BIPL BankIslami Pakistan Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 24.41 +0.33%
Annual · FY2006 – FY2025
BankIslami Pakistan Limited (BIPL) income statement
BankIslami Pakistan Limited reported total income of Rs 44.8 bn for FY2025 (Jan – Dec 2025), down 11.7% on FY2024. Net interest income was Rs 35.9 bn, down 22.6% on FY2024, with non-interest income of Rs 8.9 bn. Tax of Rs 8.0 bn took 57.0% of pre-tax profit. Profit attributable to shareholders was Rs 6.0 bn, down 49.3% on FY2024, or Rs 5.42 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 | 74.5 | 112.9 | 92.8 | 46.4 | 23.3 | 25.7 | 23.6 | 12.2 | 10.4 | 10.1 | 8.8 | 7.8 | 6.3 | 6.0 | 5.5 | 3.8 | 2.2 | 1.5 | 0.6 | — |
| Interest expense | (38.6) | (66.4) | (52.6) | (25.9) | (12.3) | (13.2) | (12.8) | (6.1) | (5.2) | (5.8) | (5.1) | (4.5) | (3.8) | (3.5) | (2.9) | 2.0 | 1.2 | 0.7 | 0.3 | — |
| Net interest income | 35.9 | 46.5 | 40.3 | 20.4 | 11.0 | 12.5 | 10.8 | 6.1 | 5.1 | 4.4 | 3.7 | 3.4 | 2.5 | 2.5 | 2.6 | 5.9 | 3.4 | 2.2 | 0.9 | — |
| Fee & commission income (net) | 3.4 | 2.3 | 1.8 | 1.4 | 1.2 | 0.9 | 0.6 | 0.9 | 0.7 | 0.4 | 0.4 | 0.4 | 0.3 | 0.2 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | — |
| Foreign exchange income | 1.4 | 1.3 | 0.9 | 1.3 | 0.5 | 0.4 | 0.2 | 0.1 | 0.1 | 0.0 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 | 0.0 | 0.0 | — |
| Gain / (loss) on securities | 4.2 | 0.6 | 0.3 | 0.1 | 0.1 | 0.2 | 0.7 | 0.0 | 0.2 | 0.1 | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Total non-interest income | 8.9 | 4.3 | 3.0 | 2.9 | 1.8 | 1.5 | 1.4 | 1.1 | 0.9 | 0.5 | 0.5 | 0.6 | 0.4 | 0.3 | 0.2 | 0.2 | 0.3 | 0.2 | 0.1 | — |
| Total income | 44.8 | 50.7 | 43.2 | 23.3 | 12.8 | 14.0 | 12.3 | 7.2 | 6.0 | 4.9 | 4.2 | 4.0 | 2.9 | 2.8 | 2.8 | 6.0 | 3.7 | 2.4 | 1.0 | — |
| Operating expenses | (31.2) | (24.1) | (21.5) | (15.4) | (9.6) | (11.3) | (10.5) | (6.8) | (5.7) | (4.5) | (4.6) | (3.5) | (2.6) | (2.4) | (2.2) | (1.9) | (1.8) | (1.1) | (0.5) | — |
| Provisions & impairment (loans) | (0.6) | 1.5 | 5.0 | 3.8 | 0.0 | 2.6 | 2.8 | (0.0) | (0.6) | (1.7) | (0.6) | (0.0) | 0.1 | 0.1 | 0.0 | (0.0) | 0.1 | 0.1 | 0.0 | — |
| Profit before tax | 14.0 | 25.5 | 20.0 | 8.2 | 3.2 | 2.8 | 1.9 | 0.4 | 0.2 | 0.8 | (0.3) | 0.5 | 0.3 | 0.5 | 0.6 | 0.0 | (0.6) | (0.2) | (0.1) | — |
| Taxation | (8.0) | (13.7) | (9.5) | (3.8) | (1.3) | (1.1) | (0.7) | (0.2) | 1.4 | (0.4) | 0.1 | (0.2) | (0.1) | (0.2) | (0.2) | (0.0) | 0.1 | 0.2 | 0.1 | — |
| Profit after tax | 6.0 | 11.8 | 10.5 | 4.4 | 2.0 | 1.7 | 1.1 | 0.2 | 1.6 | 0.4 | (0.2) | 0.3 | 0.2 | 0.3 | 0.4 | 0.0 | (0.5) | (0.0) | (0.0) | — |
| Profit attributable to shareholders | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 | (0.1) | 0.3 | 0.2 | 0.3 | 0.4 | 0.0 | (0.5) | (0.0) | (0.0) | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.83 | 1.39 | 1.08 | 0.33 | 1.65 | 0.63 | (0.10) | 0.57 | 0.35 | 0.57 | 0.75 | 0.08 | (0.89) | (0.11) | (0.15) | — |
