Apna Microfinance Bank Limited · PSX:AMBL
Apna Microfinance Bank — FY2025 Earnings Presentation
22 slides from Apna Microfinance Bank's earnings presentation, Mar 18, 2026
Slide 1: Corporate Briefing Session (CBS) 2026 - Virtual notice
dnd bank Limited AMB/PSX/CS/10/2026 March 18, 2026 The General Manager Pakistan Stock Exchange Limited Stock Exchange Building, Stock Exchange Road, Karachi. Dear Sir, Address: Street 141-K, Email: customer.support@apnabank.com.pk Upper Mall, Lahore Web : www.apnabank.com.pk Tel: +92(42) 35776591 |
Slide 2: Corporate Briefing Session notice (continued)
Microfinance Address: Street 141-K, | Email: customer.support@apnabank.com.pk qaona ba n k Upper Mall, Lahore Web : www.apnabank.com.pk — pna Dank Tel :+92(42) 35776591 | +92(42) 35776589 Limited e. Participants are requested to use “raise hand” functionality in zoom platform to ask a question or ty
Slide 3: Feedback Form: Corporate Briefing Session 2026
Microfinance Address: Street 141-K, Email: customer.support@apnabank.com.pk G nN d ba nN k Upper Mall, Lahore Web : www.apnabank.com.pk — p Tel :+92(42) 35776591 | +92(42) 35776589 Limited Feedback Form: Corporate Briefing Session 2026 — Virtual Email the filled form on agm@apnabank.com.pk Name CNIC
Slide 4: Corporate Briefing Session: Performance Review
Corporate Briefing Session Performance Review Year Ended December 31, 2025 AMBL_Corporate Briefing Session 1
Slide 5: Company Profile
Company Profile AMBL_Corporate Briefing Session 2
Slide 6: Company Profile: Board of Directors and Corporate Information
Company Profile: Board of Director: Corporate Information: ➢ President/Chief Executive Officer (Acting): • Mr. M.A Shahid – Chairman/Director Mr. Nazish Ali • Mr. Imad Mohammad Tahir – Director ➢ Company Secretary: • Mr. Muhammad Asghar – Director Mr. Noshad Ahmad • Mr. M. Saleem Shaikh – Director –
Slide 7: Company Profile: Background
Company Profile: Background: • Incorporated in May 2003 as a Public Limited Company • Certificate of commencement of business was granted in December 28, 2004 • Started operations on January 01, 2005 • The Bank operate at national level in Pakistan • Principal business is to provide microfinance ser
Slide 8: Company Profile: Credit Rating, Loan Products, Branch Network
Company Profile: Credit Rating: Major Loans Products: Branch Network: • Apna Gold The long-term rating of the Bank is • Punjab • Apna Business Loan “BB” (Double B) and the short-term • Sindh • Apna Live Stock Loan rating is “A4” (A Four) with a • Baluchistan • Apna House Loan “Negative” future outlo
Slide 9: About Apna Microfinance Bank Limited (AMBL)
ABOUT APNA MICROFINANCE BANK LIMITED (AMBL) AMBL_Corporate Briefing Session 6
Slide 10: Introduction
Introduction: Apna Microfinance Bank Limited is managed by group of highly experienced bankers. We are committed to providing specialized financial services to the less privileged, marginalized and poor segments of society. We support economic empowerment of women & micro-entrepreneurs in the Agri a
Slide 11: Financial Highlights
FINANCIAL HIGHLIGHTS AMBL_Corporate Briefing Session 8
Slide 12: Financial Performance
Financial Performance: ➢ The Bank’s loss before tax reduced significantly from PKR 3,062 million to PKR 1,605 million, representing a 51% reduction compared to the previous year. ➢ Bank’s successful transition from a negative Net Interest Margin (NIM) position in 2024 to a positive and strengthening
Slide 13: Strategic Plan: Sponsor Equity and Secured Advances
Strategic Plan: The management has developed and is implementing a multi-faceted plan to overcome the financial and operational difficulties faced by the Bank. Salient features of the same are as under: ❖ Commitment by the Sponsors and Injection of Further Equity: The Sponsors demonstrate their unwa
Slide 14: Strategic Plan: Recovery of Non-Performing Advances, Cost of Deposits
Strategic Plan: ❖ Recovery of Non-Performing Advances: The non-performing advances were largely a consequence of the unprecedented economic downturn following the Covid-19 pandemic. As full provision has already been made, therefore, significant additional provisions are not expected in future years
Slide 15: Strategic Plan: Optimization of Operations and Reduction of Costs
Strategic Plan: ❖ Optimization of Operations and Reduction of Costs The Bank is implementing strategic measures to optimize its branch operations, including the closure of non-productive and non-strategic branches, to effectively control costs. Additionally, the management is focused on streamlining
Slide 16: Merger Proposal
Merger Proposal: The State Bank of Pakistan (SBP) has allowed Mobilink Microfinance Bank Limited (MMBL) to conduct Due Diligence (DD) of APNA Microfinance Bank Limited (AMBL), subject to compliance with applicable laws, rules, regulations. In case of successful DD and negotiations, AMBL shall be mer
Slide 17: Key Financial Metrics
KEY FINANCIAL METRICS Dec-25 Dec-24 Dec-23 Dec-22 Rupees Rupees Rupees Rupees Total Assets 20,730,270,642 17,445,619,530 17,019,602,610 19,587,476,542 BALANCE SHEET Advances-net of provisions 10,566,072,768 8,195,981,631 7,613,667,085 8,354,266,042 Deposits 30,059,813,402 25,674,402,711 22,449,764,9
Slide 18: Balance Sheet
BALANCE SHEET: 2025 2024 Rupees Rupees ASSETS Cash and balances with treasury banks 1,292,690,277 1,645,885,474 Balances with other MFBs/Banks/NBFIs 2,728,467,930 2,067,975,843 Investments 2,640,055,660 1,873,476,171 Advances 10,566,072,768 8,195,981,631 Property and equipment 486,844,712 557,130,52
Slide 19: Profit and Loss Account
PROFIT AND LOSS ACCOUNT 2025 2024 Rupees Rupees Mark-up / Return / Interest Earned 3,152,248,880 2,808,827,545 Mark-up / Return / Interest Expensed (3,006,449,388) (3,994,479,994) Net mark-up/Interest profit/(loss) 145,799,492 (1,185,652,449) NON MARK-UP/ INTEREST INCOME Fee and commission income 28
Slide 20: Question & Answer Session
QUESTION & ANSWER SESSION AMBL_Corporate Briefing Session 17
Slide 21: Disclaimer
DISCLAIMER: This presentation, prepared for the information purpose only, is not and dose not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with any contr
Slide 22: Thank You
THANK YOU AMBL_Corporate Briefing Session 19
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