BAHL Bank AL Habib Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 151.48 +0.94%
Annual · FY2006 – FY2025
Bank AL Habib Limited (BAHL) income statement
Bank AL Habib Limited reported total income of Rs 158.9 bn for FY2025 (Jan – Dec 2025), down 12.1% on FY2024. Net interest income was Rs 131.4 bn, down 16.2% on FY2024, with non-interest income of Rs 27.6 bn. Tax of Rs 35.7 bn took 52.4% of pre-tax profit. Profit attributable to shareholders was Rs 32.4 bn, down 22.6% on FY2024, or Rs 29.19 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 | 337.8 | 478.5 | 374.6 | 201.6 | 117.2 | 125.7 | 106.0 | 61.2 | 50.7 | 48.4 | 50.8 | 44.3 | 37.5 | 41.7 | 36.7 | 27.6 | 22.2 | 14.9 | 10.0 | 7.9 |
| Interest expense | (206.5) | (321.6) | (249.7) | (123.6) | (61.3) | (67.6) | (64.4) | (29.8) | (24.4) | (23.1) | (25.5) | (24.9) | (23.0) | (26.1) | (22.5) | (16.7) | (13.0) | (8.0) | (5.8) | (4.1) |
| Net interest income | 131.4 | 156.8 | 124.8 | 78.0 | 56.0 | 58.1 | 41.6 | 31.3 | 26.3 | 25.2 | 25.4 | 19.4 | 14.5 | 15.6 | 14.2 | 11.0 | 9.1 | 6.9 | 4.2 | 3.8 |
| Fee & commission income (net) | 20.1 | 20.4 | 13.1 | 10.9 | 9.1 | 6.4 | 5.5 | 4.5 | 3.1 | 2.4 | 2.2 | 1.9 | 1.8 | 1.5 | 1.2 | 1.2 | 1.0 | 0.9 | 0.7 | 0.6 |
| Foreign exchange income | 7.4 | 3.9 | 6.8 | 7.2 | 3.0 | 2.1 | 2.3 | 1.6 | 0.9 | 0.5 | 0.7 | 0.9 | 0.7 | 0.6 | 0.7 | 0.3 | 0.3 | 1.0 | 0.5 | 0.5 |
| Gain / (loss) on securities | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) | 0.2 | (0.0) | 0.0 | 2.8 | 0.7 | 0.1 | 0.0 | 0.5 | 0.1 | 0.0 | 0.1 | 0.2 | (0.1) | 0.6 | 0.1 |
| Total non-interest income | 27.6 | 23.9 | 20.0 | 18.3 | 12.0 | 8.7 | 7.8 | 6.2 | 6.8 | 3.6 | 3.1 | 2.8 | 3.0 | 2.1 | 2.0 | 1.6 | 1.5 | 1.8 | 1.9 | 1.2 |
| Total income | 158.9 | 180.8 | 144.8 | 96.3 | 68.0 | 66.8 | 49.4 | 37.5 | 33.1 | 28.9 | 28.5 | 22.2 | 17.5 | 17.8 | 16.2 | 12.6 | 10.6 | 8.7 | 6.1 | 5.0 |
| Operating expenses | (96.2) | (97.9) | (78.0) | (55.5) | (38.5) | (37.1) | (29.2) | (23.0) | (19.0) | (16.0) | (16.1) | (12.4) | (10.1) | (9.0) | (9.2) | (4.0) | (3.7) | (5.1) | (3.1) | (2.3) |
| Provisions & impairment (loans) | 1.1 | 14.1 | 7.7 | 4.0 | 0.2 | 3.0 | 1.7 | (0.1) | (0.2) | (0.4) | 1.8 | 0.6 | 0.5 | 0.5 | 1.8 | 0.9 | 1.2 | 1.0 | 0.1 | 0.0 |
| Profit before tax | 68.2 | 86.8 | 72.0 | 33.1 | 30.2 | 28.7 | 19.0 | 14.3 | 13.9 | 13.2 | 12.3 | 10.0 | 7.6 | 8.9 | 7.2 | 5.7 | 4.6 | 3.5 | 3.0 | 2.7 |
| Taxation | (35.7) | (44.9) | (36.1) | (16.4) | (11.6) | (10.8) | (7.8) | (5.9) | (5.4) | (5.1) | (4.9) | (3.6) | (2.4) | (3.4) | (2.6) | (2.1) | (1.7) | (1.2) | (0.8) | (0.9) |
| Profit after tax | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 | 18.0 | 11.2 | 8.5 | 8.5 | 8.1 | 7.3 | 6.4 | 5.2 | 5.5 | 4.5 | 3.7 | 2.9 | 2.4 | 2.2 | 1.8 |
| Profit attributable to shareholders | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 | 7.3 | 6.4 | 5.2 | 5.5 | 4.5 | 3.7 | 2.9 | 2.4 | 2.2 | 1.8 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 | 6.60 | 5.79 | 4.67 | 4.97 | 4.08 | 3.30 | 2.61 | 2.13 | 1.98 | 2.07 |
