Apna Microfinance Bank Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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
Net Income	-1,531	-1,648	-3,100	-3,594	-4,489	-1,931
Depreciation & Amortization	227.23	223.8	284.47	337.71	269.3	292.33
Other Amortization	-	-	-	9.48	8.58	7.01
Gain (Loss) on Sale of Assets	-0.91	-5.57	-4.15	-3.91	-0.4	-4.63
Total Asset Writedown	-	-	11.98	-	-	-
Provision for Credit Losses	84.38	85.22	-29	1,312	3,536	107.43
Change in Other Net Operating Assets	-2,463	-2,333	-745.19	597.97	116.48	100.75
Other Operating Activities	32.28	26.01	36.75	-22.35	-402.61	-825.22
Operating Cash Flow	-3,651	-3,652	-3,545	-1,363	-962.25	-2,253
Capital Expenditures	-0.4	-2.03	-6.77	-4.81	-36.8	-69.59
Sale of Property, Plant and Equipment	2.38	9.35	10.15	3.02	2.81	23.25
Investment in Securities	-715.83	-695.03	-600.7	1,212	-1,206	444.16
Purchase / Sale of Intangibles	-	-	-	-	-	-48.23
Other Investing Activities	-259.9	-238.38	-259.93	-256.25	-233.83	-180.68
Investing Cash Flow	-973.75	-926.1	-857.26	954.45	-1,474	168.91
Short-Term Debt Repaid	-	-	-	-	-0.47	-2.99
Total Debt Repaid	-	-	-	-	-0.47	-2.99
Net Debt Issued (Repaid)	-	-	-	-	-0.47	-2.99
Issuance of Common Stock	-	500	500	1,000	-	154.18
Net Increase (Decrease) in Deposit Accounts	5,262	4,385	3,225	-156.58	522.63	-4,095
Financing Cash Flow	5,262	4,885	3,725	843.42	522.15	-3,944
Net Cash Flow	637.67	307.3	-677.76	434.54	-1,914	-6,028
Free Cash Flow	-3,651	-3,654	-3,552	-1,368	-999.05	-2,323
Free Cash Flow Margin	-659.66%	-881.84%	-	-	-	-
Free Cash Flow Per Share	-8.51	-8.52	-8.28	-3.19	-2.33	-5.82
Cash Interest Paid	-	-	-	-	5.88	4.37
Cash Income Tax Paid	-	-	-	109.3	74.73	113.03