Apna Microfinance Bank Limited (PSX:AMBL)

Apna Microfinance Bank Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,127	2,660	3,273	2,973	5,170	10,134
Investment Securities	1,923	1,873	1,254	2,466	1,260	1,704
Total Investments	1,923	1,873	1,254	2,466	1,260	1,704
Gross Loans	13,751	13,452	12,777	12,068	11,998	10,505
Allowance for Loan Losses	-5,186	-5,167	-5,025	-3,714	-492.09	-384.65
Net Loans	8,565	8,286	7,752	8,354	11,506	10,120
Property, Plant & Equipment	946.12	978.94	1,056	1,201	1,366	1,554
Other Intangible Assets	146.06	148.35	157.47	166.95	169.97	128.75
Accrued Interest Receivable	44.32	63.24	62.38	1,019	990.05	2,607
Other Receivables	-	-	-	4.88	442.37	442.37
Restricted Cash	965.49	1,054	1,119	983.83	701.26	1,765
Other Current Assets	651.3	627.29	577.35	650.51	736.4	540.91
Long-Term Deferred Tax Assets	1,700	1,700	1,700	1,700	1,283	546.09
Other Long-Term Assets	71.93	54.75	69.64	68.31	35.52	43.25
Total Assets	16,140	17,446	17,020	19,587	23,660	29,586
Accrued Expenses	-	-	-	-	0.34	0.16
Interest Bearing Deposits	21,479	22,359	18,664	17,508	18,832	18,886
Non-Interest Bearing Deposits	2,919	3,315	3,786	5,098	3,251	7,293
Total Deposits	24,398	25,674	22,450	22,606	22,084	26,179
Short-Term Borrowings	-	-	-	-	0.47	3.47
Current Portion of Leases	-	144.66	212.15	154.6	196.99	160.51
Accrued Interest Payable	269.82	314.65	413.26	274.67	283.08	246.21
Other Current Liabilities	77.59	69.68	76.87	49.34	107.67	86.35
Long-Term Leases	565.26	437.7	298.56	388.55	452.65	633.69
Pension & Post-Retirement Benefits	53.67	49.7	45.01	23.05	-	-
Other Long-Term Liabilities	167.47	187.54	164.8	137.91	93.04	57.07
Total Liabilities	25,532	26,878	23,660	23,634	23,218	27,366
Common Stock	4,290	4,290	4,290	4,290	4,290	3,440
Retained Earnings	-14,748	-14,256	-10,945	-7,351	-2,862	-930.93
Comprehensive Income & Other	1,067	533.45	14.43	-985.57	-985.57	-289.69
Shareholders' Equity	-9,391	-9,433	-6,641	-4,047	442.38	2,219
Total Liabilities & Equity	16,140	17,446	17,020	19,587	23,660	29,586
Total Debt	565.26	582.36	510.71	543.15	650.11	797.67
Net Cash (Debt)	562.21	2,078	2,762	2,430	4,520	9,337
Net Cash Growth	-82.27%	-24.78%	13.67%	-46.24%	-51.59%	51.64%
Net Cash Per Share	1.30	4.84	6.44	5.66	11.32	24.67
Filing Date Shares Outstanding	439.1	428.98	428.98	428.98	428.98	343.98
Total Common Shares Outstanding	439.1	428.98	428.98	428.98	428.98	343.98
Book Value Per Share	-21.39	-21.99	-15.48	-9.43	1.03	6.45
Tangible Book Value	-9,537	-9,581	-6,798	-4,214	272.41	2,090
Tangible Book Value Per Share	-21.72	-22.33	-15.85	-9.82	0.64	6.08

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