| EPS – diluted (Rs) Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.83 | 1.39 | 1.08 | 0.33 | 1.65 | 0.63 | (0.10) | 0.57 | 0.35 | 0.57 | 0.75 | 0.08 | (0.89) | (0.11) | (0.15) | — |
| Dividend per share (Rs) Rs | 2.75 | 2.75 | 2.75 | 1.00 | 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 | 0.00 | 0.00 | — |
| Weighted average shares mn | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,025.8 | 1,016.3 | 1,016.3 | 1,016.3 | 811.0 | 552.7 | 544.0 | 543.2 | 543.2 | 543.2 | 543.2 | 434.1 | 292.8 | — |
| 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 | -34.0% | +21.6% | +100.2% | +99.4% | -9.7% | +8.9% | +93.3% | +18.1% | +2.1% | +14.8% | +13.0% | +24.3% | +5.0% | +8.9% | +44.4% | +74.7% | +47.9% | +139.1% | — | — |
| Interest expense | -42.0% | +26.3% | +102.6% | +111.3% | -7.2% | +3.1% | +108.8% | +17.5% | -9.2% | +13.1% | +14.4% | +17.9% | +8.1% | +21.7% | — | — | — | — | — | — |
| Net interest income | -22.6% | +15.4% | +97.0% | +86.1% | -12.3% | +15.8% | +77.6% | +18.7% | +17.1% | +17.1% | +11.1% | +34.0% | +0.5% | -5.2% | -55.1% | +72.5% | +54.5% | +138.8% | — | — |
| Fee & commission income (net) | +50.1% | +28.3% | +24.0% | +20.0% | +35.8% | +45.5% | -29.0% | +29.6% | +75.9% | -9.1% | +6.3% | +31.6% | +56.7% | +70.5% | +16.9% | +148.9% | -66.2% | +82.3% | — | — |
| Foreign exchange income | +5.8% | +41.9% | -32.3% | +180.1% | +32.1% | +98.6% | +99.2% | +28.7% | +67.4% | -48.1% | -52.2% | +126.3% | -24.6% | +59.5% | +7.0% | -78.7% | +849.9% | +185.6% | — | — |
| Gain / (loss) on securities | +544.2% | +137.7% | +239.6% | -21.5% | -57.9% | -63.3% | +1,047,920.6% | -100.0% | +40.3% | — | -107.7% | +379.5% | -61.6% | — | — | -100.0% | -92.5% | -25.4% | — | — |
| Total non-interest income | +107.8% | +44.0% | +3.5% | +60.9% | +19.6% | +2.7% | +33.7% | +20.5% | +70.8% | +7.1% | -16.9% | +57.0% | +23.1% | +76.6% | +13.1% | -51.8% | +84.3% | +51.9% | — | — |
| Total income | -11.7% | +17.4% | +85.5% | +82.6% | -8.9% | +14.2% | +71.0% | +18.9% | +22.9% | +16.0% | +6.9% | +37.0% | +3.0% | -0.1% | -53.4% | +61.9% | +56.7% | +129.3% | — | — |
| Operating expenses | +29.2% | +12.2% | +39.5% | +60.1% | -15.1% | +7.7% | +53.9% | +20.0% | +27.8% | -2.2% | +29.6% | +32.9% | +11.6% | +7.8% | +17.1% | +2.1% | +60.6% | +115.2% | — | — |
| Provisions & impairment (loans) | -141.4% | -70.4% | +30.8% | +7,654.7% | -98.1% | -5.3% | — | — | — | — | — | -117.8% | +10.5% | +418.5% | — | -107.7% | -26.3% | +360.2% | — | — |
| Profit before tax | -45.3% | +27.5% | +143.4% | +155.0% | +16.8% | +48.7% | +404.8% | +121.0% | -79.7% | — | -163.5% | +50.3% | -33.4% | -23.6% | +1,369.0% | — | — | — | — | — |
| Taxation | -41.9% | +44.5% | +150.2% | +199.4% | +19.8% | +42.0% | +291.4% | — | -463.7% | — | -148.7% | +26.4% | -21.7% | -24.3% | +30,848.4% | — | — | — | — | — |
| Profit after tax | -49.3% | +12.2% | +137.6% | +126.4% | +15.0% | +53.2% | +525.9% | -88.8% | +268.0% | — | -170.9% | +66.0% | -39.4% | -23.3% | +886.2% | — | — | — | — | — |
