Apna Microfinance Bank Limited (AMBL) reported loss per share of PKR 3.84 for CY25, compared to loss per share of PKR 7.23 in CY24. The net advances portfolio grew by approximately PKR 2.4bn to reach PKR 10.56bn, while deposits increased from PKR 25bn to PKR 30bn.
The bank has aggressively transitioned its unsecured loan book into a secured portfolio, with over 89% of net advances now backed by collateral, primarily gold. In line with SBP restrictions, the bank is currently prohibited from issuing new unsecured loans and remains focused on repeat business within its existing portfolio.
The bank has rationalized its physical footprint, reducing its network from over 100 locations to 71 branches, with the objective of eliminating lossmaking units. Management indicated that, as of 31 December 2025, Apna Microfinance Bank maintains the lowest cost of deposits within the microfinance sector. Cumulative historical losses stand at approximately PKR 15bn, which continue to weigh on the bank’s capital adequacy position .
A key strategic development is the potential merger or acquisition, as the State Bank has granted approval to Mobilink Microfinance Bank to conduct due diligence on AMBL. The process is currently underway and is expected to conclude within the next month. The bank’s core product suite includes gold, alongside business loans, livestock financing, housing loans, and pension loans.
Important Disclosures
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