BML Bank Makramah Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 60.16 -2.10%
Quarterly · Q3 FY2021 – Q2 FY2026
Bank Makramah Limited (BML) quarterly cash flow statement
Operating activities generated Rs 22.2 bn of cash in Q2 FY2026 (Apr – Jun 2026). Capital expenditure was Rs 94.2 mn. Overall, cash increased by Rs 3.1 bn.
| 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 cash from operating activities | (38.5) | 22.2 | (4.7) | (42.7) | (13.4) | (14.9) | (27.4) | 8.6 | (30.7) |
| Capital expenditure | (0.2) | (0.1) | (0.0) | (0.0) | (0.1) | (0.1) | (0.0) | (0.1) | (0.1) |
| Net cash from investing activities | 32.4 | (18.7) | 1.9 | 39.3 | 10.0 | 15.0 | 25.9 | (4.8) | 28.5 |
| Net cash from financing activities | 3.9 | (0.4) | (0.2) | (0.2) | 4.8 | (0.3) | (0.2) | (0.2) | (0.2) |
| Net change in cash | (2.2) | 3.1 | (3.0) | (3.7) | 1.4 | (0.1) | (1.8) | 3.5 | (2.4) |
| 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 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | — | — | -598.3% | — | -176.4% | -2,175.3% | — | -211.6% |
| Capital expenditure | +10.4% | -62.6% | -64.7% | -42.8% | +9.0% | -63.5% | -33.6% | -75.9% |
| Net cash from investing activities | -224.9% | -92.8% | — | -64.8% | — | +1,118.0% | -165.4% | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — |
| Net change in cash | — | — | -203.8% | — | -132.6% | -154.3% | — | — |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 56
| 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 |
|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | (4.3) | (1.2) | 17.3 | 0.3 | 2.2 | (0.7) | (2.2) | (2.6) |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | 0.8 | (0.3) | (18.8) | (1.8) | (3.1) | 0.1 | (0.1) | 1.2 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | 0.5 | (0.6) | (14.9) | (2.1) | (3.4) | (0.2) | (0.4) | 0.9 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 0.3 | 0.3 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | (0.0) | (4.2) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.0) | (0.0) | (1.5) | (0.0) | (0.1) | (0.0) | (0.0) | (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 | 0.6 | 0.2 | 0.1 | 0.1 | 0.1 | 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 | 0.0 | 0.0 |
| Cash Flow from Operating Activities before Changes in Working Capital | (4.2) | (1.7) | (1.5) | (1.6) | (1.1) | (0.8) | (2.4) | (1.6) |
| Working Capital - Increase/(Decrease) - Cash Flow | 26.4 | (2.9) | (41.2) | (11.8) | (13.8) | (26.6) | 11.0 | (29.1) |
| Other Assets - Decrease/(Increase) - Cash Flow | 4.4 | (2.2) | (0.8) | 0.5 | 3.6 | (0.7) | 6.0 | (3.2) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | 0.0 | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | 0.0 | 0.0 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (14.7) | 8.8 | 3.2 | 1.4 | (6.4) | 6.0 | (0.0) | (9.3) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 4.8 | 0.5 | (47.1) | 4.1 | (21.9) | (18.1) | (18.5) | (4.7) |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 31.9 | (10.1) | 3.5 | (17.8) | 11.0 | (13.7) | 23.5 | (11.8) |
| Net Cash Flow from Operating Activities | 22.2 | (4.7) | (42.7) | (13.4) | (14.9) | (27.4) | 8.6 | (30.7) |
| Capital Expenditures - Net - Cash Flow | 0.1 | 0.0 | (1.1) | 0.1 | (0.1) | 0.0 | 0.1 | (0.1) |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 0.1 | 0.0 | (1.1) | 0.1 | (0.2) | 0.0 | 0.0 | (0.2) |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 |
| Property, Plant & Equipment Sold - Cash Flow | 0.0 | 0.0 | 1.1 | 0.0 | 0.2 | 0.0 | 0.0 | 0.3 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 |
| Capital Expenditures - Total | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (18.6) | 1.9 | 38.2 | 10.1 | 14.9 | 25.9 | (4.7) | 28.3 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (18.6) | 1.9 | 38.2 | 10.1 | 14.9 | 25.9 | (4.7) | 28.3 |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | — | — | — | — | — | — | 6.0 | — |
| Investment Securities - Purchased - Unclassified - Cash Flow | — | — | — | — | — | — | 10.7 | — |
| Net Cash Flow from Investing Activities | (18.7) | 1.9 | 39.3 | 10.0 | 15.0 | 25.9 | (4.8) | 28.5 |
| Stock - Total - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — | — | 0.0 | 0.0 |
| Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow | — | — | — | — | — | — | 0.0 | 0.0 |
| Stock - Common - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — | — | 0.0 | 0.0 |
| Stock - Common - Issued/Sold - Cash Flow | — | — | — | — | — | — | 0.0 | 0.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.4) | (0.2) | (0.2) | (0.2) | (0.3) | (0.2) | (0.2) | (0.2) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.4) | (0.2) | (0.2) | (0.2) | (0.3) | (0.2) | (0.2) | (0.2) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.4) | (0.2) | (0.2) | (0.2) | (0.3) | (0.2) | (0.2) | (0.2) |
| Debt - Reduced - Long-Term - Cash Flow | 0.4 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 |
| 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 | 0.4 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | 0.0 | 5.0 | — | — | 0.0 | 0.0 |
| Net Cash Flow from Financing Activities | (0.4) | (0.2) | (0.2) | 4.8 | (0.3) | (0.2) | (0.2) | (0.2) |
| Foreign Exchange Effects - Cash Flow | — | — | — | — | — | — | (0.0) | 0.1 |
| Net Change in Cash - Total | 3.1 | (3.0) | (3.7) | 1.4 | (0.1) | (1.8) | 3.5 | (2.4) |
| Net Cash from Continuing Operations | 3.1 | (3.0) | (3.7) | 1.4 | (0.1) | (1.8) | 3.5 | (2.4) |
| Net Cash - Beginning Balance | 12.7 | 15.7 | 19.3 | 17.9 | 18.1 | 19.8 | 16.3 | 18.7 |
| Net Cash - Ending Balance | 15.7 | 12.7 | 15.7 | 19.3 | 17.9 | 18.1 | 19.8 | 16.3 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 0.6 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | (4.2) | (1.7) | (1.5) | (1.6) | (1.1) | (0.8) | (2.4) | (1.6) |
| Common Stock Buyback - Net | — | — | — | — | — | — | 0.0 | 0.0 |
| Depreciation, Depletion & Amortization - Cash Flow | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 |
| Free Cash Flow to Equity | 21.7 | (4.9) | (41.9) | (13.7) | (15.0) | (27.7) | 8.2 | (30.8) |
| Free Cash Flow Net of Dividends | 22.1 | (4.7) | (42.7) | (13.4) | (14.9) | (27.5) | 8.5 | (30.8) |
| Free Cash Flow | 22.1 | (4.7) | (42.7) | (13.4) | (14.9) | (27.5) | 8.5 | (30.8) |
Every line the company reported, in the original order and wording, without regrouping or signs changed.