| EPS – diluted (Rs) Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 | 6.60 | 5.79 | 4.67 | 4.97 | 4.08 | 3.30 | 2.61 | 2.13 | 1.98 | 2.07 |
| Dividend per share (Rs) Rs | 15.00 | 17.00 | 14.00 | 7.00 | 7.00 | 4.50 | 3.50 | 2.50 | 3.00 | 3.50 | 3.50 | 3.00 | 1.82 | 2.73 | 1.98 | 1.32 | 1.10 | 0.54 | 0.50 | 0.35 |
| Weighted average shares mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 854.9 |
| 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 | -29.4% | +27.7% | +85.8% | +72.0% | -6.8% | +18.6% | +73.4% | +20.5% | +4.9% | -4.9% | +14.7% | +18.3% | -10.2% | +13.8% | +32.7% | +24.7% | +48.5% | +49.4% | +26.4% | — |
| Interest expense | -35.8% | +28.8% | +102.1% | +101.7% | -9.4% | +5.0% | +115.9% | +22.4% | +5.4% | -9.2% | +2.2% | +8.4% | -11.9% | +16.0% | +35.0% | +27.8% | +63.0% | +38.8% | +41.3% | — |
| Net interest income | -16.2% | +25.6% | +60.1% | +39.4% | -3.7% | +39.6% | +32.9% | +18.9% | +4.4% | -0.5% | +30.8% | +34.1% | -7.4% | +10.2% | +29.3% | +20.3% | +31.8% | +63.7% | +10.5% | — |
| Fee & commission income (net) | -1.2% | +55.1% | +20.0% | +20.5% | +41.6% | +16.1% | +22.7% | +47.3% | +26.7% | +7.8% | +15.8% | +5.4% | +23.7% | +20.2% | +3.7% | +16.0% | +11.1% | +24.1% | +25.9% | — |
| Foreign exchange income | +90.1% | -42.8% | -5.5% | +143.8% | +38.6% | -7.0% | +41.3% | +78.6% | +86.1% | -30.6% | -17.2% | +26.5% | +16.9% | -21.9% | +117.7% | +10.4% | -69.5% | +89.4% | +14.2% | — |
| Gain / (loss) on securities | — | -1,134.0% | -77.9% | — | -119.0% | — | -262.4% | -99.3% | +286.2% | +428.0% | +506.7% | -95.5% | +540.2% | +17,279.4% | -99.4% | -58.7% | — | -117.9% | +469.4% | — |
| Total non-interest income | +15.1% | +19.7% | +9.2% | +52.5% | +37.5% | +12.1% | +26.7% | -9.0% | +86.5% | +17.7% | +9.7% | -6.6% | +40.6% | +8.4% | +23.5% | +6.5% | -17.8% | -2.6% | +61.2% | — |
| Total income | -12.1% | +24.8% | +50.4% | +41.7% | +1.7% | +35.3% | +31.8% | +13.2% | +14.7% | +1.5% | +28.1% | +27.1% | -1.6% | +10.0% | +28.5% | +18.4% | +21.5% | +43.3% | +22.3% | — |
| Operating expenses | -1.8% | +25.5% | +40.5% | +44.2% | +3.7% | +27.2% | +27.0% | +20.6% | +18.7% | -0.5% | +30.1% | +22.3% | +12.2% | -1.4% | +128.1% | +7.7% | -27.1% | +64.6% | +35.8% | — |
| Provisions & impairment (loans) | -92.3% | +84.5% | +91.4% | +1,833.5% | -93.1% | +71.7% | — | — | — | -125.0% | +218.9% | +15.3% | +2.9% | -74.4% | +92.4% | -20.0% | +20.1% | +962.7% | +371.6% | — |
| Profit before tax | -21.4% | +20.5% | +117.8% | +9.4% | +5.3% | +50.8% | +33.1% | +2.9% | +5.4% | +7.6% | +22.6% | +32.4% | -15.5% | +24.9% | +25.1% | +25.5% | +29.1% | +15.9% | +12.6% | — |
| Taxation | -20.3% | +24.4% | +120.4% | +40.9% | +8.1% | +37.0% | +34.1% | +8.5% | +6.8% | +2.4% | +38.3% | +51.5% | -31.1% | +30.4% | +27.5% | +24.4% | +41.7% | +37.9% | -9.4% | — |
| Profit after tax | -22.5% | +16.7% | +115.3% | -10.3% | +3.6% | +60.5% | +32.4% | -0.6% | +4.4% | +11.1% | +13.9% | +23.8% | -5.8% | +21.7% | +23.7% | +26.1% | +22.9% | +7.4% | +24.2% | — |
