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AMBL Apna Microfinance Bank Limited

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

Watch AMBL · free results alerts

Last close · 16 Oct 2026

Rs 19.50 +5.18%

Quarterly · Q3 FY2021 – Q2 FY2026

Apna Microfinance Bank Limited (AMBL) quarterly balance sheet

At the end of Q2 FY2026 (Apr – Jun 2026) Apna Microfinance Bank Limited had total assets of Rs 20.7 bn, up 10.5% on Q2 FY2025. Shareholders' equity was -Rs 11.3 bn (Rs -26.28 per share), -54.3% of total assets.

AMBL balance sheet (quarterly) (Rs bn)
Rs bn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Assets
Cash & short-term investments 3.2 2.7 4.0 3.9 4.0 2.1 3.7 3.7
Investments 2.7 2.7 2.6 2.4 2.3 1.9 1.9 1.9
Loans, leases & receivables 11.2 11.0 10.6 9.5 8.9 8.5 8.2 7.0
Total assets 20.7 20.2 20.7 19.3 18.8 16.1 17.4 17.3
Liabilities
Borrowings 0.8 0.8 0.6 0.6 0.7 0.6 0.7 0.3
Total liabilities 32.0 31.0 31.2 29.5 28.5 25.5 26.9 25.8
Equity
Equity attributable to shareholders (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Total equity (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Total liabilities & equity 20.7 20.2 20.7 19.3 18.8 16.1 17.4 17.3
Key figures
Shares outstanding mn 429.0 429.0 429.0 429.0 429.0 429.0 429.0 429.0
Common equity (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Book value per share (Rs) Rs (26.28) (25.29) (24.50) (23.68) (22.74) (21.89) (21.99) (19.95)
AMBL balance sheet — year-on-year change (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Assets
Cash & short-term investments -19.9% +30.5% +8.3% +5.2% -10.5% -49.9% -15.4% +67.7%
Investments +18.4% +40.9% +40.9% +29.0% +33.0% +12.4% +49.4% +39.1%
Loans, leases & receivables +24.8% +29.6% +28.9% +37.0% +34.6% +32.0% +24.4% +3.6%
Total assets +10.5% +25.0% +18.8% +11.8% +7.1% -5.3% +2.5% +15.8%
Liabilities
Borrowings +17.8% +21.3% -4.2% +63.5% +99.9% +40.8% +27.7% -13.3%
Total liabilities +12.2% +21.6% +16.2% +14.1% +10.9% +4.3% +13.6% +18.9%
Equity
Equity attributable to shareholders — — — — — — — —
Total equity — — — — — — — —
Total liabilities & equity +10.5% +25.0% +18.8% +11.8% +7.1% -5.3% +2.5% +15.8%
Key figures
Shares outstanding — — — — — — — —
Common equity — — — — — — — —
Book value per share (Rs) — — — — — — — —

Change against the same quarter a year earlier; shown when the earlier figure is positive.

AMBL balance sheet — common size (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Assets
Cash & short-term investments 15.3% 13.5% 19.4% 20.2% 21.1% 13.0% 21.3% 21.5%
Investments 13.1% 13.4% 12.7% 12.4% 12.2% 11.9% 10.7% 10.7%
Loans, leases & receivables 53.7% 54.5% 51.0% 49.4% 47.6% 52.6% 47.0% 40.3%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Borrowings 3.9% 3.9% 3.0% 3.0% 3.7% 4.0% 3.7% 2.0%
Total liabilities 154.3% 153.8% 150.7% 152.5% 152.0% 158.2% 154.1% 149.5%
Equity
Equity attributable to shareholders (54.3%) (53.8%) (50.7%) (52.5%) (52.0%) (58.2%) (54.1%) (49.5%)
Total equity (54.3%) (53.8%) (50.7%) (52.5%) (52.0%) (58.2%) (54.1%) (49.5%)
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Common equity (54.3%) (53.8%) (50.7%) (52.5%) (52.0%) (58.2%) (54.1%) (49.5%)

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. Updated 16 Oct 2026.

