Inv. Banks / Inv. Cos. / Securities Cos.
AMBL Apna Microfinance Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 19.50 +5.18%
Annual · FY2012 – FY2025
Apna Microfinance Bank Limited (AMBL) income statement
Apna Microfinance Bank Limited reported revenue of Rs 431.5 mn for FY2025 (Jan – Dec 2025). Finance cost was Rs 3.0 bn, down 24.7% on FY2024. The loss attributable to shareholders was Rs 1.6 bn, or Rs -3.84 per share.
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 431.5 | (962.4) | (50.2) | 792.0 | (436.5) | 2,029.1 | 1,810.7 | 1,533.7 | 925.4 | 831.4 | 299.5 | 169.9 | 92.2 | 35.2 |
| Operating expenses | (2,085.1) | (2,129.8) | (3,511.8) | (5,668.3) | (2,211.3) | (2,005.9) | (1,721.5) | (1,433.1) | (1,113.7) | (1,930.6) | (323.5) | (162.7) | (146.2) | (84.3) |
| Finance cost | (3,006.4) | (3,994.5) | (2,731.1) | (1,600.2) | (1,459.0) | (1,471.6) | (1,209.1) | (800.8) | (703.9) | (671.6) | (187.4) | (79.0) | (52.4) | (16.8) |
| Profit before tax | (1,648.1) | (3,100.0) | (3,560.3) | (4,876.0) | (2,643.1) | 23.4 | 89.3 | 100.5 | (188.3) | (1,097.6) | (24.3) | 8.7 | (52.1) | (48.8) |
| Taxation | 0.0 | 0.0 | (33.5) | 386.6 | 712.1 | (10.7) | (35.8) | (47.2) | 108.8 | 362.1 | (4.9) | (2.6) | (1.2) | (0.5) |
| Profit after tax | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) | (29.2) | 6.1 | (53.3) | (49.3) |
| Profit attributable to shareholders | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) | (29.2) | 6.1 | (53.3) | (49.3) |
| Per share | ||||||||||||||
| EPS – basic (Rs) Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.90) | (0.14) | 0.06 | (1.35) | (1.43) |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | -106.3% | — | -121.5% | +12.1% | +18.1% | +65.7% | +11.3% | +177.6% | +76.3% | +84.3% | +161.8% | — |
| Operating expenses | -2.1% | -39.4% | -38.0% | +156.3% | +10.2% | +16.5% | +20.1% | +28.7% | -42.3% | +496.9% | +98.8% | +11.3% | +73.4% | — |
| Finance cost | -24.7% | +46.3% | +70.7% | +9.7% | -0.9% | +21.7% | +51.0% | +13.8% | +4.8% | +258.3% | +137.4% | +50.8% | +212.2% | — |
| Profit before tax | — | — | — | — | -11,398.5% | -73.8% | -11.1% | — | — | — | -379.2% | — | — | — |
| Taxation | — | -100.0% | — | — | -6,785.9% | -70.3% | -24.2% | — | — | -7,535.4% | +89.2% | +114.3% | +139.3% | — |
| Profit after tax | — | — | — | — | -15,254.1% | -76.2% | +0.5% | — | — | — | -575.2% | — | — | — |
| Profit attributable to shareholders | — | — | — | — | -15,254.1% | -76.2% | +0.5% | — | — | — | -575.2% | — | — | — |
| Per share | ||||||||||||||
| EPS – basic (Rs) | — | — | — | — | -14,468.7% | -77.8% | -20.4% | — | — | — | -344.0% | — | — | — |
| Dividend per share (Rs) | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 100.0% | — | — | 100.0% | — | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (483.3%) | — | — | (715.7%) | — | (98.9%) | (95.1%) | (93.4%) | (120.3%) | (232.2%) | (108.0%) | (95.8%) | (158.6%) | (239.3%) |
| Finance cost | (696.8%) | — | — | (202.1%) | — | (72.5%) | (66.8%) | (52.2%) | (76.1%) | (80.8%) | (62.6%) | (46.5%) | (56.8%) | (47.6%) |
| Profit before tax | (382.0%) | — | — | (615.7%) | — | 1.2% | 4.9% | 6.6% | (20.3%) | (132.0%) | (8.1%) | 5.1% | (56.5%) | (138.6%) |
| Taxation | 0.0% | — | — | 48.8% | — | (0.5%) | (2.0%) | (3.1%) | 11.8% | 43.5% | (1.6%) | (1.5%) | (1.3%) | (1.4%) |
| Profit after tax | (382.0%) | — | — | (566.9%) | — | 0.6% | 3.0% | 3.5% | (8.6%) | (88.5%) | (9.8%) | 3.6% | (57.8%) | (140.0%) |
| Profit attributable to shareholders | (382.0%) | — | — | (566.9%) | — | 0.6% | 3.0% | 3.5% | (8.6%) | (88.5%) | (9.8%) | 3.6% | (57.8%) | (140.0%) |
Each line as a percentage of revenue.
