Apna Microfinance Bank Cash Flow 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
Net Income	-1,648	-3,100	-3,594	-4,489	-1,931	Upgrade
Depreciation & Amortization	223.8	275.34	337.71	269.3	292.33	Upgrade
Other Amortization	-	9.13	9.48	8.58	7.01	Upgrade
Gain (Loss) on Sale of Assets	-5.57	-4.15	-3.91	-0.4	-4.63	Upgrade
Total Asset Writedown	-	11.98	-	-	-	Upgrade
Provision for Credit Losses	85.22	-29	1,312	3,536	107.43	Upgrade
Change in Other Net Operating Assets	-2,333	-745.19	597.97	116.48	100.75	Upgrade
Other Operating Activities	26.01	36.75	-22.35	-402.61	-825.22	Upgrade
Operating Cash Flow	-3,652	-3,545	-1,363	-962.25	-2,253	Upgrade
Capital Expenditures	-2.03	-6.77	-4.81	-36.8	-69.59	Upgrade
Sale of Property, Plant and Equipment	9.35	10.15	3.02	2.81	23.25	Upgrade
Investment in Securities	-695.03	-600.7	1,212	-1,206	444.16	Upgrade
Purchase / Sale of Intangibles	-	-	-	-	-48.23	Upgrade
Other Investing Activities	-238.38	-259.93	-256.25	-233.83	-180.68	Upgrade
Investing Cash Flow	-926.1	-857.26	954.45	-1,474	168.91	Upgrade
Short-Term Debt Repaid	-	-	-	-0.47	-2.99	Upgrade
Total Debt Repaid	-	-	-	-0.47	-2.99	Upgrade
Net Debt Issued (Repaid)	-	-	-	-0.47	-2.99	Upgrade
Issuance of Common Stock	500	500	1,000	-	154.18	Upgrade
Net Increase (Decrease) in Deposit Accounts	4,385	3,225	-156.58	522.63	-4,095	Upgrade
Financing Cash Flow	4,885	3,725	843.42	522.15	-3,944	Upgrade
Net Cash Flow	307.3	-677.76	434.54	-1,914	-6,028	Upgrade
Free Cash Flow	-3,654	-3,552	-1,368	-999.05	-2,323	Upgrade
Free Cash Flow Margin	-881.84%	-	-	-	-	Upgrade
Free Cash Flow Per Share	-8.51	-8.28	-3.19	-2.33	-5.82	Upgrade
Cash Interest Paid	-	-	-	5.88	4.37	Upgrade
Cash Income Tax Paid	-	122.57	109.3	74.73	113.03	Upgrade

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