ABHI Microfinance Bank Limited has closed the calendar year 2025 with a profit after tax (PAT) of Rs1.019 billion – the highest in the bank’s history. This represents a dramatic recovery from a loss after tax of Rs1.754 billion in 2024, delivering a Rs2.773 billion profitability swing in just one year after several consecutive years of losses. The bank had last been profitable in 2020.
The turnaround was driven by stronger balance sheet growth, higher income generation, improved loan recoveries, tighter credit monitoring, and better cost discipline.
| Key Financial Metric | 2025 | 2024 | Change |
|---|---|---|---|
| Profit After Tax (PAT) | Rs1.019bn | (Rs1.754bn) loss | +Rs2.773bn swing |
| Total Revenue | Rs14.25bn | Rs9.461bn | +50.66% |
| Total Assets | Rs77.066bn | Rs40.353bn | +91.0% |
| Gross Advances | Rs37.556bn | Rs18.387bn | +104.25% |
| Total Deposits | Rs69.088bn | Rs36.226bn | +90.71% |
| NPL Ratio | 0.68% | – | Significant reduction |
Strong Balance Sheet Expansion
Total assets surged to Rs77.07 billion, nearly doubling from Rs40.35 billion in 2024. The expansion was primarily driven by a 104% jump in gross advances, which rose to Rs37.56 billion from Rs18.39 billion a year earlier. The loan book growth was fuelled by a 90.7% increase in deposits – climbing to Rs69.09 billion – which strengthened the bank’s funding base and supported liquidity during a challenging credit and inflationary environment for the microfinance sector.
Revenue and Asset Quality
Total revenue rose by 50.7% to Rs14.25 billion. Asset quality remained a key focus: the non‑performing loan (NPL) ratio improved significantly to 0.68% in 2025, reflecting tighter credit monitoring and improved recoveries. Sponsor support, capital injection, and organic profitability also materially improved the bank’s equity position.
Digital Expansion
During the year, ABHI Bank expanded its focus on digital lending, merchant financing, Earned Wage Access (EWA), automation, and technology‑led customer access. Further investment in technology is planned for the coming years.
About ABHI Microfinance Bank
ABHI Microfinance Bank Limited is a Pakistani microfinance bank dedicated to providing inclusive financial services to underserved communities. With a renewed focus on digital capability and responsible lending, the bank has emerged as a key player in the microfinance sector.