| Profit attributable to shareholders | -22.6% | +16.6% | +115.3% | -10.2% | +3.5% | +60.3% | +32.4% | -0.6% | +4.4% | +11.1% | +14.0% | +23.8% | -5.9% | +21.7% | +23.8% | +26.2% | +22.5% | +7.9% | +24.0% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -22.6% | +16.6% | +115.3% | -10.2% | +3.5% | +60.3% | +32.4% | -0.6% | +4.4% | +11.1% | +14.0% | +23.8% | -5.9% | +21.7% | +23.8% | +26.2% | +22.5% | +7.9% | -4.6% | — |
| EPS – diluted (Rs) | -22.6% | +16.6% | +115.3% | -10.2% | +3.5% | +60.3% | +32.4% | -0.6% | +4.4% | +11.1% | +14.0% | +23.8% | -5.9% | +21.7% | +23.8% | +26.2% | +22.5% | +7.9% | -4.6% | — |
| Dividend per share (Rs) | -11.8% | +21.4% | +100.0% | 0.0% | +55.6% | +28.6% | +40.0% | -16.7% | -14.3% | 0.0% | +16.7% | +65.0% | -33.3% | +38.0% | +50.0% | +20.0% | +104.0% | +8.3% | +40.0% | — |
| 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 | 212.6% | 264.7% | 258.6% | 209.3% | 172.5% | 188.2% | 214.6% | 163.2% | 153.2% | 167.6% | 178.7% | 199.6% | 214.4% | 234.9% | 227.1% | 219.9% | 208.7% | 170.7% | 163.8% | 158.5% |
| Interest expense | (129.9%) | (177.9%) | (172.4%) | (128.3%) | (90.1%) | (101.3%) | (130.4%) | (79.6%) | (73.7%) | (80.1%) | (89.5%) | (112.3%) | (131.6%) | (146.9%) | (139.3%) | (132.6%) | (122.8%) | (91.5%) | (94.5%) | (81.8%) |
| Net interest income | 82.7% | 86.8% | 86.2% | 81.0% | 82.3% | 86.9% | 84.2% | 83.6% | 79.6% | 87.4% | 89.2% | 87.4% | 82.8% | 88.0% | 87.8% | 87.3% | 85.9% | 79.1% | 69.3% | 76.7% |
| Fee & commission income (net) | 12.6% | 11.3% | 9.1% | 11.4% | 13.4% | 9.6% | 11.2% | 12.0% | 9.2% | 8.3% | 7.9% | 8.7% | 10.5% | 8.3% | 7.6% | 9.5% | 9.6% | 10.6% | 12.2% | 11.8% |
| Foreign exchange income | 4.7% | 2.2% | 4.7% | 7.5% | 4.4% | 3.2% | 4.7% | 4.4% | 2.8% | 1.7% | 2.5% | 3.8% | 3.9% | 3.3% | 4.6% | 2.7% | 2.9% | 11.5% | 8.7% | 9.4% |
| Gain / (loss) on securities | 0.0% | (0.2%) | 0.0% | 0.1% | (0.1%) | 0.3% | (0.1%) | 0.1% | 8.4% | 2.5% | 0.5% | 0.1% | 2.8% | 0.4% | 0.0% | 0.6% | 1.6% | (1.2%) | 9.8% | 2.1% |
| Total non-interest income | 17.3% | 13.2% | 13.8% | 19.0% | 17.7% | 13.1% | 15.8% | 16.4% | 20.4% | 12.6% | 10.8% | 12.6% | 17.2% | 12.0% | 12.2% | 12.7% | 14.1% | 20.9% | 30.7% | 23.3% |
| 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 | (60.5%) | (54.2%) | (53.9%) | (57.7%) | (56.6%) | (55.6%) | (59.1%) | (61.3%) | (57.5%) | (55.6%) | (56.7%) | (55.8%) | (58.0%) | (50.9%) | (56.7%) | (32.0%) | (35.1%) | (58.6%) | (51.0%) | (45.9%) |
| Provisions & impairment (loans) | 0.7% | 7.8% | 5.3% | 4.2% | 0.3% | 4.5% | 3.5% | (0.2%) | (0.7%) | (1.5%) | 6.2% | 2.5% | 2.7% | 2.6% | 11.3% | 7.5% | 11.1% | 11.3% | 1.5% | 0.4% |
| Profit before tax | 42.9% | 48.0% | 49.7% | 34.3% | 44.5% | 43.0% | 38.5% | 38.2% | 42.0% | 45.7% | 43.1% | 45.0% | 43.2% | 50.3% | 44.3% | 45.5% | 43.0% | 40.4% | 50.0% | 54.3% |
| Taxation | (22.5%) | (24.8%) | (24.9%) | (17.0%) | (17.1%) | (16.1%) | (15.9%) | (15.6%) | (16.3%) | (17.5%) | (17.3%) | (16.1%) | (13.5%) | (19.2%) | (16.2%) | (16.4%) | (15.6%) | (13.3%) | (13.9%) | (18.7%) |
