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 猫 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 qualit脿 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) present贸 s贸lidos 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 mostr贸 un desempe帽o operativo robusto con ingresos operativos antes de gastos por Ps.956.2 billion, un 13% m谩s trimestre a trimestre.
Los indicadores clave reflejan una buena salud financiera con una ratio de adecuaci贸n de capital del 30,5% y capital excedente de Ps.3.13 trillion. El total de financiamiento aument贸 un 14% intertrimestral hasta Ps.9.24 trillion, mientras que los dep贸sitos crecieron un 4% hasta Ps.10.62 trillion. El banco mantuvo una s贸lida 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 m谩s de 212.183 clientes corporativos.
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欤检殧 歆�響滊姅 鞛愲掣鞝侅爼靹彪箘鞙� 30.5%鞕� 齑堦臣鞛愲掣 Ps.3.13 trillion鞙茧 鞏戫樃頃� 鞛瓯挫爠靹膘潉 雮橅儉雰呺媹雼�. 齑� 鞐嫚鞚� 鞝勲秳旮� 雽�牍� 14% 歃濌皜頃� Ps.9.24 trillion鞚� 旮半頄堦碃, 鞓堦笀鞚� 4% 歃濌皜頃� Ps.10.62 trillion鞐� 雼枅鞀惦媹雼�. 鞚�頄夓潃 攵�鞁れ眲甓岆箘鞙� 2.06%鞕� 旎る矂毽牍勳湪 140.37%搿� 雴掛潃 鞛愳偘瓯挫爠靹膘潉 鞙犾頄堨姷雼堧嫟.
BMA電� 鞎勲ゴ項嫲雮� 鞝勳棴鞚� 491臧� 歆�鞝愳棎靹� 6.21 million retail customers鞐愱矊 靹滊箘鞀るゼ 鞝滉车頃橂┌, 鞚� 欷� 260毵� 氇呾潃 霐旍韯� 瓿犼皾鞚搓碃 氩曥澑 瓿犼皾鞚� 212,183瓿踌澊 雱橃姷雼堧嫟.
Banco Macro (NYSE: BMA) a publi茅 de solides r茅sultats financiers au deuxi猫me trimestre 2025, avec un r茅sultat net de Ps.149.5 billion, en hausse de 209% par rapport au premier trimestre 2025. La banque a affich茅 une performance op茅rationnelle robuste avec un produit d'exploitation avant charges de Ps.956.2 billion, en progression de 13% d'un trimestre 脿 l'autre.
Les indicateurs cl茅s montrent une bonne sant茅 financi猫re avec un ratio de solvabilit茅 de 30,5% et un exc茅dent de capitaux de Ps.3.13 trillion. Le total des financements a augment茅 de 14% en glissement trimestriel pour atteindre Ps.9.24 trillion, tandis que les d茅p么ts ont cr没 de 4% 脿 Ps.10.62 trillion. La banque a maintenu une bonne qualit茅 d'actifs avec un ratio de d茅faut 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 num茅riques et plus de 212 183 clients entreprises.
Banco Macro (NYSE: BMA) meldete starke Finanzergebnisse f眉r das zweite Quartal 2025, mit einem Nettogewinn von Ps.149.5 billion, ein Anstieg von 209% gegen眉ber 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 Kapitalad盲quanzquote von 30,5% und einem 脺berschuss an Kapital von Ps.3.13 trillion. Die Gesamtfinanzierungen stiegen im Quartalsvergleich um 14% auf Ps.9.24 trillion, w盲hrend die Einlagen um 4% auf Ps.10.62 trillion zunahmen. Die Bank hielt eine starke Asset-Qualit盲t mit einer Non-Performing-Ratio von 2,06% und einer Deckungsquote von 140,37% aufrecht.
BMA bedient 6.21 million retail customers 眉ber 491 Filialen in ganz Argentinien, darunter 2,6 Millionen digitale Kunden und 眉ber 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 鈥� 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听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听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听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,听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,听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 鈥� 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听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:
IR Contacts in
Jorge Scarinci
Chief Financial Officer听
Nicol谩s A. Torres
Investor Relations
Phone: (54 11) 5222 6682
E-mail: [email protected]听
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SOURCE Banco Macro S.A.
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