About us


Apna Microfinance Bank managed by Group of highly experienced bankers committed and specialized in providing financial services to less privileged / marginal poor including economic empowerment of WOMEN & micro-entrepreneurs in the Agri and Micro enterprises in rural areas of Pakistan. It is a private commercial Microfinance bank, currently licensed by the State Bank of Pakistan under the Microfinance Ordinance 2001 to operate its operations nation-wide. Our main focus is to provide personalized services to the poor segment of the society through our dedicated Products that aims to change their lifestyle by entering them in micro-entrepreneurs at a lowest markup rate in the market. We aim to arrange capacity building of under-served masses by improving attitudes, skill, knowledge and ability to initiate and manage economically viable projects. We aim to provide finances, advances and other credit facilities for the development of agriculture and rural market sector including production, marketing and house finance facilities. To mobilize savings by accepting deposits in Savings and other specialized deposit products. We aim to combine the knowledge based with the modern management methodology, latest technology, sophisticated financial instruments, universal Micro-banking concepts and current corporate sciences. We aim to create and perpetuate a culture of balanced approach for the development of market related competitive and innovative financial services. Introducing a culture of innovation and excellence with a view to find the acceptable solutions to real and conceived impediments for promoting a true micro financial regime.

President's Message

I would like to give you a warm welcome to the APNA Microfinance Bank Ltd website. I would be glad to take this as opportunity to present our vision and our efforts to cater your financial prerequisites and necessities. It has been an eventful and interesting journey since our bank’s inception in 2012 and now has expanded its operations country-wide with 116 branches and 8 service Centers. AMBL directly employs over 1500 people supporting the individuals from low income group of the society enabling them to raise their life standards by either starting a new business or enhancing their existing business set-up. AMBL is the home of an exclusive group of committed and dedicated individuals who jointly, with their dedication, honesty, innovation and teamwork, contribute towards our collective success with a common goal of making the bank most credible and customer’s first choice among the microfinance industry. At AMBL, we are working passionately focusing to alleviate the poverty in Pakistan by serving the low income, less privileged, non-documented/unbanked sector of the society by providing the highest level of services with the most suitable products for their business needs with utmost transparency and professionalism. Every day we strive to improve our products and services, as well as to reduce our own operating cost, so as to be able to maintain competitive products and fast and friendly services to our valued customers throughout the country. On behalf of Apna Bank, I would like to extend my sincere appreciation to our customers and shareholders for their patronage, State Bank of Pakistan and other regulatory authorities for their continued support and off-course to our employees for their devotion and commitment for excellence. We will continue to grow and endeavor to serve you better Insha Allah. We wish to be your companion in the journey of success and prosperity till consciousness of your dreams as illustrated by our slogan “Khabon se khush haali tak”

Mr.Muhammad Gulistan Malik
President / CEO