ABHI releases financial report

ABHI Microfinance Bank Limited closed 2025 with a profit after tax of Rs1.02 billion, compared to a loss of Rs 1.754bn in 2024, marking a recovery in the bank’s financial performance, as per a press release.

The bank’s total assets increased to Rs77.066bn, compared to Rs40.353bn in 2024 primarily due to a significant expansion in advances, which nearly doubled to Rs37.556bn from Rs18.387bn a year earlier, translating to a percentage increase of 104.25pc. The increase in the loan book was fuelled by a healthy increase in deposits, rising to Rs69.088bn from Rs36.226bn in 2024 — a percentage increase of 90.71pc. This helped strenghten the bank’s fundig base and supported liquidity during a year in which the braoder microfinance sector continued to operate in a challenging credit and inflationary environment.

The year also saw continued investment in governance, compliance, risk management, and internal controls. The Bank strengthened internal audit coverage, compliance monitoring, AML/CFT frameworks, and regulatory alignment. These measures were aimed at improving operating discipline and supporting sustainable growth rather than short-term expansion. Digital banking remained an important part of the bank’s forward strategy.

During the year, the bank expanded its focus on digital lending, merchant financing, Earned Wage Access, automation, and technology-led customer access.

Further investment in technology will continue in the coming years. With stronger profitability, higher assets, improved deposits, expanded advances, better recoveries, and continued focus on digital capability, ABHI Microfinance Bank ended 2025 with a materially stronger financial and operational position after many years.

Published in Dawn, The Business and Finance Weekly, June 1st, 2026