Bank Makramah Limited (PSX:BML)
Pakistan · Delayed Price · Currency is PKR 53.88
-0.65 (-1.19%)
At close: Sep 8, 2026
Bank Makramah Balance Sheet
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Cash & Equivalents | 6,126 | 6,370 | 6,886 | 6,111 | 5,931 | 7,149 |
Investment Securities | 96,618 | 85,437 | 90,683 | 55,385 | 43,223 | 31,234 |
Trading Asset Securities | 179.29 | 167.87 | 43.23 | 66.2 | 0.61 | 6.44 |
Total Investments | 96,798 | 85,605 | 90,726 | 55,451 | 43,223 | 31,241 |
Gross Loans | 51,597 | 45,569 | 55,588 | 52,889 | 54,862 | 59,835 |
Allowance for Loan Losses | -13,618 | -13,937 | -33,254 | -34,216 | -33,242 | -32,764 |
Other Adjustments to Gross Loans | - | - | - | -19.88 | -25.55 | -26.88 |
Net Loans | 37,980 | 31,632 | 22,335 | 18,653 | 21,594 | 27,044 |
Property, Plant & Equipment | 11,165 | 10,310 | 9,674 | 9,961 | 10,681 | 10,952 |
Other Intangible Assets | 237.59 | 325.1 | 333.6 | 264.72 | 146.14 | 90.43 |
Accrued Interest Receivable | 3,164 | 2,304 | 5,101 | 7,914 | 1,470 | 708.97 |
Other Receivables | 9,243 | 12,255 | 759.86 | 24,251 | 367.57 | 37.63 |
Restricted Cash | 9,618 | 9,310 | 12,941 | 8,957 | 8,806 | 8,360 |
Other Current Assets | 28,012 | 28,679 | 34,119 | 6,058 | 6,068 | 6,220 |
Long-Term Deferred Tax Assets | 17,114 | 14,184 | 25,601 | 23,200 | 20,727 | 16,625 |
Other Real Estate Owned & Foreclosed | 2,843 | 2,894 | 2,145 | 2,815 | 3,010 | 3,057 |
Other Long-Term Assets | 14,920 | 9,815 | 87,600 | 124,903 | 18,601 | 470.4 |
Total Assets | 237,221 | 213,683 | 298,221 | 288,538 | 140,625 | 111,955 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Accounts Payable | 156.45 | 320.83 | 197.92 | 99.93 | 66.75 | 61.56 |
Accrued Expenses | 892.4 | 852.84 | 381.66 | 297.31 | 251.39 | 293.69 |
Interest Bearing Deposits | 145,225 | 129,596 | 144,235 | 111,564 | 78,984 | 75,268 |
Non-Interest Bearing Deposits | 45,404 | 39,259 | 41,625 | 45,312 | 42,877 | 34,156 |
Total Deposits | 190,629 | 168,856 | 185,860 | 156,876 | 121,861 | 109,424 |
Short-Term Borrowings | 9,886 | 4,806 | 86,303 | 125,440 | 19,247 | 466.74 |
Current Portion of Long-Term Debt | 1,686 | 4,037 | 5,016 | 6,207 | 7,226 | 7,375 |
Current Portion of Leases | 1,051 | 807.14 | 792.14 | 778.14 | 813.41 | 739.48 |
Accrued Interest Payable | 282.35 | 2,016 | 2,879 | 4,279 | 2,336 | 1,350 |
Other Current Liabilities | 3,570 | 3,201 | 3,241 | 3,381 | 2,207 | 2,337 |
Long-Term Debt | 69.1 | 83.12 | 111.37 | 240.5 | 431.28 | 632.68 |
Long-Term Leases | 3,192 | 2,506 | 2,492 | 2,571 | 2,681 | 2,476 |
Long-Term Unearned Revenue | 218.41 | 168.91 | 300.26 | 282.58 | 398.9 | 389.65 |
Pension & Post-Retirement Benefits | 54.68 | 143.91 | 79.54 | 18.81 | - | 42.99 |
Other Long-Term Liabilities | 2,351 | 2,166 | 2,315 | 993.53 | 861.4 | 844.17 |
Total Liabilities | 214,648 | 189,965 | 289,970 | 301,465 | 158,383 | 126,433 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Common Stock | 10,279 | 10,000 | 10,000 | 30,500 | 20,500 | 20,500 |
Additional Paid-In Capital | - | - | - | 1,000 | 1,000 | 1,000 |
Retained Earnings | 2,970 | 4,556 | -6,083 | -46,825 | -41,683 | -38,714 |
Comprehensive Income & Other | 9,324 | 9,161 | 4,335 | 2,399 | 2,424 | 2,736 |
Total Common Equity | 22,573 | 23,717 | 8,252 | -12,927 | -17,758 | -14,478 |
Shareholders' Equity | 22,573 | 23,717 | 8,252 | -12,927 | -17,758 | -14,478 |
Total Liabilities & Equity | 237,221 | 213,683 | 298,221 | 288,538 | 140,625 | 111,955 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Total Debt | 15,886 | 12,239 | 94,715 | 135,236 | 30,399 | 11,690 |
Net Cash (Debt) | -1,153 | 2,899 | -84,849 | -129,059 | -14,326 | -4,236 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -1.14 | 2.90 | -325.78 | -483.89 | -108.61 | -32.11 |
Filing Date Shares Outstanding | 1,016 | 1,000 | 331.11 | 331.11 | 131.91 | 131.91 |
Total Common Shares Outstanding | 1,016 | 1,000 | 331.11 | 331.11 | 131.91 | 131.91 |
Book Value Per Share | 22.22 | 23.72 | 24.92 | -39.04 | -134.62 | -109.76 |
Tangible Book Value | 22,336 | 23,392 | 7,918 | -13,191 | -17,904 | -14,568 |
Tangible Book Value Per Share | 21.99 | 23.39 | 23.91 | -39.84 | -135.73 | -110.44 |