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Commercial Banks

BIPL BankIslami Pakistan Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Last close · 16 Oct 2026

Rs 24.41 +0.33%

Quarterly · Q3 FY2021 – Q2 FY2026

BankIslami Pakistan Limited (BIPL) quarterly income statement

BankIslami Pakistan Limited reported total income of Rs 10.6 bn for Q2 FY2026 (Apr – Jun 2026), down 3.5% on Q2 FY2025. Net interest income was Rs 9.3 bn, down 0.5% on Q2 FY2025, with non-interest income of Rs 1.3 bn. Tax of Rs 1.3 bn took 54.0% of pre-tax profit. Profit attributable to shareholders was Rs 1.1 bn, down 37.3% on Q2 FY2025, or Rs 1.02 per share.

BIPL income statement (quarterly) (Rs bn)
Rs bn TTM to Jun 2026 Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income 70.0 17.8 16.7 18.2 17.2 19.2 19.7 26.8 27.4 29.2 29.8 27.5 26.2 22.6 16.6 14.8 13.2 10.6 7.8 6.3 6.0
Interest expense (34.9) (8.4) (8.2) (8.8) (9.4) (9.8) (10.4) (14.2) (15.6) (17.2) (19.7) (15.6) (14.5) (12.9) (9.7) (8.0) (7.5) (6.0) (4.4) (3.4) (3.0)
Net interest income 35.1 9.3 8.5 9.4 7.9 9.4 9.3 12.6 11.8 12.0 10.1 11.9 11.7 9.8 6.9 6.8 5.7 4.6 3.3 2.9 3.0
Fee & commission income (net) 3.3 0.9 0.8 0.9 0.8 1.0 0.7 0.6 0.6 0.5 0.6 0.5 0.5 0.4 0.4 0.4 0.3 0.3 0.4 0.3 0.3
Foreign exchange income 2.2 0.6 0.5 0.3 0.8 0.1 0.1 0.1 (0.2) 1.0 0.4 0.5 (0.2) 0.2 0.4 0.1 0.6 0.4 0.2 0.2 0.1
Gain / (loss) on securities 1.6 (0.2) 0.1 0.8 1.0 0.3 2.1 0.3 0.0 0.1 0.2 0.1 0.1 0.1 0.0 0.0 0.1 0.0 0.0 0.1 0.0
Total non-interest income 6.8 1.3 1.4 1.9 2.2 1.6 3.1 1.0 0.9 0.9 1.5 1.1 0.3 0.8 0.7 0.5 1.0 0.7 0.6 0.6 0.4
Total income 41.9 10.6 9.8 11.4 10.1 11.0 12.3 13.7 12.7 12.9 11.6 13.0 12.1 10.5 7.6 7.3 6.7 5.3 4.0 3.5 3.4
Operating expenses (32.9) (8.2) (7.9) (8.5) (8.2) (7.6) (6.9) (6.9) (6.6) (5.4) (5.3) (6.6) (5.5) (4.9) (4.5) (4.7) (3.9) (3.7) (3.1) (3.0) (2.4)
Provisions & impairment (loans) (0.7) (0.5) (0.6) 0.1 0.2 (0.5) (0.4) 0.4 0.7 0.1 0.3 1.7 1.6 0.9 0.8 1.6 0.9 0.9 0.5 0.3 0.0
Profit before tax 9.3 2.4 1.9 3.1 1.9 3.5 5.5 5.6 6.1 7.5 6.3 5.1 6.7 5.1 3.2 2.7 2.8 1.8 0.9 0.5 1.0
Taxation (5.7) (1.3) (1.0) (2.2) (1.2) (1.7) (2.9) (3.9) (3.1) (3.6) (3.1) (3.0) (3.3) (1.8) (1.4) (1.1) (1.4) (0.9) (0.4) (0.2) (0.4)
Profit after tax 3.6 1.1 0.9 0.9 0.7 1.8 2.6 1.7 3.1 3.8 3.2 2.1 3.4 3.3 1.8 1.6 1.4 0.9 0.5 0.3 0.7
Profit attributable to shareholders 3.6 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4 3.3 1.8 1.6 1.4 0.9 0.5 0.3 0.7
Per share
EPS – basic (Rs) Rs 3.27 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.46 2.90 1.94 3.03 2.98 1.62 1.46 1.28 0.83 0.47 0.23 0.63
EPS – diluted (Rs) Rs 3.27 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.50 2.90 1.94 3.03 2.98 1.62 1.46 1.28 0.83 0.47 0.23 0.63
Dividend per share (Rs) Rs 2.75 1.50 0.00 1.25 0.00 1.50 0.00 1.25 0.00 1.50 0.00 1.00 1.75 0.00 0.00 1.00 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 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
