BML Bank Makramah Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 60.16 -2.10%
Annual · FY2006 – FY2025
Bank Makramah Limited (BML) cash flow statement
Operating activities generated -Rs 98.4 bn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 227.9 mn. Overall, cash decreased by Rs 4.1 bn.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 * Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | (98.4) | (1.3) | 117.5 | 19.8 | 6.9 | 12.7 | (85.0) | 7.5 | 12.6 | 35.5 | 1.3 | (11.7) | 17.7 | 8.4 | 4.4 | 10.3 | 1.3 | 0.8 | (0.3) |
| Capital expenditure | (0.2) | (0.4) | (0.4) | (0.1) | (0.4) | (0.1) | (0.6) | (0.9) | (1.8) | (2.3) | (1.6) | (1.5) | (0.4) | (1.6) | (0.5) | (0.8) | (0.5) | (0.3) | (0.2) |
| Net cash from investing activities | 90.1 | 6.9 | (125.4) | (20.4) | (3.6) | (5.5) | 75.1 | (6.9) | (12.5) | (35.3) | (6.5) | 9.3 | (13.6) | (10.9) | (4.4) | (8.9) | (0.7) | (3.9) | (1.6) |
| Net cash from financing activities | 4.1 | (0.8) | 9.0 | (0.8) | (0.7) | (0.7) | (0.0) | (0.0) | 1.9 | (0.5) | 7.5 | 2.2 | (0.0) | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 2.8 |
| Net change in cash | (4.1) | 4.8 | 1.6 | (0.7) | 2.9 | 6.6 | (8.8) | 0.9 | 1.9 | (0.3) | 2.3 | (0.2) | 4.2 | 3.1 | 0.0 | 1.5 | 0.6 | (0.1) | 0.9 |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 * Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | — | -101.1% | +493.0% | +188.2% | -45.7% | — | -1,231.5% | -40.2% | -64.6% | +2,561.7% | — | -166.0% | +111.1% | +90.1% | -57.3% | +715.6% | +58.2% | — | — |
| Capital expenditure | -43.3% | -3.4% | +188.5% | -63.1% | +404.9% | -87.5% | -33.1% | -48.8% | -22.5% | +45.5% | +9.5% | +239.5% | -72.4% | +231.0% | -44.3% | +71.7% | +83.2% | +36.2% | — |
| Net cash from investing activities | +1,197.9% | — | — | — | — | -107.3% | — | — | — | — | -170.1% | — | — | — | — | — | — | — | — |
| Net cash from financing activities | — | -109.4% | — | — | — | — | — | -100.0% | — | -106.7% | +248.3% | — | -100.0% | — | — | — | -100.0% | +7.7% | — |
| Net change in cash | -187.1% | +200.6% | — | -124.0% | -56.6% | — | -1,128.7% | -55.4% | — | -112.6% | — | -105.5% | +34.6% | +77,601.1% | -99.7% | +140.9% | — | -107.7% | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 58
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 19.1 | (7.2) | (7.4) | (7.3) | (5.0) | (10.0) | (10.9) | (2.0) | (1.9) | 0.7 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (23.7) | (0.6) | (0.2) | 2.0 | 1.2 | 6.2 | 9.5 | 1.9 | 1.7 | 2.1 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | — | — | — | — | — | — | — | — | 0.0 | — |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (20.5) | (0.9) | (0.6) | 1.0 | 0.1 | 5.1 | (0.0) | (0.1) | 0.0 | (0.1) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 1.1 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 0.8 | 0.8 | 0.7 | 0.6 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.0 | 0.7 | 0.7 | 0.6 | 0.6 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | — | — | — | — | — | — | 9.0 | 1.2 | 1.9 | 1.2 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | — | — | — | — | — | 0.0 | 0.4 |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (4.2) | (0.7) | (0.6) | (0.1) | (0.0) | (0.0) | (0.3) | (0.0) | (1.0) | (0.0) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (1.6) | (0.7) | (0.6) | (0.1) | (0.0) | (0.0) | (0.3) | (0.0) | (1.0) | (0.0) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | 0.0 | 0.0 | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 0.4 | 0.6 | 0.4 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 | 0.2 |
| Investment Securities - Gain/(Loss) - Cash Flow | (2.6) | — | — | — | — | — | — | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Cash Flow from Operating Activities before Changes in Working Capital | (5.0) | (8.4) | (7.9) | (5.4) | (3.8) | (3.9) | (1.5) | (0.2) | (0.3) | 2.7 |
| Working Capital - Increase/(Decrease) - Cash Flow | (93.4) | 7.1 | 125.4 | 25.2 | 10.7 | 16.6 | (83.5) | 7.7 | 12.9 | 32.8 |
