Banco Macro Announces Results for the Second Quarter of 2025
Banco Macro (NYSE: BMA) reported strong financial results for Q2 2025, with net income reaching Ps.149.5 billion, a 209% increase from Q1 2025. The bank demonstrated robust operational performance with operating income before expenses totaling Ps.956.2 billion, up 13% quarter-over-quarter.
Key metrics show solid financial health with a 30.5% Capital Adequacy Ratio and excess capital of Ps.3.13 trillion. Total financing increased 14% QoQ to Ps.9.24 trillion, while deposits grew 4% to Ps.10.62 trillion. The bank maintained strong asset quality with a non-performing ratio of 2.06% and coverage ratio of 140.37%.
BMA serves 6.21 million retail customers through 491 branches across Argentina, including 2.6 million digital customers and over 212,183 corporate clients.
Banco Macro (NYSE: BMA) ha riportato risultati finanziari solidi per il secondo trimestre 2025, con un utile netto pari a Ps.149.5 billion, in aumento del 209% rispetto al primo trimestre 2025. La banca ha mostrato una solida performance operativa con un reddito operativo prima delle spese di Ps.956.2 billion, in crescita del 13% trimestre su trimestre.
I principali indicatori evidenziano una buona salute finanziaria con un rapporto di adeguatezza patrimoniale del 30,5% e un capitale in eccedenza di Ps.3.13 trillion. Il totale dei finanziamenti è aumentato del 14% QoQ portandosi a Ps.9.24 trillion, mentre i depositi sono cresciuti del 4% a Ps.10.62 trillion. La banca ha mantenuto una forte qualità degli attivi con un tasso di sofferenze del 2,06% e un indice di copertura del 140,37%.
BMA serve 6.21 million retail customers attraverso 491 filiali in tutta l'Argentina, inclusi 2,6 milioni di clienti digitali e oltre 212.183 clienti corporate.
Banco Macro (NYSE: BMA) presentó sólidos resultados financieros en el segundo trimestre de 2025, con un ingreso neto de Ps.149.5 billion, un aumento del 209% respecto al primer trimestre de 2025. El banco mostró un desempeño operativo robusto con ingresos operativos antes de gastos por Ps.956.2 billion, un 13% más trimestre a trimestre.
Los indicadores clave reflejan una buena salud financiera con una ratio de adecuación de capital del 30,5% y capital excedente de Ps.3.13 trillion. El total de financiamiento aumentó un 14% intertrimestral hasta Ps.9.24 trillion, mientras que los depósitos crecieron un 4% hasta Ps.10.62 trillion. El banco mantuvo una sólida calidad de activos con una tasa de morosidad del 2,06% y una cobertura del 140,37%.
BMA atiende a 6.21 million retail customers mediante 491 sucursales en Argentina, incluyendo 2,6 millones de clientes digitales y más de 212.183 clientes corporativos.
Banco Macro (NYSE: BMA)는 2025년 2분기에 견조한 재무 실적을 보고했으며, 순이익은 Ps.149.5 billion으로 2025년 1분기 대비 209% 증가했습니다. 은행은 영업비용 차감 전 영업수익이 Ps.956.2 billion에 달하며 전분기 대비 13% 증가하는 등 견실한 영업 실적을 보였습니다.
주요 지표는 자본적정성비율 30.5%와 초과자본 Ps.3.13 trillion으로 양호한 재무건전성을 나타냅니다. 총 여신은 전분기 대비 14% 증가해 Ps.9.24 trillion을 기록했고, 예금은 4% 증가해 Ps.10.62 trillion에 달했습니다. 은행은 부실채권비율 2.06%와 커버리지비율 140.37%로 높은 자산건전성을 유지했습니다.
BMA는 아르헨티나 전역의 491개 지점에서 6.21 million retail customers에게 서비스를 제공하며, 이 중 260만 명은 디지털 고객이고 법인 고객은 212,183곳이 넘습니다.
Banco Macro (NYSE: BMA) a publié de solides résultats financiers au deuxième trimestre 2025, avec un résultat net de Ps.149.5 billion, en hausse de 209% par rapport au premier trimestre 2025. La banque a affiché une performance opérationnelle robuste avec un produit d'exploitation avant charges de Ps.956.2 billion, en progression de 13% d'un trimestre à l'autre.
Les indicateurs clés montrent une bonne santé financière avec un ratio de solvabilité de 30,5% et un excédent de capitaux de Ps.3.13 trillion. Le total des financements a augmenté de 14% en glissement trimestriel pour atteindre Ps.9.24 trillion, tandis que les dépôts ont crû de 4% à Ps.10.62 trillion. La banque a maintenu une bonne qualité d'actifs avec un ratio de défaut de 2,06% et un ratio de couverture de 140,37%.
BMA dessert 6.21 million retail customers via 491 agences en Argentine, dont 2,6 millions de clients numériques et plus de 212 183 clients entreprises.
