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Commercial Banks

BML Bank Makramah Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 60.16 -2.10%

Quarterly · Q3 FY2021 – Q2 FY2026

Bank Makramah Limited (BML) quarterly balance sheet

At the end of Q2 FY2026 (Apr – Jun 2026) Bank Makramah Limited had total assets of Rs 237.2 bn, up 4.0% on Q2 FY2025. Deposits were Rs 190.6 bn, up 4.1% on Q2 FY2025 and net advances Rs 46.4 bn. Investments stood at Rs 102.7 bn. Shareholders' equity was Rs 22.6 bn (Rs 64.74 per share), 9.5% of total assets.

BML balance sheet (quarterly) (Rs bn)
Rs bn 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
Assets
Cash & balances with banks 15.7 12.7 15.7 19.3 17.9 18.1 19.8 16.3
Investments 102.7 83.7 86.3 123.3 133.8 147.4 174.9 170.0
Advances (net) 46.4 32.0 40.2 29.6 28.8 19.4 25.3 24.9
Fixed assets 11.2 10.3 10.3 9.3 9.5 9.7 9.7 9.6
Intangible assets 0.3 0.3 0.3 0.3 0.4 0.3 0.3 0.3
Other assets 60.9 64.4 60.8 37.3 37.8 42.1 68.3 46.1
Total assets 237.2 203.4 213.7 219.3 228.1 237.1 298.2 267.2
Liabilities
Deposits 190.6 158.8 168.9 165.4 183.2 172.2 185.9 162.3
Borrowings 18.9 14.0 15.0 60.3 57.6 79.1 96.6 114.0
Total liabilities 214.6 177.1 190.0 232.4 246.2 257.1 290.0 283.5
Equity
Share capital 10.3 10.3 10.0 30.5 30.5 30.5 10.0 30.5
Equity attributable to shareholders 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Total equity 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Total liabilities & equity 237.2 203.4 213.7 219.3 228.1 237.1 298.2 267.2
Key figures
Advances to deposits (ADR) 0.24× 0.20× 0.24× 0.18× 0.16× 0.11× 0.14× 0.15×
Shares outstanding mn 348.7 348.7 52.7 348.7 348.7 348.7 348.7 348.7
Common equity 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Book value per share (Rs) Rs 64.74 75.44 450.47 (37.71) (51.81) (57.32) 23.67 (46.93)
BML balance sheet — year-on-year change (Rs mn)
Rs mn 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
Assets
Cash & balances with banks -12.2% -29.8% -20.9% +18.7% -4.2% -1.6% +31.6% +5.0%
Investments -23.2% -43.2% -50.6% -27.5% -32.0% -16.5% -2.7% -8.3%
Advances (net) +61.1% +64.6% +59.2% +19.1% +76.2% +14.5% +35.5% +35.6%
Fixed assets +17.8% +6.2% +6.6% -2.3% -1.0% -1.6% -2.9% -6.3%
Intangible assets -21.3% -4.7% -2.5% +19.3% +28.1% +14.6% +26.0% +18.0%
Other assets +61.3% +52.8% -10.9% -19.2% -11.7% -4.4% +5.3% +18.0%
Total assets +4.0% -14.2% -28.3% -17.9% -19.8% -10.9% +3.4% -0.6%
Liabilities
Deposits +4.1% -7.8% -9.1% +1.9% +5.2% +8.3% +18.5% +10.4%
Borrowings -67.2% -82.2% -84.5% -47.1% -51.4% -31.2% -27.9% -7.0%
Total liabilities -12.8% -31.1% -34.5% -18.0% -18.0% -8.5% -3.8% +1.2%
Equity
Share capital -66.3% -66.3% 0.0% 0.0% 0.0% 0.0% -67.2% 0.0%
Equity attributable to shareholders — — +187.4% — — — — —
Total equity — — +187.4% — — — — —
Total liabilities & equity +4.0% -14.2% -28.3% -17.9% -19.8% -10.9% +3.4% -0.6%
Key figures
Advances to deposits (ADR) — — — — — — — —
Shares outstanding — — — — — — — —
Common equity — — +187.4% — — — — —
Book value per share (Rs) — — +1,803.4% — — — — —

Change against the same quarter a year earlier; shown when the earlier figure is positive.

