Banco Macro demonstrated strong loan growth and maintained a robust capital position, but faced significant challenges with a decreased net income and increased loan loss provisions. The efficiency ratio improved, yet income from government securities and net interest margins declined.

Company Guidance -

Q2 2025

During Banco Macro's first quarter 2025 earnings call, several key metrics were highlighted as part of their financial performance and forward guidance. The bank reported a net income of ARS45.7 billion, a significant 59% decrease from the previous quarter, largely attributed to lower net income from financial assets and liabilities and increased inflation-related losses. Despite this, net interest income rose by 122% year-on-year, reaching ARS579.2 billion. The bank's annualized return on equity was 3.8%, with a return on average assets at 1.2%. Provision for loan losses surged by 62% from the previous quarter, totaling ARS66 billion, driven by loan growth. The efficiency ratio improved slightly to 38.2%, although it was higher than the previous year's 14.7%. Banco Macro's capital adequacy remained robust with a capital ratio of 34.3% and a Tier 1 ratio of 33.6%. Looking ahead, the bank maintained its 60% real loan growth target for 2025, revised deposit growth expectations to 45%, and adjusted its ROE forecast to between 8% and 10%. The bank also expressed a willingness to explore future M&A opportunities, leveraging its strong capital position. Overall, Banco Macro emphasized a solid financial position with a focus on optimizing deposit bases and monitoring asset quality.

Loan Growth and Market Share Increase

Banco Macro's total financing reached ARS7.7 trillion, increasing 22% quarter-on-quarter and 97% year-on-year. The bank's market share over private sector loans as of March 2025 reached 9.5%.

Strong Capitalization and Liquidity

Banco Macro accounted for an excess capital of ARS3.2 trillion, representing a capital adequacy ratio of 34.3% and a Tier 1 ratio of 33.6%. Liquid assets during deposit ratio reached 68%.

Private Sector Loan Growth

Private sector loans increased 22% quarter-on-quarter and 94% year-on-year, with significant increases in personal loans (28%) and credit card loans (4%).

Improved Efficiency Ratio

The efficiency ratio reached 38.2%, improving from the 39.4% posted in the fourth quarter of 2024.

Banco Macro SA (BMA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BMA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 27, 2025	2025 (Q2)	1.84 / -	-3.867	―	―	―
May 28, 2025	2025 (Q1)	1.11 / 0.60	4.838	-87.64% (-4.24)	―
Feb 26, 2025	2024 (Q4)	1.76 / 1.50	8.534	-82.39% (-7.03)	―
Nov 27, 2024	2024 (Q3)	2.55 / 1.41	0.328	329.88% (+1.08)	―	―
Aug 22, 2024	2024 (Q2)	1.59 / -3.87	1.972	-296.10% (-5.84)	―
May 22, 2024	2024 (Q1)	2.13 / 4.84	0.792	510.86% (+4.05)	―
Feb 28, 2024	2023 (Q4)	2.02 / 8.53	0.99	762.02% (+7.54)	―
Nov 22, 2023	2023 (Q3)	1.14 / 0.33	0.724	-54.70% (-0.40)	―	―
Aug 23, 2023	2023 (Q2)	2.46 / 1.97	0.479	311.69% (+1.49)	―
May 17, 2023	2023 (Q1)	0.76 / 0.79	0.766	3.39% (+0.03)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BMA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
May 28, 2025	$88.78	$83.76	-5.65%
Feb 26, 2025	$86.96	$79.42	-8.67%
Nov 27, 2024	$81.14	$83.97	+3.49%
Aug 22, 2024	$51.93	$52.96	+1.98%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Banco Macro SA (BMA) report earnings?

Banco Macro SA (BMA) is schdueled to report earning on Aug 27, 2025, After Close (Confirmed).

What is Banco Macro SA (BMA) earnings time?

Banco Macro SA (BMA) earnings time is at Aug 27, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BMA EPS forecast?

BMA EPS forecast for the fiscal quarter 2025 (Q2) is 1.84.

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