BML Bank Makramah Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 60.16 -2.10%
Annual · FY2006 – FY2025
Bank Makramah Limited (BML) income statement
Bank Makramah Limited reported total income of Rs 2.8 bn for FY2025 (Jan – Dec 2025). Net interest income was -Rs 842.6 mn, with non-interest income of Rs 3.6 bn. Tax of Rs 10.3 bn took 53.8% of pre-tax profit. Profit attributable to shareholders was Rs 8.8 bn, or Rs 167.72 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 | 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 | 18.6 | 38.9 | 31.7 | 8.2 | 4.6 | 5.1 | 8.5 | 10.7 | 10.7 | 10.8 | 9.9 | 9.3 | 10.4 | 9.7 | 7.1 | 7.0 | 2.6 | 0.7 | 0.1 |
| Interest expense | (19.5) | (43.0) | (34.3) | (10.4) | (5.7) | (6.6) | (6.6) | (7.7) | (7.9) | (7.7) | (7.4) | (8.3) | (10.1) | (9.0) | (6.1) | (6.2) | (1.6) | (0.3) | (0.0) |
| Net interest income | (0.8) | (4.1) | (2.6) | (2.2) | (1.1) | (1.5) | 1.9 | 3.0 | 2.8 | 3.1 | 2.5 | 1.0 | 0.3 | 0.6 | 1.0 | 0.8 | 1.0 | 0.4 | 0.1 |
| Fee & commission income (net) | 1.2 | 1.1 | 0.8 | 0.5 | 0.5 | 0.5 | 1.0 | 1.4 | 1.4 | 1.3 | 1.1 | 0.8 | 0.5 | 0.5 | 0.3 | 0.2 | 0.1 | 0.0 | 0.0 |
| Foreign exchange income | 0.2 | 0.5 | 1.1 | 0.8 | 0.3 | 0.2 | 0.8 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.2 | (0.1) | (0.1) | (0.0) | 0.0 | (0.0) |
| Gain / (loss) on securities | 2.3 | 1.2 | (1.3) | 0.0 | 0.5 | 0.8 | (0.0) | 0.4 | 1.2 | 2.4 | 1.4 | 0.1 | 0.4 | (0.1) | 0.3 | 0.1 | 0.0 | 0.3 | 0.0 |
| Total non-interest income | 3.6 | 2.8 | 0.6 | 1.4 | 1.3 | 1.5 | 1.8 | 2.3 | 3.0 | 4.3 | 3.0 | 1.4 | 1.3 | 0.6 | 0.5 | 0.2 | 0.1 | 0.3 | 0.0 |
| Total income | 2.8 | (1.2) | (2.0) | (0.9) | 0.2 | 0.0 | 3.7 | 5.3 | 5.9 | 7.4 | 5.5 | 2.4 | 1.5 | 1.2 | 1.5 | 1.0 | 1.0 | 0.7 | 0.1 |
| Operating expenses | 12.0 | (6.8) | (6.1) | (6.5) | (5.2) | (10.0) | (13.7) | (7.0) | (7.8) | (6.3) | (5.0) | (3.6) | (3.9) | (4.4) | (5.1) | (5.5) | (1.3) | (0.4) | (0.1) |
| Provisions & impairment (loans) | (21.0) | (1.4) | (1.1) | 0.6 | (0.3) | 4.8 | 7.8 | 0.8 | 1.9 | 1.2 | 0.1 | (0.9) | 0.1 | 0.6 | 1.9 | 2.3 | 0.6 | 0.0 | 0.0 |
| Profit before tax | 19.1 | (7.2) | (7.4) | (7.3) | (5.0) | (10.0) | (10.9) | (2.0) | (1.9) | 0.7 | 0.0 | (1.4) | (2.5) | (3.1) | (3.9) | (5.1) | (0.3) | 0.3 | 0.1 |
| Taxation | (10.3) | 2.0 | 2.1 | 4.1 | 2.0 | 3.1 | 2.1 | 0.0 | (0.3) | (0.5) | 0.2 | (0.4) | (0.2) | 2.0 | 0.9 | 1.2 | 0.2 | (0.1) | 0.0 |
| Profit after tax | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 | 0.2 | (1.8) | (2.7) | (1.2) | (3.0) | (3.8) | (0.2) | 0.2 | 0.1 |
| Profit attributable to shareholders | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 | 0.2 | (1.8) | (2.7) | (1.0) | (3.0) | (3.8) | (0.2) | 0.2 | 0.1 |
| Per share | |||||||||||||||||||
| EPS – basic (Rs) Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 3.08 | 3.13 | (28.63) | (47.87) | (21.74) | (99.35) | (134.14) | (7.27) | 8.74 | 3.57 |
| EPS – diluted (Rs) Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 1.90 | 3.13 | (28.63) | (47.87) | (21.74) | (99.35) | (134.14) | (7.27) | 8.74 | 3.57 |