All reported line items 80
AMBL balance sheet — all reported line items (Rs bn)
Rs bn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Cash & Short-Term Deposits Due from Banks - Total 3.2 2.7 4.0 3.9 4.0 2.1 3.7 3.7
Funds with Central Banks 3.2 2.7 4.0 3.9 4.0 2.1 3.7 3.7
Lending & Long-Term Deposits Due from Banks — — — — — — — 0.0
Inter-Bank Loans & Long-Term Deposits with Other Banks — — — — — — — 0.0
Loans & Receivables - Total 11.2 11.0 10.6 9.5 8.9 8.5 8.2 7.0
Banking Related Loans – Net 11.2 11.0 10.6 9.5 8.9 8.5 8.2 7.0
Investments - Total 2.7 2.7 2.6 2.4 2.3 1.9 1.9 1.9
Property, Plant & Equipment - Net - Total 1.0 1.1 0.8 0.9 0.9 0.9 1.0 1.0
Other Assets - Total 2.5 2.6 2.5 2.5 2.5 2.5 2.5 3.8
Deferred Tax - Asset - Long-Term & Short-Term 1.7 1.7 1.7 1.7 1.7 1.7 1.7 1.7
Other Assets 0.8 0.9 0.8 0.8 0.8 0.8 0.8 2.1
Intangible Assets - Total - Net 0.1 0.1 0.1 0.1 0.1 0.1 0.1 —
Intangible Assets - excluding Goodwill - Net - Total 0.1 0.1 0.1 0.1 0.1 0.1 0.1 —
Total Assets 20.7 20.2 20.7 19.3 18.8 16.1 17.4 17.3
Deposits - Total 30.6 29.7 30.1 28.3 27.3 24.4 25.7 24.9
Debt - Total 0.8 0.8 0.6 0.6 0.7 0.6 0.7 0.3
Short-Term Debt & Current Portion of Long-Term Debt 0.1 0.1 0.1 0.1 0.2 0.1 0.1 —
Short-Term Debt & Notes Payable 0.1 0.1 0.1 0.1 0.2 0.1 0.1 —
Debt - Long-Term - Total 0.7 0.7 0.5 0.5 0.5 0.6 0.6 0.3
Short-Term Banking Borrowings excluding Collateralized Financing 0.1 0.1 0.1 0.1 0.2 0.1 0.1 —
Capitalized Lease Obligations - Long-Term 0.7 0.7 0.5 0.5 0.5 0.6 0.6 0.3
Deferred Tax & Investment Tax Credits - Long-Term — — — — — — — 0.0
Deferred Tax - Liability - Long-Term — — — — — — — 0.0
Junior Subordinated Debentures & Notes Payable - Trust Account — — — — — — — 0.0
Other Liabilities - Total 0.6 0.6 0.6 0.6 0.6 0.5 0.6 0.6
Other Liabilities - 0.6 0.6 0.6 0.6 0.6 0.5 0.6 0.6
Total Liabilities 32.0 31.0 31.2 29.5 28.5 25.5 26.9 25.8
Shareholders' Equity - Attributable to Parent Shareholders - Total (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Common Equity Attributable to Parent Shareholders (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Common Equity - Contributed 4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.3
Common Stock - Issued & Paid 4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.3
Equity - Non-Contributed - Reserves & Retained Earnings (15.6) (15.1) (14.8) (14.4) (14.0) (13.7) (13.7) (12.8)
Retained Earnings - Total (16.6) (16.3) (15.9) (15.6) (15.1) (14.7) (14.3) (13.2)
Comprehensive Income - Accumulated - Total — 0.1 0.1 0.1 0.1 0.1 0.0 —
Investments - Unrealized Gain/Loss — 0.1 0.1 0.1 0.1 0.1 0.0 —
Other Reserves/Equity - Total 1.0 1.0 1.0 1.0 1.0 1.0 0.5 0.4
Common Equity - Total (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Total Shareholders' Equity - including Minority Interest & Hybrid Debt (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Total Liabilities & Equity 20.7 20.2 20.7 19.3 18.8 16.1 17.4 17.3
Common Shares - Issued - Total mn 429.0 429.0 429.0 429.0 429.0 429.0 429.0 429.0
