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Commercial Banks

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) balance sheet

At the end of FY2025 (Jan – Dec 2025) Bank Makramah Limited had total assets of Rs 213.7 bn, down 28.3% on FY2024. Deposits were Rs 168.9 bn, down 9.1% on FY2024 and net advances Rs 40.2 bn. Investments stood at Rs 86.3 bn. Shareholders' equity was Rs 23.7 bn (Rs 450.47 per share), 11.1% of total assets.

BML balance sheet (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 * Jan – Dec 2022 FY2021 * Jan – Dec 2021
Assets
Cash & balances with banks 15.7 19.8 15.1 14.7 15.5
Lendings to financial institutions — — — — —
Investments 86.3 174.9 179.7 51.3 30.9
Advances (net) 40.2 25.3 18.7 31.7 27.3
Fixed assets 10.3 9.7 10.0 10.7 11.0
Intangible assets 0.3 0.3 0.3 0.1 0.1
Other assets 60.8 68.3 64.8 32.1 27.1
Total assets 213.7 298.2 288.5 140.6 112.0
Liabilities
Deposits 168.9 185.9 156.9 121.9 109.4
Borrowings 15.0 96.6 134.0 28.9 10.5
Total liabilities 190.0 290.0 301.5 158.4 126.4
Equity
Share capital 10.0 10.0 30.5 20.5 20.5
Equity attributable to shareholders 23.7 8.3 (12.9) (17.8) (14.5)
Total equity 23.7 8.3 (12.9) (17.8) (14.5)
Total liabilities & equity 213.7 298.2 288.5 140.6 112.0
Key figures
Gross advances — — — — —
Provision against advances — — — — —
Advances to deposits (ADR) 0.24× 0.14× 0.12× 0.26× 0.25×
Shares outstanding mn 52.7 348.7 348.7 138.9 138.9
Common equity 23.7 8.3 (12.9) (17.8) (14.5)
Book value per share (Rs) Rs 450.47 23.67 (37.07) (127.85) (104.23)
BML balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 * Jan – Dec 2022 FY2021 * Jan – Dec 2021
Assets
Cash & balances with banks -20.9% +31.6% +2.2% -5.0% +19.9%
Lendings to financial institutions — — — — —
Investments -50.6% -2.7% +250.7% +65.7% +11.7%
Advances (net) +59.2% +35.5% -41.2% +16.1% -14.0%
Fixed assets +6.6% -2.9% -6.7% -2.5% +7.1%
Intangible assets -2.5% +26.0% +81.1% +4.3% +50.6%
Other assets -10.9% +5.3% +102.2% +18.4% +8.8%
Total assets -28.3% +3.4% +105.2% +25.6% +4.0%
Liabilities
Deposits -9.1% +18.5% +28.7% +11.4% +7.6%
Borrowings -84.5% -27.9% +364.1% +175.3% -9.3%
Total liabilities -34.5% -3.8% +90.3% +25.3% +6.4%
Equity
Share capital 0.0% -67.2% +48.8% 0.0% 0.0%
Equity attributable to shareholders +187.4% — — — —
Total equity +187.4% — — — —
Total liabilities & equity -28.3% +3.4% +105.2% +25.6% +4.0%
Key figures
Gross advances — — — — —
Provision against advances — — — — —
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +187.4% — — — —
Book value per share (Rs) +1,803.4% — — — —

Change against the previous fiscal year; shown when the earlier figure is positive.

