Bank Makramah Limited (BML) Financial Statements, Ratios & Dividends
About
Bank Makramah Ltd. operates as a holding company, which engages in providing banking services. It operates through the following business segments: Corporate, SME and Commercial, Treasury, Retail Banking, and Others. The Corporate, SME and Commercial segment offers a wide variety of financial products and services to large and medium-sized clients, along with loan products offered to the Consumer, SME and agriculture segments. The Treasury segment is responsible for asset and liability management and includes all treasury related products. The Retail Banking segment relates to the branch distribution network, its related deposit and other products, and general banking services. The Others segment is involved with head office related activities, and all other activities not tagged to the segments above. The company was founded on December 9, 2005 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 24.90B | 42.36B | |
| Net Income | 8.83B | -5.21B | |
| EPS | 167.69 | -18.98 | |
| ROE | 320.72% | — | |
| ROA | 3.60% | -1.76% | |
| Net Margin | 162.27% | 833.13% | |
| Current Ratio | 0.39 | 0.24 | |
| DPS | 0.00 | 0.00 | |
| Free Cash Flow | -3.07B | 15.98B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 18.61B | 38.92B | |
| Total Interest Expense | -19.45B | -42.99B | |
| Net Interest Income | -842.55M | -4.07B | |
| Loan Loss Provision | 19.16B | 1.47B | |
| Net Interest Income after LLP | 18.32B | -2.60B | |
| Non-Interest Income | 6.28B | 3.44B | |
| Commissions & Fees | 1.18B | 1.12B | |
| Foreign Exchange Income | 183.71M | 494.23M | |
| Non-Interest Expense | -8.81B | -8.25B | |
| Labor & Personnel | -1.20B | -1.03B | |
| Total Revenue | 24.90B | 42.36B | |
| Operating Income | 15.79B | -7.41B | |
| Pre-Tax Income | 19.13B | -7.23B | |
| Income Tax | -10.30B | 2.02B | |
| Minority Interest | 0 | 0 | |
| Net Income | 8.83B | -5.21B | |
| EPS (Basic) | 167.69 | -18.98 | |
| EPS (Diluted) | 167.69 | -18.98 | |
| Non-Interest Income / Revenue | 115.48% | -550.50% | |
| Operating Margin | 290.16% | 1185.08% | |
| Net Margin | 162.27% | 833.13% | |
| Pre-Tax Margin | 76.85% | -17.07% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 8.61% | -27.98% | |
| Tier 1 Capital Ratio | 8.61% | -27.98% | |
| Tier 2 Capital Ratio | 2.96% | 0.00% | |
| Total Capital Ratio | 11.57% | -27.98% | |
| Tier 1 Capital | 5.90B | -22.31B | |
| Risk-Weighted Assets | 68.53B | 79.72B | |
| Asset Quality | |||
| Non-Performing Loans | 16.62B | 34.19B | |
| NPL Ratio (NPL/Gross Loans) | 0.34% | 0.60% | |
| Loan Loss Coverage | -0.00% | -0.52% | |
| NPL / Loan Loss Reserve | 1.19 | 1.03 | |
| Reserve / Gross Loans | 0.29% | 0.58% | |
| Profitability | |||
| Return on Equity (ROE) | 320.72% | — | |
| Return on Assets (ROA) | 3.60% | -1.76% | |
| Operating Margin | 290.16% | 1185.08% | |
| Net Margin | 162.27% | 833.13% | |
| Yield on Earning Assets | 11.25% | 19.43% | |
| Interest Income / Deposits | -0.49% | -2.43% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.75% | 0.60% | |
| Loans / Deposits (ADR) | 0.30% | 0.32% | |
| Loans / Total Assets | 0.22% | 0.19% | |
| Equity / Deposits | 0.15% | 0.05% | |
| Cash / Deposits | 0.66% | 1.08% | |
| CASA Ratio | 0.24% | 0.23% | |
| Per Share | |||
| Book Value Per Share | 450.39 | 156.70 | |
| Tangible Book Per Share | 444.22 | 150.36 | |
| Shares & Market | |||
| Total Shares Outstanding | 52,659,200 | 52,659,200 | |
| Market Cap | 5.82B | 2.65B | |
| Enterprise Value | 10.79B | 95.00B | |
| Employees | 1,716 | 1,646 | |
| Shareholders | 41,634 | 41,634 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 0.00 | 0.00 | |
| Dividend Yield | 0.00% | 0.00% | |
| Payout Ratio | 0.00% | — | |
| Total Dividends Paid | 0 | 0 |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 0.66 | — | |
| P/B Ratio | 0.25 | 0.32 | |
| P/S Ratio | 1.07 | -22.09 | |
| P/CF Ratio | — | 0.85 | |
| Market Cap | 5.82B | 2.65B | |
| Enterprise Value | 10.79B | 95.00B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 17.48B | |
| Operating Income | 9.45B | |
| Net Income | 3.43B | |
| Free Cash Flow | 37.62B | |
| EPS (Basic) | 133.07 | |
| Margins | ||
| Operating Margin | 410.85% | |
| Net Margin | 149.25% | |
| Returns | ||
| Return on Equity (ROE) | 152.22% | |
| ROIC | 0.20% | |
| Coverage & Debt | ||
| Debt / Revenue | 1.72 | |
| Valuation & Scores | ||
| P/E (TTM) | 0.43 | |
| Sloan Ratio | -27.30 | |
| Zmijewski Score | 0.75 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 320.72% | |
| Return on Tangible Equity | 56.41% | |
| Return on Tangible Assets | 3.41% | |
| Return on Total Capital | 25.69% | |
| ROCE | 31.68% | |
| Growth | ||
| Sustainable Growth Rate | 320.72% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.54 | |
| Sloan Ratio | -37.94 | |
| Valuation (Computed) | ||
| Graham Number | 1303.57 | |
| Tobin's Q Ratio | 0.03 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.43% | |
| Assets / Equity (Leverage) | 9.16 | |
| Effective Interest Rate | 12.43% | |
| Debt / Revenue | 0.72 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 2.49 | |
| Dividends (Computed) | ||
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 3.17M | |
| Net Income / Employee | 5.15M | |
| Oper. Income / Employee | 9.20M | |
| Total Assets / Employee | 126.59M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||