| Profit attributable to shareholders | -49.3% | +11.5% | +136.6% | +120.8% | +31.4% | +39.6% | +231.4% | -80.1% | +160.2% | — | -126.8% | +66.0% | -39.4% | -23.3% | +886.2% | — | — | — | — | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -49.3% | +11.5% | +136.6% | +120.8% | +31.4% | +29.1% | +228.4% | -80.1% | +160.2% | — | -118.3% | +63.4% | -39.5% | -23.3% | +886.2% | — | — | — | — | — |
| EPS – diluted (Rs) | -49.3% | +11.5% | +136.6% | +120.8% | +31.4% | +29.1% | +228.4% | -80.1% | +160.2% | — | -118.3% | +63.4% | -39.5% | -23.3% | +886.2% | — | — | — | — | — |
| Dividend per share (Rs) | 0.0% | 0.0% | +175.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | 166.2% | 222.5% | 214.8% | 199.1% | 182.3% | 183.9% | 192.9% | 170.6% | 171.9% | 206.8% | 209.0% | 197.7% | 217.9% | 213.9% | 196.2% | 63.4% | 58.7% | 62.2% | 59.6% | — |
| Interest expense | (86.0%) | (130.9%) | (121.6%) | (111.4%) | (96.2%) | (94.5%) | (104.7%) | (85.8%) | (86.8%) | (117.6%) | (120.6%) | (112.7%) | (131.0%) | (124.8%) | (102.4%) | 34.1% | 32.7% | 30.5% | 29.4% | — |
| Net interest income | 80.2% | 91.6% | 93.1% | 87.7% | 86.0% | 89.4% | 88.2% | 84.9% | 85.1% | 89.3% | 88.4% | 85.0% | 86.9% | 89.1% | 93.8% | 97.5% | 91.4% | 92.7% | 89.0% | — |
| Fee & commission income (net) | 7.7% | 4.5% | 4.1% | 6.2% | 9.4% | 6.3% | 4.9% | 11.9% | 10.9% | 7.6% | 9.7% | 9.8% | 10.2% | 6.7% | 3.9% | 1.6% | 1.0% | 4.7% | 5.9% | — |
| Foreign exchange income | 3.1% | 2.6% | 2.1% | 5.8% | 3.8% | 2.6% | 1.5% | 1.3% | 1.2% | 0.9% | 1.9% | 4.4% | 2.6% | 3.6% | 2.3% | 1.0% | 7.5% | 1.2% | 1.0% | — |
| Gain / (loss) on securities | 9.3% | 1.3% | 0.6% | 0.3% | 0.8% | 1.7% | 5.4% | 0.0% | 2.6% | 2.2% | (0.1%) | 0.8% | 0.2% | 0.6% | 0.0% | 0.0% | 0.1% | 1.3% | 4.1% | — |
| Total non-interest income | 19.8% | 8.4% | 6.9% | 12.3% | 14.0% | 10.6% | 11.8% | 15.1% | 14.9% | 10.7% | 11.6% | 15.0% | 13.1% | 10.9% | 6.2% | 2.5% | 8.6% | 7.3% | 11.0% | — |
| 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% | — |
| Operating expenses | (69.6%) | (47.6%) | (49.8%) | (66.2%) | (75.5%) | (81.0%) | (85.9%) | (95.4%) | (94.6%) | (90.9%) | (107.9%) | (89.0%) | (91.8%) | (84.7%) | (78.5%) | (31.3%) | (49.6%) | (48.4%) | (51.6%) | — |
| Provisions & impairment (loans) | (1.4%) | 2.9% | 11.5% | 16.4% | 0.4% | 18.7% | 22.5% | (0.3%) | (10.0%) | (34.5%) | (15.1%) | (0.6%) | 4.3% | 4.0% | 0.8% | (0.1%) | 2.6% | 5.5% | 2.7% | — |
| Profit before tax | 31.2% | 50.3% | 46.3% | 35.3% | 25.3% | 19.7% | 15.2% | 5.1% | 2.8% | 16.7% | (7.1%) | 11.9% | 10.8% | 16.8% | 21.9% | 0.7% | (15.6%) | (9.4%) | (10.3%) | — |
| Taxation | (17.8%) | (27.0%) | (21.9%) | (16.3%) | (9.9%) | (7.5%) | (6.1%) | (2.7%) | 23.5% | (8.0%) | 1.8% | (4.0%) | (4.3%) | (5.6%) | (7.4%) | (0.0%) | 2.4% | 7.4% | 5.9% | — |
| Profit after tax | 13.4% | 23.3% | 24.4% | 19.1% | 15.4% | 12.2% | 9.1% | 2.5% | 26.3% | 8.8% | (5.3%) | 7.9% | 6.5% | 11.1% | 14.5% | 0.7% | (13.2%) | (2.0%) | (4.4%) | — |
| Profit attributable to shareholders | 13.4% | 23.3% | 24.5% | 19.2% | 15.9% | 11.0% | 9.0% | 4.7% | 27.8% | 13.1% | (2.0%) | 7.9% | 6.5% | 11.1% | 14.5% | 0.7% | (13.0%) | (2.0%) | (4.4%) | — |