| Profit after tax | 20.4% | 23.2% | 24.8% | 17.3% | 27.4% | 26.9% | 22.7% | 22.6% | 25.7% | 28.2% | 25.8% | 29.0% | 29.7% | 31.1% | 28.1% | 29.2% | 27.4% | 27.1% | 36.1% | 35.6% |
| Profit attributable to shareholders | 20.4% | 23.2% | 24.8% | 17.3% | 27.3% | 26.9% | 22.7% | 22.6% | 25.7% | 28.2% | 25.8% | 29.0% | 29.7% | 31.1% | 28.1% | 29.2% | 27.3% | 27.1% | 36.0% | 35.5% |
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 | 131.4 | 156.8 | 124.8 | 78.0 | 56.0 | 58.1 | 41.6 | 31.3 | 26.3 | 25.2 |
| Interest & Dividend Income - Finance - Total | 337.8 | 478.5 | 374.6 | 201.6 | 117.2 | 125.7 | 106.0 | 61.2 | 50.7 | 48.4 |
| Interest Income - Loans/Deposits | 97.7 | 128.9 | 140.9 | 83.3 | 40.3 | 44.2 | 52.6 | 29.1 | 18.5 | 14.8 |
| Interest & Fees on Loans & Receivables | 96.7 | 127.7 | 137.4 | 80.5 | 39.8 | 43.6 | 50.6 | 28.6 | 18.2 | 14.3 |
| Interest Income - Deposits to Other Financial Institutions | 0.7 | 0.8 | 1.0 | 0.7 | 0.3 | 0.4 | 0.7 | 0.3 | 0.2 | 0.4 |
| Interest & Dividend Income - Other - Finance | 0.4 | 0.4 | 0.7 | 0.7 | 0.5 | 0.4 | 0.4 | 0.4 | 0.4 | 0.7 |
| Interest Income - Collateralized Financing | 0.3 | 0.4 | 2.5 | 2.1 | 0.2 | 0.2 | 1.3 | 0.2 | 0.1 | 0.1 |
| Interest & Dividend Income - Investment Securities - Finance | 239.7 | 349.2 | 233.0 | 117.6 | 76.5 | 81.1 | 53.0 | 31.7 | 31.8 | 33.0 |
| Net Commission & Fees Income/Expense - Business Revenue | 20.1 | 20.4 | 13.1 | 10.9 | 9.1 | 6.4 | 5.5 | 4.5 | 3.1 | 2.4 |
| Fees & Commissions Income | 22.0 | 21.9 | 14.7 | 11.9 | 9.6 | 6.8 | 6.1 | 4.8 | 3.2 | 2.6 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 239.7 | 349.2 | 233.0 | 117.6 | 76.5 | 81.1 | 53.0 | 31.7 | 31.8 | 33.0 |
| Fees & Commissions Expense | 1.9 | 1.6 | 1.6 | 0.9 | 0.5 | 0.4 | 0.6 | 0.3 | 0.1 | 0.1 |
| Investments & Loans - Business - Gain/(Loss) | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) | 0.2 | (0.0) | 0.0 | 2.8 | 0.7 |
| Interest Expense - Finance - Total | 206.5 | 321.6 | 249.7 | 123.6 | 61.3 | 67.6 | 64.4 | 29.8 | 24.4 | 23.1 |
| Interest Expense - Operational Financing - Business | 189.4 | 295.5 | 223.6 | 107.9 | 54.8 | 62.0 | 58.7 | 27.1 | 22.7 | 21.3 |
| Interest Expense - Deposits | 148.6 | 237.3 | 187.3 | 89.4 | 43.2 | 48.0 | 49.2 | 25.1 | 19.5 | 17.4 |
| Investment Securities - Business - Gain/(Loss) | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) | 0.2 | (0.0) | 0.0 | 2.8 | 0.7 |
| Interest Expense - Collateralized Financing | 40.8 | 58.2 | 36.3 | 18.5 | 11.5 | 13.9 | 9.4 | 2.0 | 3.2 | 3.9 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) | 0.2 | (0.0) | 0.0 | 2.8 | 0.7 |
| Interest Expense - External Financing Business | 17.0 | 26.2 | 26.1 | 15.7 | 6.5 | 5.7 | 5.8 | 2.7 | 1.7 | 1.8 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 27.6 | 23.9 | 20.0 | 18.3 | 12.0 | 8.7 | 7.8 | 6.2 | 6.8 | 3.6 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 7.4 | 3.9 | 6.8 | 7.2 | 3.0 | 2.1 | 2.3 | 1.6 | 0.9 | 0.5 |
