ABL Allied Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 171.13 -0.36%
Annual · FY2006 – FY2025
Allied Bank Limited (ABL) income statement
Allied Bank Limited reported total income of Rs 135.2 bn for FY2025 (Jan – Dec 2025), down 5.9% on FY2024. Net interest income was Rs 108.0 bn, down 8.8% on FY2024, with non-interest income of Rs 27.2 bn. Tax of Rs 39.5 bn took 52.1% of pre-tax profit. Profit attributable to shareholders was Rs 36.3 bn, down 18.2% on FY2024, or Rs 31.73 per share.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 300.2 | 379.9 | 360.6 | 218.6 | 121.0 | 112.3 | 124.5 | 76.1 | 69.0 | 68.4 | 75.7 | 70.5 | 57.6 | 57.9 | 54.5 | 46.1 | 42.5 | 32.0 | 21.3 | 18.7 |
| Interest expense | (192.2) | (261.5) | (244.1) | (148.8) | (73.1) | (62.2) | (81.1) | (41.2) | (34.1) | (31.3) | (36.0) | (38.8) | (32.6) | (31.2) | (26.7) | (22.5) | (22.4) | (17.3) | (10.0) | (6.8) |
| Net interest income | 108.0 | 118.4 | 116.5 | 69.8 | 47.9 | 50.2 | 43.4 | 34.9 | 34.8 | 37.0 | 39.7 | 31.7 | 25.1 | 26.8 | 27.8 | 23.7 | 20.1 | 14.8 | 11.3 | 11.9 |
| Fee & commission income (net) | 19.1 | 16.2 | 11.8 | 9.0 | 7.6 | 6.2 | 5.7 | 5.0 | 4.6 | 4.5 | 4.0 | 3.6 | 3.3 | 2.9 | 3.0 | 2.6 | 2.8 | 2.3 | 2.1 | 1.4 |
| Foreign exchange income | 5.2 | 6.7 | 9.2 | 7.9 | 2.0 | 1.7 | 2.0 | 1.5 | 0.8 | 0.6 | 0.8 | 0.5 | 0.6 | 0.6 | 0.6 | 0.4 | 0.8 | 1.0 | 0.2 | 0.3 |
| Gain / (loss) on securities | 2.9 | 2.5 | 0.9 | 1.4 | 4.3 | 3.5 | 1.8 | 2.3 | 0.6 | 2.9 | 0.9 | 4.5 | 1.3 | 2.0 | 0.9 | 1.4 | 1.1 | 0.2 | 1.4 | 0.3 |
| Total non-interest income | 27.2 | 25.3 | 21.9 | 18.3 | 13.9 | 11.3 | 9.5 | 8.8 | 5.9 | 8.0 | 5.8 | 8.5 | 5.3 | 5.5 | 4.5 | 4.5 | 4.7 | 3.4 | 3.7 | 2.0 |
| Total income | 135.2 | 143.7 | 138.4 | 88.1 | 61.8 | 61.5 | 52.9 | 43.8 | 40.8 | 45.0 | 45.5 | 40.2 | 30.4 | 32.3 | 32.3 | 28.2 | 24.8 | 18.2 | 15.0 | 13.9 |
| Operating expenses | (62.7) | (59.6) | (50.5) | (41.0) | (33.4) | (31.3) | (27.6) | (22.3) | (19.8) | (20.8) | (17.9) | (18.4) | (15.6) | (16.8) | (7.5) | (6.9) | 5.9 | (4.0) | 3.0 | 4.6 |
| Provisions & impairment (loans) | (5.8) | (0.1) | 0.7 | (0.6) | (0.9) | 0.3 | (0.5) | (1.3) | (2.1) | (0.3) | (0.3) | 2.1 | 0.7 | 1.3 | 2.8 | 2.8 | 3.4 | 1.4 | 2.7 | 0.7 |
| Profit before tax | 75.8 | 89.7 | 86.8 | 46.8 | 28.7 | 30.0 | 24.7 | 21.2 | 21.1 | 24.2 | 25.8 | 22.4 | 14.9 | 16.1 | 15.3 | 12.4 | 10.6 | 6.1 | 6.0 | 6.7 |
| Taxation | (39.5) | (45.3) | (45.5) | (25.5) | (11.2) | (11.6) | (10.2) | (8.2) | (8.2) | (9.5) | (10.5) | (7.2) | (0.1) | (4.3) | (5.0) | (4.1) | (3.4) | (2.0) | (1.9) | (2.3) |
| Profit after tax | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 | 15.3 | 15.2 | 14.8 | 11.8 | 10.3 | 8.3 | 7.1 | 4.1 | 4.1 | 4.4 |
| Profit attributable to shareholders | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 | 15.3 | 15.2 | 14.8 | 11.8 | 10.3 | 8.3 | 7.1 | 4.1 | 4.1 | 4.4 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 | 13.37 | 13.28 | 12.91 | 10.35 | 8.96 | 7.23 | 6.24 | 3.58 | 3.56 | 3.84 |