BIPL income statement — year-on-year change (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income -7.5% -15.1% -32.0% -37.1% -34.2% -33.8% -2.3% +4.8% +29.0% +79.6% +86.1% +97.8% +112.9% +113.6% +133.8% +121.2% +89.0% +45.3% +20.9% +3.9%
Interest expense -14.1% -21.0% -38.0% -39.9% -42.7% -47.0% -8.9% +7.7% +33.5% +104.0% +95.2% +92.8% +112.8% +118.9% +132.1% +152.5% +100.9% +54.5% +29.2% +14.3%
Net interest income -0.5% -8.5% -25.4% -33.4% -21.9% -7.9% +6.4% +1.2% +23.1% +45.5% +75.3% +104.3% +113.1% +106.6% +135.8% +90.3% +75.4% +34.8% +12.3% -4.6%
Fee & commission income (net) -18.1% +16.4% +35.4% +33.6% +127.3% +15.7% +20.1% +25.6% +8.8% +73.8% +29.2% +50.9% +32.4% -9.0% +20.1% +20.9% +6.0% +33.5% +44.9% +16.3%
Foreign exchange income +449.8% +239.6% +482.5% — -88.7% -66.8% -89.9% — +349.3% +11.0% +343.8% -132.7% -40.7% +69.0% -37.4% +436.1% +248.5% +249.2% +218.3% +31.9%
Gain / (loss) on securities -180.0% -95.2% +165.6% — +115.7% +873.8% +320.9% -100.0% +17.5% +9,566.9% +2,238.8% +47.9% +3,472.0% -85.6% -95.4% +646.4% +4,410.0% -46.1% +7,328.1% -9.8%
Total non-interest income -20.8% -55.9% +85.1% +161.7% +91.0% +98.6% -8.1% +148.2% +12.1% +113.6% +113.0% -65.8% +8.4% +15.6% -11.0% +163.0% +70.8% +61.5% +101.8% +20.0%
Total income -3.5% -20.3% -16.9% -20.4% -14.5% +6.3% +5.1% +5.4% +22.3% +52.0% +78.1% +78.9% +99.2% +92.2% +110.4% +98.5% +74.7% +38.5% +21.7% -2.3%
Operating expenses +8.7% +15.8% +22.7% +25.4% +39.1% +28.8% +4.8% +18.9% +11.7% +18.1% +41.4% +41.3% +31.6% +44.0% +54.5% +65.2% +85.7% +39.3% -1.0% -4.5%
Provisions & impairment (loans) — — -76.7% -72.3% -863.2% -224.9% -75.3% -56.1% -92.5% -61.9% +5.8% +78.1% +1.8% +80.8% +423.7% +5,378.8% — +679.0% -59.3% -95.4%
Profit before tax -29.4% -65.8% -44.7% -68.8% -53.5% -12.9% +10.5% -8.1% +45.2% +99.5% +88.8% +134.1% +181.5% +262.0% +444.5% +172.6% +74.7% +35.5% — +1.5%
Taxation -20.8% -66.1% -44.6% -59.1% -53.9% -6.9% +30.7% -7.2% +97.6% +126.2% +172.8% +129.7% +101.4% +289.3% +457.0% +307.6% +93.4% +42.0% — +3.2%
Profit after tax -37.3% -65.4% -44.9% -78.4% -53.2% -18.7% -18.6% -9.0% +16.2% +79.2% +30.8% +138.6% +261.2% +243.7% +436.2% +104.2% +59.3% +31.4% — +0.6%
Profit attributable to shareholders -37.3% -65.4% -42.7% -78.8% -53.2% -18.7% -24.5% -6.5% +16.0% +79.2% +32.8% +136.9% +258.0% +243.7% +524.3% +104.2% +48.7% +14.3% — +8.5%
Per share
EPS – basic (Rs) -37.3% -65.4% -42.7% -78.8% -53.2% -18.7% -24.5% -6.5% +16.0% +79.2% +32.8% +136.9% +258.0% +243.7% +524.3% +104.2% +48.7% +14.3% — +8.5%
EPS – diluted (Rs) -37.3% -65.4% -42.7% -78.8% -53.7% -18.7% -24.5% -6.5% +17.3% +79.2% +32.8% +136.9% +258.0% +243.7% +524.3% +104.2% +48.7% +14.3% — +8.5%
Dividend per share (Rs) 0.0% — 0.0% — 0.0% — +25.0% -100.0% — — 0.0% — — — — — — — — —
Weighted average shares — — — — — — — — — — — — — — — — — — — —

Change against the same quarter a year earlier; shown when the earlier figure is positive.

