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AMBL Apna Microfinance Bank Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Last close · 16 Oct 2026

Rs 19.50 +5.18%

Annual · FY2012 – FY2025

Apna Microfinance Bank Limited (AMBL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Apna Microfinance Bank Limited had total assets of Rs 20.7 bn, up 18.8% on FY2024. Shareholders' equity was -Rs 10.5 bn (Rs -24.50 per share), -50.7% of total assets.

AMBL balance sheet (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 * Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 Jan – Dec 2014 FY2013 Jan – Dec 2013 FY2012 Jan – Dec 2012
Assets
Cash & short-term investments 4.0 3.7 4.4 4.0 5.9 11.9 6.8 4.5 5.3 5.3 2.0 0.6 0.6 0.4
Investments 2.6 1.9 1.3 2.5 1.3 1.7 1.0 0.9 0.7 0.6 0.3 0.2 0.3 0.2
Loans, leases & receivables 10.6 8.2 6.6 8.4 11.5 10.1 8.8 9.2 4.8 5.5 2.6 0.8 0.3 0.1
Total assets 20.7 17.4 17.0 19.6 23.8 29.6 21.3 17.6 14.0 13.6 5.7 1.8 1.3 0.8
Liabilities
Borrowings 0.6 0.7 0.5 0.5 0.8 0.8 0.8 0.0 0.2 0.2 0.0 0.0 0.0 0.0
Total liabilities 31.2 26.9 23.7 23.6 23.3 27.4 19.5 16.1 13.0 12.8 4.6 1.2 0.8 0.5
Equity
Equity attributable to shareholders (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7 1.1 0.5 0.5 0.3
Total equity (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7 1.1 0.5 0.5 0.3
Total liabilities & equity 20.7 17.4 17.0 19.6 23.8 29.6 21.3 17.6 14.0 13.6 5.7 1.8 1.3 0.8
Key figures
Shares outstanding mn 429.0 429.0 429.0 429.0 429.0 383.8 383.8 279.0 287.7 253.2 253.2 126.6 34.5 34.5
Common equity (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7 1.1 0.5 0.5 0.3
Book value per share (Rs) Rs (24.50) (21.99) (15.48) (9.43) 1.03 5.78 4.84 5.28 3.55 2.79 4.17 4.29 14.97 8.96
AMBL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 * Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 Jan – Dec 2014 FY2013 Jan – Dec 2013 FY2012 Jan – Dec 2012
Assets
Cash & short-term investments +8.3% -15.4% +11.0% -32.6% -50.7% +74.8% +51.4% -14.4% -1.1% +165.9% +234.7% +5.1% +28.5% —
Investments +40.9% +49.4% -49.2% +95.8% -26.1% +62.9% +18.3% +34.3% +8.8% +135.0% +35.0% -34.5% +87.9% —
Loans, leases & receivables +28.9% +24.4% -21.1% -27.4% +13.7% +15.3% -4.2% +91.0% -12.5% +111.9% +237.9% +140.2% +161.9% —
Total assets +18.8% +2.5% -13.1% -17.6% -19.6% +38.7% +21.0% +26.0% +3.2% +139.0% +222.4% +33.9% +61.2% —
Liabilities
Borrowings -4.2% +27.7% -6.0% -29.1% -3.9% -0.8% +8,486.9% -95.4% -0.8% — — — — —
Total liabilities +16.2% +13.6% +0.1% +1.3% -14.7% +40.6% +20.5% +24.6% +0.9% +178.3% +279.5% +52.7% +57.6% —
Equity
Equity attributable to shareholders — — — -1,014.8% -80.1% +19.4% +26.1% +44.4% +44.3% -33.0% +94.4% +4.9% +67.1% —
Total equity — — — -1,014.8% -80.1% +19.4% +26.1% +44.4% +44.3% -33.0% +94.4% +4.9% +67.1% —
Total liabilities & equity +18.8% +2.5% -13.1% -17.6% -19.6% +38.7% +21.0% +26.0% +3.2% +139.0% +222.4% +33.9% +61.2% —
Key figures
Shares outstanding — — — — — — — — — — — — — —
Common equity — — — -1,014.8% -80.1% +19.4% +26.1% +44.4% +44.3% -33.0% +94.4% +4.9% +67.1% —
Book value per share (Rs) — — — -1,014.8% -82.2% +19.4% -8.3% +49.0% +27.0% -33.0% -2.8% -71.4% +67.1% —

Change against the previous fiscal year; shown when the earlier figure is positive.