| EPS – diluted (Rs) Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 | 13.37 | 13.28 | 12.91 | 10.35 | 8.96 | 7.23 | 6.24 | 3.58 | 3.56 | 3.84 |
| Dividend per share (Rs) Rs | 16.00 | 16.00 | 12.00 | 8.50 | 8.00 | 8.00 | 8.00 | 8.00 | 7.00 | 7.25 | 7.00 | 6.50 | 4.77 | 5.37 | 3.76 | 2.73 | 2.48 | 1.41 | 1.55 | 0.98 |
| Weighted average shares mn | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | -21.0% | +5.4% | +65.0% | +80.7% | +7.7% | -9.8% | +63.6% | +10.3% | +0.8% | -9.6% | +7.3% | +22.4% | -0.6% | +6.3% | +18.2% | +8.5% | +32.8% | +50.0% | +14.3% | — |
| Interest expense | -26.5% | +7.1% | +64.1% | +103.5% | +17.6% | -23.4% | +97.1% | +20.6% | +8.9% | -12.9% | -7.4% | +19.2% | +4.4% | +16.8% | +18.8% | +0.2% | +29.9% | +72.3% | +47.5% | — |
| Net interest income | -8.8% | +1.7% | +66.8% | +45.8% | -4.6% | +15.6% | +24.2% | +0.3% | -6.0% | -6.7% | +25.3% | +26.4% | -6.4% | -3.8% | +17.5% | +17.7% | +36.2% | +30.3% | -4.7% | — |
| Fee & commission income (net) | +17.8% | +36.6% | +32.3% | +17.9% | +22.8% | +8.4% | +14.5% | +9.2% | +1.9% | +11.1% | +11.0% | +8.7% | +13.6% | -2.5% | +14.0% | -5.5% | +21.0% | +12.2% | +52.4% | — |
| Foreign exchange income | -22.4% | -27.0% | +15.3% | +302.8% | +18.6% | -16.5% | +32.4% | +97.4% | +18.1% | -23.0% | +83.6% | -27.7% | +5.6% | -6.9% | +53.6% | -45.1% | -20.5% | +392.1% | -31.0% | — |
| Gain / (loss) on securities | +19.3% | +185.0% | -38.0% | -67.6% | +23.5% | +97.7% | -24.0% | +279.4% | -78.7% | +213.7% | -79.5% | +235.5% | -33.5% | +128.4% | -38.9% | +30.1% | +616.2% | -89.3% | +314.9% | — |
| Total non-interest income | +7.3% | +15.7% | +19.7% | +31.8% | +22.5% | +19.8% | +7.4% | +48.3% | -25.7% | +38.2% | -32.3% | +61.2% | -4.3% | +22.2% | +0.8% | -3.6% | +36.1% | -7.2% | +86.4% | — |
| Total income | -5.9% | +3.9% | +57.1% | +42.6% | +0.4% | +16.3% | +20.8% | +7.3% | -9.5% | -1.0% | +13.0% | +32.5% | -6.0% | -0.1% | +14.9% | +13.7% | +36.2% | +21.0% | +8.3% | — |
| Operating expenses | +5.1% | +18.1% | +23.1% | +22.6% | +7.0% | +13.5% | +23.6% | +12.8% | -5.1% | +16.3% | -2.5% | +17.9% | -7.5% | +124.7% | +8.5% | — | -247.1% | — | — | — |
| Provisions & impairment (loans) | — | -111.0% | — | — | -366.6% | — | — | — | — | — | -113.6% | +224.1% | -48.9% | -54.2% | -0.5% | -18.9% | +150.5% | -49.3% | +277.2% | — |
| Profit before tax | -15.5% | +3.3% | +85.6% | +63.1% | -4.3% | +21.3% | +16.3% | +0.4% | -12.6% | -6.2% | +14.9% | +50.2% | -7.3% | +5.6% | +22.9% | +17.4% | +74.5% | +1.7% | -10.6% | — |
| Taxation | -12.9% | -0.4% | +78.2% | +128.4% | -3.6% | +13.6% | +24.5% | -0.2% | -13.3% | -9.4% | +44.7% | +4,782.1% | -96.5% | -14.7% | +21.1% | +20.7% | +74.3% | +4.6% | -17.1% | — |
| Profit after tax | -18.2% | +7.5% | +94.4% | +21.4% | -4.8% | +26.8% | +11.2% | +0.8% | -12.1% | -4.0% | +0.7% | +2.8% | +24.8% | +15.5% | +23.8% | +15.9% | +74.6% | +0.4% | -7.3% | — |