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 101
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 145.8 | (1,185.7) | (204.2) | 665.8 | (550.6) | 1,946.7 | 1,690.7 | 1,357.0 | 874.0 | 770.0 |
| Interest & Dividend Income - Finance - Total | 3,152.2 | 2,808.8 | 2,526.9 | 2,266.0 | 908.4 | 3,418.3 | 2,899.8 | 2,157.8 | 1,578.0 | 1,441.5 |
| Interest Income - Loans/Deposits | 3,152.2 | 2,808.8 | 2,526.9 | 2,266.0 | 908.4 | 3,418.3 | 2,899.8 | 2,157.8 | 1,578.0 | 1,441.5 |
| Interest & Dividend Income - Other - Finance | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Commission & Fees Income/Expense - Business Revenue | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 | 82.4 | 120.0 | 176.6 | 51.4 | 61.5 |
| Fees & Commissions Income | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 | 82.4 | 120.0 | 176.6 | 51.4 | 61.5 |
| Interest Expense - Finance - Total | 3,006.4 | 3,994.5 | 2,731.1 | 1,600.2 | 1,459.0 | 1,471.6 | 1,209.1 | 800.8 | 703.9 | 671.6 |
| Interest Expense - Operational Financing - Business | 2,938.8 | 3,872.6 | 2,677.7 | 1,541.5 | 1,459.0 | 1,471.6 | 1,209.1 | 800.8 | 703.9 | 671.6 |
| Interest Expense - External Financing Business | 67.7 | 121.9 | 53.4 | 58.7 | — | — | — | — | — | — |
| Non-Interest Business Revenue/(Expense) - Net - Total | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 | 82.4 | 120.0 | 176.6 | 51.4 | 61.5 |
| Revenue from Business Activities - Total | 431.5 | (962.4) | (50.2) | 792.0 | (436.5) | 2,029.1 | 1,810.7 | 1,533.7 | 925.4 | 831.4 |
| Selling, General & Administrative Expenses - Total | 2,019.3 | 2,187.2 | 2,261.4 | 2,232.3 | 2,167.7 | 2,021.2 | 1,795.2 | 1,595.6 | 1,308.6 | 1,107.3 |
| Selling, General & Administrative Expenses - Unclassified | 1,795.5 | 1,902.8 | 1,914.2 | 1,954.4 | 1,868.3 | 1,729.1 | 1,702.4 | 1,515.0 | 1,238.9 | 1,040.0 |
| Depreciation in Selling, General & Administrative Expenses | 213.7 | 275.3 | 337.7 | 269.3 | 292.3 | 282.4 | 88.5 | 77.1 | 66.8 | 59.3 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 10.1 | 9.1 | 9.5 | 8.6 | 7.0 | 9.7 | 4.3 | 3.5 | 2.9 | 8.0 |
| Other Operating Expense/(Income) - Net | (12.0) | (22.1) | (54.7) | (42.7) | (42.1) | (85.7) | (366.5) | (250.1) | (63.7) | (22.6) |
| Other Operating Income - Total | 55.1 | 60.4 | — | — | — | — | 369.1 | 250.1 | 63.7 | 49.8 |
| Operating Expenses - Total | 2,085.1 | 2,129.8 | 3,511.8 | 5,668.3 | 2,211.3 | 2,005.9 | 1,721.5 | 1,433.1 | 1,113.7 | 1,930.6 |
| Provision & Impairment for Loan Losses | 77.8 | (35.4) | 1,305.0 | 3,478.8 | 85.7 | 70.4 | 292.9 | 87.5 | (131.2) | 845.9 |
| Operating Profit before Non-Recurring Income/(Expense) | (1,653.6) | (3,092.2) | (3,561.9) | (4,876.4) | (2,647.7) | 23.2 | 89.2 | 100.6 | (188.3) | (1,099.2) |
| Other Operating Expense | 43.1 | 38.3 | — | — | — | — | 2.6 | — | — | — |
| Operating Provisions - Increase/(Decrease) | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 27.3 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 5.6 | 4.1 | 1.6 | 0.4 | 4.6 | 0.2 | 0.2 | (0.1) | 0.0 | 0.7 |
| Normalized Pre-tax Profit | (1,648.1) | (3,088.0) | (3,560.3) | (4,876.0) | (2,643.1) | 23.4 | 89.3 | 100.5 | (188.3) | (1,098.5) |
| Non-Recurring Income/Expense - Total | 0.0 | (12.0) | — | — | — | — | — | — | — | 0.9 |
| Impairment - Tangible & Intangible Fixed Assets | 0.0 | 12.0 | — | — | — | — | — | — | — | — |
| Impairment - Fixed Assets | 0.0 | 12.0 | — | — | — | — | — | — | — | — |
| Fair Value Adjustments - Financial Investments | — | — | — | — | — | — | — | — | — | 0.9 |