AMBL balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 * Jan – Dec 2021 FY2020 * Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 Jan – Dec 2014 FY2013 Jan – Dec 2013 FY2012 Jan – Dec 2012
Assets
Cash & short-term investments 19.4% 21.3% 25.8% 20.2% 24.7% 40.2% 31.9% 25.5% 37.6% 39.2% 35.2% 33.9% 43.2% 54.2%
Investments 12.7% 10.7% 7.4% 12.6% 5.3% 5.8% 4.9% 5.0% 4.7% 4.5% 4.5% 10.8% 22.2% 19.0%
Loans, leases & receivables 51.0% 47.0% 38.7% 42.7% 48.4% 34.2% 41.2% 52.0% 34.3% 40.5% 45.6% 43.6% 24.3% 14.9%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Borrowings 3.0% 3.7% 3.0% 2.8% 3.2% 2.7% 3.8% 0.1% 1.4% 1.5% 0.0% 0.0% 0.0% 0.0%
Total liabilities 150.7% 154.1% 139.0% 120.7% 98.1% 92.5% 91.3% 91.6% 92.7% 94.8% 81.4% 69.2% 60.6% 62.0%
Equity
Equity attributable to shareholders (50.7%) (54.1%) (39.0%) (20.7%) 1.9% 7.5% 8.7% 8.4% 7.3% 5.2% 18.6% 30.8% 39.4% 38.0%
Total equity (50.7%) (54.1%) (39.0%) (20.7%) 1.9% 7.5% 8.7% 8.4% 7.3% 5.2% 18.6% 30.8% 39.4% 38.0%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Common equity (50.7%) (54.1%) (39.0%) (20.7%) 1.9% 7.5% 8.7% 8.4% 7.3% 5.2% 18.6% 30.8% 39.4% 38.0%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 84
AMBL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021 FY2020 Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016
Cash & Short-Term Deposits Due from Banks - Total 4.0 3.7 4.4 4.0 5.9 11.9 6.8 4.5 5.3 5.3
Funds with Central Banks 4.0 3.7 4.4 4.0 5.9 11.9 6.8 4.5 5.3 5.3
Lending & Long-Term Deposits Due from Banks — — — — — — — 0.0 — 0.0
Inter-Bank Loans & Long-Term Deposits with Other Banks — — — — — — — 0.0 — 0.0
Loans & Receivables - Total 10.6 8.2 6.6 8.4 11.5 10.1 8.8 9.2 4.8 5.5
Banking Related Loans – Net 10.6 8.2 6.6 8.4 11.5 10.1 8.8 9.2 4.8 5.5
Investments - Total 2.6 1.9 1.3 2.5 1.3 1.7 1.0 0.9 0.7 0.6
Property, Plant & Equipment - Net - Total 0.8 1.0 1.2 1.4 1.7 1.7 1.7 0.9 0.9 0.8
Other Assets - Total 2.5 2.5 3.6 3.4 3.5 4.1 3.0 2.2 2.4 1.3
Deferred Tax - Asset - Long-Term & Short-Term 1.7 1.7 1.7 1.7 1.3 0.5 0.5 0.5 0.5 0.4
Other Assets 0.8 0.8 1.9 1.7 2.2 3.6 2.5 1.7 1.9 1.0
Intangible Assets - Total - Net 0.1 0.1 — — — — — — — —
Intangible Assets - excluding Goodwill - Net - Total 0.1 0.1 — — — — — — — —
Total Assets 20.7 17.4 17.0 19.6 23.8 29.6 21.3 17.6 14.0 13.6
Deposits - Total 30.1 25.7 22.4 22.6 22.1 26.2 18.3 15.9 12.5 12.3
Debt - Total 0.6 0.7 0.5 0.5 0.8 0.8 0.8 0.0 0.2 0.2
Short-Term Debt & Current Portion of Long-Term Debt 0.5 0.5 0.2 0.0 0.0 0.0 0.0 0.0 0.2 0.2
Current Portion of Long-Term Debt including Capitalized Leases 0.4 0.4 0.2 — — — — — — —
