اپنا مائیکرو فنانس بینک: 9 ماہ کا مالیاتی گوشوارہ جاری، فی شیئر 2.11 روپے کا نقصان ریکارڈ۔ Apna Microfinance Bank reports 9M FY26 loss of PKR 1.15bn; potential merger with MMBL in progress.

Apna Microfinance Bank Limited (AMBL) has released its condensed interim financial statements for the nine-month period ended September 30, 2026. The Bank faces significant financial challenges, resulting in negative net assets and non-compliance with regulatory capital requirements.

Financial Snapshot (9M FY26)

Key Highlights

• Operational Results: Recorded a loss of PKR 1.15 billion compared to a loss of PKR 1.23 billion in the same period last year.
• Potential Merger: The State Bank of Pakistan (SBP) has permitted Mobilink Microfinance Bank Limited (MMBL) to conduct due diligence of AMBL for a potential merger.
• Capital Position: The Bank remains non-compliant with Minimum Capital Requirements (MCR) and Capital Adequacy Ratio (CAR), with accumulated losses amounting to PKR 16.99 billion.
• Sponsor Support: Sponsors injected additional equity in July 2026, increasing share capital from PKR 4.29 billion to PKR 5.45 billion.
• Strategic Plan: Management is pursuing recoveries of non-performing advances and implementing cost-optimization measures to stabilize the financial position.

Risks & Outlook

Management acknowledges material uncertainty related to the Bank's ability to continue as a going concern. Future viability is heavily dependent on the success of the proposed merger and the execution of their multi-faceted operational recovery plan.