| Revenue from Business Activities - Total | 158.9 | 180.8 | 144.8 | 96.3 | 68.0 | 66.8 | 49.4 | 37.5 | 33.1 | 28.9 |
| Selling, General & Administrative Expenses - Total | 95.1 | 81.8 | 70.5 | 51.9 | 38.9 | 34.4 | 27.6 | 23.4 | 20.0 | 17.6 |
| Selling, General & Administrative Expenses - Unclassified | 35.3 | 30.9 | 31.4 | 21.9 | 15.1 | 12.5 | 10.2 | 8.6 | 7.1 | 5.3 |
| Depreciation in Selling, General & Administrative Expenses | 10.6 | 8.1 | 6.9 | 5.7 | 4.8 | 4.5 | 3.8 | 2.2 | 1.9 | 1.6 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 |
| Other Operating Expense/(Income) - Net | (0.0) | 2.0 | (0.2) | (0.3) | (0.6) | (0.3) | (0.2) | (0.3) | (0.7) | (1.2) |
| Other Operating Income - Total | — | — | 0.5 | 0.4 | 0.7 | 0.4 | 0.3 | 0.3 | 0.8 | 1.1 |
| Operating Expenses - Total | 96.2 | 97.9 | 78.0 | 55.5 | 38.5 | 37.1 | 29.2 | 23.0 | 19.0 | 16.0 |
| Provision & Impairment for Loan Losses | 1.1 | 14.1 | 7.7 | 4.0 | 0.2 | 3.0 | 1.7 | (0.1) | (0.2) | (0.4) |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 37.7 | 35.8 | 25.6 | 19.2 | 14.8 | 13.6 | 10.5 | 8.7 | 7.5 | 7.9 |
| Selling, General & Administrative Expenses - Other - Total | 11.3 | 6.8 | 6.4 | 4.7 | 3.9 | 3.6 | 2.9 | 3.8 | 3.4 | 2.7 |
| Advertising Expense | 4.8 | 1.2 | 1.8 | 0.6 | 0.5 | 0.6 | 0.3 | 0.3 | 0.2 | 0.3 |
| Rental Expense | 6.5 | 5.6 | 4.6 | 4.1 | 3.4 | 2.9 | 2.6 | 3.5 | 3.2 | 2.4 |
| Operating Profit before Non-Recurring Income/(Expense) | 62.8 | 82.8 | 66.8 | 40.8 | 29.5 | 29.7 | 20.2 | 14.5 | 14.1 | 12.8 |
| Other Operating Expense | 0.1 | 0.3 | 0.2 | 0.2 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | — |
| Operating Provisions - Increase/(Decrease) | (0.1) | 1.7 | 0.1 | (0.1) | 0.0 | 0.0 | 0.0 | (0.1) | 0.0 | (0.0) |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.8 | 1.0 | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 | 0.1 | 0.1 | 0.1 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 1.4 | 1.4 | 1.1 | 0.8 | 0.4 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 |
| Normalized Pre-tax Profit | 65.0 | 85.3 | 68.4 | 42.0 | 30.3 | 30.2 | 20.7 | 14.7 | 14.2 | 13.0 |
| Non-Recurring Income/Expense - Total | 3.2 | 1.5 | 3.6 | (9.0) | (0.1) | (1.5) | (1.7) | (0.4) | (0.3) | 0.2 |
| Impairment - Tangible & Intangible Fixed Assets | — | 0.0 | 0.1 | — | — | 0.1 | — | — | 0.2 | — |
| Impairment - Fixed Assets | — | 0.0 | 0.1 | — | — | 0.1 | — | — | 0.2 | — |
| Impairment - Financial Investments | (3.4) | (1.0) | (3.7) | 9.0 | (0.3) | 1.4 | 1.7 | 0.4 | 0.1 | (0.2) |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.1 | 0.1 | — | — | — | — | — | — | — | — |
| Fair Value Adjustments - Financial Investments | (0.3) | 0.5 | — | (0.0) | (0.0) | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 |
| Sale & Acquisition of Group Companies - Gain/(Loss) | — | — | — | 0.0 | (0.3) | — | — | — | — | — |
| Income before Taxes | 68.2 | 86.8 | 72.0 | 33.1 | 30.2 | 28.7 | 19.0 | 14.3 | 13.9 | 13.2 |
