Apna Microfinance Bank Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	4,021	2,660	3,273	2,973	5,170
Investment Securities	2,640	1,873	1,254	2,466	1,260
Total Investments	2,640	1,873	1,254	2,466	1,260
Gross Loans	10,566	13,452	12,777	12,068	11,998
Allowance for Loan Losses	-	-5,167	-5,025	-3,714	-492.09
Net Loans	10,566	8,286	7,752	8,354	11,506
Property, Plant & Equipment	834.45	978.94	1,056	1,201	1,366
Other Intangible Assets	138.23	148.35	157.47	166.95	169.97
Accrued Interest Receivable	-	63.24	62.38	1,019	990.05
Other Receivables	-	-	-	4.88	442.37
Restricted Cash	-	1,054	1,119	983.83	701.26
Other Current Assets	-	627.29	577.35	650.51	736.4
Long-Term Deferred Tax Assets	1,700	1,700	1,700	1,700	1,283
Other Long-Term Assets	830.3	54.75	69.64	68.31	35.52
Total Assets	20,730	17,446	17,020	19,587	23,660
Accrued Expenses	-	-	-	-	0.34
Interest Bearing Deposits	30,060	22,359	18,664	17,508	18,832
Non-Interest Bearing Deposits	-	3,315	3,786	5,098	3,251
Total Deposits	30,060	25,674	22,450	22,606	22,084
Short-Term Borrowings	-	-	-	-	0.47
Current Portion of Leases	-	144.66	212.15	154.6	196.99
Accrued Interest Payable	-	314.65	413.26	274.67	283.08
Other Current Liabilities	141.94	69.68	76.87	49.34	107.67
Long-Term Leases	482.62	437.7	298.56	388.55	452.65
Pension & Post-Retirement Benefits	-	49.7	45.01	23.05	-
Other Long-Term Liabilities	555.13	187.54	164.8	137.91	93.04
Total Liabilities	31,240	26,878	23,660	23,634	23,218
Common Stock	4,290	4,290	4,290	4,290	4,290
Retained Earnings	-15,904	-14,256	-10,945	-7,351	-2,862
Comprehensive Income & Other	1,105	533.45	14.43	-985.57	-985.57
Shareholders' Equity	-10,509	-9,433	-6,641	-4,047	442.38
Total Liabilities & Equity	20,730	17,446	17,020	19,587	23,660
Total Debt	482.62	582.36	510.71	543.15	650.11
Net Cash (Debt)	3,539	2,078	2,762	2,430	4,520
Net Cash Growth	70.31%	-24.78%	13.67%	-46.24%	-51.59%
Net Cash Per Share	8.24	4.84	6.44	5.66	11.32
Filing Date Shares Outstanding	429.79	428.98	428.98	428.98	428.98
Total Common Shares Outstanding	429.79	428.98	428.98	428.98	428.98
Book Value Per Share	-24.45	-21.99	-15.48	-9.43	1.03
Tangible Book Value	-10,647	-9,581	-6,798	-4,214	272.41
Tangible Book Value Per Share	-24.77	-22.33	-15.85	-9.82	0.64

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