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 152
| 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 | 35.9 | 46.5 | 40.3 | 20.4 | 11.0 | 12.5 | 10.8 | 6.1 | 5.1 | 4.4 |
| Interest & Dividend Income - Finance - Total | 74.5 | 112.9 | 92.8 | 46.4 | 23.3 | 25.7 | 23.6 | 12.2 | 10.4 | 10.1 |
| Interest Income - Loans/Deposits | 31.1 | 40.7 | 42.2 | 24.6 | 12.0 | 14.3 | 13.7 | 8.4 | 6.7 | 7.6 |
| Interest & Fees on Loans & Receivables | 31.1 | 40.7 | 42.2 | 24.6 | 12.0 | 14.3 | 13.7 | 8.4 | 6.7 | 7.6 |
| Interest & Dividend Income - Other - Finance | 0.9 | 0.6 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Interest & Dividend Income - Investment Securities - Finance | 42.5 | 71.6 | 50.4 | 21.6 | 11.1 | 11.3 | 9.8 | 3.7 | 3.6 | 2.5 |
| Net Commission & Fees Income/Expense - Business Revenue | 3.4 | 2.3 | 1.8 | 1.4 | 1.2 | 0.9 | 0.6 | 0.9 | 0.7 | 0.4 |
| Fees & Commissions Income | 3.4 | 2.3 | 1.8 | 1.5 | 1.2 | 0.9 | 0.6 | 0.9 | 0.7 | 0.4 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 42.5 | 71.6 | 50.4 | 21.6 | 11.1 | 11.3 | 9.8 | 3.7 | 3.6 | 2.5 |
| Fees & Commissions Expense | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Investments & Loans - Business - Gain/(Loss) | 4.1 | 0.7 | 0.3 | 0.1 | 0.1 | 0.2 | 0.7 | 0.1 | 0.2 | 0.1 |
| Interest Expense - Finance - Total | 38.6 | 66.4 | 52.6 | 25.9 | 12.3 | 13.2 | 12.8 | 6.1 | 5.2 | 5.8 |
| Interest Expense - Operational Financing - Business | 37.2 | 64.9 | 51.0 | 25.2 | 11.7 | 12.6 | 12.4 | 6.1 | 5.2 | 5.8 |
| Interest Expense - Deposits | 31.2 | 54.1 | 42.0 | 21.9 | 10.8 | 11.8 | 11.7 | 5.4 | 4.7 | 4.9 |
| Investment Securities - Business - Gain/(Loss) | 4.2 | 0.6 | 0.3 | 0.1 | 0.1 | 0.2 | 0.7 | 0.0 | 0.2 | 0.1 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 4.2 | 0.6 | 0.3 | 0.1 | 0.1 | 0.2 | 0.7 | 0.1 | 0.1 | 0.1 |
| Interest Expenses - Other - Total | 6.0 | 10.9 | 8.9 | 3.3 | 0.8 | 0.8 | 0.7 | 0.8 | 0.6 | 0.9 |
| Interest Expense - External Financing Business | 1.3 | 1.5 | 1.6 | 0.8 | 0.6 | 0.6 | 0.5 | — | — | — |
| Non-Interest Business Revenue/(Expense) - Net - Total | 8.9 | 4.3 | 3.0 | 2.9 | 1.8 | 1.5 | 1.4 | 1.1 | 0.9 | 0.5 |
| Derivatives - Hedging - Business - Gain/(Loss) | (0.1) | 0.0 | — | — | — | — | 0.0 | 0.1 | 0.0 | — |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 1.4 | 1.3 | 0.9 | 1.3 | 0.5 | 0.4 | 0.2 | 0.1 | 0.1 | 0.0 |
| Trading Investments/Trading Account Income - Gain/(Loss) | — | — | — | — | — | — | 0.0 | (0.0) | (0.0) | 0.0 |
| Trading Investments - Unrealized Gain/(Loss) | — | — | — | — | — | — | 0.0 | (0.0) | (0.0) | 0.0 |
| Investment Gain/(Loss) - Other | — | — | — | — | — | — | 0.0 | (0.0) | 0.0 | 0.0 |
| Revenue from Business Activities - Total | 44.8 | 50.7 | 43.2 | 23.3 | 12.8 | 14.0 | 12.3 | 7.2 | 6.0 | 4.9 |
| Selling, General & Administrative Expenses - Total | 31.7 | 22.7 | 16.5 | 11.9 | 9.6 | 8.6 | 7.7 | 6.8 | 6.3 | 6.2 |
| Selling, General & Administrative Expenses - Unclassified | 11.5 | 8.4 | 6.2 | 4.1 | 3.4 | 3.0 | 2.8 | 1.0 | 0.6 | 1.4 |