| Income Taxes | 35.7 | 44.9 | 36.1 | 16.4 | 11.6 | 10.8 | 7.8 | 5.9 | 5.4 | 5.1 |
| Income Taxes for the Year - Current | 35.6 | 44.3 | 37.7 | 20.6 | 12.3 | 13.3 | 8.8 | 5.8 | 5.2 | 4.3 |
| Income Taxes - Deferred | (2.3) | 0.6 | (4.6) | (4.2) | (0.6) | (2.6) | (1.5) | 0.0 | (0.3) | 0.2 |
| Income Taxes - Other (by Type) | 2.4 | (0.0) | 2.9 | 0.0 | (0.0) | 0.0 | 0.6 | (0.0) | 0.5 | 0.5 |
| Net Income after Tax | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 | 18.0 | 11.2 | 8.5 | 8.5 | 8.1 |
| Income before Discontinued Operations & Extraordinary Items | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 | 18.0 | 11.2 | 8.5 | 8.5 | 8.1 |
| Net Income before Minority Interest | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 | 18.0 | 11.2 | 8.5 | 8.5 | 8.1 |
| Minority Interest | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 | (0.0) | (0.0) | (0.0) | 0.0 |
| Net Income after Minority Interest | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| Income Available to Common Shares | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| Other Comprehensive Income - Starting Line | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 | 18.0 | 11.2 | 8.5 | 8.5 | — |
| Other Comprehensive Income - Foreign Currency | 0.1 | (0.1) | 0.3 | 2.1 | 0.5 | 0.2 | 0.6 | 0.9 | 0.2 | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | 6.4 | 6.1 | 6.8 | (5.0) | (3.5) | 1.2 | 2.8 | (2.1) | (3.1) | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | 0.1 | (1.0) | 6.8 | (0.7) | (0.5) | 3.0 | — | — | 1.8 | — |
| Other Comprehensive Income - Pension Related | (0.7) | 0.1 | — | — | — | — | 0.1 | (0.1) | (0.1) | — |
| Other Comprehensive Income - Net of Tax - Total | 5.8 | 5.0 | 13.8 | (3.6) | (3.4) | 4.4 | 3.5 | (1.3) | (1.2) | — |
| Comprehensive Income before Minority Interest - Total | 38.3 | 46.9 | 49.8 | 13.1 | 15.2 | 22.4 | 14.7 | 7.2 | 7.3 | — |
| Comprehensive Income - Attributable to Minority Interest - Total | 0.0 | 0.0 | 0.0 | (0.0) | (0.0) | 0.0 | (0.0) | (0.0) | (0.0) | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 38.3 | 46.9 | 49.7 | 13.1 | 15.2 | 22.4 | 14.7 | 7.2 | 7.3 | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 15.00 | 17.00 | 14.00 | 7.00 | 7.00 | 4.50 | 3.50 | 2.50 | 3.00 | 3.50 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| Income available to Common excluding Extraordinary Items | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| Shares used to calculate Basic EPS - Total mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 | 17.53 | 11.56 | 7.95 | 7.91 | 7.15 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| 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 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 | 17.53 | 11.56 | 7.95 | 7.91 | 7.15 |
