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Apna Microfinance Bank

KASE:AMBL
Snowflake Description

Adequate balance sheet with poor track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
AMBL
KASE
PKR9B
Market Cap
  1. Home
  2. PK
  3. Banks
Company description

Apna Microfinance Bank Limited provides microfinance services to the poor and underserved segment of the society comprising women and micro-entrepreneurs in the agri and micro enterprises in rural areas of Pakistan. The last earnings update was 7 days ago. More info.


Add to Portfolio Compare Print
  • Apna Microfinance Bank has significant price volatility in the past 3 months.
AMBL Share Price and Events
7 Day Returns
7.4%
KASE:AMBL
9.7%
PK Banks
9.2%
PK Market
1 Year Returns
157.5%
KASE:AMBL
-19.6%
PK Banks
-23.3%
PK Market
AMBL Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Apna Microfinance Bank (AMBL) 7.4% 34.4% 3.3% 157.5% 259.2% 375.6%
PK Banks 9.7% -23.1% -29.1% -19.6% -36.6% -24.7%
PK Market 9.2% -17.8% -26.1% -23.3% -42.1% -23.4%
1 Year Return vs Industry and Market
  • AMBL outperformed the Banks industry which returned -19.6% over the past year.
  • AMBL outperformed the Market in Pakistan which returned -23.3% over the past year.
Price Volatility
AMBL
Industry
5yr Volatility vs Market

Value

 Is Apna Microfinance Bank undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Apna Microfinance Bank. This is due to cash flow or dividend data being unavailable. The share price is PKR25.11.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Apna Microfinance Bank's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Apna Microfinance Bank's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
KASE:AMBL PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in PKR PKR0.17
KASE:AMBL Share Price ** KASE (2020-04-03) in PKR PKR25.11
Pakistan Banks Industry PE Ratio Median Figure of 18 Publicly-Listed Banks Companies 5.67x
Pakistan Market PE Ratio Median Figure of 276 Publicly-Listed Companies 7.31x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Apna Microfinance Bank.

KASE:AMBL PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= KASE:AMBL Share Price ÷ EPS (both in PKR)

= 25.11 ÷ 0.17

147.71x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Apna Microfinance Bank is overvalued based on earnings compared to the PK Banks industry average.
  • Apna Microfinance Bank is overvalued based on earnings compared to the Pakistan market.
Price based on expected Growth
Does Apna Microfinance Bank's expected growth come at a high price?
Raw Data
KASE:AMBL PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 147.71x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Pakistan Banks Industry PEG Ratio Median Figure of 5 Publicly-Listed Banks Companies 0.4x
Pakistan Market PEG Ratio Median Figure of 27 Publicly-Listed Companies 0.44x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Apna Microfinance Bank, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Apna Microfinance Bank's assets?
Raw Data
KASE:AMBL PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in PKR PKR4.73
KASE:AMBL Share Price * KASE (2020-04-03) in PKR PKR25.11
Pakistan Banks Industry PB Ratio Median Figure of 19 Publicly-Listed Banks Companies 0.69x
Pakistan Market PB Ratio Median Figure of 387 Publicly-Listed Companies 0.56x
KASE:AMBL PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= KASE:AMBL Share Price ÷ Book Value per Share (both in PKR)

= 25.11 ÷ 4.73

5.3x

* Primary Listing of Apna Microfinance Bank.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Apna Microfinance Bank is overvalued based on assets compared to the PK Banks industry average.
X
Value checks
We assess Apna Microfinance Bank's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Apna Microfinance Bank has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Apna Microfinance Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Apna Microfinance Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
18.7%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Apna Microfinance Bank expected to grow at an attractive rate?
  • Unable to compare Apna Microfinance Bank's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Apna Microfinance Bank's earnings growth to the Pakistan market average as no estimate data is available.
  • Unable to compare Apna Microfinance Bank's revenue growth to the Pakistan market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
KASE:AMBL Future Growth Rates Data Sources
Data Point Source Value (per year)
Pakistan Banks Industry Earnings Growth Rate Market Cap Weighted Average 18.7%
Pakistan Banks Industry Revenue Growth Rate Market Cap Weighted Average 9.7%
Pakistan Market Earnings Growth Rate Market Cap Weighted Average 14.8%
Pakistan Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
KASE:AMBL Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in PKR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
KASE:AMBL Past Financials Data
Date (Data in PKR Millions) Revenue Cash Flow Net Income *
2019-12-31 1,887 54
2019-09-30 1,755 -600 63
2019-06-30 1,707 -1,525 62
2019-03-31 1,674 -2,726 67
2018-12-31 1,546 -4,017 53
2018-09-30 1,239 -5,007 110
2018-06-30 1,273 -4,026 203
2018-03-31 910 -2,589 100
2017-12-31 717 -453 -80
2017-09-30 28 1,303 -906
2017-06-30 -157 705 -1,037
2017-03-31 36 -1,308 -894

