Apna Microfinance Bank Limited (PSX:AMBL)

Apna Microfinance Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	2,428	3,265	2,660	3,273	2,973	5,170
Investment Securities	2,719	2,640	1,873	1,254	2,466	1,260
Total Investments	2,719	2,640	1,873	1,254	2,466	1,260
Gross Loans	16,516	15,913	13,452	12,777	12,068	11,998
Allowance for Loan Losses	-5,291	-5,252	-5,167	-5,025	-3,714	-492.09
Net Loans	11,226	10,661	8,286	7,752	8,354	11,506
Property, Plant & Equipment	1,041	834.45	978.94	1,056	1,201	1,366
Other Intangible Assets	133.17	138.23	148.35	157.47	166.95	169.97
Accrued Interest Receivable	37.45	39.36	63.24	62.38	1,019	990.05
Other Receivables	-	-	-	-	4.88	442.37
Restricted Cash	748.07	756.33	1,054	1,119	983.83	701.26
Other Current Assets	699.25	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	16.64	50.87	54.75	69.64	68.31	35.52
Total Assets	20,748	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	-	-	-	-	0.34
Interest Bearing Deposits	26,845	26,669	22,359	18,664	17,508	18,832
Non-Interest Bearing Deposits	3,760	3,391	3,315	3,786	5,098	3,251
Total Deposits	30,605	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	295.1	278.34	314.65	413.26	274.67	283.08
Other Current Liabilities	100.65	141.94	69.68	76.87	49.34	107.67
Long-Term Leases	710.71	393.26	437.7	298.56	388.55	452.65
Pension & Post-Retirement Benefits	66.11	55.67	49.7	45.01	23.05	-
Other Long-Term Liabilities	244.54	221.13	187.54	164.8	137.91	93.04
Total Liabilities	32,022	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	4,290	4,290	4,290	4,290	4,290	4,290
Retained Earnings	-16,578	-15,904	-14,256	-10,945	-7,351	-2,862
Comprehensive Income & Other	1,014	1,105	533.45	14.43	-985.57	-985.57
Shareholders' Equity	-11,274	-10,509	-9,433	-6,641	-4,047	442.38
Total Liabilities & Equity	20,748	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	710.71	482.62	582.36	510.71	543.15	650.11
Net Cash (Debt)	1,717	2,782	2,078	2,762	2,430	4,520
Net Cash Growth	-38.97%	33.91%	-24.78%	13.67%	-46.24%	-51.59%
Net Cash Per Share	4.00	6.49	4.84	6.44	5.66	11.32
Filing Date Shares Outstanding	429.03	428.98	428.98	428.98	428.98	428.98
Total Common Shares Outstanding	429.03	428.98	428.98	428.98	428.98	428.98
Book Value Per Share	-26.28	-24.50	-21.99	-15.48	-9.43	1.03
Tangible Book Value	-11,407	-10,647	-9,581	-6,798	-4,214	272.41
Tangible Book Value Per Share	-26.59	-24.82	-22.33	-15.85	-9.82	0.64

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 9, 2026

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