BIPL income statement — common size (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income 167.3% 170.1% 160.6% 170.6% 174.5% 159.7% 196.4% 215.9% 226.6% 256.5% 211.3% 217.1% 214.8% 217.0% 202.2% 196.4% 201.0% 195.3% 181.9% 176.2%
Interest expense (79.5%) (83.9%) (77.6%) (92.6%) (89.2%) (84.6%) (104.0%) (122.6%) (133.2%) (169.8%) (120.0%) (119.9%) (122.1%) (126.5%) (109.5%) (111.3%) (114.3%) (111.1%) (99.3%) (87.5%)
Net interest income 87.9% 86.2% 83.0% 78.0% 85.2% 75.1% 92.3% 93.3% 93.4% 86.7% 91.2% 97.2% 92.8% 90.5% 92.7% 85.1% 86.7% 84.2% 82.7% 88.7%
Fee & commission income (net) 8.1% 8.6% 7.6% 7.7% 9.5% 5.9% 4.7% 4.6% 3.6% 5.4% 4.1% 3.9% 4.0% 4.7% 5.6% 4.6% 6.1% 10.0% 9.9% 7.5%
Foreign exchange income 5.9% 4.6% 2.8% 8.0% 1.0% 1.1% 0.4% (1.3%) 7.8% 3.4% 4.1% (1.7%) 2.1% 4.7% 1.7% 9.5% 7.2% 5.4% 5.6% 3.5%
Gain / (loss) on securities (2.2%) 1.0% 7.0% 9.7% 2.6% 17.1% 2.2% 0.0% 1.0% 1.9% 0.5% 0.7% 1.1% 0.0% 0.0% 0.9% 0.1% 0.4% 1.9% 0.2%
Total non-interest income 12.1% 13.8% 17.0% 22.0% 14.8% 24.9% 7.7% 6.7% 6.6% 13.3% 8.8% 2.8% 7.2% 9.5% 7.3% 14.9% 13.3% 15.8% 17.3% 11.3%
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 (77.5%) (80.9%) (74.7%) (81.5%) (68.8%) (55.7%) (50.6%) (51.8%) (42.3%) (45.9%) (50.7%) (45.9%) (46.3%) (59.1%) (63.9%) (58.1%) (70.1%) (78.9%) (87.0%) (69.8%)
Provisions & impairment (loans) (4.3%) (5.9%) 0.8% 1.9% (4.7%) (3.2%) 3.0% 5.5% 0.5% 2.8% 12.8% 13.1% 8.6% 11.0% 21.5% 13.2% 16.8% 11.7% 8.6% 0.5%
Profit before tax 23.0% 19.1% 27.3% 18.9% 31.5% 44.5% 41.0% 48.2% 57.9% 54.4% 39.0% 55.3% 48.8% 41.4% 36.8% 42.3% 34.5% 22.0% 14.2% 30.8%
Taxation (12.4%) (9.9%) (19.1%) (12.3%) (15.2%) (23.3%) (28.6%) (24.0%) (28.1%) (26.7%) (23.0%) (27.3%) (17.4%) (17.9%) (15.0%) (21.2%) (17.2%) (8.8%) (5.7%) (10.3%)
Profit after tax 10.6% 9.2% 8.2% 6.6% 16.3% 21.2% 12.4% 24.2% 29.8% 27.7% 16.0% 28.0% 31.3% 23.5% 21.7% 21.0% 17.3% 13.1% 8.5% 20.4%
Profit attributable to shareholders 10.6% 9.2% 8.2% 6.6% 16.3% 21.2% 11.9% 24.7% 29.8% 27.7% 16.6% 27.8% 31.4% 23.5% 22.2% 21.0% 17.5% 13.1% 7.5% 20.4%

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. TTM = the latest four quarters added together. Updated 16 Oct 2026.

