Apna Microfinance Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Interest Income on Loans	3,152	2,809	2,527	2,266	908.38	Upgrade
Interest Paid on Deposits	3,006	3,994	2,731	1,600	1,459	Upgrade
Net Interest Income	145.8	-1,186	-204.21	665.8	-550.63	Upgrade
Gain (Loss) on Sale of Assets	-	4.15	1.63	0.4	4.63	Upgrade
Other Non-Interest Income	346.33	283.67	210.44	170.15	157.64	Upgrade
Total Non-Interest Income	346.33	287.82	212.07	170.55	162.27	Upgrade
Non-Interest Income Growth (YoY)	20.33%	35.72%	24.34%	5.10%	35.72%	Upgrade
Revenues Before Loan Losses	492.13	-897.84	7.86	836.36	-388.36	Upgrade
Provision for Loan Losses	77.76	-35.37	1,305	3,479	85.68	Upgrade
Revenue	414.37	-862.46	-1,297	-2,642	-474.04	Upgrade
Selling, General & Administrative	-	63.36	60.37	2,232	2,168	Upgrade
Other Non-Interest Expense	2,062	2,162	2,236	1.27	1.38	Upgrade
Total Non-Interest Expense	2,062	2,226	2,297	2,234	2,169	Upgrade
EBT Excluding Unusual Items	-1,648	-3,088	-3,594	-4,876	-2,643	Upgrade
Asset Writedown	-	-11.98	-	-	-	Upgrade
Pretax Income	-1,648	-3,100	-3,594	-4,876	-2,643	Upgrade
Income Tax Expense	-	-	-	-386.62	-712.12	Upgrade
Net Income	-1,648	-3,100	-3,594	-4,489	-1,931	Upgrade
Net Income to Common	-1,648	-3,100	-3,594	-4,489	-1,931	Upgrade
Basic Shares Outstanding	429	429	429	429	399	Upgrade
Diluted Shares Outstanding	429	429	429	429	399	Upgrade
Shares Change (YoY)	0.05%	-	-	7.48%	5.47%	Upgrade
EPS (Basic)	-3.84	-7.23	-8.38	-10.47	-4.84	Upgrade
EPS (Diluted)	-3.84	-7.23	-8.38	-10.47	-4.84	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.