ABHI Bank reported a profit after tax of Rs1.502 billion for the six months ended June 30, 2026, compared to Rs1.019 billion for the full year ended Dec 31, 2025, meaning the bank has already surpassed its entire 2025 profit in just six months. The bank’s profit after tax also increased significantly from Rs200.2 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 strong balance sheet expansion, higher earning assets, increased deposit mobilisation, improved recoveries and continued focus on risk management and operational discipline. The bank’s total assets crossed the Rs100 billion milestone, reaching Rs101.55 billion as of June 30, 2026, representing approximately 32 per cent growth from Rs76.80 billion on Dec 31, 2025. Gross advances increased to Rs50.07 billion, compared to Rs38.16 billion at year-end 2025.

The bank’s funding base also recorded significant growth during the period, with deposits increasing to Rs86.19 billion from Rs69.09 billion on Dec 31, 2025, representing approximately 25 per cent growth. The increase reflects continued deposit mobilisation 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 Rs10.52 billion from Rs5.84 billion during the corresponding period of 2025, representing a robust 80.1 per cent growth year-on-year. Notably, the revenue generated during the first six months of 2026 has already reached approximately 74 per cent of the Rs14.25 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 Rs3.11 billion as of June 30, 2026, compared to a negative equity position of Rs397 million at Dec 31, 2025. The improvement was driven by strong profitability together with the recognition of Rs2.0 billion as Advance Against Issuance of Shares.

The period also saw continued investment in technology, infrastructure, digital capabilities, people and control functions to support the bank’s growth.

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. The auditors stated that 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 Companies Act, 2017, the Microfinance Institutions Ordinance, 2001 and directives issued by the State Bank of Pakistan.

With stronger profitability, a balance sheet exceeding Rs100 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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