ScoreWhy is Bank Makramah Ltd. ?
1
With a Negative Book Value, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 7.70%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of -89.07% signifying inadequate buffers against its risk based assets
2
Negative results in Mar 25
- CREDIT DEPOSIT RATIO(HY) Lowest at 32.67%
- NET SALES(Q) Lowest at PKR 5,932.28
3
Risky - Negative EBITDA
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 2%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Bank Makramah Ltd. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank Makramah Ltd.
110.99%
1.56
65.08%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
29.37%
EBIT Growth (5y)
33.54%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
-2.92
EV to EBIT
-18.19
EV to EBITDA
-23.02
EV to Capital Employed
3.88
EV to Sales
3.47
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-21.35%
ROE (Latest)
Negative BV
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
ROCE(HY)
Highest at -0.46%
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at PKR 34,095.9 MM
PRE-TAX PROFIT(Q)
At PKR 333.11 MM has Grown at 112.79%
NET PROFIT(Q)
At PKR 175.29 MM has Grown at 110.08%
-16What is not working for the Company
ROCE(HY)
Lowest at -0.46%
NET SALES(Q)
Lowest at PKR 4,330.54 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 32.54%
Here's what is working for Bank Makramah Ltd.
Non Performing Loans (%)
Lowest at 55.39%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Pre-Tax Profit
At PKR 333.11 MM has Grown at 112.79%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PKR MM)
Net Profit
At PKR 175.29 MM has Grown at 110.08%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
Cash and Eqv
Highest at PKR 34,095.9 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Bank Makramah Ltd.
Net Sales
At PKR 4,330.54 MM has Fallen at -59.08%
Year on Year (YoY)MOJO Watch
Near term sales trend is extremely negative
Net Sales (PKR MM)
Net Sales
Lowest at PKR 4,330.54 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PKR MM)
Credit Deposit Ratio
Lowest at 32.54%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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