Banco Macro has set ambitious targets for 2025, aiming for a 60% increase in loans in real terms. This surge is expected to be fueled by rising demand among businesses and households. However, alongside this expansion, the bank has revised its return on equity projections for 2025 to fall between 12% and 15%, according to Insider Monkey.
The bank's strong capital position underpins its growth plans, with a current capital adequacy ratio of 32.4% and a Tier 1 ratio of 31.6%, as reported by TipRanks. Despite the accelerated lending initiatives, Banco Macro maintains that its non-performing loans (NPL) ratio will remain under 2% by the end of 2025, even with a slight anticipated increase in NPLs.
Focusing on enhanced profitability, Banco Macro aims to grow its net interest income by 30–35% in 2025 by shifting from securities to loans, which are projected to benefit from improved net margins through operational changes. These strategies signify Banco Macro's commitment to capitalizing on its robust capital foundation while carefully managing profitability and asset quality.