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Macro Bank's Revenue Plunge: Unpacking the 50% Drop Amid Industry Turmoil and Competitive Challenges

Earnings AnalystTuesday, Apr 22, 2025 1:04 am ET

1min read

BMA --

Financial Report Performance

Macro Bank (BMA) faces a significant decline in total operating revenue in 2024, from USD351.414 billion in 2023 to USD173.572 billion, a YoY decrease of 50.59%. This change reflects the major challenges the company has encountered in its operating revenue, possibly affected by various market factors.

Key Financial Data

1. BMA's total operating revenue decreased from USD351.414 billion in 2023 to USD173.572 billion in 2024, a decrease of over 50%.

2. Factors that may affect revenue include changes in market environment, intensified competition, business adjustments, customer loss, and regulatory policy changes.

3. The entire financial industry also faces challenges, with many institutions' operating revenues generally decreasing, especially in the context of rising interest rates and weak customer demand.

Peer Comparison

1. Industry-wide analysis: In 2024, the financial industry as a whole faces numerous challenges, with many financial institutions' operating revenues generally decreasing by 30%-50%, indicating industry-wide pressure.

2. Peer evaluation analysis: Compared to peers, BMA's operating revenue decrease is larger, possibly putting it at a disadvantage in the competition. If other competitors' revenue decreases are less than 50%, BMA's market performance is relatively weaker, and it may need to take measures to restore its market share and revenue level.

Summary

Based on the above analysis, Macro Bank's significant decline in operating revenue reflects the major challenges it faces in the competition. The unfavorable economic environment of the industry and the company's internal adjustments may be the main factors leading to this change.

Opportunities

1. BMA can attract more customers and increase revenue by optimizing its business structure and product line.

2. In the context of industry-wide challenges, BMA can find a unique market positioning to gain a competitive advantage.

3. Developing new markets can provide BMA with new sources of revenue.

Risks

1. The potential risks of small and medium-sized banks may affect market stability, in turn affecting BMA's operations.

2. Uncertainty in the real estate market may affect credit policies and asset quality, further affecting bank revenue.

3. Geopolitical conflicts may lead to market instability, affecting investment confidence and consumer capacity.

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