Inv. Banks / Inv. Cos. / Securities Cos.
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) income statement
Apna Microfinance Bank Limited reported revenue of Rs 431.5 mn for FY2025 (Jan – Dec 2025). Finance cost was Rs 3.0 bn, down 24.7% on FY2024. The loss attributable to shareholders was Rs 1.6 bn, or Rs -3.84 per share.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 431.5 | (962.4) | (50.2) | 792.0 | (436.5) | |||||||||
| Operating expenses | (2,085.1) | (2,129.8) | (3,511.8) | (5,668.3) | (2,211.3) | |||||||||
| Finance cost | (3,006.4) | (3,994.5) | (2,731.1) | (1,600.2) | (1,459.0) | |||||||||
| Profit before tax | (1,648.1) | (3,100.0) | (3,560.3) | (4,876.0) | (2,643.1) | |||||||||
| Taxation | 0.0 | 0.0 | (33.5) | 386.6 | 712.1 | |||||||||
| Profit after tax | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | |||||||||
| Profit attributable to shareholders | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | |||||||||
| Per share | ||||||||||||||
| EPS – basic (Rs) Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | |||||||||
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||||||
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | -106.3% | — | -121.5% | |||||||||
| Operating expenses | -2.1% | -39.4% | -38.0% | +156.3% | +10.2% | |||||||||
| Finance cost | -24.7% | +46.3% | +70.7% | +9.7% | -0.9% | |||||||||
| Profit before tax | — | — | — | — | -11,398.5% | |||||||||
| Taxation | — | -100.0% | — | — | -6,785.9% | |||||||||
| Profit after tax | — | — | — | — | -15,254.1% | |||||||||
| Profit attributable to shareholders | — | — | — | — | -15,254.1% | |||||||||
| Per share | ||||||||||||||
| EPS – basic (Rs) | — | — | — | — | -14,468.7% | |||||||||
| Dividend per share (Rs) | — | — | — | — | — | |||||||||
Change against the previous fiscal year; shown when the earlier figure is positive.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 100.0% | — | — | 100.0% | — |
| Operating expenses | (483.3%) | — | — | (715.7%) | — |
| Finance cost | (696.8%) | — | — | (202.1%) | — |
| Profit before tax | (382.0%) | — | — | (615.7%) | — |
| Taxation | 0.0% | — | — | 48.8% | — |
| Profit after tax | (382.0%) | — | — | (566.9%) | — |
| Profit attributable to shareholders | (382.0%) | — | — | (566.9%) | — |
Each line as a percentage of revenue.
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 101
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 145.8 | (1,185.7) | (204.2) | 665.8 | (550.6) |
| Interest & Dividend Income - Finance - Total | 3,152.2 | 2,808.8 | 2,526.9 | 2,266.0 | 908.4 |
| Interest Income - Loans/Deposits | 3,152.2 | 2,808.8 | 2,526.9 | 2,266.0 | 908.4 |
| Interest & Dividend Income - Other - Finance | — | — | — | — | — |
| Net Commission & Fees Income/Expense - Business Revenue | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 |
| Fees & Commissions Income | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 |
| Interest Expense - Finance - Total | 3,006.4 | 3,994.5 | 2,731.1 | 1,600.2 | 1,459.0 |
| Interest Expense - Operational Financing - Business | 2,938.8 | 3,872.6 | 2,677.7 | 1,541.5 | 1,459.0 |
| Interest Expense - External Financing Business | 67.7 | 121.9 | 53.4 | 58.7 | — |
| Non-Interest Business Revenue/(Expense) - Net - Total | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 |
| Revenue from Business Activities - Total | 431.5 | (962.4) | (50.2) | 792.0 | (436.5) |
| Selling, General & Administrative Expenses - Total | 2,019.3 | 2,187.2 | 2,261.4 | 2,232.3 | 2,167.7 |
| Selling, General & Administrative Expenses - Unclassified | 1,795.5 | 1,902.8 | 1,914.2 | 1,954.4 | 1,868.3 |
| Depreciation in Selling, General & Administrative Expenses | 213.7 | 275.3 | 337.7 | 269.3 | 292.3 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 10.1 | 9.1 | 9.5 | 8.6 | 7.0 |
| Other Operating Expense/(Income) - Net | (12.0) | (22.1) | (54.7) | (42.7) | (42.1) |
| Other Operating Income - Total | 55.1 | 60.4 | — | — | — |
| Operating Expenses - Total | 2,085.1 | 2,129.8 | 3,511.8 | 5,668.3 | 2,211.3 |
| Provision & Impairment for Loan Losses | 77.8 | (35.4) | 1,305.0 | 3,478.8 | 85.7 |
| Operating Profit before Non-Recurring Income/(Expense) | (1,653.6) | (3,092.2) | (3,561.9) | (4,876.4) | (2,647.7) |
| Other Operating Expense | 43.1 | 38.3 | — | — | — |
| Operating Provisions - Increase/(Decrease) | — | — | — | — | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 5.6 | 4.1 | 1.6 | 0.4 | 4.6 |