BML balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 * Jan – Dec 2022 FY2021 * Jan – Dec 2021
Assets
Cash & balances with banks 7.3% 6.6% 5.2% 10.5% 13.9%
Lendings to financial institutions — — — — —
Investments 40.4% 58.6% 62.3% 36.4% 27.6%
Advances (net) 18.8% 8.5% 6.5% 22.6% 24.4%
Fixed assets 4.8% 3.2% 3.5% 7.6% 9.8%
Intangible assets 0.2% 0.1% 0.1% 0.1% 0.1%
Other assets 28.5% 22.9% 22.5% 22.8% 24.2%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 79.0% 62.3% 54.4% 86.7% 97.7%
Borrowings 7.0% 32.4% 46.5% 20.5% 9.4%
Total liabilities 88.9% 97.2% 104.5% 112.6% 112.9%
Equity
Share capital 4.7% 3.4% 10.6% 14.6% 18.3%
Equity attributable to shareholders 11.1% 2.8% (4.5%) (12.6%) (12.9%)
Total equity 11.1% 2.8% (4.5%) (12.6%) (12.9%)
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances — — — — —
Provision against advances — — — — —
Common equity 11.1% 2.8% (4.5%) (12.6%) (12.9%)

Each line as a percentage of total assets.

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 165
BML balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Short-Term Deposits Due from Banks - Total 15.7 19.8 15.1 14.7 15.5
Cash & Short-Term Deposits Due from Banks 12.9 18.4 14.5 13.4 14.4
Funds with Central Banks 2.8 1.5 0.6 1.4 1.1
Lending & Long-Term Deposits Due from Banks — — — — —
Inter-Bank Loans & Long-Term Deposits with Other Banks — — — — —
Money Market Placements — — — — —
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets — — — — —
Loans & Receivables - Total 40.2 25.3 18.7 31.7 27.3
Income Tax - Receivables — — — — —
Securities Purchased under REPOs & Federal Funds Sold — — — — —
Receivables - Other — — — — —
Securities Purchased under REPOs — — — — —
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total — — — — —
Derivative Financial Instruments - Hedging - Total — — — — —
Banking Related Loans – Net 40.2 25.3 18.7 31.7 27.3
Loans - Gross — — — — —
Loans - Consumer & Installment — — — — —
Investment Securities - Other — — — — —
Loans - Finance Lease & HP — — — — —
Investments - Total 86.3 174.9 179.7 51.3 30.9
Reserves for Loan Losses — — — — —
Investment Securities - Held for Trading — — — — —
Interest Receivables - Bank — — — — —
Investment Securities Available for Sale & Held to Maturity — — — — —
Property, Plant & Equipment - Net - Total 10.3 9.7 10.0 10.7 11.0
Property, Plant & Equipment - Gross - Total — — — — —
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total — — — — —
Investment Securities - Available for Sale - Total — — — — —
Government Securities - Available for Sale/Held to Maturity — — — — —
Other Assets - Total 60.8 68.3 64.8 32.1 27.1
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries — — — — —
Deferred Tax - Asset - Long-Term & Short-Term 14.2 25.6 23.2 20.7 16.6
Other Assets 46.6 42.7 41.6 11.3 10.5
Intangible Assets - Total - Net 0.3 0.3 0.3 0.1 0.1
Intangible Assets - excluding Goodwill - Net - Total 0.3 0.3 0.3 0.1 0.1
Intangible Assets - Gross - Total — — — — —
Intangible Assets - excluding Goodwill - Gross — — — — —
Goodwill/Cost in Excess of Assets Purchased - Net — — — — —
Intangible Assets - Accumulated Amortization & Impairment - Total — — — — —
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total — — — — —
Computer Software - Intangible Assets - Net — — — — —
Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Net — — — — —
Intangible Assets - Other - Net — — — — —
Computer Software - Intangible Assets - Gross — — — — —
Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Gross — — — — —
Intangible Assets - Other - Gross - Total — — — — —
Computer Software - Intangible Assets - Accumulated Amortization & Impairment — — — — —
Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Accumulated Amortization & Impairment — — — — —
Intangible Assets - Other - Accumulated Amortization & Impairment — — — — —
Total Assets 213.7 298.2 288.5 140.6 112.0
Deposits - Total 168.9 185.9 156.9 121.9 109.4
Debt - Total 15.0 96.6 134.0 28.9 10.5
Deposits - Interest Bearing — — — — —
Short-Term Debt & Current Portion of Long-Term Debt 14.1 95.7 2.2 2.0 2.1
Deposits - Customers - Total — — — — —
Deposits - Demand -Customer — — — — —
Deposits - Savings - Customer — — — — —
Deposits - Due to Banks & Financial Institutions — — — — —
Deposits - Demand Deposits - Due to Banks & Financial Institutions — — — — —
Current Portion of Long-Term Debt including Capitalized Leases 5.0 6.0 — — —
Capitalized Leases - Current Portion 2.5 2.5 — — —
Short-Term Debt & Notes Payable 9.0 89.7 2.2 2.0 2.1
Debt - Long-Term - Total 0.9 0.9 131.9 26.9 8.4
Short-Term Banking Borrowings excluding Collateralized Financing 4.3 3.4 2.2 2.0 2.1
Collateralized Financing Agreements, REPO Financing Loans - Liabilities 4.8 86.3 — — —
Securities Sold under Repurchase Agreements & Federal Funds Purchased 4.8 86.3 — — —
Securities Sold under Repurchase Agreements 4.8 86.3 — — —
Current Portion of Long-Term Debt excluding Capitalized Leases 2.5 3.5 — — —
Capitalized Lease Obligations - Long-Term 0.8 0.8 0.0 0.0 0.0
Long-Term Debt excluding Capitalized Leases 0.1 0.1 131.9 26.9 8.4
Debt - Non-Convertible - Long-Term 0.1 0.1 131.9 26.9 8.4
Dividends Payable — — — — —
Deferred Tax & Investment Tax Credits - Long-Term 0.0 0.0 0.0 0.0 0.0
Deferred Tax - Liability - Long-Term 0.0 0.0 0.0 0.0 0.0
Payables & Accrued Expenses — — — — —
Accrued Expenses — — — — —
Other Liabilities - Total 6.1 7.5 10.6 7.6 6.5
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Net — — — — —
Other Payables - Total — — — — —
Other Liabilities - 6.1 7.5 10.6 7.6 6.5
Interest Payable — — — — —
Provisions — — — — —
Post Employment Benefits - Pension & Other — — — — —
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Gross — — — — —
Deferred Revenue/Income — — — — —
Licenses, Franchises, Copy/Property Rights, Prototypes, Contract Based, Models & Designs - Accumulated Amortization & Impairment — — — — —
Total Liabilities 190.0 290.0 301.5 158.4 126.4
Shareholders' Equity - Attributable to Parent Shareholders - Total 23.7 8.3 (12.9) (17.8) (14.5)
Common Equity Attributable to Parent Shareholders 23.7 8.3 (12.9) (17.8) (14.5)
Common Equity - Contributed 10.0 10.0 30.5 20.5 20.5
Common Stock - Issued & Paid 10.0 10.0 30.5 20.5 20.5
Equity - Non-Contributed - Reserves & Retained Earnings 13.7 (1.7) (43.4) (38.3) (35.0)
Retained Earnings - Total 4.6 (6.1) (47.4) (42.3) (39.3)
Comprehensive Income - Accumulated - Total 4.2 4.3 4.0 4.0 4.3
Preferred Stock - Redeemable - Total — — — — —
Preferred Stock - Redeemable - Convertible — — — — —
Other Reserves/Equity - Total 5.0 0.0 — — —
Common Equity - Total 23.7 8.3 (12.9) (17.8) (14.5)
Common Stock - Additional Paid in Capital including Option Reserve — — — — —
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 23.7 8.3 (12.9) (17.8) (14.5)
Total Liabilities & Equity 213.7 298.2 288.5 140.6 112.0
Revaluation Reserves 4.2 4.3 4.0 4.0 4.3