| Profit attributable to shareholders | -18.2% | +7.5% | +94.4% | +21.4% | -4.8% | +26.8% | +11.2% | +0.8% | -12.1% | -4.0% | +0.7% | +2.8% | +24.8% | +15.5% | +23.8% | +15.9% | +74.6% | +0.4% | -7.3% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -18.2% | +7.5% | +94.4% | +21.4% | -4.8% | +26.8% | +11.2% | +0.8% | -12.1% | -4.0% | +0.7% | +2.8% | +24.8% | +15.5% | +23.8% | +15.9% | +74.6% | +0.4% | -7.3% | — |
| EPS – diluted (Rs) | -18.2% | +7.5% | +94.4% | +21.4% | -4.8% | +26.8% | +11.2% | +0.8% | -12.1% | -4.0% | +0.7% | +2.8% | +24.8% | +15.5% | +23.8% | +15.9% | +74.6% | +0.4% | -7.3% | — |
| Dividend per share (Rs) | 0.0% | +33.3% | +41.2% | +6.3% | 0.0% | 0.0% | 0.0% | +14.3% | -3.4% | +3.6% | +7.7% | +36.2% | -11.2% | +43.0% | +37.5% | +10.0% | +76.0% | -9.1% | +58.4% | — |
| Weighted average shares | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 222.0% | 264.3% | 260.6% | 248.1% | 195.9% | 182.6% | 235.6% | 173.9% | 169.1% | 151.9% | 166.4% | 175.3% | 189.8% | 179.4% | 168.5% | 163.8% | 171.7% | 176.1% | 142.1% | 134.7% |
| Interest expense | (142.2%) | (182.0%) | (176.4%) | (168.9%) | (118.3%) | (101.1%) | (153.5%) | (94.1%) | (83.7%) | (69.6%) | (79.1%) | (96.5%) | (107.2%) | (96.5%) | (82.5%) | (79.8%) | (90.5%) | (94.9%) | (66.7%) | (49.0%) |
| Net interest income | 79.9% | 82.4% | 84.2% | 79.2% | 77.5% | 81.6% | 82.1% | 79.9% | 85.4% | 82.3% | 87.3% | 78.8% | 82.5% | 82.9% | 86.0% | 84.0% | 81.2% | 81.2% | 75.4% | 85.7% |
| Fee & commission income (net) | 14.1% | 11.3% | 8.6% | 10.2% | 12.3% | 10.1% | 10.8% | 11.4% | 11.2% | 9.9% | 8.9% | 9.0% | 11.0% | 9.1% | 9.3% | 9.4% | 11.3% | 12.7% | 13.7% | 9.8% |
| Foreign exchange income | 3.8% | 4.7% | 6.6% | 9.0% | 3.2% | 2.7% | 3.8% | 3.4% | 1.9% | 1.4% | 1.8% | 1.1% | 2.1% | 1.9% | 2.0% | 1.5% | 3.1% | 5.3% | 1.3% | 2.0% |
| Gain / (loss) on securities | 2.2% | 1.7% | 0.6% | 1.6% | 7.0% | 5.7% | 3.3% | 5.3% | 1.5% | 6.4% | 2.0% | 11.1% | 4.4% | 6.2% | 2.7% | 5.1% | 4.4% | 0.8% | 9.6% | 2.5% |
| Total non-interest income | 20.1% | 17.6% | 15.8% | 20.8% | 22.5% | 18.4% | 17.9% | 20.1% | 14.6% | 17.7% | 12.7% | 21.2% | 17.5% | 17.1% | 14.0% | 16.0% | 18.8% | 18.8% | 24.6% | 14.3% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (46.4%) | (41.5%) | (36.5%) | (46.6%) | (54.2%) | (50.8%) | (52.1%) | (51.0%) | (48.5%) | (46.3%) | (39.4%) | (45.7%) | (51.3%) | (52.2%) | (23.2%) | (24.5%) | 23.9% | (22.1%) | 19.7% | 33.4% |
| Provisions & impairment (loans) | (4.3%) | (0.1%) | 0.5% | (0.6%) | (1.4%) | 0.5% | (1.0%) | (2.9%) | (5.2%) | (0.7%) | (0.6%) | 5.2% | 2.1% | 3.9% | 8.6% | 9.9% | 13.9% | 7.6% | 18.1% | 5.2% |
| Profit before tax | 56.1% | 62.4% | 62.7% | 53.1% | 46.4% | 48.7% | 46.7% | 48.5% | 51.9% | 53.7% | 56.7% | 55.8% | 49.2% | 49.9% | 47.2% | 44.1% | 42.7% | 33.3% | 39.6% | 48.0% |
| Taxation | (29.2%) | (31.5%) | (32.9%) | (29.0%) | (18.1%) | (18.9%) | (19.3%) | (18.7%) | (20.2%) | (21.0%) | (23.0%) | (18.0%) | (0.5%) | (13.2%) | (15.5%) | (14.7%) | (13.8%) | (10.8%) | (12.5%) | (16.3%) |
| Profit after tax | 26.9% | 30.9% | 29.9% | 24.1% | 28.3% | 29.9% | 27.4% | 29.8% | 31.7% | 32.6% | 33.7% | 37.8% | 48.7% | 36.7% | 31.7% | 29.4% | 28.9% | 22.5% | 27.1% | 31.7% |
