Bank Makramah Limited (PSX: BML)

Bank Makramah Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	6,706	6,111	5,931	7,149	6,957	5,082
Investment Securities	75,946	55,385	43,223	31,234	27,085	17,051
Trading Asset Securities	13.57	66.2	0.61	6.44	2.33	11.62
Total Investments	75,959	55,451	43,223	31,241	27,088	17,063
Gross Loans	50,391	52,889	54,862	59,835	64,279	72,513
Allowance for Loan Losses	-34,096	-34,216	-33,242	-32,764	-32,447	-28,944
Other Adjustments to Gross Loans	-	-19.88	-25.55	-26.88	-47.68	-125.83
Net Loans	16,295	18,653	21,594	27,044	31,784	43,443
Property, Plant & Equipment	9,554	9,961	10,681	10,952	10,226	10,221
Other Intangible Assets	93.06	264.72	146.14	90.43	45.09	105.84
Accrued Interest Receivable	11,984	7,914	1,470	708.97	835.34	1,326
Other Receivables	141.24	24,251	367.57	37.63	22.8	226.64
Restricted Cash	9,579	8,957	8,806	8,360	5,979	1,479
Other Current Assets	6,280	6,058	6,068	6,220	6,248	6,351
Long-Term Deferred Tax Assets	25,182	23,200	20,727	16,625	14,227	11,572
Other Real Estate Owned & Foreclosed	2,173	2,815	3,010	3,057	3,127	2,925
Other Long-Term Assets	103,222	124,903	18,601	470.4	1,083	6,014
Total Assets	267,168	288,538	140,625	111,955	107,622	105,808
Accounts Payable	156.62	99.93	66.75	61.56	159.36	74.62
Accrued Expenses	349.21	297.31	251.39	293.69	277.13	380.92
Interest Bearing Deposits	126,577	111,564	78,984	75,268	69,934	61,136
Non-Interest Bearing Deposits	35,741	45,312	42,877	34,156	31,796	27,338
Total Deposits	162,318	156,876	121,861	109,424	101,730	88,475
Short-Term Borrowings	104,024	125,440	19,247	466.74	982.28	439.4
Current Portion of Long-Term Debt	5,316	6,207	7,226	7,375	7,463	13,737
Current Portion of Leases	800.76	778.14	813.41	739.48	516.27	-
Accrued Interest Payable	3,745	4,279	2,336	1,350	1,161	1,271
Other Current Liabilities	2,559	3,381	2,207	2,337	2,692	2,327
Long-Term Debt	125.13	240.5	431.28	632.68	761.35	862.87
Long-Term Leases	2,335	2,571	2,681	2,476	1,576	2,120
Long-Term Unearned Revenue	261.38	282.58	398.9	389.65	374.83	485.53
Pension & Post-Retirement Benefits	59.59	18.81	-	42.99	98.87	134.67
Other Long-Term Liabilities	1,480	993.53	861.4	844.17	1,069	1,166
Total Liabilities	283,530	301,465	158,383	126,433	118,860	111,474
Common Stock	66,222	30,500	20,500	20,500	20,500	20,500
Additional Paid-In Capital	1,000	1,000	1,000	1,000	1,000	1,000
Retained Earnings	-50,701	-46,825	-41,683	-38,714	-35,990	-29,133
Comprehensive Income & Other	-32,883	2,399	2,424	2,736	3,252	1,966
Total Common Equity	-16,361	-12,927	-17,758	-14,478	-11,238	-5,666
Shareholders' Equity	-16,361	-12,927	-17,758	-14,478	-11,238	-5,666
Total Liabilities & Equity	267,168	288,538	140,625	111,955	107,622	105,808
Total Debt	112,601	135,236	30,399	11,690	11,299	17,158
Net Cash (Debt)	-97,292	-129,059	-14,326	-4,236	-4,340	-11,273
Net Cash Per Share	-17.19	-24.19	-5.43	-1.61	-1.64	-4.27
Filing Date Shares Outstanding	5,267	6,622	2,638	2,638	2,638	2,638
Total Common Shares Outstanding	5,267	6,622	2,638	2,638	2,638	2,638
Book Value Per Share	-3.11	-1.95	-6.73	-5.49	-4.26	-2.15
Tangible Book Value	-16,455	-13,191	-17,904	-14,568	-11,283	-5,772
Tangible Book Value Per Share	-3.12	-1.99	-6.79	-5.52	-4.28	-2.19

Source: S&P Capital IQ. Banks template. Financial Sources.