Capitalized Leases - Current Portion 0.4 0.4 0.2 — — — — — — —
Short-Term Debt & Notes Payable 0.1 0.1 — 0.0 0.0 0.0 0.0 0.0 0.2 0.2
Debt - Long-Term - Total 0.1 0.1 0.3 0.5 0.8 0.8 0.8 0.0 — 0.0
Short-Term Banking Borrowings excluding Collateralized Financing 0.1 0.1 — 0.0 0.0 0.0 0.0 0.0 0.2 0.2
Capitalized Lease Obligations - Long-Term 0.1 0.1 0.3 0.5 0.8 0.8 0.8 — — —
Deferred Tax & Investment Tax Credits - Long-Term — — — — — — — 0.0 — 0.0
Deferred Tax - Liability - Long-Term — — — — — — — 0.0 — 0.0
Junior Subordinated Debentures & Notes Payable - Trust Account — — — — — — — 0.0 — 0.0
Other Liabilities - Total 0.6 0.6 0.7 0.5 0.5 0.4 0.3 0.3 0.2 0.3
Other Liabilities - 0.6 0.6 0.7 0.5 0.5 0.4 0.3 0.3 0.2 0.3
Total Liabilities 31.2 26.9 23.7 23.6 23.3 27.4 19.5 16.1 13.0 12.8
Shareholders' Equity - Attributable to Parent Shareholders - Total (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Common Equity Attributable to Parent Shareholders (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Common Equity - Contributed 4.3 4.3 4.3 4.3 4.3 3.4 3.4 2.5 2.5 2.2
Common Stock - Issued & Paid 4.3 4.3 4.3 4.3 4.3 3.4 3.4 2.5 2.5 2.2
Equity - Non-Contributed - Reserves & Retained Earnings (14.8) (13.7) (10.9) (8.3) (3.8) (1.2) (1.6) (1.0) (1.5) (1.5)
Retained Earnings - Total (15.9) (14.3) (10.9) (7.4) (2.9) (0.9) (0.9) (1.0) (1.0) (0.9)
Comprehensive Income - Accumulated - Total 0.1 0.0 — — — — — 0.0 (0.0) (0.0)
Investments - Unrealized Gain/Loss 0.1 0.0 — — — — — — — —
Other Reserves/Equity - Total 1.0 0.5 0.0 (1.0) (1.0) (0.3) (0.6) (0.0) (0.4) (0.6)
Common Equity - Total (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Total Shareholders' Equity - including Minority Interest & Hybrid Debt (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Total Liabilities & Equity 20.7 17.4 17.0 19.6 23.8 29.6 21.3 17.6 14.0 13.6
Revaluation Reserves — — — — — — — 0.0 (0.0) (0.0)
Common Shares - Issued - Total mn 429.0 429.0 429.0 429.0 429.0 383.8 383.8 279.0 287.7 253.2
Common Shares - Outstanding - Total mn 429.0 429.0 429.0 429.0 429.0 383.8 383.8 279.0 287.7 253.2
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 750.0 750.0 500.0 500.0 500.0 557.9 557.9 557.9 287.7 287.7
Common Shares - Issued - Issue Specific mn 429.0 429.0 429.0 429.0 429.0 383.8 383.8 279.0 287.7 253.2
Common Shares - Outstanding - Issue Specific mn 429.0 429.0 429.0 429.0 429.0 383.8 383.8 279.0 287.7 253.2
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 0.3 0.4 0.4 0.5 0.7 0.7 0.8 — — —