Preferred Shareholders Equity — — — — —
Common Shares - Issued - Total mn 52.7 348.7 348.7 138.9 138.9
Common Shares - Outstanding - Total mn 52.7 348.7 348.7 138.9 138.9
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn — — — — —
Common Shares - Issued - Issue Specific mn 52.7 348.7 348.7 138.9 138.9
Common Shares - Outstanding - Issue Specific mn 52.7 348.7 348.7 138.9 138.9
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 2.5 2.6 — — —
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 2.5 2.6 — — —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 7.8 7.1 — — —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross - Supplemental — — — — —
Finance and Operating Lease Liabilities - Total - Supplemental 3.3 3.3 0.0 0.0 0.0
Debt including Finance and Operating Lease Liabilities - Supplemental 15.0 96.6 134.0 28.9 10.5
Net Debt (0.7) 76.7 119.0 14.1 (5.0)
Debt - Long-Term - Maturities - Total — — — — —
Debt - Long-Term - Maturities - within 1 Year — — — — —
Debt - Long-Term - Maturities - Year 2 — — — — —
Debt - Long-Term - Maturities - Year 5 — — — — —
Debt - Long-Term - Maturities - Year 10 — — — — —
Debt - Long-Term - Maturities - 2-3 Years — — — — —
Debt - Long-Term - Maturities - 4-5 Years — — — — —
Debt - Long-Term - Maturities - Year 6 & Beyond — — — — —
Asset Accruals (12.9) (18.4) (14.5) (13.4) (14.4)
Cash & Cash Equivalents - Total 15.7 19.8 15.1 14.7 15.5
Cash & Securities 102.0 194.7 194.8 66.0 46.4
Cash & Short Term Investments - Total 15.7 19.8 15.1 14.7 15.5
Debt - including Preferred Equity & Minority Interest - Total 15.0 96.6 134.0 28.9 10.5
Earning Assets 142.2 220.0 213.5 97.7 73.8
Demand Deposits - Total — — — — —
Invested Assets - Total 86.3 174.9 179.7 51.3 30.9
Investment Securities — — — — —
Investments - Permanent — — — — —
Net Book Capital 23.0 85.0 106.0 (3.6) (19.5)
Net Operating Assets 23.0 85.0 106.0 (3.6) (19.5)
Provisions - Total 0.0 0.0 0.0 0.0 0.0
Shareholders Equity - Common 23.7 8.3 (12.9) (17.8) (14.5)
Savings Deposits - Total — — — — —
Tangible Total Equity 23.4 7.9 (13.2) (17.9) (14.6)
Tangible Book Value 23.4 7.9 (13.2) (17.9) (14.6)
Total Book Capital 38.7 104.8 121.1 11.1 (4.0)
Total Capital 38.7 104.8 121.1 11.1 (4.0)
Total Long Term Capital 23.7 8.3 (12.9) (17.8) (14.5)
Trading Account — — — — —
Unearned Revenue - Total — — — — —
Book Value excluding Other Equity 18.7 8.3 (12.9) (17.8) (14.5)
Income Taxes - Payable - Long-Term & Short-Term — — — — —
Cash & Short Term Investments - Net of Debt 0.7 (76.7) (119.0) (14.1) 5.0
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 5.0 6.0 — — —
Interest Bearing Liabilities - Total 183.8 282.4 290.9 150.7 119.9
Net Debt Including Preferred Equity & Minority Interest (0.7) 76.7 119.0 14.1 (5.0)
Other Short-Term & Long-Term Assets - Total 60.8 68.3 64.8 32.1 27.1
Other Short-Term & Long-Term Liabilities - Total 6.1 7.5 10.6 7.6 6.5
Tangible Book Value excluding Other Equity 18.4 7.9 (13.2) (17.9) (14.6)
Total Debt Excluding Islamic 15.0 96.6 134.0 28.9 10.5
Reserves for Loan Losses - Total — — — — —
Total Available Funds 192.6 194.1 143.9 104.1 94.9
Loans - Gross – Total 40.2 25.3 18.7 31.7 27.3
Deposits - Net 168.9 185.9 156.9 121.9 109.4
Loans - Net - Total 40.2 25.3 18.7 31.7 27.3
Tangible Book Value & Reserves for Loan Losses - Total — — — — —
Cash in Hand & with Banks - Total 12.9 18.4 14.5 13.4 14.4

Every line the company reported, in the original order and wording, without regrouping or signs changed.