Banco Macro (NYSE: BMA) meldete starke Finanzergebnisse für das zweite Quartal 2025, mit einem Nettogewinn von Ps.149.5 billion, ein Anstieg von 209% gegenüber dem ersten Quartal 2025. Die Bank zeigte eine robuste operative Leistung mit einem Betriebsergebnis vor Aufwendungen von Ps.956.2 billion, ein Plus von 13% im Quartalsvergleich.
Wichtige Kennzahlen belegen eine solide Finanzlage mit einer Kapitaladäquanzquote von 30,5% und einem Überschuss an Kapital von Ps.3.13 trillion. Die Gesamtfinanzierungen stiegen im Quartalsvergleich um 14% auf Ps.9.24 trillion, während die Einlagen um 4% auf Ps.10.62 trillion zunahmen. Die Bank hielt eine starke Asset-Qualität mit einer Non-Performing-Ratio von 2,06% und einer Deckungsquote von 140,37% aufrecht.
BMA bedient 6.21 million retail customers über 491 Filialen in ganz Argentinien, darunter 2,6 Millionen digitale Kunden und über 212.183 Firmenkunden.
- Net income increased 209% quarter-over-quarter to Ps.149.5 billion
- Strong capital position with 30.5% Capital Adequacy Ratio and Ps.3.13 trillion excess capital
- Healthy liquidity with liquid assets at 67% of total deposits
- Low non-performing loan ratio of 2.06% with strong coverage ratio of 140.37%
- Total financing grew 91% year-over-year to Ps.9.24 trillion
- Peso deposits showed minimal growth of just 1% in Q2
- Return on equity (ROAE) at 12% indicates moderate profitability levels
Insights
Banco Macro posted strong Q2 2025 results with 209% higher net income and improving operational metrics amid Argentina's challenging economic environment.
Banco Macro delivered impressive financial performance in Q2 2025 with net income reaching
The bank's operational strength is particularly evident in its operating income before expenses, which grew
Total financing expanded by
Banco Macro maintains exceptionally strong capital adequacy with a
The bank's extensive network of 491 branches serves 6.21 million retail customers and over 212,000 corporate clients across nearly all of Argentina's provinces, with digital banking penetration reaching approximately 42% of retail customers – reflecting ongoing digital transformation efforts while maintaining traditional banking relationships in a country where physical presence remains important.
Summary
- THE BANK'S NET INCOME totaled Ps.149.5 billion in 2Q25. This result was
209% or Ps.101.1 billion higher than the result posted in 1Q25. In 2Q25, the annualized return on average equity ("ROAE") and the annualized return on average assets ("ROAA") were12% and3.5% , respectively. - In 2Q25, OPERATING INCOME (before G&A and personnel expenses) totaled Ps.956.2 billion,
13% or Ps.107 billion higher than in 1Q25 and49% or Ps.314.6 billion higher than the same period of last year. - In 2Q25, OPERATING INCOME (after G&A and personnel expenses) totaled Ps.448.8 billion,
22% or Ps.80.1 billion higher than in 1Q25 and226% or Ps.311 billion higher than the same period of last year. - In 2Q25, BANCO MACRO'S TOTAL FINANCING increased
14% or Ps.1.1 trillion quarter over quarter ("QoQ") totaling Ps.9.24 trillion and increased91% or Ps.4.4 trillion year over year ("YoY"). In 2Q25 both peso an USD financing increased13% and4% respectively. - In 2Q25, BANCO MACRO'S TOTAL DEPOSITS increased
4% or Ps.406.2 billion QoQ and increased13% or Ps.1.22 trillion YoY, totaling Ps.10.62 trillion and representing76% of the Bank's total liabilities. Private sector deposits increased4% or Ps.414 billion QoQ. In 2Q25, Peso deposits increased1% while USD deposits increased2% . - Banco Macro continued showing a strong solvency ratio, with an EXCESS CAPITAL of Ps.3.13 trillion,
30.5% Capital Adequacy Ratio – Basel III and29.9% Tier 1 Ratio. In addition, the Bank's LIQUID ASSETS remained at an adequate level, reaching67% of its total deposits in 2Q25. - In 2Q25, the Bank's NON-PERFORMING TO TOTAL FINANCING RATIO was
2.06% and the COVERAGE RATIO reached140.37% . - As of 2Q25, through its 491 branches and 8,882 employees Banco Macro serves 6.21 million retail customers (2.6 million digital customers) across 23 of the 24 Provinces in
Argentina and over 212,183 corporate customers.
2Q25 Earnings Release Conference Call
Thursday, August 28, 2025
Time: 11:00 a.m. Eastern Time | 12:00 p.m. Buenos Aires Time
To participate, please register here:
Banco Macro 2Q25 Earnings Call
IR Contacts in
Jorge Scarinci
Chief Financial Officer
Nicolás A. Torres
Investor Relations
Phone: (54 11) 5222 6682
E-mail: investorelations@macro.com.ar
Visit our website at: www.macro.com.ar/relaciones-inversores
View original content:https://www.prnewswire.com/news-releases/banco-macro-announces-results-for-the-second-quarter-of-2025-302540436.html
SOURCE Banco Macro S.A.
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