Apna Microfinance Bank Limited (PSX:AMBL)

Apna Microfinance Bank Income Statement

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	3,152	2,809	2,527	2,266	908.38
Interest Paid on Deposits	3,006	3,994	2,731	1,600	1,459
Net Interest Income	145.8	-1,186	-204.21	665.8	-550.63
Gain (Loss) on Sale of Assets	-	4.15	1.63	0.4	4.63
Other Non-Interest Income	346.33	283.67	210.44	170.15	157.64
Total Non-Interest Income	346.33	287.82	212.07	170.55	162.27
Non-Interest Income Growth (YoY)	20.33%	35.72%	24.34%	5.10%	35.72%
Revenues Before Loan Losses	492.13	-897.84	7.86	836.36	-388.36
Provision for Loan Losses	77.76	-35.37	1,305	3,479	85.68
Revenue	414.37	-862.46	-1,297	-2,642	-474.04
Selling, General & Administrative	-	63.36	60.37	2,232	2,168
Other Non-Interest Expense	2,062	2,162	2,236	1.27	1.38
Total Non-Interest Expense	2,062	2,226	2,297	2,234	2,169
EBT Excluding Unusual Items	-1,648	-3,088	-3,594	-4,876	-2,643
Asset Writedown	-	-11.98	-	-	-
Pretax Income	-1,648	-3,100	-3,594	-4,876	-2,643
Income Tax Expense	-	-	-	-386.62	-712.12
Net Income	-1,648	-3,100	-3,594	-4,489	-1,931
Net Income to Common	-1,648	-3,100	-3,594	-4,489	-1,931
Basic Shares Outstanding	429	429	429	429	399
Diluted Shares Outstanding	429	429	429	429	399
Shares Change (YoY)	0.05%	-	-	7.48%	5.47%
EPS (Basic)	-3.84	-7.23	-8.38	-10.47	-4.84
EPS (Diluted)	-3.84	-7.23	-8.38	-10.47	-4.84

Source: S&P Global Market Intelligence. Banks template. Financial Sources.