Apna Microfinance Bank Limited
PPSX:AMBL19.75
PKR
+0.08
(+0.41%)
ISIN
PK0082601011
Return %
Stock
S&P 500
1Y
80.53
14.20
3Y
2.33
81.12
5Y
1.91
68.34
Capital Structure
FRC
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in mil. unless spec.Working Capital
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
FRC
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Quarterly Dividends Per Share
FRC
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in mil. unless spec.Company Description
- CEO
- Nazish Ali
- Full Time Employees
- 1,312
- Sector
- Finance
- Industry
- Major banks
- Address
- Lahore Pakistan
- IPO Date
- Jan 25, 2005
- Website
- apnabank.com.pk
- Similar Companies
- Business
- Apna Microfinance Bank Limited is a Pakistan-based financial institution that provides microfinance, retail banking, and commercial credit services to micro-entrepreneurs, smallholder farmers, and marginalized socio-economic segments across Pakistan. Incorporated in May 2003 and commencing operations in January 2005, the bank is headquartered in Lahore with its registered office in Karachi and maintains a nationwide branch network. The company operates under a microfinance banking license issued by the State Bank of Pakistan and is listed on the Pakistan Stock Exchange under the ticker AMBL. Apna Microfinance Bank Limited organizes its core activities into micro-lending, deposit mobilization, and transactional banking services. Its lending portfolio includes enterprise credit such as the Apna Business Loan; agricultural and livestock financing comprising the Apna Agri Loan, Apna Live Stock Loan, and Apna Tractor Loan; secured consumer credit such as the Apna Gold loan against gold collateral; and personal financing facilities including the Apna House Loan, Apna Salary Loan, Apna Pension Loan, and Apna Sawari Deals auto financing. Its deposit offerings encompass current accounts, including Current CD and Asan Current Account; savings accounts such as Regular Savings, Asan Savings, and Pension Saving Account; high-yield accounts including Daily Saving Accounts; and fixed-income term deposit products comprising Apna Term Deposit, Apna Mustakil Sarmaya, and Apna Pink Term Deposit tailored for female savers. The bank complements its physical branch network with digital banking solutions, including internet and mobile banking applications, automated teller machine access, inter-bank fund transfers, utility bill payment services, and integration with the national Raast instant payment system. In recent developments, Apna Microfinance Bank Limited has been undergoing capital restructuring and corporate realignment to fulfill regulatory Minimum Capital Requirements and Capital Adequacy Ratios. In 2026, Mobilink Microfinance Bank Limited initiated formal moves to acquire a substantial equity stake and management control of Apna Microfinance Bank Limited, extending its public acquisition offer under advisory from Arif Habib Limited as bilateral negotiations and regulatory approval processes progress. Concurrently, the Securities and Exchange Commission of Pakistan approved the bank's issuance of approximately 116.06 million ordinary shares through an other-than-right offer valued at PKR 1.16 billion to reinforce its equity base. Operationally, the bank has executed a turnaround strategy emphasizing secured lending portfolios, particularly expanding gold-backed credit facilities, to lower funding costs and narrow operational net losses.