All reported line items 142
BIPL income statement — all reported line items (Rs bn)
Rs bn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023
Interest & Dividend Income/(Expense) - Net - Finance 9.3 8.5 9.4 7.9 9.4 9.3 12.6 11.8 12.0 10.1 11.9 11.7
Interest & Dividend Income - Finance - Total 17.8 16.7 18.2 17.2 19.2 19.7 26.8 27.4 29.2 29.8 27.5 26.2
Interest Income - Loans/Deposits 8.9 7.4 8.4 6.4 — 8.4 10.1 7.5 — — 10.8 11.6
Interest & Fees on Loans & Receivables 8.9 7.4 8.4 6.4 — 8.4 10.1 7.5 — — 10.8 11.6
Interest & Dividend Income - Other - Finance (0.1) 0.2 0.3 0.2 19.2 0.2 0.3 0.1 29.2 29.8 0.1 0.1
Interest & Dividend Income - Investment Securities - Finance 9.0 9.1 9.6 10.6 — 11.1 16.4 19.9 — — 16.6 14.5
Net Commission & Fees Income/Expense - Business Revenue 0.9 0.8 0.9 0.8 1.0 0.7 0.6 0.6 0.5 0.6 0.5 0.5
Fees & Commissions Income 0.9 0.8 0.9 0.8 1.0 0.7 0.6 0.6 0.5 0.6 0.5 0.5
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 9.0 9.1 9.6 10.6 — 11.1 16.4 19.9 — — 16.6 14.5
Fees & Commissions Expense — — — — — 0.0 0.0 — — — 0.0 0.0
Investments & Loans - Business - Gain/(Loss) (0.2) 0.1 0.8 0.6 0.5 2.2 0.4 0.4 (0.6) 0.5 0.1 0.1
Interest Expense - Finance - Total 8.4 8.2 8.8 9.4 9.8 10.4 14.2 15.6 17.2 19.7 15.6 14.5
Interest Expense - Operational Financing - Business 8.1 7.9 8.5 9.1 9.8 10.0 13.9 15.2 17.2 19.3 15.5 13.6
Interest Expense - Deposits 7.1 6.4 7.3 7.6 — 8.1 11.1 14.6 — 14.4 13.5 11.5
Investment Securities - Business - Gain/(Loss) (0.2) 0.1 0.8 1.0 0.3 2.1 0.3 0.0 0.1 0.2 0.1 0.1
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) (0.2) 0.1 0.8 1.0 0.3 2.1 0.3 0.0 0.1 0.0 0.1 0.1
Interest Expenses - Other - Total 1.0 1.5 1.1 1.4 — 1.9 2.8 0.6 — 4.8 2.0 2.1
Interest Expense - External Financing Business 0.3 0.3 0.3 0.3 — 0.4 0.4 0.4 — 0.4 0.1 0.9
Non-Interest Business Revenue/(Expense) - Net - Total 1.3 1.4 1.9 2.2 1.6 3.1 1.0 0.9 0.9 1.5 1.1 0.3
Derivatives - Hedging - Business - Gain/(Loss) 0.0 (0.0) (0.0) (0.3) 0.2 0.1 0.1 0.4 (0.7) 0.3 — —
Net Foreign Exchange Income/(Expense) - Business Revenue 0.6 0.5 0.3 0.8 0.1 0.1 0.1 (0.2) 1.0 0.4 0.5 (0.2)
Trading Investments/Trading Account Income - Gain/(Loss) — — — — — — — — — 0.2 — —
Trading Investments - Unrealized Gain/(Loss) — — — — — — — — — 0.2 — —
Revenue from Business Activities - Total 10.6 9.8 11.4 10.1 11.0 12.3 13.7 12.7 12.9 11.6 13.0 12.1
Selling, General & Administrative Expenses - Total 8.7 8.5 8.5 8.1 8.0 7.2 6.6 5.9 5.4 5.0 5.0 4.0
Selling, General & Administrative Expenses - Unclassified 7.2 3.0 3.0 2.9 3.2 2.4 2.3 1.8 5.3 4.1 1.9 1.2
Depreciation in Selling, General & Administrative Expenses 1.2 1.1 1.3 1.0 1.0 0.9 0.8 1.2 — 0.8 0.5 0.7
Amortization of Intangibles in Selling, General & Administrative Expenses 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 — 0.1 0.1 0.0
Other Operating Expense/(Income) - Net (0.0) (0.0) (0.2) (0.0) 0.1 0.1 (0.1) (0.0) (0.0) (0.0) (0.0) (0.0)
Operating Expenses - Total 8.2 7.9 8.5 8.2 7.6 6.9 6.9 6.6 5.4 5.3 6.6 5.5
Provision & Impairment for Loan Losses (0.5) (0.6) 0.1 0.2 (0.5) (0.4) 0.4 0.7 0.1 0.3 1.7 1.6