| 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Weighted average shares mn | 52.7 | 274.3 | 280.8 | 138.9 | 138.9 | 138.9 | 138.9 | 118.8 | 114.2 | 77.4 | 77.3 | 63.3 | 56.8 | 48.2 | 30.5 | 28.5 | 26.3 | 26.3 | 26.3 |
| 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 | 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 | -52.2% | +22.8% | +288.8% | +77.3% | -10.4% | -39.7% | -20.7% | +0.4% | -0.9% | +9.4% | +6.0% | -10.5% | +7.8% | +35.4% | +2.3% | +169.9% | +295.1% | +357.3% | — |
| Interest expense | -54.7% | +25.4% | +229.6% | +83.2% | -13.9% | -0.7% | -14.3% | -1.4% | +2.6% | +3.5% | -11.2% | -17.9% | +12.4% | +47.8% | -0.8% | +287.9% | +528.5% | +982.6% | — |
| Net interest income | — | — | — | — | — | -177.8% | -37.4% | +5.4% | -9.4% | +26.7% | +150.9% | +263.6% | -57.2% | -38.2% | +26.3% | -18.3% | +148.0% | +235.3% | — |
| Fee & commission income (net) | +5.5% | +46.2% | +47.1% | -2.2% | +6.5% | -52.1% | -23.9% | -0.0% | +6.2% | +15.6% | +38.7% | +57.1% | +10.4% | +36.2% | +44.4% | +199.4% | +1,034.6% | +1,390.4% | — |
| Foreign exchange income | -62.8% | -54.2% | +34.2% | +216.4% | +39.0% | -77.2% | +29.1% | +27.1% | -8.6% | +5.5% | -3.0% | +34.5% | +133.8% | — | — | — | -1,841.3% | — | — |
| Gain / (loss) on securities | +87.7% | — | -4,325.9% | -93.8% | -38.4% | — | -110.2% | -70.1% | -51.7% | +79.9% | +2,550.9% | -85.8% | — | -120.9% | +301.5% | +1,097.7% | -98.2% | +1,310.4% | — |
| Total non-interest income | +28.8% | +408.1% | -58.9% | +5.7% | -13.7% | -17.9% | -22.8% | -22.7% | -28.7% | +43.0% | +115.7% | +9.5% | +117.9% | +11.7% | +118.0% | +334.0% | -81.6% | +1,325.5% | — |
| Total income | — | — | — | -530.0% | +601.7% | -99.2% | -31.0% | -9.1% | -20.5% | +35.6% | +130.3% | +54.5% | +26.4% | -21.4% | +47.1% | +0.1% | +50.2% | +397.4% | — |
| Operating expenses | -277.4% | +11.5% | -6.3% | +25.9% | -48.6% | -27.0% | +96.6% | -10.7% | +23.9% | +27.2% | +36.8% | -6.2% | -12.9% | -13.5% | -6.8% | +312.8% | +249.8% | +322.8% | — |
| Provisions & impairment (loans) | — | — | -296.1% | — | -106.4% | -38.2% | +887.0% | -58.6% | +59.2% | +1,279.7% | — | -1,348.0% | -88.5% | -67.0% | -17.2% | +275.7% | — | -100.0% | — |
| Profit before tax | — | — | — | — | — | — | — | — | -380.1% | +1,847.9% | — | — | — | — | — | — | -206.2% | +553.5% | — |
| Taxation | — | — | — | — | — | — | — | -112.4% | -44.9% | — | -148.2% | +96.0% | — | — | — | — | -261.1% | — | — |
| Profit after tax | — | — | — | — | — | — | — | — | -1,020.0% | -1.4% | — | — | — | — | — | — | -183.2% | +144.9% | — |
| Profit attributable to shareholders | — | — | — | — | — | — | — | — | -1,020.0% | -1.4% | — | — | — | — | — | — | -183.2% | +144.9% | — |
| Per share | |||||||||||||||||||
| EPS – basic (Rs) | — | — | — | — | — | — | — | — | -723.6% | -1.5% | — | — | — | — | — | — | -183.2% | +144.9% | — |
| EPS – diluted (Rs) | — | — | — | — | — | — | — | — | -1,110.4% | -39.2% | — | — | — | — | — | — | -183.2% | +144.9% | — |
| Dividend per share (Rs) | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | 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 | 663.1% | — | — | — | 2,228.3% | 17,457.6% | 231.0% | 201.1% | 181.9% | 145.9% | 181.0% | 393.3% | 679.2% | 796.3% | 461.9% | 663.8% | 246.0% | 93.5% | 101.7% |
