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Investor Relations14 Oct 2025
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Banco Macro (BMA) investor relations material
Banco Macro Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Aug, 2025
Executive summary
Net income for Q2 2025 rose 209% quarter-on-quarter to Ps.149.5 billion, returning to profitability after a loss a year ago, driven by higher net interest and fee income.
Total comprehensive income increased 241% sequentially to Ps.157.1 billion, with strong operating income growth.
Operating income after G&A and personnel expenses was Ps.448.8 billion, up 22% QoQ and 226% YoY.
Asset quality remains strong, though some deterioration in consumer NPLs is expected due to high real interest rates.
Guidance for 2025 maintained: 8–10% ROE, 60% loan growth, and 30% deposit growth.
Financial highlights
Net operating income before expenses up 13% quarter-on-quarter and 49% year-over-year.
Net interest income was Ps.696.9 billion, up 14% QoQ and 163% YoY, with interest income from loans up 19% QoQ.
Net fee income reached Ps.180.4 billion, up 16% QoQ and 34% YoY, led by credit card fees up 90% QoQ.
Efficiency ratio improved to 33.9% from 38.2% in the previous quarter and 55.6% a year ago.
Provision for loan losses was Ps.103 billion, up 47% QoQ and 349% YoY, reflecting loan growth.
Outlook and guidance
Expecting a slight reduction in NIM for Q3 2025 due to higher funding costs and volatility.
Asset quality forecast to deteriorate, with NPLs rising to 2.5–3% by year-end.
Cost of risk expected to remain around 4% for the second half.
Loan growth guidance for 2025 at 60%, deposit growth at 30%, and 45% real loan growth for 2026.
Tier one ratio forecasted at 28.75% by year-end 2025.
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Next Banco Macro earnings date
Q3 20251 Dec, 2025
Next Banco Macro earnings date
Q3 20251 Dec, 2025
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Frequently asked questions
Banco Macro S.A. is a financial institution providing a range of banking services primarily in Argentina. The company's offerings include savings and checking accounts, personal and business loans, credit and debit cards, and investment products. It serves individual customers, small and medium-sized enterprises, and large corporations, providing financial solutions tailored to meet diverse client needs. Banco Macro also offers digital banking services through online platforms and mobile applications. The company is headquartered in Buenos Aires, Argentina, and its shares are listed on the NYSE.
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