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Banco Macro Announces Results for the Second Quarter of 2025

1. Banco Macro reported a net income of Ps.149.5 billion in 2Q25. 2. Net income increased 209% from previous quarter results. 3. Total financing rose to Ps.9.24 trillion, a 14% QoQ increase. 4. Deposits grew by 4% QoQ, totaling Ps.10.62 trillion. 5. Strong solvency ratio with a Tier 1 Ratio of 29.9%.

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Why Very Bullish?

The significant increase in net income and robust total financing signal strong operational performance. Past earnings growth often drives stock price appreciation, especially in banking sectors amid economic uncertainty.

How important is it?

The reported earnings and financial growth indicators are pivotal in assessing BMA’s future performance and stock potential. Investors are likely to prioritize such strong results in their evaluations.

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The immediate effects of earnings announcements typically influence stock prices quickly. Similar past scenarios show stocks react positively within weeks of robust earnings reports.

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BUENOS AIRES, Argentina, Aug. 27, 2025 /PRNewswire/ -- Banco Macro S.A. (NYSE:BMA, BYMA: BMA)) ("Banco Macro" or "BMA" or the "Bank") announced today its results for the second quarter ended June 30, 2025 ("2Q25").  All figures are in Argentine pesos (Ps.) and have been restated in terms of the measuring unit current at the end of the reporting period. For ease of comparison, figures of previous quarters of 2024 have been restated applying IAS 29 to reflect the accumulated effect of the inflation adjustment for each period through June 30, 2025.

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") were 12% and 3.5%, 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 and 49% 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 and 226% 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 increased 91% or Ps.4.4 trillion year over year ("YoY"). In 2Q25 both peso an USD financing increased 13% and 4% respectively.
  • In 2Q25, BANCO MACRO'S TOTAL DEPOSITS increased 4% or Ps.406.2 billion QoQ and increased 13% or Ps.1.22 trillion YoY, totaling Ps.10.62 trillion and representing 76% of the Bank's total liabilities. Private sector deposits increased 4% or Ps.414 billion QoQ. In 2Q25, Peso deposits increased 1% while USD deposits increased 2%.
  • Banco Macro continued showing a strong solvency ratio, with an EXCESS CAPITAL of Ps.3.13 trillion, 30.5% Capital Adequacy Ratio – Basel III and 29.9% Tier 1 Ratio. In addition, the Bank's LIQUID ASSETS remained at an adequate level, reaching 67% of its total deposits in 2Q25.
  • In 2Q25, the Bank's NON-PERFORMING TO TOTAL FINANCING RATIO was 2.06% and the COVERAGE RATIO reached 140.37%.
  • 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 Buenos Aires:

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

Cision 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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