Bank Makramah Balance Sheet

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
Cash & Equivalents	4,468	6,886	6,111	5,931	7,149	6,957
Investment Securities	74,788	90,683	55,385	43,223	31,234	27,085
Trading Asset Securities	11.04	43.23	66.2	0.61	6.44	2.33
Total Investments	74,799	90,726	55,451	43,223	31,241	27,088
Gross Loans	50,819	55,600	52,889	54,862	59,835	64,279
Allowance for Loan Losses	-27,780	-33,254	-34,216	-33,242	-32,764	-32,447
Other Adjustments to Gross Loans	-	-11.6	-19.88	-25.55	-26.88	-47.68
Net Loans	23,039	22,335	18,653	21,594	27,044	31,784
Property, Plant & Equipment	9,293	9,674	9,961	10,681	10,952	10,226
Other Intangible Assets	295.76	333.6	264.72	146.14	90.43	45.09
Accrued Interest Receivable	2,852	5,101	7,914	1,470	708.97	835.34
Other Receivables	-77.76	759.86	24,251	367.57	37.63	22.8
Restricted Cash	14,847	12,941	8,957	8,806	8,360	5,979
Other Current Assets	6,023	6,495	6,058	6,068	6,220	6,248
Long-Term Deferred Tax Assets	25,852	25,601	23,200	20,727	16,625	14,227
Other Real Estate Owned & Foreclosed	2,083	2,145	2,815	3,010	3,057	3,127
Other Long-Term Assets	55,699	87,600	124,903	18,601	470.4	1,083
Total Assets	219,174	270,596	288,538	140,625	111,955	107,622
Accounts Payable	-	197.92	99.93	66.75	61.56	159.36
Accrued Expenses	415.83	375.95	297.31	251.39	293.69	277.13
Interest Bearing Deposits	130,228	144,235	111,564	78,984	75,268	69,934
Non-Interest Bearing Deposits	35,349	41,625	45,312	42,877	34,156	31,796
Total Deposits	165,577	185,860	156,876	121,861	109,424	101,730
Short-Term Borrowings	50,140	86,303	125,440	19,247	466.74	982.28
Current Portion of Long-Term Debt	4,067	5,016	6,207	7,226	7,375	7,463
Current Portion of Leases	833.19	792.14	778.14	813.41	739.48	516.27
Accrued Interest Payable	2,203	2,879	4,279	2,336	1,350	1,161
Other Current Liabilities	3,832	3,241	3,381	2,207	2,337	2,692
Long-Term Debt	92.21	111.37	240.5	431.28	632.68	761.35
Long-Term Leases	2,534	2,492	2,571	2,681	2,476	1,576
Long-Term Unearned Revenue	1,223	300.26	282.58	398.9	389.65	374.83
Pension & Post-Retirement Benefits	64.53	79.54	18.81	-	42.99	98.87
Other Long-Term Liabilities	1,334	1,158	993.53	861.4	844.17	1,069
Total Liabilities	232,313	288,807	301,465	158,383	126,433	118,860
Common Stock	30,500	30,500	30,500	20,500	20,500	20,500
Additional Paid-In Capital	1,000	1,000	1,000	1,000	1,000	1,000
Retained Earnings	-51,461	-52,466	-46,825	-41,683	-38,714	-35,990
Comprehensive Income & Other	6,822	2,756	2,399	2,424	2,736	3,252
Total Common Equity	-13,140	-18,211	-12,927	-17,758	-14,478	-11,238
Shareholders' Equity	-13,140	-18,211	-12,927	-17,758	-14,478	-11,238
Total Liabilities & Equity	219,174	270,596	288,538	140,625	111,955	107,622
Total Debt	57,665	94,715	135,236	30,399	11,690	11,299
Net Cash (Debt)	-46,503	-84,849	-129,059	-14,326	-4,236	-4,340
Net Cash Per Share	-140.44	-256.26	-483.89	-108.61	-32.11	-32.90
Filing Date Shares Outstanding	331.11	331.11	331.11	131.91	131.91	131.91
Total Common Shares Outstanding	331.11	331.11	331.11	131.91	131.91	131.91
Book Value Per Share	-39.68	-55.00	-39.04	-134.62	-109.76	-85.19
Tangible Book Value	-13,436	-18,544	-13,191	-17,904	-14,568	-11,283
Tangible Book Value Per Share	-40.58	-56.01	-39.84	-135.73	-110.44	-85.54

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