Bank Makramah Limited · PSX:BML
Bank Makramah — Investor Presentation (2026)
17 slides from Bank Makramah's investor presentation, Mar 30, 2026
Slide 1: Corporate Briefing for the Year 2025
CORPORATE BRIEFING FOR THE YEAR 2025 1
Slide 2: Profile of the Bank
PROFILE OF THE BANK 2
Slide 3: Bank's Profile
BANK’S PROFILE STATUS AND NATURE OF BUSINESS Bank Makramah Limited (the Bank), is a banking company incorporated in Pakistan on December 09, 2005 as a public company limited by shares under the repealed Companies Ordinance, 1984 (now Companies Act, 2017). The Bank's registered office is situated at
Slide 4: Achievements
ACHIEVEMENTS 4
Slide 5: Achievements
ACHIEVEMENTS It is with immense pride and pleasure to reflect on the remarkable journey of our Bank, as we celebrate multiple milestone achievements that have eluded us for far too long. The year 2025 will be etched in our history as the year of remarkable turnaround, unwavering commitment and of un
Slide 6: Achievements
ACHIEVEMENTS 4. Amalgamation of Global Haly Development (GHDL) The Honourable Court sanctioned the Scheme of Arrangement in November 2025, with an effective date of September 30, 2024. As a result of this amalgamation, the net assets of the Bank increased by approximately PKR 26.47 billion. 5. Recov
Slide 7: Standalone Results for the Year Ended December 31, 2025
STANDALONE RESULTS FOR THE YEAR ENDED DECEMBER 31, 2025 7
Slide 8: Balance Sheet
BALANCE SHEET Restated 2025 2024 (Rupees in '000) ASSETS Cash and balances with treasury banks 12,915,786 18,352,205 Balances with other banks 2,760,766 1,472,869 Lendings to financial institutions 14,199,796 9,697,187 Investments 86,281,902 175,012,164 Advances 26,126,936 15,618,918 Property and eq
Slide 9: Profit & Loss
PROFIT & LOSS Restated 2025 2024 (Rupees in '000) Mark-up / return / interest earned 18,612,699 38,923,020 Mark-up / return / interest expensed 19,468,349 43,009,125 Net Mark-up / interest expense (855,650) (4,086,105) NON MARK-UP / INTEREST INCOME Fee and commission income 1,019,887 999,731 Dividen
Slide 10: Advances & Deposit Analysis – From 2021 - 2025
ADVANCES & DEPOSIT ANALYSIS– From 2021 - 2025 10
Slide 11: Advances Analysis
ADVANCES ANALYSIS Increase / Increase / Increase / Increase / Increase / 2025 (Decrease) 2024 (Decrease) 2023 (Decrease) 2022 (Decrease) 2021 (Decrease) Rs in '000 % Rs in '000 % Rs in '000 % Rs in '000 % Rs in '000 % Performing Loan 23,441,445 60% 14,684,357 -12% 16,677,292 -11% 18,766,876 -18% 22,
Slide 12: Deposit Analysis
DEPOSIT ANALYSIS Increase / Increase / Increase / Increase / Increase / 2025 (Decrease) 2024 (Decrease) 2023 (Decrease) 2022 (Decrease) 2021 (Decrease) Rs in '000 % Rs in '000 % Rs in '000 % Rs in '000 % Rs in '000 % Current Deposits /Non Remunerative Deposits 41,735,056 -5% 44,082,589 -11% 49,466,4
Slide 13: Lot More to Come
LOT MORE TO COME 13
Slide 14: TFC Conversion Into Ordinary Shares
TFC Conversion Into Ordinary Shares The Bank on January 28, 2026 moved a Resolution of TFC Holders by way of Circulation for conversion of their principal of Rs. 1.495 billion and profit thereon of Rs. 1.855 billion accrued till December 31, 2025, to be adjusted for tax, into fully paid ordinary sha
Slide 15: Listed Banks Analysis
LISTED BANKS ANALYSIS 15
Slide 16: Listed Banks Analysis
LISTED BANKS ANALYSIS REP-057 MEI Pakistan Listed Banks Comp Sheet Pakistan ) Listed Banks Key Numbers GFropline 2 2 s&s = Price | vet bs = oe wl a S Z. 2 a : ae fe ae. ae | ant wml or) * & = 8 £8 9/4 8 § 2 2583 43 2 2 928 8 26 922d 28 3 028 32 2 = s 3 ea aie z* = z 3 3 g United (UBL) 3613) 3,239 70
Slide 17: Thank You
THANK YOU 17