| Other Assets - Decrease/(Increase) - Cash Flow | 2.6 | 26.0 | (30.6) | (1.0) | 0.1 | 0.9 | 0.4 | 2.3 | (1.9) | (1.3) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | (0.2) | 0.0 | (0.0) | — | 0.0 | 0.0 | 0.1 | 0.3 | — | (0.1) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | 4.2 | (6.2) | 12.1 | (4.9) | 4.1 | 8.1 | 27.4 | (14.6) | (11.2) | (6.1) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | (83.0) | (41.8) | 108.9 | 18.6 | (1.2) | (5.7) | (50.3) | 16.7 | 2.9 | 25.8 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | (17.0) | 29.0 | 35.0 | 12.4 | 7.7 | 13.3 | (61.0) | 2.9 | 23.0 | 14.5 |
| Net Cash Flow from Operating Activities | (98.4) | (1.3) | 117.5 | 19.8 | 6.9 | 12.7 | (85.0) | 7.5 | 12.6 | 35.5 |
| Capital Expenditures - Net - Cash Flow | (1.1) | (0.9) | (0.6) | (0.0) | 0.4 | 0.1 | (1.0) | 0.9 | 0.1 | 2.0 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | (1.2) | (1.0) | (0.8) | (0.0) | 0.3 | 0.1 | (1.0) | 0.9 | 0.1 | 2.0 |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.2 | 0.3 | 0.3 | 0.1 | 0.3 | 0.1 | 0.6 | 0.9 | 1.8 | 2.3 |
| Property, Plant & Equipment Sold - Cash Flow | 1.3 | 1.3 | 1.0 | 0.2 | 0.0 | 0.0 | 1.6 | 0.1 | 1.7 | 0.3 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | — | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | — | — |
| Capital Expenditures - Total | 0.2 | 0.4 | 0.4 | 0.1 | 0.4 | 0.1 | 0.6 | 0.9 | 1.8 | 2.3 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 89.0 | 6.0 | (126.0) | (20.4) | (3.2) | (5.4) | 74.1 | (6.0) | (12.4) | (33.3) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 89.0 | 6.0 | (126.0) | (20.4) | (3.2) | (5.4) | 74.1 | (6.0) | (12.4) | (33.3) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | — | 6.0 | — | — | — | — | — | — | — | — |
| Net Cash Flow from Investing Activities | 90.1 | 6.9 | (125.4) | (20.4) | (3.6) | (5.5) | 75.1 | (6.9) | (12.5) | (35.3) |
| Stock - Total - Issuance/(Retirement) - Net - Cash Flow | — | 0.0 | 10.0 | — | — | — | — | — | — | — |
| Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow | — | 0.0 | 10.0 | — | — | — | — | — | — | — |
| Stock - Common - Issuance/(Retirement) - Net - Cash Flow | — | 0.0 | 10.0 | — | — | — | — | — | — | — |
| Stock - Common - Issued/Sold - Cash Flow | — | 0.0 | 10.0 | — | — | — | — | — | — | — |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.9) | (0.8) | (0.9) | (0.8) | (0.7) | (0.7) | (0.0) | (0.0) | (0.0) | (0.0) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.9) | (0.8) | (0.9) | (0.8) | (0.7) | (0.7) | (0.0) | (0.0) | (0.0) | (0.0) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.9) | (0.8) | (0.9) | (0.8) | (0.7) | (0.7) | — | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 0.9 | 0.8 | 0.9 | 0.8 | 0.7 | 0.7 | 0.0 | — | — | — |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 0.9 | 0.8 | 0.9 | 0.8 | 0.7 | 0.7 | — | — | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | 5.0 | 0.0 | (0.2) | — | — | — | — | — | 1.9 | (0.5) |
| Net Cash Flow from Financing Activities | 4.1 | (0.8) | 9.0 | (0.8) | (0.7) | (0.7) | (0.0) | (0.0) | 1.9 | (0.5) |
| Foreign Exchange Effects - Cash Flow | — | — | 0.5 | 0.8 | 0.3 | 0.1 | 1.1 | 0.3 | — | — |
| Net Change in Cash - Total | (4.1) | 4.8 | 1.6 | (0.7) | 2.9 | 6.6 | (8.8) | 0.9 | 1.9 | (0.3) |
| Net Cash from Continuing Operations | (4.1) | 4.8 | 1.6 | (0.7) | 2.9 | 6.6 | (8.8) | 0.9 | 1.9 | (0.3) |
| Net Cash - Beginning Balance | 19.8 | 15.1 | 13.5 | 14.7 | 12.6 | 6.3 | 14.8 | 15.1 | 13.5 | 13.7 |
| Net Cash - Ending Balance | 15.7 | 19.8 | 15.1 | 14.0 | 15.5 | 12.9 | 6.0 | 16.0 | 15.4 | 13.5 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 0.4 | 0.6 | 0.4 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 | 0.2 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| CF from Optg Activities before Change in WC & Int Payments | (5.0) | (8.4) | (7.9) | (5.4) | (3.8) | (3.9) | (1.5) | (0.2) | (0.3) | 2.7 |
| Common Stock Buyback - Net | — | 0.0 | (10.0) | — | — | — | — | — | — | — |
| Depreciation, Depletion & Amortization - Cash Flow | 1.1 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 0.8 | 0.8 | 0.7 | 0.6 |
| Free Cash Flow to Equity | (98.2) | (1.3) | 117.2 | 19.0 | 5.8 | 11.9 | (84.0) | 6.6 | 12.4 | 33.5 |
| Free Cash Flow Net of Dividends | (98.6) | (1.7) | 117.1 | 19.7 | 6.5 | 12.6 | (85.6) | 6.6 | 10.7 | 33.2 |
| Free Cash Flow | (98.6) | (1.7) | 117.1 | 19.7 | 6.5 | 12.6 | (85.6) | 6.6 | 10.7 | 33.2 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.