| Depreciation in Selling, General & Administrative Expenses | 4.1 | 3.0 | 1.9 | 1.8 | 1.6 | 1.5 | 1.5 | 0.6 | 0.7 | 0.6 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.4 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Other Operating Expense/(Income) - Net | 0.1 | 0.0 | (0.0) | (0.3) | (0.0) | 0.1 | 0.0 | 0.0 | 0.0 | (0.0) |
| Other Operating Income - Total | — | — | — | — | — | — | — | — | — | 0.0 |
| Operating Expenses - Total | 31.2 | 24.1 | 21.5 | 15.4 | 9.6 | 11.3 | 10.5 | 6.8 | 5.7 | 4.5 |
| Provision & Impairment for Loan Losses | (0.6) | 1.5 | 5.0 | 3.8 | 0.0 | 2.6 | 2.8 | (0.0) | (0.6) | (1.7) |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 14.9 | 10.5 | 7.9 | 5.5 | 4.5 | 3.7 | 3.1 | 4.0 | 4.0 | 2.7 |
| Selling, General & Administrative Expenses - Other - Total | 0.8 | 0.5 | 0.4 | 0.3 | 0.1 | 0.3 | 0.2 | 1.1 | 0.9 | 1.3 |
| Advertising Expense | 0.7 | 0.4 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 |
| Rental Expense | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 1.0 | 0.8 | 1.2 |
| Operating Profit before Non-Recurring Income/(Expense) | 13.6 | 26.6 | 21.7 | 7.9 | 3.1 | 2.7 | 1.7 | 0.3 | 0.3 | 0.4 |
| Other Operating Expense | — | — | — | — | — | — | — | — | — | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.1 | 0.1 | 0.0 | 0.2 | (0.0) | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| Normalized Pre-tax Profit | 13.7 | 26.6 | 21.7 | 8.1 | 3.1 | 2.7 | 1.8 | 0.3 | 0.3 | 0.5 |
| Non-Recurring Income/Expense - Total | 0.2 | (1.1) | (1.7) | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | (0.2) | 0.3 |
| Impairment - Tangible & Intangible Fixed Assets | 0.0 | 0.0 | 0.2 | — | — | — | — | — | — | — |
| Impairment - Fixed Assets | 0.0 | 0.0 | 0.2 | — | — | — | — | — | — | — |
| Impairment - Financial Investments | (0.0) | 1.2 | 1.7 | 0.0 | (0.0) | (0.0) | 0.0 | 0.0 | 0.2 | (0.3) |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.0 | — | — | — | — | — | — | — | — | — |
| Fair Value Adjustments - Financial Investments | 0.0 | 0.1 | — | — | — | — | — | — | — | — |
| Non-Recurring Income/(Expense) - Other - Total | — | 0.0 | 0.0 | 0.0 | — | — | — | — | — | — |
| Income before Taxes | 14.0 | 25.5 | 20.0 | 8.2 | 3.2 | 2.8 | 1.9 | 0.4 | 0.2 | 0.8 |
| Equity in Earnings/(Loss) of Affiliates (after Taxes) | — | 0.0 | 0.1 | 0.0 | 0.0 | (0.2) | 0.0 | 0.1 | 0.1 | 0.2 |
| Income Taxes | 8.0 | 13.7 | 9.5 | 3.8 | 1.3 | 1.1 | 0.7 | 0.2 | (1.4) | 0.4 |
| Income Taxes for the Year - Current | 6.0 | 13.7 | 8.4 | 3.1 | 0.4 | 0.4 | 0.4 | 0.2 | 0.1 | 0.1 |
| Income Taxes - Deferred | (2.5) | (1.3) | 0.6 | 0.7 | 1.0 | 0.6 | 0.3 | (0.0) | (1.6) | 0.3 |
| Income Taxes - Other (by Type) | 4.5 | 1.3 | 0.5 | 0.0 | (0.2) | (0.0) | 0.0 | 0.0 | 0.0 | (0.0) |
| Debt Restructuring - Gain/(Loss) | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Net Income after Tax | 6.0 | 11.8 | 10.5 | 4.4 | 2.0 | 1.7 | 1.1 | 0.2 | 1.6 | 0.4 |
