BML Bank Makramah Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 60.16 -2.10%
Financials
Bank Makramah Limited (BML) financials
19 years of annual results (FY2006 – FY2025), 71 quarters.
Bank Makramah Limited (BML) reported total income of Rs 2.8 bn for FY2025 (Jan – Dec 2025).
Profit attributable to shareholders was Rs 8.8 bn (EPS Rs 167.72).
No cash dividend was declared for FY2025.
Deposits stood at Rs 168.9 bn and net advances at Rs 40.2 bn, an advances-to-deposits ratio of 23.8%.
Return on equity was 55.2%.
Over the last five years total income grew at a compound 148.8% a year.
At Rs 60.16 (close on 16 Oct 2026) the shares trade at 0.4× earnings (TTM to Jun 2026) and 0.93× book value.
Fundamentals
BML at a glance
Total income · FY2025
Rs 2.8 bn
Profit attributable to shareholders · FY2025
Rs 8.8 bn
EPS – basic (Rs) · FY2025
Rs 167.72
Dividend per share (Rs) · FY2025
Rs 0.00
Deposits · FY2025
Rs 168.9 bn
▼ 9.1% year on year
Return on equity (ROE) · FY2025
55.2%
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 2.8 bn
- Profit attributable · FY2025
- Rs 8.8 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 213.7 bn
- Equity · FY2025
- Rs 23.7 bn
Financial highlights
BML financial results
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | (0.8) | (4.1) | (2.6) | (2.2) | (1.1) | (1.5) | 1.9 | 3.0 | 2.8 | 3.1 |
| Total non-interest income | 3.6 | 2.8 | 0.6 | 1.4 | 1.3 | 1.5 | 1.8 | 2.3 | 3.0 | 4.3 |
| Total income | 2.8 | (1.2) | (2.0) | (0.9) | 0.2 | 0.0 | 3.7 | 5.3 | 5.9 | 7.4 |
| Operating expenses | 12.0 | (6.8) | (6.1) | (6.5) | (5.2) | (10.0) | (13.7) | (7.0) | (7.8) | (6.3) |
| Provisions & impairment (loans) | (21.0) | (1.4) | (1.1) | 0.6 | (0.3) | 4.8 | 7.8 | 0.8 | 1.9 | 1.2 |
| Profit before tax | 19.1 | (7.2) | (7.4) | (7.3) | (5.0) | (10.0) | (10.9) | (2.0) | (1.9) | 0.7 |
| Profit attributable to shareholders | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| EPS – basic (Rs) Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 3.08 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Advances (net) | 40.2 | 25.3 | 18.7 | 31.7 | 27.3 | 31.8 | 61.2 | 95.3 | 81.5 | 72.0 |
| Deposits | 168.9 | 185.9 | 156.9 | 121.9 | 109.4 | 101.7 | 84.6 | 145.6 | 142.7 | 119.7 |
| Total assets | 213.7 | 298.2 | 288.5 | 140.6 | 112.0 | 107.6 | 114.6 | 232.2 | 216.4 | 188.4 |
| Equity attributable to shareholders | 23.7 | 8.3 | (12.9) | (17.8) | (14.5) | (11.2) | 2.7 | 10.3 | 12.6 | 11.9 |
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | (2.8) | (2.3) | 0.0 | (0.0) | (0.5) | (0.4) | 0.1 | (1.3) | (0.7) |
| Total non-interest income | 2.5 | 0.6 | 0.5 | 0.7 | 0.8 | 1.1 | 1.1 | 0.7 | 1.0 |
| Total income | (0.4) | (1.8) | 0.5 | 0.6 | 0.3 | 0.7 | 1.1 | (0.6) | 0.3 |
| Operating expenses | 8.3 | (2.6) | (1.7) | 12.5 | 0.0 | 1.3 | (1.8) | (1.7) | (2.9) |
| Provisions & impairment (loans) | (17.7) | 0.3 | (0.6) | (15.0) | (2.3) | (3.5) | (0.2) | (0.4) | 0.8 |
| Profit before tax | 12.1 | (4.3) | (1.2) | 17.3 | 0.3 | 2.2 | (0.7) | (2.2) | (2.6) |
| Profit attributable to shareholders | 3.4 | (3.9) | (0.8) | 7.9 | 0.2 | 1.6 | (0.9) | (2.0) | (1.7) |
| EPS – basic (Rs) Rs | 147.61 | (3.87) | (14.26) | 165.24 | 0.50 | 4.56 | (16.52) | (7.78) | (6.27) |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Advances (net) | 46.4 | 46.4 | 32.0 | 40.2 | 29.6 | 28.8 | 19.4 | 25.3 | 24.9 |
| Deposits | 190.6 | 190.6 | 158.8 | 168.9 | 165.4 | 183.2 | 172.2 | 185.9 | 162.3 |
| Total assets | 237.2 | 237.2 | 203.4 | 213.7 | 219.3 | 228.1 | 237.1 | 298.2 | 267.2 |
| Equity attributable to shareholders | 22.6 | 22.6 | 26.3 | 23.7 | (13.1) | (18.1) | (20.0) | 8.3 | (16.4) |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.