ABHI Bank reported a profit after tax of PKR 1.502 billion for the six months concluded June 30, 2026, compared to PKR 1.019 billion for the full year ended December 31, 2025, meaning the Bank has already surpassed its entire 2025 profit in just six months. The Bank’s profit after tax also climbed significantly from PKR 200.2 million during the corresponding period last year, marking another record performance for the Bank and reflecting continued progress in its transformation and growth journey.
The improvement in profitability was supported by robust balance sheet expansion, higher earning assets, increased deposit mobilization, improved recoveries, and continued focus on risk management and operational discipline. The Bank’s total assets crossed the PKR 100 billion milestone, reaching PKR 101.55 billion as of June 30, 2026, representing approximately 32% growth from PKR 76.80 billion on December 31, 2025. Gross advances increased to PKR 50.07 billion, compared to PKR 38.16 billion at year-end 2025.
The Bank’s funding base also recorded significant expansion during the period, with deposits increasing to PKR 86.19 billion from PKR 69.09 billion on December 31, 2025, representing approximately 25% growth. The increase reflects continued deposit mobilization and strengthening of the Bank’s customer franchise.
The Bank’s revenue profile strengthened significantly during the first half of 2026, with revenue increasing to PKR 10.52 billion from PKR 5.84 billion during the corresponding period of 2025, representing a robust 80.1% growth year-on-year. Notably, the revenue generated during the first six months of 2026 has already reached approximately 74% of the PKR 14.25 billion revenue recorded for the entire year of 2025, reflecting the strong momentum in the Bank’s financial performance.
Asset quality and credit risk management remained key areas of focus during the period. The Bank’s capital position also improved materially during the first half of 2026. Shareholders’ equity increased to PKR 3.11 billion as of June 30, 2026, compared to a negative equity position of PKR 397 million at December 31, 2025. The improvement was driven by strong profitability together with the recognition of PKR 2.0 billion as Advance Against Issuance of Shares.
What happened
The period also saw continued investment in technology, infrastructure, digital capabilities, residents, and control functions to support the Bank’s expansion.
The Bank’s financial statements for the six months ended June 30, 2026, received an unmodified audit opinion from its independent auditors, Baker Tilly Mehmood Idrees Qamar, Chartered Accountants. According to The auditors, the financial statements give a true and fair view of the Bank’s financial position and performance and conform with the applicable accounting and reporting standards in Pakistan, the Businesses Act, 2017, the Microfinance Institutions Ordinance, 2001, and directives issued by the State Bank of Pakistan.
With stronger profitability, a balance sheet exceeding PKR 100 billion, a growing deposit base, expanded lending portfolio, strengthened equity position, and continued investment in digital and operational capabilities, ABHI Microfinance Bank enters the second half of 2026 with a stronger foundation for sustainable growth. Having already surpassed its full-year 2025 profit in the first six months of 2026, the Bank remains focused on building on this momentum and delivering an even stronger performance by year-end.
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