Apna Microfinance Bank Limited (PSX:AMBL)

Apna Microfinance Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,745	2,809	2,527	2,266	908.38	3,418
Interest Paid on Deposits	3,226	3,994	2,731	1,600	1,459	1,472
Net Interest Income	-481.28	-1,186	-204.21	665.8	-550.63	1,947
Net Interest Income Growth (YoY)	-	-	-	-	-	15.14%
Gain (Loss) on Sale of Assets	5.61	4.15	1.63	0.4	4.63	0.15
Other Non-Interest Income	334.55	283.67	210.44	170.15	157.64	119.41
Total Non-Interest Income	340.16	287.82	212.07	170.55	162.27	119.56
Non-Interest Income Growth (YoY)	27.96%	35.72%	24.34%	5.10%	35.72%	-26.35%
Revenues Before Loan Losses	-141.12	-897.84	7.86	836.36	-388.36	2,066
Provision for Loan Losses	-80.22	-35.37	1,305	3,479	85.68	70.4
Revenue	-60.9	-862.46	-1,297	-2,642	-474.04	1,996
Revenue Growth (YoY)	-	-	-	-	-	27.93%
Selling, General & Administrative	56.2	63.36	60.37	2,232	2,168	2,021
Other Non-Interest Expense	2,030	2,162	2,236	1.27	1.38	8.88
Total Non-Interest Expense	2,086	2,226	2,297	2,234	2,169	2,030
EBT Excluding Unusual Items	-2,147	-3,088	-3,594	-4,876	-2,643	-34.17
Asset Writedown	-11.98	-11.98	-	-	-	-
Pretax Income	-2,159	-3,100	-3,594	-4,876	-2,643	23.39
Income Tax Expense	-	-	-	-386.62	-712.12	10.65
Net Income	-2,159	-3,100	-3,594	-4,489	-1,931	12.74
Net Income to Common	-2,159	-3,100	-3,594	-4,489	-1,931	12.74
Net Income Growth	-	-	-	-	-	-76.19%
Basic Shares Outstanding	429	429	429	429	399	378
Diluted Shares Outstanding	429	429	429	429	399	378
Shares Change (YoY)	-0.01%	-	-	7.48%	5.47%	19.87%
EPS (Basic)	-5.03	-7.23	-8.38	-10.47	-4.84	0.03
EPS (Diluted)	-5.03	-7.23	-8.38	-10.47	-4.84	0.03
EPS Growth	-	-	-	-	-	-80.14%
Effective Tax Rate	-	-	-	-	-	45.53%

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