Apna Microfinance Bank Limited (PSX:AMBL)

Apna Microfinance Bank Balance Sheet

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
Cash & Equivalents	3,215	2,660	3,273	2,973	5,170	10,134
Investment Securities	2,396	1,873	1,254	2,466	1,260	1,704
Total Investments	2,396	1,873	1,254	2,466	1,260	1,704
Gross Loans	14,858	13,452	12,777	12,068	11,998	10,505
Allowance for Loan Losses	-5,230	-5,167	-5,025	-3,714	-492.09	-384.65
Net Loans	9,628	8,286	7,752	8,354	11,506	10,120
Property, Plant & Equipment	876.11	978.94	1,056	1,201	1,366	1,554
Other Intangible Assets	140.76	148.35	157.47	166.95	169.97	128.75
Accrued Interest Receivable	45.33	63.24	62.38	1,019	990.05	2,607
Other Receivables	-	-	-	4.88	442.37	442.37
Restricted Cash	691.59	1,054	1,119	983.83	701.26	1,765
Other Current Assets	631.9	627.29	577.35	650.51	736.4	540.91
Long-Term Deferred Tax Assets	1,700	1,700	1,700	1,700	1,283	546.09
Other Long-Term Assets	3.68	54.75	69.64	68.31	35.52	43.25
Total Assets	19,329	17,446	17,020	19,587	23,660	29,586
Accrued Expenses	-	-	-	-	0.34	0.16
Interest Bearing Deposits	24,867	22,359	18,664	17,508	18,832	18,886
Non-Interest Bearing Deposits	3,482	3,315	3,786	5,098	3,251	7,293
Total Deposits	28,349	25,674	22,450	22,606	22,084	26,179
Short-Term Borrowings	-	-	-	-	0.47	3.47
Current Portion of Leases	-	144.66	212.15	154.6	196.99	160.51
Accrued Interest Payable	233.3	314.65	413.26	274.67	283.08	246.21
Other Current Liabilities	66.65	69.68	76.87	49.34	107.67	86.35
Long-Term Leases	504.88	437.7	298.56	388.55	452.65	633.69
Pension & Post-Retirement Benefits	57.17	49.7	45.01	23.05	-	-
Other Long-Term Liabilities	273.98	187.54	164.8	137.91	93.04	57.07
Total Liabilities	29,485	26,878	23,660	23,634	23,218	27,366
Common Stock	4,290	4,290	4,290	4,290	4,290	3,440
Retained Earnings	-15,602	-14,256	-10,945	-7,351	-2,862	-930.93
Comprehensive Income & Other	1,155	533.45	14.43	-985.57	-985.57	-289.69
Shareholders' Equity	-10,156	-9,433	-6,641	-4,047	442.38	2,219
Total Liabilities & Equity	19,329	17,446	17,020	19,587	23,660	29,586
Total Debt	504.88	582.36	510.71	543.15	650.11	797.67
Net Cash (Debt)	2,710	2,078	2,762	2,430	4,520	9,337
Net Cash Growth	15.66%	-24.78%	13.67%	-46.24%	-51.59%	51.64%
Net Cash Per Share	6.32	4.84	6.44	5.66	11.32	24.67
Filing Date Shares Outstanding	428.84	428.98	428.98	428.98	428.98	343.98
Total Common Shares Outstanding	428.84	428.98	428.98	428.98	428.98	343.98
Book Value Per Share	-23.68	-21.99	-15.48	-9.43	1.03	6.45
Tangible Book Value	-10,297	-9,581	-6,798	-4,214	272.41	2,090
Tangible Book Value Per Share	-24.01	-22.33	-15.85	-9.82	0.64	6.08

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