| Income before Taxes | (1,648.1) | (3,100.0) | (3,560.3) | (4,876.0) | (2,643.1) | 23.4 | 89.3 | 100.5 | (188.3) | (1,097.6) |
| Income Taxes | 0.0 | 0.0 | 33.5 | (386.6) | (712.1) | 10.7 | 35.8 | 47.2 | (108.8) | (362.1) |
| Income Taxes for the Year - Current | 0.0 | 0.0 | 33.5 | 29.9 | 25.3 | 52.7 | 45.3 | 29.2 | 20.4 | 15.0 |
| Income Taxes - Deferred | 0.0 | 0.0 | 0.0 | (416.5) | (737.4) | (42.1) | (9.5) | 18.1 | (129.2) | (377.1) |
| Income Taxes - Other (by Type) | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Income after Tax | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Income before Discontinued Operations & Extraordinary Items | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Net Income before Minority Interest | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Net Income after Minority Interest | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Income Available to Common Shares | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Income available to Common excluding Extraordinary Items | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Shares used to calculate Basic EPS - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 | 378.4 | 352.2 | 279.0 | 254.1 | 253.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.90) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.90) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.91) |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| 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 | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 | 378.4 | 352.2 | 279.0 | 254.1 | 253.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.90) |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.90) |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.19 | (0.31) | (2.91) |
| 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 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Diluted Income available to Common excluding Extraordinary Items | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| Shares used to calculate Diluted EPS - Total mn | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 | 378.4 | 352.2 | 383.8 | 254.1 | 253.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.14 | (0.31) | (2.90) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.14 | (0.31) | (2.90) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.14 | (0.31) | (2.91) |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | (1,648.1) | (3,100.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (735.5) |
| 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 | 429.0 | 429.0 | 429.0 | 429.0 | 399.1 | 378.4 | 352.2 | 383.8 | 254.1 | 253.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.14 | (0.31) | (2.90) |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (3.84) | (7.23) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.14 | (0.31) | (2.90) |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | (3.84) | (7.20) | (8.38) | (10.47) | (4.84) | 0.03 | 0.15 | 0.14 | (0.31) | (2.91) |
| 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 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | (1,653.6) | (3,092.2) | (3,561.9) | (4,876.4) | (2,647.7) | 23.2 | 89.2 | 100.6 | (188.3) | (1,099.2) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | (1,429.8) | (2,807.7) | (3,214.7) | (4,598.5) | (2,348.4) | 315.4 | 182.0 | 181.2 | (118.6) | (1,031.9) |
| Depreciation & Amortization - Supplemental | 223.8 | 284.5 | 347.2 | 277.9 | 299.3 | 292.1 | 92.8 | 80.6 | 69.7 | 67.2 |