BML balance sheet — common size (Rs mn)
Rs mn 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
Assets
Cash & balances with banks 6.6% 6.2% 7.3% 8.8% 7.9% 7.6% 6.6% 6.1%
Investments 43.3% 41.2% 40.4% 56.2% 58.6% 62.2% 58.6% 63.6%
Advances (net) 19.6% 15.7% 18.8% 13.5% 12.6% 8.2% 8.5% 9.3%
Fixed assets 4.7% 5.0% 4.8% 4.3% 4.2% 4.1% 3.2% 3.6%
Intangible assets 0.1% 0.2% 0.2% 0.2% 0.2% 0.1% 0.1% 0.1%
Other assets 25.7% 31.7% 28.5% 17.0% 16.6% 17.8% 22.9% 17.3%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 80.4% 78.1% 79.0% 75.4% 80.3% 72.6% 62.3% 60.8%
Borrowings 8.0% 6.9% 7.0% 27.5% 25.3% 33.4% 32.4% 42.7%
Total liabilities 90.5% 87.1% 88.9% 106.0% 107.9% 108.4% 97.2% 106.1%
Equity
Share capital 4.3% 5.1% 4.7% 13.9% 13.4% 12.9% 3.4% 11.4%
Equity attributable to shareholders 9.5% 12.9% 11.1% (6.0%) (7.9%) (8.4%) 2.8% (6.1%)
Total equity 9.5% 12.9% 11.1% (6.0%) (7.9%) (8.4%) 2.8% (6.1%)
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Common equity 9.5% 12.9% 11.1% (6.0%) (7.9%) (8.4%) 2.8% (6.1%)