| Normalized Pre-tax Profit | (1,648.1) | (3,088.0) | (3,560.3) | (4,876.0) | (2,643.1) |
| Non-Recurring Income/Expense - Total | 0.0 | (12.0) | — | — | — |
| Impairment - Tangible & Intangible Fixed Assets | 0.0 | 12.0 | — | — | — |
| Impairment - Fixed Assets | 0.0 | 12.0 | — | — | — |
| Fair Value Adjustments - Financial Investments | — | — | — | — | — |
| Income before Taxes | (1,648.1) | (3,100.0) | (3,560.3) | (4,876.0) | (2,643.1) |
| Income Taxes | 0.0 | 0.0 | 33.5 | (386.6) | (712.1) |
| Income Taxes for the Year - Current | 0.0 | 0.0 | 33.5 | 29.9 | 25.3 |
| Income Taxes - Deferred | 0.0 | 0.0 | 0.0 | (416.5) | (737.4) |
| Income Taxes - Other (by Type) | — | — | — | — | — |
| Net Income after Tax | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Income before Discontinued Operations & Extraordinary Items | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Net Income before Minority Interest | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Net Income after Minority Interest | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Income Available to Common Shares | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Income available to Common excluding Extraordinary Items | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Shares used to calculate Basic EPS - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Basic EPS - Issue Specific mn | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Diluted Income available to Common excluding Extraordinary Items | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Shares used to calculate Diluted EPS - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | (1,653.6) | (3,092.2) | (3,561.9) | (4,876.4) | (2,647.7) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | (1,429.8) | (2,807.7) | (3,214.7) | (4,598.5) | (2,348.4) |
| Depreciation & Amortization - Supplemental | 223.8 | 284.5 | 347.2 | 277.9 | 299.3 |
| Depreciation Expense - Total - Supplemental | 213.7 | 275.3 | 337.7 | 269.3 | 292.3 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 145.1 | 192.1 | 247.0 | 173.2 | 190.9 |
| Amortization - Total - Supplemental | 10.1 | 9.1 | 9.5 | 8.6 | 7.0 |
| Depreciation, Depletion & Amortization - Total | 223.8 | 284.5 | 347.2 | 277.9 | 299.3 |
| Depreciation - Total | 213.7 | 275.3 | 337.7 | 269.3 | 292.3 |
| Amortization of Intangible Assets excluding Goodwill - Total | 10.1 | 9.1 | 9.5 | 8.6 | 7.0 |
| Normalized after Tax Profit | (1,648.1) | (3,088.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Normalized Net Income from Continuing Operations | (1,648.1) | (3,088.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Normalized Net Income - Bottom Line | (1,648.1) | (3,088.0) | (3,593.8) | (4,489.4) | (1,931.0) |
| Earnings before Interest & Taxes (EBIT) - Normalized | (1,648.1) | (3,088.0) | (3,560.3) | (4,876.0) | (2,643.1) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | (1,424.3) | (2,803.5) | (3,213.1) | (4,598.1) | (2,343.8) |
| Loan Recoveries - Actual | — | — | 6.6 | 57.0 | 21.8 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 67.7 | 121.9 | 53.4 | 58.7 | — |
| Interest Expense | 3,006.4 | 3,994.5 | 2,731.1 | 1,600.2 | 1,459.0 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 68.0 | (1,150.3) | (1,509.2) | (2,813.0) | (636.3) |
| Revenue after Loan Provisions - Net - Finance | 3,074.5 | 2,844.2 | 1,221.9 | (1,212.8) | 822.7 |
| Operating Expenses | 2,085.1 | 2,129.8 | 3,511.8 | 5,668.3 | 2,211.3 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 2,019.3 | 2,187.2 | 2,261.4 | 2,232.3 | 2,167.7 |
| Investment Gain/(Loss) | — | — | — | — | — |
| Non-Interest Expense - Bank | 2,001.8 | 2,173.0 | 2,205.1 | 2,189.1 | 2,120.9 |
| Income before Taxes & Provision for Loan Losses | (1,570.3) | (3,135.4) | (2,255.3) | (1,397.2) | (2,557.4) |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | — | — | — | — | — |
| Operating Expenses excluding Non-Cash Charges - Total | 1,861.3 | 1,845.3 | 3,164.6 | 5,390.5 | 1,911.9 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 431.5 | (962.4) | (50.2) | 792.0 | (436.5) |
| Income from Earning Assets | 3,152.2 | 2,808.8 | 2,526.9 | 2,266.0 | 908.4 |
| Income Available to Common Shares before Depreciation & Amortization | (1,424.3) | (2,815.5) | (3,246.6) | (4,211.5) | (1,631.6) |
| Commissions and Fees | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.