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 0.1 4.0 3.9 3.9 3.7 3.5 3.2 2.7 0.2 0.1 2.5 1.9
Selling, General & Administrative Expenses - Other - Total 0.2 0.2 0.2 0.2 0.1 0.3 0.3 0.0 — — 0.0 0.1
Advertising Expense 0.1 0.2 0.2 0.2 0.1 0.3 0.3 0.0 — — 0.0 0.0
Rental Expense 0.0 0.0 — 0.0 0.0 0.0 — — — — — 0.1
Operating Profit before Non-Recurring Income/(Expense) 2.4 1.9 2.9 1.9 3.4 5.5 6.8 6.1 7.4 6.3 6.4 6.5
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0 — 0.0 (0.1) 0.1
Normalized Pre-tax Profit 2.4 1.9 3.0 1.9 3.4 5.5 6.8 6.1 7.4 6.3 6.3 6.6
Non-Recurring Income/Expense - Total 0.1 (0.0) 0.1 0.0 0.0 0.0 (1.2) (0.0) 0.0 0.0 (1.3) 0.0
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) — 0.0 0.0 — 0.0 1.2 0.1 — (0.0) 1.1 0.0
Early Extinguishment of Lease Related Debts - Gain/(Loss) — — 0.0 0.0 — — — — — — — —
Fair Value Adjustments - Financial Investments 0.0 (0.0) 0.0 (0.0) (0.0) 0.0 0.0 0.0 0.0 — — —
Non-Recurring Income/(Expense) - Other - Total — 0.0 — — 0.0 0.0 0.0 — 0.0 0.0 0.0 0.0
Provision for Income Tax Expense- Unclassified — — — — — — — — 3.6 3.1 — —
Income before Taxes 2.4 1.9 3.1 1.9 3.5 5.5 5.6 6.1 7.5 6.3 5.1 6.7
Equity in Earnings/(Loss) of Affiliates (after Taxes) — — — 0.0 0.0 0.0 (0.1) 0.1 0.0 0.0 0.1 (0.0)
Income Taxes 1.3 1.0 2.2 1.2 1.7 2.9 3.9 3.1 3.6 3.1 3.0 3.3
Income Taxes for the Year - Current 0.6 0.8 0.4 1.1 1.5 2.9 4.1 3.0 — — 1.4 3.4
Income Taxes - Deferred 0.7 0.1 (2.4) 0.1 (0.2) (0.1) (1.5) 0.0 — — 1.1 (0.1)
Income Taxes - Other (by Type) — — 4.2 0.0 0.3 0.0 1.3 0.0 — — 0.4 0.0
Debt Restructuring - Gain/(Loss) 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0 — 0.0 0.0 0.0
Net Income after Tax 1.1 0.9 0.9 0.7 1.8 2.6 1.7 3.1 3.8 3.2 2.1 3.4
Income before Discontinued Operations & Extraordinary Items 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
Net Income before Minority Interest 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
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 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
Income Available to Common Shares 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
Other Comprehensive Income - Starting Line 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 0.5 (1.5) (1.3) 0.1 1.3 (4.1) 0.3 3.2 0.0 (0.7) 3.1 (0.0)
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 0.1 (0.1) 1.4 — — — 0.3 — — 0.0 0.1 0.1
Other Comprehensive Income - Pension Related — — (0.0) — — — (0.0) — — — (0.0) —
Other Comprehensive Income - Net of Tax - Total 0.6 (1.6) 0.1 0.1 1.3 (4.1) 0.5 3.2 0.0 (0.7) 3.1 0.1
Comprehensive Income before Minority Interest - Total 1.7 (0.7) 1.0 0.8 3.0 (1.5) 2.2 6.4 3.9 2.5 5.2 3.4
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 0.0 0.0 0.0
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 1.7 (0.7) 3.7 0.8 3.0 (1.5) (0.9) 6.4 3.8 3.2 5.2 3.4
DPS - Common - Gross - Issue - By Period End Date Rs 1.50 0.00 1.25 0.00 1.50 0.00 1.25 0.00 1.50 0.00 1.00 1.75
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
Income available to Common excluding Extraordinary Items 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
