Bank Makramah Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	15,497	18,596	38,915	31,698	8,144	4,568
Interest Income on Investments	18.61	14.99	8.14	3.48	10.01	31.35
Total Interest Income	15,516	18,611	38,924	31,702	8,154	4,599
Interest Paid on Deposits	16,405	19,453	42,989	34,276	10,398	5,676
Net Interest Income	-889.42	-842.55	-4,065	-2,574	-2,245	-1,077
Gain (Loss) on Sale of Assets	4,229	4,229	672.58	636.34	74.49	38.39
Gain (Loss) on Sale of Investments	1,677	2,280	1,214	-1,290	30.53	501.8
Other Non-Interest Income	1,371	1,370	1,618	1,853	1,331	806.91
Total Non-Interest Income	7,277	7,878	3,505	1,200	1,436	1,347
Non-Interest Income Growth (YoY)	85.41%	124.75%	192.15%	-16.47%	6.63%	-12.75%
Revenues Before Loan Losses	6,387	7,036	-559.76	-1,374	-808.27	269.99
Provision for Loan Losses	-21,442	-21,014	-1,415	-1,145	584.11	-316.5
Revenue	27,830	28,050	855.06	-228.88	-1,392	586.49
Revenue Growth (YoY)	1918.37%	3180.43%	-	-	-	-
Salaries and Employee Benefits	381.6	381.6	-	-	-	-
Selling, General & Administrative	592.57	592.57	598.01	506.1	333.94	301.32
Other Non-Interest Expense	8,321	8,023	7,600	6,731	5,587	5,231
Total Non-Interest Expense	9,295	8,997	8,198	7,237	5,921	5,532
EBT Excluding Unusual Items	18,535	19,053	-7,343	-7,466	-7,314	-4,945
Asset Writedown	15.24	15.24	-0.18	0.29	-0.01	-6.82
Other Unusual Items	64.35	64.35	113.05	78.95	3.81	-
Pretax Income	18,614	19,132	-7,230	-7,387	-7,310	-4,952
Income Tax Expense	9,667	10,302	-2,024	-2,060	-4,122	-2,040
Net Income	8,947	8,830	-5,206	-5,327	-3,188	-2,912
Net Income to Common	8,947	8,830	-5,206	-5,327	-3,188	-2,912
Basic Shares Outstanding	1,001	1,000	260	267	132	132
Diluted Shares Outstanding	1,001	1,000	260	267	132	132
Shares Change (YoY)	201.77%	283.95%	-2.35%	102.19%	-	-
EPS (Basic)	8.94	8.83	-19.99	-19.97	-24.17	-22.07
EPS (Diluted)	8.94	8.83	-20.00	-20.00	-24.20	-22.07
Effective Tax Rate	51.93%	53.85%	-	-	-	-

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