| 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 | 34.44 | 42.20 | 44.76 | 11.80 | 13.64 | 20.15 | 13.24 | 6.48 | 6.54 | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| Diluted Income available to Common excluding Extraordinary Items | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| Shares used to calculate Diluted EPS - Total mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 | 17.53 | 11.56 | 7.95 | 7.91 | 7.15 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| 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 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 | 17.53 | 11.56 | 7.95 | 7.91 | 7.15 |
| 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 | 34.44 | 42.20 | 44.76 | 11.80 | 13.64 | 20.15 | 13.24 | 6.48 | 6.54 | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 | 3.50 | 2.50 | 3.00 | 3.50 | 3.50 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 15.30 | 13.95 | 14.40 | 6.30 | 4.05 | 3.15 | 2.25 | 2.70 | 3.15 | 3.15 |
| Earnings before Interest & Taxes (EBIT) | 62.8 | 82.8 | 66.8 | 40.8 | 29.5 | 29.7 | 20.2 | 14.5 | 14.1 | 12.8 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 73.6 | 91.1 | 73.9 | 46.8 | 34.6 | 34.4 | 24.3 | 16.8 | 16.1 | 14.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 80.1 | 96.7 | 78.6 | 50.9 | 38.0 | 37.4 | 26.9 | 20.3 | 19.3 | 16.9 |
| Depreciation & Amortization - Supplemental | 10.8 | 8.3 | 7.1 | 6.0 | 5.1 | 4.7 | 4.1 | 2.3 | 2.0 | 1.7 |
| Depreciation Expense - Total - Supplemental | 10.6 | 8.1 | 6.9 | 5.7 | 4.8 | 4.4 | 3.8 | 2.2 | 1.9 | 1.6 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 2.9 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | — | — | — | — |
| Amortization - Total - Supplemental | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 |
| Intangible Amortization - Other - Supplemental | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 |
| Amortization of Computer Software - Supplemental | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | — |
| Depreciation, Depletion & Amortization - Total | 10.8 | 8.3 | 7.1 | 6.0 | 5.1 | 4.7 | 4.1 | 2.3 | 2.0 | 1.7 |
| Depreciation - Total | 10.6 | 8.1 | 6.9 | 5.7 | 4.8 | 4.4 | 3.9 | 2.2 | 1.9 | 1.6 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — | — | — | — | — | 0.1 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 |
| Income from Islamic Financing & Investing | — | — | — | — | — | — | — | — | — | 0.1 |
| Labor & Related Expenses - Total | 37.7 | 35.8 | 25.6 | 19.2 | 14.8 | 13.6 | 10.5 | 8.7 | 7.5 | 7.9 |
| Labor & Related Expenses - Supplemental | 37.7 | 35.8 | 25.6 | 19.2 | 14.8 | 13.6 | 10.5 | 8.7 | 7.5 | 7.9 |
| 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 |
| Fees - Other | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Normalized after Tax Profit | 29.3 | 40.4 | 32.3 | 25.6 | 18.7 | 19.5 | 12.8 | 8.8 | 8.8 | 7.9 |
| Normalized Net Income from Continuing Operations | 29.3 | 40.4 | 32.3 | 25.6 | 18.7 | 19.5 | 12.8 | 8.8 | 8.8 | 7.9 |
| Normalized Net Income - Bottom Line | 29.2 | 40.4 | 32.3 | 25.7 | 18.7 | 19.5 | 12.8 | 8.8 | 8.8 | 7.9 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 65.0 | 85.3 | 68.4 | 42.0 | 30.3 | 30.2 | 20.7 | 14.7 | 14.2 | 13.0 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 75.8 | 93.5 | 75.5 | 48.0 | 35.4 | 35.0 | 24.8 | 17.0 | 16.2 | 14.7 |