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 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.46 2.90 1.94 3.03
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.46 2.90 1.94 3.03
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 0.97 0.83 0.71 0.59 1.60 2.34 2.52 2.85 3.43 2.87 3.10 2.98
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.9 3.2 2.2 3.4
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× 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 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.50 2.90 1.94 3.03
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.50 2.90 1.94 3.03
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 0.97 0.83 0.71 0.59 1.60 2.34 2.52 2.85 3.43 2.87 3.10 2.98
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 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 1.52 (0.59) 3.30 0.72 2.75 (1.36) (0.81) 5.75 3.46 2.90 4.73 3.07
Dilution Adjustment — — — — — — — — 0.0 — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.9 3.2 2.2 3.4
Diluted Income available to Common excluding Extraordinary Items 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.9 3.2 2.2 3.4
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 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.50 2.90 1.94 3.03
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.50 2.90 1.94 3.03
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 0.97 0.83 0.71 0.59 1.60 2.34 2.52 2.85 3.43 2.87 3.10 2.98
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.9 3.2 2.2 3.4
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× 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 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.50 2.90 1.94 3.03
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 1.02 0.82 0.84 0.60 1.62 2.36 1.47 2.83 3.50 2.90 1.94 3.03
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 0.97 0.83 0.71 0.59 1.60 2.34 2.52 2.85 3.43 2.87 3.10 2.98
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 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 1.52 (0.59) 3.30 0.72 2.75 (1.36) (0.81) 5.75 3.46 2.90 4.73 3.07
DPS - Common - Gross - Issue - By Announcement Date Rs 0.00 1.25 0.00 1.50 0.00 1.25 0.00 1.50 0.00 1.00 1.75 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 1.13 0.00 1.35 0.00 1.13 0.00 1.35 0.00 0.90 1.58 0.00
Earnings before Interest & Taxes (EBIT) 2.4 1.9 2.9 1.9 3.4 5.5 6.8 6.1 7.4 6.3 6.4 6.5
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 4.6 3.7 4.5 3.0 4.5 6.4 7.7 7.4 8.2 7.1 6.9 7.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 4.6 3.7 — 3.0 4.6 6.5 — — — — — 7.1
Depreciation & Amortization - Supplemental 1.3 1.3 1.4 1.1 1.1 0.9 0.8 1.3 — 0.8 0.5 0.8
Depreciation Expense - Total - Supplemental 1.2 1.1 1.3 1.0 1.0 0.9 0.8 1.2 — 0.8 0.5 0.7
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.5 0.5 0.5 0.4 0.5 0.4 0.3 0.4 — 0.4 0.3 0.2
Amortization - Total - Supplemental 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 — 0.1 0.1 0.0
Intangible Amortization - Other - Supplemental 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 — 0.1 0.1 0.0