| Income before Discontinued Operations & Extraordinary Items | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Net Income before Minority Interest | 6.0 | 11.8 | 10.6 | 4.5 | 2.1 | 1.6 | 1.1 | 0.3 | 1.7 | 0.6 |
| 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 | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Income Available to Common Shares | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Extraordinary Activities - after Tax - Gain/(Loss) | — | — | — | 0.0 | 0.1 | 0.1 | (0.0) | — | — | — |
| Discontinued Operations - Net of Taxes - Total - Income/(Expense) | — | — | — | 0.0 | 0.1 | 0.1 | (0.0) | — | — | — |
| Other Comprehensive Income - Starting Line | 6.0 | 11.8 | 10.6 | 4.5 | 2.1 | 1.6 | 1.1 | 0.3 | 1.7 | — |
| Discontinued Operations - Net - Income/(Expense) | — | — | — | 0.0 | 0.1 | 0.1 | (0.0) | — | — | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | (4.0) | 2.8 | 2.1 | (0.3) | (0.0) | (1.6) | 3.0 | (0.2) | (0.6) | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | 1.4 | 0.3 | (0.0) | (0.3) | 0.5 | 0.1 | 0.1 | 0.9 | 0.1 | — |
| Other Comprehensive Income - Pension Related | (0.0) | (0.0) | (0.0) | 0.0 | (0.0) | 0.0 | 0.1 | 0.0 | 0.0 | — |
| Other Comprehensive Income - Net of Tax - Total | (2.6) | 3.1 | 2.0 | (0.5) | 0.5 | (1.5) | 3.1 | 0.7 | (0.5) | — |
| Comprehensive Income before Minority Interest - Total | 3.4 | 14.9 | 12.6 | 4.0 | 2.5 | 0.1 | 4.2 | 1.0 | 1.2 | — |
| Comprehensive Income - Attributable to Minority Interest - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 6.0 | 11.8 | 12.6 | 4.0 | 2.5 | 0.0 | 4.2 | 1.0 | 1.2 | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 2.75 | 2.75 | 2.75 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Income available to Common excluding Extraordinary Items | 6.0 | 11.8 | 10.6 | 4.5 | 1.9 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Shares used to calculate Basic EPS - Total mn | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,025.8 | 1,016.3 | 1,016.3 | 1,016.3 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.83 | 1.39 | 1.08 | 0.33 | 1.65 | 0.63 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.75 | 1.31 | 1.10 | 0.33 | 1.65 | 0.63 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 5.22 | 11.67 | 11.12 | 3.94 | 1.66 | 1.22 | 1.04 | 0.29 | 1.82 | 0.29 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| 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 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,025.8 | 1,016.3 | 1,016.3 | 1,016.3 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.83 | 1.39 | 1.08 | 0.33 | 1.65 | 0.63 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.75 | 1.31 | 1.10 | 0.33 | 1.65 | 0.63 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 5.22 | 11.67 | 11.12 | 3.94 | 1.66 | 1.22 | 1.04 | 0.29 | 1.82 | 0.29 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.08 | (0.02) | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | 5.42 | 10.67 | 11.39 | 3.59 | 2.26 | 0.03 | 4.06 | 1.03 | 1.14 | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Diluted Income available to Common excluding