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Apna Microfinance Bank is high growth as no earnings estimate data is available.
  • Unable to determine if Apna Microfinance Bank is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
KASE:AMBL Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Apna Microfinance Bank Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

KASE:AMBL Past Financials Data
Date (Data in PKR Millions) EPS *
2019-12-31 0.17
2019-09-30 0.19
2019-06-30 0.18
2019-03-31 0.20
2018-12-31 0.21
2018-09-30 0.49
2018-06-30 0.81
2018-03-31
2017-12-31 -0.35
2017-09-30 -3.69
2017-06-30 -4.77
2017-03-31 -4.07

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Apna Microfinance Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine Apna Microfinance Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. Apna Microfinance Bank's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Apna Microfinance Bank's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Pakistan market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Pakistan market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Apna Microfinance Bank has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Apna Microfinance Bank performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Apna Microfinance Bank's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Apna Microfinance Bank's year on year earnings growth rate has been positive over the past 5 years.
  • Apna Microfinance Bank's 1-year earnings growth is less than its 5-year average (0.5% vs 13.6%)
  • Apna Microfinance Bank's earnings growth has not exceeded the PK Banks industry average in the past year (0.5% vs 18.5%).
Earnings and Revenue History
Apna Microfinance Bank's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Apna Microfinance Bank Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

KASE:AMBL Past Revenue, Cash Flow and Net Income Data
Date (Data in PKR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 1,887.08 53.53 1,795.19
2019-09-30 1,754.50 63.30 1,769.76
2019-06-30 1,706.64 61.76 1,705.13
2019-03-31 1,674.41 67.19 1,684.53
2018-12-31 1,545.78 53.26 1,576.45
2018-09-30 1,238.79 109.57 1,479.85
2018-06-30 1,272.90 202.88 1,422.67
2018-03-31 910.04 99.97 1,306.52
2017-12-31 716.54 -79.51 1,296.60
2017-09-30 28.34 -906.43 1,311.43
2017-06-30 -156.65 -1,037.23 1,257.13
2017-03-31 35.79 -894.29 1,183.51
2016-12-31 36.93 -735.52 1,073.23
2016-09-30 861.32 44.56 879.12
2016-06-30 667.17 59.32 673.99
2016-03-31 431.42 -4.19 485.46
2015-12-31 304.11 -29.22 339.53
2015-09-30 237.01 -17.22 240.93
2015-06-30 173.01 -39.08 199.94
2015-03-31 159.69 -19.32 166.57
2014-12-31 174.39 6.15 156.52
2014-09-30 122.08 -37.29 153.33
2014-06-30 124.55 -15.64 134.14
2014-03-31 95.30 -45.09 134.34
2013-12-31 72.44 -53.32 119.46
2013-09-30 53.84 -61.11 108.75
2013-06-30 55.01 -58.90 107.54

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Apna Microfinance Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Apna Microfinance Bank used its assets less efficiently than the PK Banks industry average last year based on Return on Assets.
  • Unable to establish if Apna Microfinance Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Apna Microfinance Bank's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Apna Microfinance Bank has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Apna Microfinance Bank's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Apna Microfinance Bank's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Apna Microfinance Bank Company Filings, last reported 3 months ago.

KASE:AMBL Past Debt and Equity Data
Date (Data in PKR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 1,628.50 7.32 4,592.02
2019-09-30 1,628.50 7.32 4,592.02
2019-06-30 1,613.02 8.01 4,743.61
2019-03-31 1,602.95 8.69 3,565.02
2018-12-31 1,473.75 9.37 3,664.18
2018-09-30 1,165.27 10.12 2,819.41
2018-06-30 1,051.86 10.85 3,009.03
2018-03-31 1,035.45 201.57 3,341.63
2017-12-31 1,020.41 202.29 4,626.42
2017-09-30 709.59 63.21 4,707.23
2017-06-30 553.90 13.89 5,921.17
2017-03-31 541.63 198.34 4,417.24
2016-12-31 707.20 204.00 4,715.48
2016-09-30 1,278.07 0.00 2,422.85
2016-06-30
2016-03-31 1,048.01 0.00 1,250.80
2015-12-31 1,055.02 0.00 1,893.59
2015-09-30 1,038.55 0.00 1,345.98
2015-06-30 1,046.12 0.00 1,458.72
2015-03-31 619.35 0.00 656.36
2014-12-31 542.61 0.00 603.93
2014-09-30 527.77 2.93 529.34
2014-06-30 535.67 32.30 613.50
2014-03-31 511.16 0.00 570.76
2013-12-31 517.05 0.00 603.89
2013-09-30 378.50 0.00 412.18
2013-06-30 387.48 0.00 332.50
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Apna Microfinance Bank has an acceptable proportion of non-loan assets held.
  • Apna Microfinance Bank's liabilities are made up of primarily low risk sources of funding.
  • Loans at Apna Microfinance Bank are broadly funded by customer deposits.
  • Apna Microfinance Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Apna Microfinance Bank has a low allowance for bad loans.
  • Apna Microfinance Bank has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Apna Microfinance Bank's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Apna Microfinance Bank has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Apna Microfinance Bank's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Apna Microfinance Bank dividends.
If you bought PKR2,000 of Apna Microfinance Bank shares you are expected to receive PKR0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Apna Microfinance Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Apna Microfinance Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
KASE:AMBL Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Pakistan Banks Industry Average Dividend Yield Market Cap Weighted Average of 13 Stocks 10.2%
Pakistan Market Average Dividend Yield Market Cap Weighted Average of 214 Stocks 7.4%
Pakistan Minimum Threshold Dividend Yield 10th Percentile 1.5%
Pakistan Bottom 25% Dividend Yield 25th Percentile 2.7%
Pakistan Top 25% Dividend Yield 75th Percentile 9.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Apna Microfinance Bank has not reported any payouts.
  • Unable to verify if Apna Microfinance Bank's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Apna Microfinance Bank's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Apna Microfinance Bank has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Apna Microfinance Bank's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.5%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Apna Microfinance Bank afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Apna Microfinance Bank has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Apna Microfinance Bank's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Muhammad Malik
TENURE AS CEO 2.7 years
CEO Bio

