Apna Microfinance Bank Limited (PSX:AMBL)
Pakistan · Delayed Price · Currency is PKR 19.51
+0.23 (1.19%)
At close: Nov 6, 2026
Apna Microfinance Bank Balance Sheet
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 3,262 | 3,265 | 2,660 | 3,273 | 2,973 | 5,170 |
Investment Securities | 2,771 | 2,640 | 1,873 | 1,254 | 2,466 | 1,260 |
Total Investments | 2,771 | 2,640 | 1,873 | 1,254 | 2,466 | 1,260 |
Gross Loans | 11,025 | 15,913 | 13,452 | 12,777 | 12,068 | 11,998 |
Allowance for Loan Losses | - | -5,252 | -5,167 | -5,025 | -3,714 | -492.09 |
Net Loans | 11,025 | 10,661 | 8,286 | 7,752 | 8,354 | 11,506 |
Property, Plant & Equipment | 1,075 | 834.45 | 978.94 | 1,056 | 1,201 | 1,366 |
Other Intangible Assets | 130.64 | 138.23 | 148.35 | 157.47 | 166.95 | 169.97 |
Accrued Interest Receivable | - | 39.36 | 63.24 | 62.38 | 1,019 | 990.05 |
Other Receivables | - | - | - | - | 4.88 | 442.37 |
Restricted Cash | - | 756.33 | 1,054 | 1,119 | 983.83 | 701.26 |
Other Current Assets | - | 644.75 | 627.29 | 577.35 | 650.51 | 736.4 |
Long-Term Deferred Tax Assets | 1,700 | 1,700 | 1,700 | 1,700 | 1,700 | 1,283 |
Other Long-Term Assets | 794.12 | 50.87 | 54.75 | 69.64 | 68.31 | 35.52 |
Total Assets | 20,758 | 20,730 | 17,446 | 17,020 | 19,587 | 23,660 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Accrued Expenses | - | - | - | - | - | 0.34 |
Interest Bearing Deposits | 30,949 | 26,669 | 22,359 | 18,664 | 17,508 | 18,832 |
Non-Interest Bearing Deposits | - | 3,391 | 3,315 | 3,786 | 5,098 | 3,251 |
Total Deposits | 30,949 | 30,060 | 25,674 | 22,450 | 22,606 | 22,084 |
Short-Term Borrowings | - | - | - | - | - | 0.47 |
Current Portion of Leases | - | 89.35 | 144.66 | 212.15 | 154.6 | 196.99 |
Accrued Interest Payable | - | 278.34 | 314.65 | 413.26 | 274.67 | 283.08 |
Other Current Liabilities | 85.08 | 141.94 | 69.68 | 76.87 | 49.34 | 107.67 |
Long-Term Leases | 770.42 | 393.26 | 437.7 | 298.56 | 388.55 | 452.65 |
Pension & Post-Retirement Benefits | - | 55.67 | 49.7 | 45.01 | 23.05 | - |
Other Long-Term Liabilities | 616.76 | 221.13 | 187.54 | 164.8 | 137.91 | 93.04 |
Total Liabilities | 32,421 | 31,240 | 26,878 | 23,660 | 23,634 | 23,218 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Common Stock | 5,450 | 4,290 | 4,290 | 4,290 | 4,290 | 4,290 |
Retained Earnings | -16,967 | -15,904 | -14,256 | -10,945 | -7,351 | -2,862 |
Comprehensive Income & Other | -146.13 | 1,105 | 533.45 | 14.43 | -985.57 | -985.57 |
Shareholders' Equity | -11,662 | -10,509 | -9,433 | -6,641 | -4,047 | 442.38 |
Total Liabilities & Equity | 20,758 | 20,730 | 17,446 | 17,020 | 19,587 | 23,660 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Total Debt | 770.42 | 482.62 | 582.36 | 510.71 | 543.15 | 650.11 |
Net Cash (Debt) | 2,492 | 2,782 | 2,078 | 2,762 | 2,430 | 4,520 |
Net Cash Growth | -8.05% | 33.91% | -24.78% | 13.67% | -46.24% | -51.59% |
Net Cash Per Share | 4.82 | 6.49 | 4.84 | 6.44 | 5.66 | 11.32 |
Filing Date Shares Outstanding | 547.66 | 428.98 | 428.98 | 428.98 | 428.98 | 428.98 |
Total Common Shares Outstanding | 547.66 | 428.98 | 428.98 | 428.98 | 428.98 | 428.98 |
Book Value Per Share | -21.29 | -24.50 | -21.99 | -15.48 | -9.43 | 1.03 |
Tangible Book Value | -11,793 | -10,647 | -9,581 | -6,798 | -4,214 | 272.41 |
Tangible Book Value Per Share | -21.53 | -24.82 | -22.33 | -15.85 | -9.82 | 0.64 |