Depreciation, Depletion & Amortization - Total 2.2 1.8 1.6 1.2 1.1 1.0 0.9 1.3 0.8 0.8 0.5 0.5
Depreciation - Total 2.0 1.7 1.4 1.0 1.0 0.9 0.8 1.2 0.7 0.8 0.5 0.5
Amortization of Intangible Assets excluding Goodwill - Total 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0
Labor & Related Expenses - Total — 4.0 3.9 3.9 3.7 3.5 3.2 2.7 — — 2.5 1.9
Labor & Related Expenses - Supplemental — 4.0 3.9 3.9 3.7 3.5 3.2 2.7 — — 2.5 1.9
Auditor Fees 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 — — — — — —
Normalized after Tax Profit 1.1 0.9 0.8 0.7 1.8 2.6 2.9 3.1 3.8 3.2 3.4 3.3
Normalized Net Income from Continuing Operations 1.1 0.9 0.8 0.7 1.8 2.6 2.8 3.2 3.8 3.2 3.4 3.3
Normalized Net Income - Bottom Line 1.1 0.9 0.8 0.7 1.8 2.6 2.8 3.2 3.8 3.2 3.4 3.3
Earnings before Interest & Taxes (EBIT) - Normalized 2.4 1.9 3.0 1.9 3.4 5.5 6.8 6.1 7.4 6.3 6.3 6.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 4.6 3.7 4.5 3.1 4.6 6.4 7.7 7.4 8.2 7.1 6.9 7.1
Interest Expense on Financial Lease Liabilities - Supplemental 0.2 0.2 0.2 0.2 — 0.3 0.2 0.2 — 0.3 — 0.7
Rental/Operating Lease Expense 0.0 0.0 — 0.0 0.0 0.0 — — — — — 0.1
Advertising Expenses - Supplemental 0.1 0.2 0.2 0.2 0.1 0.3 0.3 0.0 — — 0.0 0.0
Interest Expense 8.4 8.2 8.8 9.4 9.8 10.4 14.2 15.6 17.2 19.7 15.6 14.5
Interest & Dividend Income after Loan Loss Provision - Net - Finance 9.8 9.1 9.3 7.7 9.9 9.7 12.2 11.2 12.0 9.7 10.2 10.1
Commissions & Fees from Securities Activities 0.1 0.2 0.3 0.2 0.2 0.2 0.1 0.1 — — 0.2 0.2
Revenue after Loan Provisions - Net - Finance 18.2 17.3 18.1 17.1 19.7 20.1 26.4 26.7 29.1 29.4 25.8 24.6
Operating Expenses 8.2 7.9 8.5 8.2 7.6 6.9 6.9 6.6 5.4 5.3 6.6 5.5
Foreign Exchange Gain/(Loss) 0.6 0.5 0.3 0.8 0.1 0.1 0.1 (0.2) 1.0 0.4 0.5 (0.2)
Selling, General & Administrative Expenses excluding Research & Development Expenses 8.7 8.5 8.5 8.1 8.0 7.2 6.6 5.9 5.4 5.0 5.0 4.0
Investment Gain/(Loss) (0.1) 0.1 0.9 1.0 0.4 2.1 0.3 0.0 0.2 0.2 0.1 0.1
Non-Interest Expense - Bank 8.6 8.5 8.2 8.0 8.1 7.2 7.7 5.9 5.4 5.0 6.3 3.8
Income before Taxes & Provision for Loan Losses 2.0 1.3 3.2 2.1 2.9 5.1 6.0 6.8 7.5 6.6 6.7 8.2
DPS - Common - Gross - Issue - By Payable Date Rs 0.00 1.25 0.00 1.50 0.00 1.25 0.00 1.50 0.00 1.00 1.75 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 0.00 1.25 0.00 1.50 0.00 1.25 0.00 1.50 0.00 1.00 1.75 0.00
Tax Adjusted Operating Income 1.1 0.9 0.9 0.7 1.8 2.6 1.6 3.1 3.8 3.2 2.2 3.4
Operating Expenses excluding Non-Cash Charges - Total 6.1 6.1 6.9 7.1 6.5 5.9 6.0 5.3 4.6 4.5 6.1 5.0
Revenue Net of Interest Expense Before Loan Loss Provision 10.6 9.8 11.4 10.1 11.0 12.3 13.7 12.7 12.9 11.6 13.0 12.1
Income from Earning Assets 18.2 17.3 19.3 19.0 19.6 21.9 27.2 27.3 30.3 30.6 28.1 26.0
Income Available to Common Shares before Depreciation & Amortization 3.3 2.7 2.5 1.8 2.9 3.6 2.6 4.4 4.6 4.0 2.7 3.8
Commissions and Fees 0.9 0.8 0.9 0.8 1.0 0.7 0.6 0.6 0.5 0.6 0.5 0.5
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 0.00 1.25 0.00 1.50 0.00 1.25 0.00 1.50 0.00 1.00 1.75 0.00

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.