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Jun 30, 2025
Banco Macro Q2 2025 Earnings Report
Banco Macro reported strong Q2 2025 results driven by net interest income and improved efficiency.
Key Takeaways
Banco Macro posted a solid quarter with net income reaching $154 million and EPS of $1.95. Strong net interest income and cost control contributed to profitability, while asset quality remained stable despite higher loan provisions.
EPS reached $1.95 per ADS, a strong improvement from last quarter.
Net income rose to $154 million, driven by higher net interest income and FX gains.
Revenue came in at approximately $696 million, reflecting solid core banking activity.
Operating income totaled around $448.8 million after expenses, reflecting strong efficiency gains.
Revenue by Geographic Location
Forward Guidance
No formal guidance was issued, but management highlighted strong capital and liquidity to support future growth.
Positive Outlook
- Robust capital position with 273% excess capital.
- Sustained growth in net interest income and margins.
- Solid increase in private sector deposits and loans.
- Improved operational efficiency and cost control.
- Expansion in credit activity despite economic uncertainty.
Challenges Ahead
- Higher provisions for loan losses due to portfolio growth.
- Non-performing loans rose to 2.06%, driven by retail segment.
- Decline in other operating income and mutual fund fees.
- FX income remains volatile with currency fluctuations.
- Operating environment remains sensitive to inflation trends.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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