Extraordinary Items | 6.0 | 11.8 | 10.6 | 4.5 | 1.9 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Shares used to calculate Diluted EPS - Total mn | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,025.8 | 1,016.3 | 1,016.3 | 1,016.3 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.83 | 1.39 | 1.08 | 0.33 | 1.65 | 0.63 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.75 | 1.31 | 1.10 | 0.33 | 1.65 | 0.63 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 5.22 | 11.67 | 11.12 | 3.94 | 1.66 | 1.22 | 1.04 | 0.29 | 1.82 | 0.29 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| 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 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,108.7 | 1,025.8 | 1,016.3 | 1,016.3 | 1,016.3 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.83 | 1.39 | 1.08 | 0.33 | 1.65 | 0.63 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.75 | 1.31 | 1.10 | 0.33 | 1.65 | 0.63 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 5.22 | 11.67 | 11.12 | 3.94 | 1.66 | 1.22 | 1.04 | 0.29 | 1.82 | 0.29 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.08 | (0.02) | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | 5.42 | 10.67 | 11.39 | 3.59 | 2.26 | 0.03 | 4.06 | 1.03 | 1.14 | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 2.75 | 2.50 | 2.75 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 2.48 | 2.25 | 2.48 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | 13.6 | 26.6 | 21.7 | 7.9 | 3.1 | 2.7 | 1.7 | 0.3 | 0.3 | 0.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 18.4 | 30.0 | 23.8 | 9.9 | 5.9 | 5.4 | 4.2 | 2.2 | 2.5 | 2.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 18.5 | 30.1 | 23.9 | 10.0 | 5.9 | 5.4 | 4.3 | 3.2 | 3.3 | 3.5 |
| Depreciation & Amortization - Supplemental | 4.5 | 3.3 | 2.1 | 1.9 | 1.6 | 1.6 | 1.6 | 0.7 | 0.8 | 0.7 |
| Depreciation Expense - Total - Supplemental | 4.1 | 3.0 | 1.9 | 1.8 | 1.6 | 1.5 | 1.5 | 0.6 | 0.7 | 0.6 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 1.8 | 1.3 | 0.9 | 0.9 | 0.8 | 0.8 | 0.8 | — | — | — |
| Amortization - Total - Supplemental | 0.4 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Intangible Amortization - Other - Supplemental | 0.4 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Amortization of Computer Software - Supplemental | 0.4 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — |
| Depreciation, Depletion & Amortization - Total | 4.8 | 3.4 | 2.1 | 2.0 | 2.7 | 2.7 | 2.5 | 1.9 | 2.2 | 1.9 |
| Depreciation - Total | 4.4 | 3.2 | 1.9 | 1.9 | 2.7 | 2.6 | 2.4 | 1.8 | 2.1 | 1.9 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.4 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Labor & Related Expenses - Total | 14.9 | 10.5 | 7.9 | 5.5 | 4.5 | 3.7 | 3.1 | 4.0 | 4.0 | 2.7 |
| Labor & Related Expenses - Supplemental | 14.9 | 10.5 | 7.9 | 5.5 | 4.5 | 3.7 | 3.1 | 4.0 | 4.0 | 2.7 |
| 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 | — |