| Profit attributable to shareholders | 26.9% | 30.9% | 29.9% | 24.1% | 28.3% | 29.9% | 27.4% | 29.8% | 31.7% | 32.6% | 33.7% | 37.8% | 48.7% | 36.7% | 31.7% | 29.4% | 28.9% | 22.5% | 27.1% | 31.7% |
Each line as a percentage of total income.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 150
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 108.0 | 118.4 | 116.5 | 69.8 | 47.9 | 50.2 | 43.4 | 34.9 | 34.8 | 37.0 |
| Interest & Dividend Income - Finance - Total | 300.2 | 379.9 | 360.6 | 218.6 | 121.0 | 112.3 | 124.5 | 76.1 | 69.0 | 68.4 |
| Interest Income - Loans/Deposits | 86.8 | 142.9 | 145.9 | 77.0 | 36.2 | 44.5 | 58.6 | 36.1 | 24.1 | 21.5 |
| Interest & Fees on Loans & Receivables | 82.5 | 137.9 | 139.4 | 72.9 | 35.1 | 43.0 | 49.6 | 29.7 | 23.7 | 21.3 |
| Interest Income - Deposits to Other Financial Institutions | 4.3 | 4.9 | 6.5 | 4.2 | 1.1 | 1.5 | 9.0 | 6.4 | 0.4 | 0.2 |
| Interest & Dividend Income - Other - Finance | 2.9 | 3.0 | 3.5 | 3.1 | 2.3 | 1.8 | 1.9 | 2.8 | 3.3 | 3.9 |
| Interest & Dividend Income - Investment Securities - Finance | 210.6 | 234.1 | 211.1 | 138.4 | 82.5 | 66.1 | 64.1 | 37.2 | 41.6 | 43.0 |
| Net Commission & Fees Income/Expense - Business Revenue | 19.1 | 16.2 | 11.8 | 9.0 | 7.6 | 6.2 | 5.7 | 5.0 | 4.6 | 4.5 |
| Fees & Commissions Income | 19.1 | 16.2 | 11.8 | 9.0 | 7.6 | 6.2 | 5.7 | 5.0 | 4.6 | 4.5 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 210.6 | 234.1 | 211.1 | 138.4 | 82.5 | 66.1 | 64.1 | 37.2 | 41.6 | 43.0 |
| Investments & Loans - Business - Gain/(Loss) | 3.0 | 2.5 | 0.9 | 1.4 | 4.3 | 3.5 | 1.8 | 2.3 | 0.6 | 2.9 |
| Interest Expense - Finance - Total | 192.2 | 261.5 | 244.1 | 148.8 | 73.1 | 62.2 | 81.1 | 41.2 | 34.1 | 31.3 |
| Interest Expense - Operational Financing - Business | 131.2 | 198.8 | 175.0 | 103.5 | 47.6 | 54.2 | 64.9 | 31.6 | 25.2 | 29.6 |
| Interest Expense - Deposits | 127.1 | 193.0 | 169.4 | 99.7 | 43.4 | 48.9 | 58.8 | 30.1 | 23.9 | 23.6 |
| Investment Securities - Business - Gain/(Loss) | 2.9 | 2.5 | 0.9 | 1.4 | 4.3 | 3.5 | 1.8 | 2.3 | 0.6 | 2.9 |
| Interest Expense - Collateralized Financing | — | — | — | — | — | — | — | — | — | 5.0 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 2.9 | 2.4 | 0.9 | 1.4 | 4.4 | 3.5 | 1.6 | 2.4 | 0.7 | 0.1 |
| Interest Expenses - Other - Total | 4.1 | 5.8 | 5.6 | 3.8 | 4.2 | 5.3 | 6.1 | 1.5 | 1.3 | 0.9 |
| Interest Expense - External Financing Business | 61.0 | 62.8 | 69.1 | 45.2 | 25.5 | 7.9 | 16.2 | 9.5 | 8.9 | 1.8 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 27.2 | 25.3 | 21.9 | 18.3 | 13.9 | 11.3 | 9.5 | 8.8 | 5.9 | 8.0 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 5.2 | 6.7 | 9.2 | 7.9 | 2.0 | 1.7 | 2.0 | 1.5 | 0.8 | 0.6 |
| Trading Investments/Trading Account Income - Gain/(Loss) | 0.1 | 0.0 | (0.1) | (0.0) | (0.1) | 0.0 | 0.1 | (0.1) | (0.0) | — |