Common Shares - Outstanding - Total mn 429.0 429.0 429.0 429.0 429.0 429.0 429.0 429.0
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn — — 750.0 750.0 750.0 750.0 750.0 500.0
Common Shares - Issued - Issue Specific mn 429.0 429.0 429.0 429.0 429.0 429.0 429.0 429.0
Common Shares - Outstanding - Issue Specific mn 429.0 429.0 429.0 429.0 429.0 429.0 429.0 429.0
Common Shares - Treasury - Issue Specific mn 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×
Right of Use Tangible Assets - Total - Net - Supplemental 0.6 0.6 0.3 0.4 0.4 0.4 0.4 0.2
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 0.6 0.6 0.3 0.4 0.4 0.4 0.4 0.2
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 0.5 0.5 0.5 0.5 0.5 0.5 0.6 0.7
Finance and Operating Lease Liabilities - Total - Supplemental 0.7 0.7 0.5 0.5 0.5 0.6 0.6 0.3
Debt including Finance and Operating Lease Liabilities - Supplemental 0.8 0.8 0.6 0.6 0.7 0.6 0.7 0.3
Net Debt (2.4) (2.0) (3.4) (3.3) (3.3) (1.5) (3.1) (3.4)
Cash & Cash Equivalents - Total 3.2 2.7 4.0 3.9 4.0 2.1 3.7 3.7
Cash & Securities 5.9 5.4 6.7 6.3 6.3 4.0 5.6 5.6
Cash & Short Term Investments - Total 3.2 2.7 4.0 3.9 4.0 2.1 3.7 3.7
Debt - including Preferred Equity & Minority Interest - Total 0.8 0.8 0.6 0.6 0.7 0.6 0.7 0.3
Earning Assets 17.0 16.4 17.2 15.8 15.2 12.5 13.8 12.5
Invested Assets - Total 2.7 2.7 2.6 2.4 2.3 1.9 1.9 1.9
Net Book Capital (13.6) (12.8) (13.9) (13.5) (13.0) (10.8) (12.5) (11.9)
Net Operating Assets (13.6) (12.8) (13.9) (13.5) (13.0) (10.8) (12.5) (11.9)
Provisions - Total — — — — — — — 0.0
Shareholders Equity - Common (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Tangible Total Equity (11.4) (11.0) (10.6) (10.3) (9.9) (9.5) (9.6) (8.6)
Tangible Book Value (11.4) (11.0) (10.6) (10.3) (9.9) (9.5) (9.6) (8.6)
Total Book Capital (10.5) (10.1) (9.9) (9.6) (9.1) (8.7) (8.8) (8.2)
Total Capital (10.5) (10.1) (9.9) (9.6) (9.1) (8.7) (8.8) (8.2)
Total Long Term Capital (11.3) (10.9) (10.5) (10.2) (9.8) (9.4) (9.4) (8.6)
Book Value excluding Other Equity (12.3) (11.9) (11.5) (11.2) (10.8) (10.4) (9.9) (8.9)
Cash & Short Term Investments - Net of Debt 2.4 2.0 3.4 3.3 3.3 1.5 3.1 3.4
Interest Bearing Liabilities - Total 31.4 30.4 30.7 28.9 28.0 25.0 26.3 25.2
Net Debt Including Preferred Equity & Minority Interest (2.4) (2.0) (3.4) (3.3) (3.3) (1.5) (3.1) (3.4)
Other Short-Term & Long-Term Assets - Total 2.5 2.6 2.5 2.5 2.5 2.5 2.5 3.8
Other Short-Term & Long-Term Liabilities - Total 0.6 0.6 0.6 0.6 0.6 0.5 0.6 0.6
Tangible Book Value excluding Other Equity (12.4) (12.0) (11.7) (11.3) (10.9) (10.6) (10.1) (8.9)
Total Debt Excluding Islamic 0.8 0.8 0.6 0.6 0.7 0.6 0.7 0.3
Total Available Funds 19.3 18.8 19.6 18.2 17.5 15.0 16.2 16.3
Loans - Gross – Total 11.2 11.0 10.6 9.5 8.9 8.5 8.2 7.0
Deposits - Net 30.6 29.7 30.1 28.3 27.3 24.4 25.7 24.9
Loans - Net - Total 11.2 11.0 10.6 9.5 8.9 8.5 8.2 7.0

Every line the company reported, in the original order and wording, without regrouping or signs changed.