Mr. Muhammad Gulistan Malik has been the Chief Executive Officer and President of Apna Microfinance Bank Limited since August 4, 2017. Mr. Malik served as an Acting President of Apna Microfinance Bank Limited since November 2016 until August 4, 2017. Mr. Malik served as an Acting Chief Executive Officer at Apna Microfinance Bank Limited until August 4, 2017 and served as its Head of Operations

CEO Compensation
  • Insufficient data for Muhammad to compare compensation growth.
  • Insufficient data for Muhammad to establish whether their remuneration is reasonable compared to companies of similar size in .
Management Team Tenure

Average tenure of the Apna Microfinance Bank management team in years:

2
Average Tenure
  • The average tenure for the Apna Microfinance Bank management team is less than 2 years, this suggests a new team.
Management Team

Muhammad Malik

TITLE
President & CEO
TENURE
2.7 yrs

Ali Murtza

TITLE
Chief Financial Officer

Wajahat Malik

TITLE
Chief Operating Officer
TENURE
1.3 yrs

Sarfaraz Bhatti

TITLE
Head of Recoveries & Legal
TENURE
2.9 yrs

Muhammad Naeem

TITLE
Head of Compliance & Risk Management
TENURE
1.7 yrs

Malik Mahmood

TITLE
Group Head of Corporate Banking & VCF
TENURE
1.3 yrs

Muhammad Hamid

TITLE
Head of Branchless Banking

Zubair Ellahi

TITLE
Head of Information Technology
TENURE
2.9 yrs

Qasim Mansoor

TITLE
Group Head of HR & GSD
TENURE
2.3 yrs

Muhammad Kamran

TITLE
Head of Credit Risk Management
TENURE
0.7 yrs
Board of Directors Tenure

Average tenure of the Apna Microfinance Bank board of directors in years:

3.6
Average Tenure
  • The tenure for the Apna Microfinance Bank board of directors is about average.
Board of Directors

Muhammad Shahid

TITLE
Chairman
TENURE
3.6 yrs

Mohammad Cheema

TITLE
Vice Chairman
TENURE
3.5 yrs

Imad Tahir

TITLE
Director

Muhammad Asghar

TITLE
Director
TENURE
3.6 yrs

Imam Baloch

TITLE
Independent Director
TENURE
2.7 yrs

Muhammad Shaikh

TITLE
Director

Syed Rahat Shah

TITLE
Director
TENURE
3.6 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (PKR) Value (PKR)
X
Management checks
We assess Apna Microfinance Bank's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Apna Microfinance Bank has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Apna Microfinance Bank Limited provides microfinance services to the poor and underserved segment of the society comprising women and micro-entrepreneurs in the agri and micro enterprises in rural areas of Pakistan. The company offers various deposit products, including current and savings accounts, and term deposits, as well as special deposits; various loan products; SMS and mobile banking services; and utility bill payment services. It has 123 business locations, including 116 branches and 7 service centers. The company was incorporated in 2003 and is headquartered in Lahore, Pakistan. Apna Microfinance Bank Limited is a subsidiary of United International Group (Pvt) Ltd.

Details
Name: Apna Microfinance Bank Limited
AMBL
Exchange: KASE
Founded: 2003
PKR8,637,462,395
343,984,962
Website: http://www.apnabank.com.pk
Address: Apna Microfinance Bank Limited
23-A, Sundar Das Road,
Zaman Park,
Lahore,
Pakistan
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
KASE AMBL Ordinary Shares Pakistan Stock Exchange Limited PK PKR 21. Feb 2007
Number of employees
Current staff
Staff numbers
1,121
Apna Microfinance Bank employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/07 15:54
End of day share price update: 2020/04/03 00:00
Last earnings filing: 2020/03/31
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.