| Fees - Other | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Normalized after Tax Profit | 5.8 | 12.9 | 12.3 | 4.3 | 1.9 | 1.6 | 1.1 | 0.1 | 1.8 | 0.1 |
| Normalized Net Income from Continuing Operations | 5.8 | 12.9 | 12.3 | 4.4 | 1.9 | 1.4 | 1.1 | 0.3 | 1.9 | 0.3 |
| Normalized Net Income - Bottom Line | 5.8 | 12.9 | 12.3 | 4.4 | 1.8 | 1.4 | 1.1 | 0.3 | 1.9 | 0.3 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 13.7 | 26.6 | 21.7 | 8.1 | 3.1 | 2.7 | 1.8 | 0.3 | 0.3 | 0.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 18.6 | 30.1 | 23.8 | 10.1 | 5.9 | 5.4 | 4.3 | 2.2 | 2.5 | 2.4 |
| Loan Losses - Net | — | — | — | — | — | — | 2.0 | (0.1) | — | — |
| Loan Recoveries - Actual | — | — | — | — | — | — | 0.9 | 0.9 | — | — |
| Loan Losses - Actual | — | — | — | — | 0.0 | 0.0 | 2.9 | 0.8 | (0.1) | 0.0 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 0.9 | 0.8 | 0.9 | 0.4 | 0.4 | 0.4 | 0.4 | — | — | — |
| Rental/Operating Lease Expense | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 1.0 | 0.8 | 1.2 |
| Advertising Expenses - Supplemental | 0.7 | 0.4 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 |
| Interest Expense | 38.6 | 66.4 | 52.6 | 25.9 | 12.3 | 13.2 | 12.8 | 6.1 | 5.2 | 5.8 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 36.5 | 45.0 | 35.3 | 16.6 | 10.9 | 9.9 | 8.0 | 6.1 | 5.7 | 6.1 |
| Commissions & Fees from Securities Activities | 0.8 | 0.6 | 0.6 | 0.4 | 0.4 | 0.3 | 0.2 | 0.2 | 0.1 | — |
| Revenue after Loan Provisions - Net - Finance | 75.1 | 111.4 | 87.8 | 42.6 | 23.2 | 23.1 | 20.9 | 12.3 | 11.0 | 11.8 |
| Operating Expenses | 31.2 | 24.1 | 21.5 | 15.4 | 9.6 | 11.3 | 10.5 | 6.8 | 5.7 | 4.5 |
| Foreign Exchange Gain/(Loss) | 1.4 | 1.3 | 0.9 | 1.3 | 0.5 | 0.4 | 0.2 | 0.1 | 0.1 | 0.0 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 31.7 | 22.7 | 16.5 | 11.9 | 9.6 | 8.6 | 7.7 | 6.8 | 6.3 | 6.2 |
| Investment Gain/(Loss) | 4.4 | 0.7 | 0.3 | 0.1 | 0.1 | 0.3 | 0.7 | 0.0 | 0.2 | 0.1 |
| Non-Interest Expense - Bank | 31.5 | 23.7 | 18.2 | 11.3 | 9.5 | 8.6 | 7.6 | 6.8 | 6.5 | 5.8 |
| Income before Taxes & Provision for Loan Losses | 13.4 | 27.0 | 25.0 | 12.0 | 3.3 | 5.4 | 4.6 | 0.3 | (0.4) | (0.9) |
| DPS - Common - Gross - Issue - By Payable Date Rs | 2.75 | 2.50 | 2.75 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 2.75 | 2.50 | 2.75 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| Operating Expenses excluding Non-Cash Charges - Total | 26.4 | 20.7 | 19.4 | 13.4 | 6.9 | 8.6 | 8.0 | 5.0 | 3.5 | 2.5 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 44.8 | 50.7 | 43.2 | 23.3 | 12.8 | 14.0 | 12.3 | 7.2 | 6.0 | 4.9 |
| Income from Earning Assets | 80.0 | 114.8 | 94.0 | 47.8 | 23.8 | 26.3 | 24.5 | 12.3 | 10.6 | 10.3 |
| Income Available to Common Shares before Depreciation & Amortization | 10.8 | 15.3 | 12.7 | 6.5 | 4.8 | 4.3 | 3.6 | 2.2 | 3.8 | 2.6 |
| Commissions and Fees | 3.4 | 2.3 | 1.8 | 1.4 | 1.2 | 0.9 | 0.6 | 0.9 | 0.7 | 0.4 |
| 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 | 2.75 | 2.50 | 2.75 | 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.