| Trading Investments - Unrealized Gain/(Loss) | 0.1 | 0.0 | (0.1) | (0.0) | (0.1) | 0.0 | 0.1 | (0.1) | (0.0) | — |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | — | — | — | — | — | — | — | — | 2.7 |
| Settlement of Loans - Gain/(Loss) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — | — |
| Revenue from Business Activities - Total | 135.2 | 143.7 | 138.4 | 88.1 | 61.8 | 61.5 | 52.9 | 43.8 | 40.8 | 45.0 |
| Selling, General & Administrative Expenses - Total | 68.3 | 59.2 | 49.5 | 41.2 | 34.3 | 30.9 | 27.8 | 23.6 | 22.2 | 21.1 |
| Selling, General & Administrative Expenses - Unclassified | 26.4 | 23.8 | 19.6 | 14.7 | 10.9 | 9.6 | 8.7 | 9.8 | 6.2 | 7.1 |
| Depreciation in Selling, General & Administrative Expenses | 10.0 | 8.5 | 6.5 | 5.9 | 5.4 | 5.0 | 4.8 | 2.7 | 2.2 | 2.2 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.7 | 0.6 | 0.6 | 0.5 | 0.4 | 0.3 | 0.2 | 0.4 | 0.3 | — |
| Other Operating Expense/(Income) - Net | 0.1 | 0.5 | 0.4 | 0.3 | 0.0 | 0.0 | 0.3 | (0.0) | (0.3) | 0.1 |
| Other Operating Income - Total | 0.0 | 0.0 | 0.1 | 0.0 | 0.2 | 0.0 | 0.0 | 0.2 | 0.0 | 0.1 |
| Operating Expenses - Total | 62.7 | 59.6 | 50.5 | 41.0 | 33.4 | 31.3 | 27.6 | 22.3 | 19.8 | 20.8 |
| Provision & Impairment for Loan Losses | (5.8) | (0.1) | 0.7 | (0.6) | (0.9) | 0.3 | (0.5) | (1.3) | (2.1) | (0.3) |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 26.6 | 22.5 | 21.1 | 18.6 | 16.3 | 15.0 | 13.0 | 10.0 | 12.9 | 11.2 |
| Selling, General & Administrative Expenses - Other - Total | 4.7 | 3.8 | 1.6 | 1.6 | 1.3 | 1.0 | 1.0 | 0.7 | 0.6 | 0.6 |
| Advertising Expense | 4.1 | 3.3 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 | 0.7 | 0.6 | 0.6 |
| Rental Expense | 0.5 | 0.4 | 0.4 | 0.3 | 0.3 | 0.3 | 0.3 | — | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 72.5 | 84.1 | 87.9 | 47.1 | 28.3 | 30.2 | 25.3 | 21.4 | 21.0 | 24.2 |
| Other Operating Expense | 0.4 | 0.3 | 0.2 | 0.4 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 |
| Operating Provisions - Increase/(Decrease) | (0.2) | 0.2 | 0.2 | 0.0 | 0.1 | (0.1) | 0.1 | 0.1 | (0.4) | 0.1 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.8 | 1.0 | 0.0 | 0.0 | 0.4 | 0.3 | 0.4 | 0.1 | 0.2 | 0.0 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.7 | 0.8 | 1.0 | (0.0) | — | — | — | — | — | — |
| Normalized Pre-tax Profit | 74.0 | 85.9 | 88.9 | 47.1 | 28.7 | 30.6 | 25.7 | 21.5 | 21.2 | 24.3 |
| Non-Recurring Income/Expense - Total | 1.8 | 3.8 | (2.1) | (0.3) | 0.0 | (0.6) | (1.0) | (0.3) | (0.0) | (0.1) |
| Impairment - Tangible & Intangible Fixed Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Fixed Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Financial Investments | (1.6) | (2.8) | 2.1 | 0.3 | (0.0) | 0.6 | 1.0 | 0.1 | 0.0 | 0.1 |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.2 | — | — | — | — | — | — | — | — | — |
| Fair Value Adjustments - Financial Investments | (0.0) | 1.0 | (0.0) | 0.0 | — | — | — | — | — | — |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | — | — | — | (0.2) | 0.0 | — |