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 0.3 0.4 0.4 0.5 0.7 0.7 0.8 — — —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 0.5 0.6 0.8 0.9 1.0 1.0 0.9 — — —
Finance and Operating Lease Liabilities - Total - Supplemental 0.5 0.6 0.5 0.5 0.8 0.8 0.8 — — —
Debt including Finance and Operating Lease Liabilities - Supplemental 0.6 0.7 0.5 0.5 0.8 0.8 0.8 0.0 0.2 0.2
Net Debt (3.4) (3.1) (3.9) (3.4) (5.1) (11.1) (6.0) (4.5) (5.0) (5.1)
Cash & Cash Equivalents - Total 4.0 3.7 4.4 4.0 5.9 11.9 6.8 4.5 5.3 5.3
Cash & Securities 6.7 5.6 5.6 6.4 7.1 13.6 7.9 5.4 5.9 5.9
Cash & Short Term Investments - Total 4.0 3.7 4.4 4.0 5.9 11.9 6.8 4.5 5.3 5.3
Debt - including Preferred Equity & Minority Interest - Total 0.6 0.7 0.5 0.5 0.8 0.8 0.8 0.0 0.2 0.2
Earning Assets 17.2 13.8 12.2 14.8 18.6 23.7 16.6 14.5 10.7 11.4
Invested Assets - Total 2.6 1.9 1.3 2.5 1.3 1.7 1.0 0.9 0.7 0.6
Net Book Capital (13.9) (12.5) (10.5) (7.5) (4.7) (8.9) (4.1) (3.0) (4.0) (4.4)
Net Operating Assets (13.9) (12.5) (10.5) (7.5) (4.7) (8.9) (4.1) (3.0) (4.0) (4.4)
Provisions - Total — — — — — — — 0.0 — 0.0
Shareholders Equity - Common (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Tangible Total Equity (10.6) (9.6) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Tangible Book Value (10.6) (9.6) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Total Book Capital (9.9) (8.8) (6.1) (3.5) 1.2 3.0 2.7 1.5 1.2 0.9
Total Capital (9.9) (8.8) (6.1) (3.5) 1.2 3.0 2.7 1.5 1.2 0.9
Total Long Term Capital (10.5) (9.4) (6.6) (4.0) 0.4 2.2 1.9 1.5 1.0 0.7
Book Value excluding Other Equity (11.5) (9.9) (6.7) (3.1) 1.4 2.5 2.5 1.5 1.5 1.3
Cash & Short Term Investments - Net of Debt 3.4 3.1 3.9 3.4 5.1 11.1 6.0 4.5 5.0 5.1
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 0.4 0.4 0.2 — — — — — — —
Interest Bearing Liabilities - Total 30.7 26.3 23.0 23.1 22.9 27.0 19.1 15.9 12.7 12.6
Net Debt Including Preferred Equity & Minority Interest (3.4) (3.1) (3.9) (3.4) (5.1) (11.1) (6.0) (4.5) (5.0) (5.1)
Other Short-Term & Long-Term Assets - Total 2.5 2.5 3.6 3.4 3.5 4.1 3.0 2.2 2.4 1.3
Other Short-Term & Long-Term Liabilities - Total 0.6 0.6 0.7 0.5 0.5 0.4 0.3 0.3 0.2 0.3
Tangible Book Value excluding Other Equity (11.7) (10.1) (6.7) (3.1) 1.4 2.5 2.5 1.5 1.5 1.3
Total Debt Excluding Islamic 0.6 0.7 0.5 0.5 0.8 0.8 0.8 0.0 0.2 0.2
Total Available Funds 19.6 16.2 15.8 18.6 22.5 28.4 20.2 17.3 13.5 13.1
Loans - Gross – Total 10.6 8.2 6.6 8.4 11.5 10.1 8.8 9.2 4.8 5.5
Deposits - Net 30.1 25.7 22.4 22.6 22.1 26.2 18.3 15.9 12.5 12.3
Loans - Net - Total 10.6 8.2 6.6 8.4 11.5 10.1 8.8 9.2 4.8 5.5

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.