Bank Makramah Income Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	21,194	38,915	31,698	8,144	4,568	5,118
Interest Income on Investments	9.12	8.14	3.48	10.01	31.35	16.92
Total Interest Income	21,203	38,924	31,702	8,154	4,599	5,135
Interest Paid on Deposits	23,319	42,989	34,276	10,398	5,676	6,593
Net Interest Income	-2,116	-4,065	-2,574	-2,245	-1,077	-1,458
Gain (Loss) on Sale of Assets	75.45	672.58	636.34	74.49	38.39	11.98
Gain (Loss) on Sale of Investments	2,331	1,214	-1,290	30.53	501.8	803.56
Other Non-Interest Income	1,371	1,618	1,853	1,331	806.91	728.46
Total Non-Interest Income	3,777	3,505	1,200	1,436	1,347	1,544
Non-Interest Income Growth (YoY)	28.18%	192.15%	-16.47%	6.63%	-12.75%	23.45%
Revenues Before Loan Losses	1,661	-559.76	-1,374	-808.27	269.99	85.56
Provision for Loan Losses	-6,439	-1,415	-1,145	584.11	-316.5	4,779
Revenue	8,100	855.06	-228.88	-1,392	586.49	-4,693
Revenue Growth (YoY)	502.31%	-	-	-	-	-
Selling, General & Administrative	645.8	598.01	506.1	333.94	301.32	332.63
Other Non-Interest Expense	7,980	7,595	6,731	5,587	5,231	4,939
Total Non-Interest Expense	8,626	8,193	7,237	5,921	5,532	5,272
EBT Excluding Unusual Items	-526.01	-7,338	-7,466	-7,314	-4,945	-9,965
Asset Writedown	-0.18	-0.18	0.29	-0.01	-6.82	-42.32
Other Unusual Items	124.2	113.05	78.95	3.81	-	2.69
Pretax Income	-401.99	-7,225	-7,387	-7,310	-4,952	-10,005
Income Tax Expense	731.83	-2,024	-2,060	-4,122	-2,040	-3,071
Net Income	-1,134	-5,201	-5,327	-3,188	-2,912	-6,934
Net Income to Common	-1,134	-5,201	-5,327	-3,188	-2,912	-6,934
Basic Shares Outstanding	331	331	267	132	132	132
Diluted Shares Outstanding	331	331	267	132	132	132
Shares Change (YoY)	-0.05%	24.15%	102.19%	-	-	-
EPS (Basic)	-3.42	-15.71	-19.97	-24.17	-22.07	-52.57
EPS (Diluted)	-3.60	-15.80	-20.00	-24.20	-22.07	-52.60

Source: S&P Global Market Intelligence. Banks template. Financial Sources.