| Income before Taxes | 75.8 | 89.7 | 86.8 | 46.8 | 28.7 | 30.0 | 24.7 | 21.2 | 21.1 | 24.2 |
| Income Taxes | 39.5 | 45.3 | 45.5 | 25.5 | 11.2 | 11.6 | 10.2 | 8.2 | 8.2 | 9.5 |
| Income Taxes for the Year - Current | 38.2 | 46.0 | 46.3 | 26.2 | 11.6 | 12.1 | 10.1 | 7.8 | 8.3 | 9.5 |
| Income Taxes - Domestic - Current | 36.8 | 48.4 | 43.4 | 24.2 | 11.6 | 12.1 | 9.3 | 7.8 | 7.4 | 8.6 |
| Income Taxes - Other (KFAS/NLST) - Current | 1.3 | (2.4) | 3.0 | 2.0 | 0.0 | 0.0 | 0.8 | (0.0) | 1.0 | 0.9 |
| Income Taxes - Deferred | 1.3 | (0.6) | (0.8) | (0.7) | (0.5) | (0.5) | 0.1 | 0.4 | (0.1) | (0.0) |
| Net Income after Tax | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Income before Discontinued Operations & Extraordinary Items | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Net Income before Minority Interest | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Net Income after Minority Interest | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Income Available to Common Shares | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Other Comprehensive Income - Starting Line | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | — |
| Other Comprehensive Income - Foreign Currency | 0.4 | 0.2 | 2.5 | 2.5 | 0.8 | 0.2 | 0.6 | 1.0 | 0.2 | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | 11.4 | 8.9 | 11.3 | (14.0) | (9.0) | (2.6) | 2.2 | (5.3) | (7.6) | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | (0.4) | (0.0) | 23.6 | (0.1) | 0.2 | 5.9 | 0.8 | 0.4 | 9.7 | — |
| Other Comprehensive Income - Pension Related | 0.2 | 0.6 | 0.5 | 0.1 | 0.2 | (0.8) | (0.5) | 0.5 | (1.0) | — |
| Other Comprehensive Income - Net of Tax - Total | 11.6 | 9.7 | 37.8 | (11.5) | (7.9) | 2.8 | 3.1 | (3.4) | 1.3 | — |
| Comprehensive Income before Minority Interest - Total | 47.9 | 54.0 | 79.1 | 9.8 | 9.6 | 21.1 | 17.6 | 9.6 | 14.3 | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 47.9 | 54.0 | 79.1 | 9.8 | 9.6 | 21.1 | 17.6 | 9.6 | 14.3 | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 16.00 | 16.00 | 12.00 | 8.50 | 8.00 | 8.00 | 8.00 | 8.00 | 7.00 | 7.25 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Income available to Common excluding Extraordinary Items | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Shares used to calculate Basic EPS - Total mn | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 30.17 | 35.46 | 37.89 | 18.80 | 15.28 | 16.56 | 13.51 | 11.63 | 11.30 | 12.90 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Basic EPS - Issue Specific mn | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 30.17 | 35.46 | 37.89 | 18.80 | 15.28 | 16.56 | 13.51 | 11.63 | 11.30 | 12.90 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | 41.85 | 47.20 | 69.07 | 8.54 | 8.40 | 18.46 | 15.35 | 8.40 | 12.44 | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Diluted Income available to Common excluding Extraordinary Items | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Shares used to calculate Diluted EPS - Total mn | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 