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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	3,350	2,660	3,273	2,973	5,170	10,134
Investment Securities	2,298	1,873	1,254	2,466	1,260	1,704
Total Investments	2,298	1,873	1,254	2,466	1,260	1,704
Gross Loans	14,227	13,452	12,777	12,068	11,998	10,505
Allowance for Loan Losses	-5,205	-5,167	-5,025	-3,714	-492.09	-384.65
Net Loans	9,023	8,286	7,752	8,354	11,506	10,120
Property, Plant & Equipment	921.9	978.94	1,056	1,201	1,366	1,554
Other Intangible Assets	143.29	148.35	157.47	166.95	169.97	128.75
Accrued Interest Receivable	37.79	63.24	62.38	1,019	990.05	2,607
Other Receivables	-	-	-	4.88	442.37	442.37
Restricted Cash	616.18	1,054	1,119	983.83	701.26	1,765
Other Current Assets	645.18	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	39.6	54.75	69.64	68.31	35.52	43.25
Total Assets	18,775	17,446	17,020	19,587	23,660	29,586
Accrued Expenses	-	-	-	-	0.34	0.16
Interest Bearing Deposits	23,588	22,359	18,664	17,508	18,832	18,886
Non-Interest Bearing Deposits	3,688	3,315	3,786	5,098	3,251	7,293
Total Deposits	27,277	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	253.82	314.65	413.26	274.67	283.08	246.21
Other Current Liabilities	151.67	69.68	76.87	49.34	107.67	86.35
Long-Term Leases	537.2	437.7	298.56	388.55	452.65	633.69
Pension & Post-Retirement Benefits	55.42	49.7	45.01	23.05	-	-
Other Long-Term Liabilities	253.91	187.54	164.8	137.91	93.04	57.07
Total Liabilities	28,529	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	-15,144	-14,256	-10,945	-7,351	-2,862	-930.93
Comprehensive Income & Other	1,099	533.45	14.43	-985.57	-985.57	-289.69
Shareholders' Equity	-9,754	-9,433	-6,641	-4,047	442.38	2,219
Total Liabilities & Equity	18,775	17,446	17,020	19,587	23,660	29,586
Total Debt	537.2	582.36	510.71	543.15	650.11	797.67
Net Cash (Debt)	2,813	2,078	2,762	2,430	4,520	9,337
Net Cash Growth	-11.28%	-24.78%	13.67%	-46.24%	-51.59%	51.64%
Net Cash Per Share	6.56	4.84	6.44	5.66	11.32	24.67
Filing Date Shares Outstanding	430.17	428.98	428.98	428.98	428.98	343.98
Total Common Shares Outstanding	430.17	428.98	428.98	428.98	428.98	343.98
Book Value Per Share	-22.68	-21.99	-15.48	-9.43	1.03	6.45
Tangible Book Value	-9,898	-9,581	-6,798	-4,214	272.41	2,090
Tangible Book Value Per Share	-23.01	-22.33	-15.85	-9.82	0.64	6.08

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