| Depreciation Expense - Total - Supplemental | 213.7 | 275.3 | 337.7 | 269.3 | 292.3 | 282.4 | 88.5 | 77.1 | 66.8 | 59.3 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 145.1 | 192.1 | 247.0 | 173.2 | 190.9 | 179.6 | — | — | — | — |
| Amortization - Total - Supplemental | 10.1 | 9.1 | 9.5 | 8.6 | 7.0 | 9.7 | 4.3 | 3.5 | 2.9 | 8.0 |
| Depreciation, Depletion & Amortization - Total | 223.8 | 284.5 | 347.2 | 277.9 | 299.3 | 292.1 | 92.8 | 80.6 | 69.7 | 67.2 |
| Depreciation - Total | 213.7 | 275.3 | 337.7 | 269.3 | 292.3 | 282.4 | 88.5 | 77.1 | 66.8 | 59.3 |
| Amortization of Intangible Assets excluding Goodwill - Total | 10.1 | 9.1 | 9.5 | 8.6 | 7.0 | 9.7 | 4.3 | 3.5 | 2.9 | 8.0 |
| Normalized after Tax Profit | (1,648.1) | (3,088.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (736.4) |
| Normalized Net Income from Continuing Operations | (1,648.1) | (3,088.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (736.4) |
| Normalized Net Income - Bottom Line | (1,648.1) | (3,088.0) | (3,593.8) | (4,489.4) | (1,931.0) | 12.7 | 53.5 | 53.3 | (79.5) | (736.4) |
| Earnings before Interest & Taxes (EBIT) - Normalized | (1,648.1) | (3,088.0) | (3,560.3) | (4,876.0) | (2,643.1) | 23.4 | 89.3 | 100.5 | (188.3) | (1,098.5) |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | (1,424.3) | (2,803.5) | (3,213.1) | (4,598.1) | (2,343.8) | 315.5 | 182.1 | 181.1 | (118.6) | (1,031.3) |
| Loan Recoveries - Actual | — | — | 6.6 | 57.0 | 21.8 | 21.6 | 0.7 | 0.8 | 0.3 | 1.2 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 67.7 | 121.9 | 53.4 | 58.7 | — | — | — | — | — | — |
| Interest Expense | 3,006.4 | 3,994.5 | 2,731.1 | 1,600.2 | 1,459.0 | 1,471.6 | 1,209.1 | 800.8 | 703.9 | 671.6 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 68.0 | (1,150.3) | (1,509.2) | (2,813.0) | (636.3) | 1,876.3 | 1,397.8 | 1,269.5 | 1,005.2 | (76.0) |
| Revenue after Loan Provisions - Net - Finance | 3,074.5 | 2,844.2 | 1,221.9 | (1,212.8) | 822.7 | 3,347.9 | 2,606.9 | 2,070.3 | 1,709.2 | 595.6 |
| Operating Expenses | 2,085.1 | 2,129.8 | 3,511.8 | 5,668.3 | 2,211.3 | 2,005.9 | 1,721.5 | 1,433.1 | 1,113.7 | 1,930.6 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 2,019.3 | 2,187.2 | 2,261.4 | 2,232.3 | 2,167.7 | 2,021.2 | 1,795.2 | 1,595.6 | 1,308.6 | 1,107.3 |
| Investment Gain/(Loss) | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 |
| Non-Interest Expense - Bank | 2,001.8 | 2,173.0 | 2,205.1 | 2,189.1 | 2,120.9 | 1,935.4 | 1,428.5 | 1,345.6 | 1,244.9 | 1,083.1 |
| Income before Taxes & Provision for Loan Losses | (1,570.3) | (3,135.4) | (2,255.3) | (1,397.2) | (2,557.4) | 93.8 | 382.2 | 188.0 | (319.5) | (251.7) |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | — | — | — | — | — | 12.7 | 53.5 | 53.3 | — | — |
| Operating Expenses excluding Non-Cash Charges - Total | 1,861.3 | 1,845.3 | 3,164.6 | 5,390.5 | 1,911.9 | 1,713.8 | 1,628.7 | 1,352.5 | 1,044.1 | 1,863.4 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 431.5 | (962.4) | (50.2) | 792.0 | (436.5) | 2,029.1 | 1,810.7 | 1,533.7 | 925.4 | 831.4 |
| Income from Earning Assets | 3,152.2 | 2,808.8 | 2,526.9 | 2,266.0 | 908.4 | 3,418.3 | 2,899.8 | 2,157.8 | 1,578.0 | 1,441.5 |
| Income Available to Common Shares before Depreciation & Amortization | (1,424.3) | (2,815.5) | (3,246.6) | (4,211.5) | (1,631.6) | 304.9 | 146.3 | 133.9 | (9.8) | (668.3) |
| Commissions and Fees | 285.7 | 223.3 | 154.0 | 126.2 | 114.2 | 82.4 | 120.0 | 176.6 | 51.4 | 61.5 |
| 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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.