30.17 | 35.46 | 37.89 | 18.80 | 15.28 | 16.56 | 13.51 | 11.63 | 11.30 | 12.90 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 | 1,145.1 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 31.73 | 38.77 | 36.07 | 18.56 | 15.29 | 16.05 | 12.65 | 11.38 | 11.29 | 12.84 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 30.17 | 35.46 | 37.89 | 18.80 | 15.28 | 16.56 | 13.51 | 11.63 | 11.30 | 12.90 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | 41.85 | 47.20 | 69.07 | 8.54 | 8.40 | 18.46 | 15.35 | 8.40 | 12.44 | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 16.00 | 16.00 | 10.50 | 8.00 | 12.00 | 4.00 | 8.00 | 7.75 | 7.00 | 7.25 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 14.40 | 14.40 | 9.45 | 7.20 | 10.80 | 3.60 | 7.20 | 6.98 | 6.30 | 6.53 |
| Earnings before Interest & Taxes (EBIT) | 72.5 | 84.1 | 87.9 | 47.1 | 28.3 | 30.2 | 25.3 | 21.4 | 21.0 | 24.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 83.2 | 93.3 | 95.0 | 53.5 | 34.1 | 35.5 | 30.3 | 25.0 | 23.7 | 26.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 83.7 | 93.7 | 95.4 | 53.8 | 34.4 | 35.8 | 30.6 | — | — | — |
| Depreciation & Amortization - Supplemental | 10.7 | 9.2 | 7.1 | 6.4 | 5.8 | 5.3 | 5.0 | 3.1 | 2.5 | 2.2 |
| Depreciation Expense - Total - Supplemental | 10.0 | 8.5 | 6.5 | 5.8 | 5.4 | 5.0 | 4.8 | 2.7 | 2.2 | 1.9 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 2.0 | 1.9 | 1.8 | 1.7 | 1.7 | 1.7 | 1.6 | — | — | — |
| Amortization - Total - Supplemental | 0.7 | 0.6 | 0.6 | 0.5 | 0.4 | 0.3 | 0.2 | 0.4 | 0.3 | 0.3 |
| Intangible Amortization - Other - Supplemental | — | — | — | — | — | — | — | — | — | 0.3 |
| Amortization of Computer Software - Supplemental | — | — | — | — | — | — | — | — | — | 0.3 |
| Depreciation, Depletion & Amortization - Total | 10.7 | 9.2 | 7.1 | 6.4 | 5.8 | 5.3 | 5.0 | 3.5 | 2.7 | 2.2 |
| Depreciation - Total | 10.0 | 8.5 | 6.5 | 5.9 | 5.4 | 5.0 | 4.8 | 3.1 | 2.4 | 1.9 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.7 | 0.6 | 0.6 | 0.5 | 0.4 | 0.3 | 0.2 | 0.4 | 0.3 | 0.3 |
| Labor & Related Expenses - Total | 26.6 | 22.5 | 21.1 | 18.6 | 16.3 | 15.0 | 13.0 | 10.0 | 12.9 | 11.2 |
| Labor & Related Expenses - Supplemental | 26.6 | 22.5 | 21.1 | 18.6 | 16.3 | 15.0 | 13.0 | 10.0 | 12.9 | 11.2 |
| Auditor Fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Audit-Related Fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Tax Fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Fees - Other | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized after Tax Profit | 34.5 | 40.6 | 43.4 | 21.5 | 17.5 | 19.0 | 15.5 | 13.3 | 12.9 | 14.8 |
| Normalized Net Income from Continuing Operations | 34.5 | 40.6 | 43.4 | 21.5 | 17.5 | 19.0 | 15.5 | 13.3 | 12.9 | 14.8 |
| Normalized Net Income - Bottom Line | 34.5 | 40.6 | 43.4 | 21.5 | 17.5 | 19.0 | 15.5 | 13.3 | 12.9 | 14.8 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 74.0 | 85.9 | 88.9 | 47.1 | 28.7 | 30.6 | 25.7 | 21.5 | 21.2 | 24.3 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 84.7 | 95.1 | 96.0 | 53.5 | 34.5 | 35.9 | 30.7 | 25.0 | 23.8 | 26.5 |