| Loan Losses - Net | — | — | — | — | — | — | 1.7 | (0.1) | (0.5) | (13.6) |
| Loan Recoveries - Actual | — | — | — | — | — | — | 0.3 | 0.4 | 1.0 | 1.5 |
| Depreciation of Financial Lease Right-of-Use Assets | 2.9 | 2.5 | 2.3 | 2.1 | 1.9 | 1.7 | — | — | — | — |
| Loan Losses - Actual | 0.1 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | 2.1 | 0.4 | 0.4 | 0.9 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 2.7 | 2.1 | 1.6 | 1.3 | 1.1 | 1.0 | 0.7 | 0.0 | — | — |
| Rental/Operating Lease Expense | 6.5 | 5.6 | 4.6 | 4.1 | 3.4 | 2.9 | 2.6 | 3.5 | 3.2 | 2.4 |
| Advertising Expenses - Supplemental | 4.8 | 1.2 | 1.8 | 0.6 | 0.5 | 0.6 | 0.3 | 0.3 | 0.2 | 0.3 |
| Interest Expense | 206.5 | 321.6 | 249.7 | 123.6 | 61.3 | 67.6 | 64.4 | 29.8 | 24.4 | 23.1 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 130.3 | 142.7 | 117.2 | 74.0 | 55.7 | 55.1 | 39.9 | 31.4 | 26.6 | 25.7 |
| Commissions & Fees from Securities Activities | 7.1 | 7.3 | 6.0 | 5.5 | 5.1 | 4.0 | 3.5 | 2.7 | 1.9 | — |
| Revenue after Loan Provisions - Net - Finance | 336.7 | 464.3 | 366.9 | 197.6 | 117.0 | 122.7 | 104.3 | 61.2 | 51.0 | 48.8 |
| Operating Expenses | 96.2 | 97.9 | 78.0 | 55.5 | 38.5 | 37.1 | 29.2 | 23.0 | 19.0 | 16.0 |
| Foreign Exchange Gain/(Loss) | 7.4 | 3.9 | 6.8 | 7.2 | 3.0 | 2.1 | 2.3 | 1.6 | 0.9 | 0.5 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 95.1 | 81.8 | 70.5 | 51.9 | 38.9 | 34.4 | 27.6 | 23.4 | 20.0 | 17.6 |
| Investment Gain/(Loss) | 0.4 | 0.0 | 0.7 | 0.8 | 0.4 | 0.6 | 0.4 | 0.4 | 3.2 | 1.3 |
| Non-Interest Expense - Bank | 89.6 | 79.9 | 65.2 | 59.3 | 37.5 | 35.1 | 28.6 | 23.2 | 19.4 | 16.1 |
| Income before Taxes & Provision for Loan Losses | 69.3 | 100.9 | 79.7 | 37.1 | 30.4 | 31.7 | 20.8 | 14.2 | 13.7 | 12.8 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 | 3.50 | 2.50 | 3.00 | 3.50 | 3.50 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 | 3.50 | 2.50 | 3.00 | 3.50 | 3.50 |
| Tax Adjusted Operating Income | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| Operating Expenses excluding Non-Cash Charges - Total | 85.4 | 89.6 | 70.9 | 49.5 | 33.4 | 32.4 | 25.1 | 20.7 | 17.0 | 14.4 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 158.9 | 180.8 | 144.8 | 96.3 | 68.0 | 66.8 | 49.4 | 37.5 | 33.1 | 28.9 |
| Income from Earning Assets | 345.3 | 482.1 | 381.5 | 209.0 | 120.2 | 128.0 | 108.3 | 62.8 | 54.4 | 49.6 |
| Income Available to Common Shares before Depreciation & Amortization | 43.2 | 50.2 | 43.1 | 22.7 | 23.7 | 22.7 | 15.3 | 10.8 | 10.5 | 9.8 |
| Commissions and Fees | 20.1 | 20.4 | 13.1 | 10.9 | 9.1 | 6.4 | 5.5 | 4.5 | 3.1 | 2.4 |
| 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 | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 | 3.50 | 2.50 | 3.00 | 3.50 | 3.50 |
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.