Apna Microfinance Bank Limited (PSX: AMBL)

Apna Microfinance Bank Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	2,915	2,527	2,266	908.38	3,418	2,900
Interest Paid on Deposits	3,826	2,731	1,600	1,459	1,472	1,209
Net Interest Income	-910.6	-204.21	665.8	-550.63	1,947	1,691
Net Interest Income Growth (YoY)	-	-	-	-	15.14%	24.59%
Gain (Loss) on Sale of Assets	1.63	1.63	0.4	4.63	0.15	0.17
Other Non-Interest Income	264.2	210.44	170.15	157.64	119.41	162.16
Total Non-Interest Income	265.84	212.07	170.55	162.27	119.56	162.33
Non-Interest Income Growth (YoY)	29.23%	24.34%	5.10%	35.72%	-26.35%	-41.25%
Revenues Before Loan Losses	-644.77	7.86	836.36	-388.36	2,066	1,853
Provision for Loan Losses	156.14	1,305	3,479	85.68	70.4	292.88
Revenue	-800.91	-1,297	-2,642	-474.04	1,996	1,560
Revenue Growth (YoY)	-	-	-	-	27.93%	0.93%
Selling, General & Administrative	2,277	2,261	2,232	2,168	2,021	1,795
Other Non-Interest Expense	7.14	1.73	1.27	1.38	8.88	3.12
Total Non-Interest Expense	2,284	2,263	2,234	2,169	2,030	1,798
EBT Excluding Unusual Items	-3,085	-3,560	-4,876	-2,643	-34.17	-237.58
Pretax Income	-3,085	-3,560	-4,876	-2,643	23.39	89.34
Income Tax Expense	33.51	33.51	-386.62	-712.12	10.65	35.82
Net Income	-3,118	-3,594	-4,489	-1,931	12.74	53.53
Net Income to Common	-3,118	-3,594	-4,489	-1,931	12.74	53.53
Net Income Growth	-	-	-	-	-76.19%	0.49%
Basic Shares Outstanding	429	429	429	399	378	316
Diluted Shares Outstanding	429	429	429	399	378	316
Shares Change (YoY)	0.02%	-	7.48%	5.47%	19.87%	-8.23%
EPS (Basic)	-7.27	-8.38	-10.47	-4.84	0.03	0.17
EPS (Diluted)	-7.27	-8.38	-10.47	-4.84	0.03	0.17
EPS Growth	-	-	-	-	-80.14%	13.04%
Effective Tax Rate	-	-	-	-	45.53%	40.09%

Source: S&P Capital IQ. Banks template. Financial Sources.