Financials - Half Yearly
Apna MicroFinance Bank Limited
Balance Sheet
  As at June 30, 2019  
 
Jun 30, 2019
Dec 31, 2018
Assets
Cash and balance with SBP and NBP 1,364,723,487 1,585,615,708
Balances with other banks/NBFIs/MFBs 3,980,223,133 2,910,830,798
Lendings to financial institutions - -
Investments - net of provisions 889,967,648 884,469,380
Advances - net of provisions 9,323,959,402 9,165,740,059
Operating fixed assets 904,343,990 857,383,100
Other assets 1,812,632,025 1,730,824,450
Deferred tax asset 468,666,989 488,183,434
Total assets 18,744,516,674 17,623,046,929
Liabilities
Deposits and other accounts 16,817,664,494 15,866,330,742
Borrowings 8,014,335 9,369,059
Subordinated debt - -
Other liabilities 305,819,834 273,601,040
Deferred tax liabilities - -
Total liabilities 17,131,498,683 16,149,300,841
Net assets 1,613,017,991 1,473,746,088
Represented by
Share capital 3,439,849,620 2,500,000,000
Discount on issue of shares (1,335,963,831) (950,000,000)
Share deposit money 446,210,175 900,078,363
Statutory reserve 11,931,873 11,931,873
Depositors' protection fund 2,982,969 2,982,969
Unappropriated profit/(loss) (955,701,531) (996,574,069)
  1,609,309,275 1,468,419,136
Surplus / (deficit) on revaluation of assets - -
Deferred grants 3,708,716 5,326,952
Total capital 1,613,017,991 1,473,746,088

Apna MicroFinance Bank Limited
Profit and Loss Account
  For the six months ended June 30, 2019  
 
Jun 30, 2019
Jun 30, 2018
Mark-up / return / interest earned 1,379,348,554 938,841,705
Mark-up / return / interest expensed (531,410,812) (357,156,255)
Net mark-up / interest income 847,937,742 581,685,450
Provision against non-performing loans and advances 18,527,735 76,961,816
Provision for diminution in the value of investments - -

Recovery against bad debts written off

520,319 207,716
Bad debts written off directly - -
  19,048,054 77,169,532
Net mark-up / interest income / (loss) after provisions 866,985,796 658,854,982
Non mark-up / non interest income
Fee, commission and brokerage income 64,287,992 98,664,953
Dividend income - -
Other income 39,129,676 52,020,117
Total non mark-up / non interest income 103,417,668 150,685,070
  970,403,464 809,540,052
Non mark-up / non interest income
Administrative expenses (891,969,024) (763,294,421)
Other provisions / write offs / adjustment - -
Other charges - -
Total non mark-up / non interest expenses (891,969,024) (763,294,421)
  78,434,440 46,245,631
Extra ordinary / unusual items - -
Profit / (loss) before taxation 78,434,440 46,245,631
Taxation - current (18,045,457) (12,968,833)
              - prior years - -
              - deferred (19,516,445) (907,051)
  (37,561,902) (13,875,884)
Profit / (loss) after taxation 40,872,538 32,369,747
Unappropriated profit / (loss) bought forward (996,574,069) (1,036,520,157)
Profit available for appropriation / (loss) (955,701,531) (1,004,150,410)
Appropriations:
Transfer to:    
Statutory reserve - -
Capital reserve - -
Contribution to MSDF / DPF / RMF - -
Revenue reserve - -
Proposed cash dividend Rs. Nil per share (2018: Rs. Nil per     share) - -
Others - -
  - -
Unappropriated profit / (loss) carried forward (955,701,531) (1,004,150,410)
Earnings / (loss) per share - basic & diluted 0.119 0.01
Auditor(s):

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