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 98
BML balance sheet — all reported line items (Rs bn)
Rs bn 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
Cash & Short-Term Deposits Due from Banks - Total 15.7 12.7 15.7 19.3 17.9 18.1 19.8 16.3
Cash & Short-Term Deposits Due from Banks 13.7 8.9 12.9 18.1 16.2 15.7 18.4 14.8
Funds with Central Banks 2.1 3.8 2.8 1.2 1.8 2.4 1.5 1.5
Loans & Receivables - Total 46.4 32.0 40.2 29.6 28.8 19.4 25.3 24.9
Banking Related Loans – Net 46.4 32.0 40.2 29.6 28.8 19.4 25.3 24.9
Investments - Total 102.7 83.7 86.3 123.3 133.8 147.4 174.9 170.0
Property, Plant & Equipment - Net - Total 11.2 10.3 10.3 9.3 9.5 9.7 9.7 9.6
Other Assets - Total 60.9 64.4 60.8 37.3 37.8 42.1 68.3 46.1
Deferred Tax - Asset - Long-Term & Short-Term 17.1 15.4 14.2 25.8 25.6 26.3 25.6 25.2
Other Assets 43.8 49.0 46.6 11.5 12.1 15.8 42.7 21.0
Intangible Assets - Total - Net 0.3 0.3 0.3 0.3 0.4 0.3 0.3 0.3
Intangible Assets - excluding Goodwill - Net - Total 0.3 0.3 0.3 0.3 0.4 0.3 0.3 0.3
Total Assets 237.2 203.4 213.7 219.3 228.1 237.1 298.2 267.2
Deposits - Total 190.6 158.8 168.9 165.4 183.2 172.2 185.9 162.3
Debt - Total 18.9 14.0 15.0 60.3 57.6 79.1 96.6 114.0
Short-Term Debt & Current Portion of Long-Term Debt 3.0 13.1 14.1 57.7 56.7 78.2 5.9 1.5
Deposits - Customers - Total — — — — — — — —
Deposits - Demand -Customer — — — — — — — —
Deposits - Savings - Customer — — — — — — — —
Deposits - Other - Customer — — — — — — — —
Deposits - Due to Banks & Financial Institutions — — — — — — — —
Deposits - Demand Deposits - Due to Banks & Financial Institutions — — — — — — — —
Deposits - Savings - Due to Banks & Financial Institutions — — — — — — — —
Current Portion of Long-Term Debt including Capitalized Leases — 4.9 5.0 3.4 5.3 5.6 2.5 —
Capitalized Leases - Current Portion — 2.6 2.5 0.8 2.6 2.6 2.5 —
Short-Term Debt & Notes Payable 3.0 8.2 9.0 54.3 51.4 72.6 3.4 1.5
Debt - Long-Term - Total 15.9 0.9 0.9 2.6 0.9 0.9 90.7 112.6
Short-Term Banking Borrowings excluding Collateralized Financing 3.0 2.6 4.3 4.2 3.4 3.1 3.4 1.5
Collateralized Financing Agreements, REPO Financing Loans - Liabilities — 5.6 4.8 50.1 48.0 69.4 — —
Securities Sold under Repurchase Agreements & Federal Funds Purchased — 5.6 4.8 50.1 48.0 69.4 — —
Securities Sold under Repurchase Agreements — 5.6 4.8 50.1 48.0 69.4 — —
Current Portion of Long-Term Debt excluding Capitalized Leases — 2.3 2.5 2.6 2.7 3.0 — —
Capitalized Lease Obligations - Long-Term 4.2 0.8 0.8 2.5 0.9 0.8 0.8 3.1
Long-Term Debt excluding Capitalized Leases 11.6 0.1 0.1 0.1 0.1 0.1 89.9 109.4
Debt - Non-Convertible - Long-Term 11.6 0.1 0.1 0.1 0.1 0.1 89.9 109.4
Deferred Tax & Investment Tax Credits - Long-Term 0.0 0.0 0.0 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 0.0 0.0 0.0
Junior Subordinated Debentures & Notes Payable - Trust Account — — — — — — — —
Other Liabilities - Total 5.1 4.3 6.1 6.7 5.3 5.8 7.5 7.2
Other Liabilities - 5.1 4.3 6.1 6.7 5.3 5.8 7.5 7.2
Total Liabilities 214.6 177.1 190.0 232.4 246.2 257.1 290.0 283.5
Shareholders' Equity - Attributable to Parent Shareholders - Total 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Common Equity Attributable to Parent Shareholders 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Common Equity - Contributed 10.3 10.3 10.0 30.5 30.5 30.5 10.0 30.5
Common Stock - Issued & Paid 10.3 10.3 10.0 30.5 30.5 30.5 10.0 30.5
Equity - Non-Contributed - Reserves & Retained Earnings 12.3 16.0 13.7 (43.6) (48.6) (50.5) (1.7) (46.9)
Retained Earnings - Total 3.0 6.9 4.6 (52.1) (52.3) (53.9) (6.1) (51.3)
Comprehensive Income - Accumulated - Total 4.3 4.2 4.2 3.5 3.7 3.5 4.3 4.4