| Loan Losses - Net | (0.0) | (0.0) | (0.0) | 0.5 | 0.0 | 1.7 | (0.4) | (1.1) | (2.0) | (0.3) |
| Loan Recoveries - Actual | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 1.0 | 1.6 | 2.3 | 2.2 |
| Depreciation of Financial Lease Right-of-Use Assets | 2.0 | 1.9 | 1.8 | 1.7 | 1.7 | 1.7 | 1.6 | — | — | — |
| Loan Losses - Actual | 0.0 | 0.0 | 0.0 | 0.5 | 0.1 | 1.8 | 0.6 | 0.5 | 0.4 | 1.8 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 1.5 | 1.3 | 1.2 | 1.0 | 0.9 | 1.0 | 1.0 | — | — | — |
| Rental/Operating Lease Expense | 0.5 | 0.4 | 0.4 | 0.3 | 0.3 | 0.3 | 0.3 | — | — | — |
| Advertising Expenses - Supplemental | 4.1 | 3.3 | 1.3 | 1.2 | 1.0 | 0.8 | 0.7 | 0.7 | 0.6 | 0.6 |
| Interest Expense | 192.2 | 261.5 | 244.1 | 148.8 | 73.1 | 62.2 | 81.1 | 41.2 | 34.1 | 31.3 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 113.8 | 118.5 | 115.8 | 70.4 | 48.7 | 49.8 | 43.9 | 36.2 | 37.0 | 37.4 |
| Revenue after Loan Provisions - Net - Finance | 306.0 | 380.0 | 359.9 | 219.1 | 121.8 | 112.0 | 125.1 | 77.4 | 71.1 | 68.7 |
| Operating Expenses | 62.7 | 59.6 | 50.5 | 41.0 | 33.4 | 31.3 | 27.6 | 22.3 | 19.8 | 20.8 |
| Foreign Exchange Gain/(Loss) | 5.2 | 6.7 | 9.2 | 7.9 | 2.0 | 1.7 | 2.0 | 1.5 | 0.8 | 0.6 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 68.3 | 59.2 | 49.5 | 41.2 | 34.3 | 30.9 | 27.8 | 23.6 | 22.2 | 21.1 |
| Investment Gain/(Loss) | 5.8 | 5.5 | 4.4 | 4.5 | 6.6 | 5.3 | 3.7 | 5.1 | 3.9 | 6.6 |
| Non-Interest Expense - Bank | 65.2 | 54.1 | 50.9 | 41.9 | 33.9 | 31.2 | 28.7 | 23.8 | 21.8 | 21.2 |
| Income before Taxes & Provision for Loan Losses | 70.0 | 89.6 | 87.5 | 46.2 | 27.8 | 30.3 | 24.2 | 19.9 | 19.0 | 23.8 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 16.00 | 16.00 | 10.50 | 8.00 | 12.00 | 4.00 | 8.00 | 7.75 | 7.00 | 7.25 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 16.00 | 16.00 | 10.50 | 8.00 | 12.00 | 4.00 | 8.00 | 7.75 | 7.00 | 7.25 |
| Tax Adjusted Operating Income | 36.3 | 44.4 | 41.3 | 21.2 | 17.5 | 18.4 | 14.5 | 13.0 | 12.9 | 14.7 |
| Operating Expenses excluding Non-Cash Charges - Total | 52.0 | 50.4 | 43.3 | 34.6 | 27.6 | 26.0 | 22.5 | 18.8 | 17.1 | 18.6 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 135.2 | 143.7 | 138.4 | 88.1 | 61.8 | 61.5 | 52.9 | 43.8 | 40.8 | 45.0 |
| Income from Earning Assets | 308.4 | 389.1 | 370.5 | 227.9 | 127.2 | 117.5 | 128.4 | 79.9 | 70.3 | 71.9 |
| Income Available to Common Shares before Depreciation & Amortization | 47.0 | 53.6 | 48.4 | 27.6 | 23.3 | 23.7 | 19.5 | 16.6 | 15.6 | 16.9 |
| Commissions and Fees | 19.1 | 16.2 | 11.8 | 9.0 | 7.6 | 6.2 | 5.7 | 5.0 | 4.6 | 4.5 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.35× | 0.30× | 0.30× | 0.31× | 0.32× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 16.00 | 16.00 | 10.50 | 8.00 | 12.00 | 4.00 | 8.00 | 7.75 | 7.00 | 7.25 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.