Apna Microfinance Bank Limited (PSX:AMBL)

Apna Microfinance Bank Cash Flow Statement

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
Net Income	-2,159	-3,100	-3,594	-4,489	-1,931	12.74
Depreciation & Amortization	241.21	275.34	337.71	269.3	292.33	282.44
Other Amortization	9.87	9.13	9.48	8.58	7.01	9.71
Gain (Loss) on Sale of Assets	-5.61	-4.15	-3.91	-0.4	-4.63	-0.15
Total Asset Writedown	11.98	11.98	-	-	-	-
Provision for Credit Losses	-73.27	-29	1,312	3,536	107.43	91.99
Change in Trading Asset Securities	-	-	-	-	-	52
Change in Other Net Operating Assets	-1,357	-745.19	597.97	116.48	100.75	-2,446
Other Operating Activities	135.67	36.75	-22.35	-402.61	-825.22	-92.93
Operating Cash Flow	-3,184	-3,545	-1,363	-962.25	-2,253	-2,090
Capital Expenditures	-10.45	-6.77	-4.81	-36.8	-69.59	-68.57
Sale of Property, Plant and Equipment	9.17	10.15	3.02	2.81	23.25	0.15
Investment in Securities	-397.71	-600.7	1,212	-1,206	444.16	-710.11
Purchase / Sale of Intangibles	-	-	-	-	-48.23	-101.65
Other Investing Activities	-313.41	-259.93	-256.25	-233.83	-180.68	-145.12
Investing Cash Flow	-712.39	-857.26	954.45	-1,474	168.91	-1,025
Short-Term Debt Repaid	-	-	-	-0.47	-2.99	-3.13
Total Debt Repaid	-	-	-	-0.47	-2.99	-3.13
Net Debt Issued (Repaid)	-	-	-	-0.47	-2.99	-3.13
Issuance of Common Stock	630	500	1,000	-	154.18	350
Net Increase (Decrease) in Deposit Accounts	3,458	3,225	-156.58	522.63	-4,095	7,862
Financing Cash Flow	4,088	3,725	843.42	522.15	-3,944	8,209
Net Cash Flow	191.83	-677.76	434.54	-1,914	-6,028	5,094
Free Cash Flow	-3,194	-3,552	-1,368	-999.05	-2,323	-2,158
Free Cash Flow Margin	-	-	-	-	-	-108.14%
Free Cash Flow Per Share	-7.45	-8.28	-3.19	-2.33	-5.82	-5.70
Cash Interest Paid	-	-	-	5.88	4.37	2.37
Cash Income Tax Paid	63.01	122.57	109.3	74.73	113.03	101.28

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