Bank Makramah Limited (BML) financial ratios

Bank Makramah Limited earned a net margin of 314.6% in FY2025 (Commercial Banks median 22.2%). Return on equity was 55.2%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 314.6%; Sector median 22.2%
Return on equity (ROE): 55.2%; Sector median 17.0%
Return on assets (ROA): 3.4%; Sector median 1.2%
Debt to equity: 63.1%; Sector median 253.4%
Dividend payout ratio: 0.0%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

BML financial ratios (annual) (Rs mn)
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
Profitability
Pre-tax margin	681.7%	—	—	—	(2,399.4%)	(34,015.6%)	(296.4%)	(36.5%)	(33.0%)	9.4%	0.7%	(58.5%)	(163.1%)	(259.9%)	(252.1%)	(483.1%)	(33.1%)	46.8%	35.6%
Net margin	314.6%	—	—	—	(1,410.8%)	(23,573.9%)	(238.5%)	(36.0%)	(37.3%)	3.2%	4.4%	(76.6%)	(177.4%)	(97.6%)	(196.6%)	(364.3%)	(18.3%)	33.0%	66.9%
Effective tax rate	53.8%	—	—	—	—	—	—	—	—	65.6%	(579.3%)	—	—	—	—	—	—	29.6%	(87.8%)
Returns
Return on equity (ROE)	55.2%	—	—	—	—	—	(135.4%)	(18.5%)	(21.6%)	2.4%	4.3%	(86.4%)	(62.4%)	(23.3%)	(62.4%)	(62.3%)	(3.2%)	4.9%	—
Return on assets (ROA)	3.4%	(1.8%)	(2.5%)	(2.5%)	(2.7%)	—	(5.1%)	(0.9%)	(1.1%)	0.1%	0.2%	(1.4%)	(2.1%)	(1.2%)	(4.3%)	(8.1%)	(0.9%)	1.9%	—
Leverage
Debt to equity	63.1%	1,170.4%	—	—	—	—	840.3%	700.2%	445.8%	451.8%	229.8%	408.3%	1,065.7%	367.7%	171.5%	47.2%	33.4%	33.8%	0.1%
Debt to capital	38.7%	92.1%	110.7%	259.7%	—	3,510.6%	89.4%	87.5%	81.7%	81.9%	69.7%	80.3%	91.4%	78.6%	63.2%	32.1%	25.1%	25.3%	0.1%
Debt to assets	7.0%	32.4%	46.5%	20.5%	9.4%	10.7%	20.0%	30.9%	26.1%	28.7%	19.1%	10.9%	23.9%	17.6%	7.8%	4.4%	7.8%	11.8%	0.1%
Assets to equity	16.01×	—	—	—	—	—	26.71×	19.58×	16.46×	13.87×	17.47×	40.88×	29.12×	21.33×	14.53×	7.65×	3.54×	2.54×	—
Dividends
Dividend payout ratio	0.0%	—	—	—	—	—	—	—	—	0.0%	0.0%	—	—	—	—	—	—	0.0%	0.0%
Earnings retention rate	1.00×	—	—	—	—	—	—	—	—	1.00×	1.00×	—	—	—	—	—	—	1.00×	1.00×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

BML: frequently asked questions

What is BML's EPS?

Bank Makramah Limited reported basic earnings per share of Rs 167.72 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 147.61.

What is BML's P/E ratio?

At the closing price of Rs 60.16 on 16 Oct 2026, BML trades at a P/E of 0.4× based on EPS of Rs 147.61 (TTM to Jun 2026).

Does BML pay dividends?

Bank Makramah Limited did not declare a cash dividend for FY2025.

What was BML's total income and profit in FY2025?

Bank Makramah Limited reported total income of Rs 2.8 bn and profit attributable to shareholders of Rs 8.8 bn for FY2025 (Jan – Dec 2025).

What is BML's book value per share?

Bank Makramah Limited's book value per share was Rs 450.47 at the end of FY2025. The shares trade at 0.93× book value.

Information only, not investment advice.