Other Reserves/Equity - Total 5.0 5.0 5.0 5.0 — — — —
Common Equity - Total 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Total Liabilities & Equity 237.2 203.4 213.7 219.3 228.1 237.1 298.2 267.2
Revaluation Reserves 4.3 4.2 4.2 3.5 3.7 3.5 4.3 4.4
Common Shares - Issued - Total mn 348.7 348.7 52.7 348.7 348.7 348.7 348.7 348.7
Common Shares - Outstanding - Total mn 348.7 348.7 52.7 348.7 348.7 348.7 348.7 348.7
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Common Shares - Issued - Issue Specific mn 348.7 348.7 52.7 348.7 348.7 348.7 348.7 348.7
Common Shares - Outstanding - Issue Specific mn 348.7 348.7 52.7 348.7 348.7 348.7 348.7 348.7
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 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× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 3.5 2.6 2.5 2.6 2.7 2.7 2.6 2.4
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 3.5 2.6 2.5 2.6 2.7 2.7 2.6 2.4
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 7.7 7.7 7.8 6.7 6.8 7.0 7.1 7.1
Finance and Operating Lease Liabilities - Total - Supplemental 4.2 3.4 3.3 3.4 3.4 3.4 3.3 3.1
Debt including Finance and Operating Lease Liabilities - Supplemental 18.9 14.0 15.0 60.3 57.6 79.1 96.6 114.0
Net Debt 3.2 1.4 (0.7) 41.0 39.7 61.0 76.7 97.7
Asset Accruals (13.7) (8.9) (12.9) (18.1) (16.2) (15.7) (18.4) (14.8)
Cash & Cash Equivalents - Total 15.7 12.7 15.7 19.3 17.9 18.1 19.8 16.3
Cash & Securities 118.5 96.4 102.0 142.6 151.7 165.5 194.7 186.3
Cash & Short Term Investments - Total 15.7 12.7 15.7 19.3 17.9 18.1 19.8 16.3
Debt - including Preferred Equity & Minority Interest - Total 18.9 14.0 15.0 60.3 57.6 79.1 96.6 114.0
Earning Assets 164.9 128.4 142.2 172.3 180.5 184.9 220.0 211.2
Demand Deposits - Total — — — — — — — —
Invested Assets - Total 102.7 83.7 86.3 123.3 133.8 147.4 174.9 170.0
Net Book Capital 25.7 27.7 23.0 27.8 21.6 41.0 85.0 81.4
Net Operating Assets 25.7 27.7 23.0 27.8 21.6 41.0 85.0 81.4
Provisions - Total 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Shareholders Equity - Common 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Savings Deposits - Total — — — — — — — —
Tangible Total Equity 22.3 26.0 23.4 (13.5) (18.4) (20.3) 7.9 (16.7)
Tangible Book Value 22.3 26.0 23.4 (13.5) (18.4) (20.3) 7.9 (16.7)
Total Book Capital 41.5 40.4 38.7 47.2 39.6 59.1 104.8 97.7
Total Capital 41.5 40.4 38.7 47.2 39.6 59.1 104.8 97.7
Total Long Term Capital 22.6 26.3 23.7 (13.1) (18.1) (20.0) 8.3 (16.4)
Book Value excluding Other Equity 17.6 21.3 18.7 (18.1) (18.1) (20.0) 8.3 (16.4)
Cash & Short Term Investments - Net of Debt (3.2) (1.4) 0.7 (41.0) (39.7) (61.0) (76.7) (97.7)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments — 4.9 5.0 3.4 5.3 5.6 2.5 —
Interest Bearing Liabilities - Total 209.5 172.8 183.8 225.7 240.8 251.2 282.4 276.3
Net Debt Including Preferred Equity & Minority Interest 3.2 1.4 (0.7) 41.0 39.7 61.0 76.7 97.7
Other Short-Term & Long-Term Assets - Total 60.9 64.4 60.8 37.3 37.8 42.1 68.3 46.1
Other Short-Term & Long-Term Liabilities - Total 5.1 4.3 6.1 6.7 5.3 5.8 7.5 7.2
Tangible Book Value excluding Other Equity 17.3 21.0 18.4 (18.5) (18.4) (20.3) 7.9 (16.7)
Total Debt Excluding Islamic 18.9 14.0 15.0 60.3 57.6 79.1 96.6 114.0
Total Available Funds 213.2 185.1 192.6 152.2 165.1 152.2 194.1 146.0
Loans - Gross – Total 46.4 32.0 40.2 29.6 28.8 19.4 25.3 24.9
Deposits - Net 190.6 158.8 168.9 165.4 183.2 172.2 185.9 162.3
Loans - Net - Total 46.4 32.0 40.2 29.6 28.8 19.4 25.3 24.9
Cash in Hand & with Banks - Total 13.7 8.9 12.9 18.1 16.2 15.7 18.4 14.8

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