| Interest expense | (693.1%) | — | — | — | (2,750.2%) | (22,416.1%) | (180.1%) | (145.0%) | (133.6%) | (103.5%) | (135.6%) | (351.6%) | (661.5%) | (744.1%) | (395.5%) | (586.4%) | (151.3%) | (36.1%) | (16.6%) |
| Net interest income | (30.0%) | — | — | — | (521.9%) | (4,958.5%) | 50.8% | 56.1% | 48.3% | 42.4% | 45.4% | 41.7% | 17.7% | 52.3% | 66.4% | 77.4% | 94.8% | 57.4% | 85.1% |
| Fee & commission income (net) | 42.3% | — | — | — | 258.8% | 1,704.7% | 28.4% | 25.7% | 23.4% | 17.5% | 20.6% | 34.1% | 33.6% | 38.5% | 22.2% | 22.6% | 7.5% | 1.0% | 0.3% |
| Foreign exchange income | 6.5% | — | — | — | 123.1% | 621.9% | 21.7% | 11.6% | 8.3% | 7.2% | 9.3% | 22.0% | 25.3% | 13.7% | (5.2%) | (6.0%) | (2.8%) | 0.2% | (0.1%) |
| Gain / (loss) on securities | 81.2% | — | — | — | 240.0% | 2,732.0% | (1.0%) | 6.6% | 20.0% | 32.9% | 24.8% | 2.2% | 23.4% | (4.4%) | 16.6% | 6.1% | 0.5% | 41.4% | 14.6% |
| Total non-interest income | 130.0% | — | — | — | 621.9% | 5,058.5% | 49.2% | 43.9% | 51.7% | 57.6% | 54.6% | 58.3% | 82.3% | 47.7% | 33.6% | 22.6% | 5.2% | 42.6% | 14.9% |
| 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% |
| Operating expenses | 428.7% | — | — | — | (2,499.4%) | (34,115.6%) | (372.9%) | (131.0%) | (133.2%) | (85.4%) | (91.1%) | (153.4%) | (252.8%) | (366.9%) | (333.2%) | (525.6%) | (127.4%) | (54.7%) | (64.4%) |
| Provisions & impairment (loans) | (749.3%) | — | — | — | (150.0%) | 16,391.3% | 211.6% | 14.8% | 32.5% | 16.2% | 1.6% | (38.7%) | 4.8% | 52.8% | 125.6% | 223.2% | 59.4% | 0.0% | 0.0% |
| Profit before tax | 681.7% | — | — | — | (2,399.4%) | (34,015.6%) | (296.4%) | (36.5%) | (33.0%) | 9.4% | 0.7% | (58.5%) | (163.1%) | (259.9%) | (252.1%) | (483.1%) | (33.1%) | 46.8% | 35.6% |
| Taxation | (367.1%) | — | — | — | 988.6% | 10,441.8% | 57.9% | 0.6% | (4.3%) | (6.1%) | 3.8% | (18.1%) | (14.2%) | 162.3% | 55.6% | 118.8% | 14.9% | (13.9%) | 31.3% |
| Profit after tax | 314.6% | — | — | — | (1,410.8%) | (23,573.9%) | (238.5%) | (36.0%) | (37.3%) | 3.2% | 4.4% | (76.6%) | (177.4%) | (97.6%) | (196.6%) | (364.3%) | (18.3%) | 33.0% | 66.9% |
| Profit attributable to shareholders | 314.6% | — | — | — | (1,410.8%) | (23,573.9%) | (238.5%) | (36.0%) | (37.3%) | 3.2% | 4.4% | (76.6%) | (177.4%) | (86.4%) | (196.6%) | (364.3%) | (18.3%) | 33.0% | 66.9% |
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 116
| 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 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | (0.8) | (4.1) | (2.6) | (2.2) | (1.1) | (1.5) | 1.9 | 3.0 | 2.8 | 3.1 |
| Interest & Dividend Income - Finance - Total | 18.6 | 38.9 | 31.7 | 8.2 | 4.6 | 5.1 | 8.5 | 10.7 | 10.7 | 10.8 |
| Interest & Dividend Income - Other - Finance | 18.6 | 38.9 | 31.7 | 8.2 | 4.6 | 5.1 | 8.5 | 10.7 | 10.7 | 10.8 |
| Net Commission & Fees Income/Expense - Business Revenue | 1.2 | 1.1 | 0.8 | 0.5 | 0.5 | 0.5 | 1.0 | 1.4 | 1.4 | 1.3 |
| Fees & Commissions Income | 1.2 | 1.1 | 0.8 | 0.5 | 0.5 | 0.5 | 1.0 | 1.4 | 1.4 | 1.3 |
| Investments & Loans - Business - Gain/(Loss) | 2.3 | 1.2 | (1.3) | 0.0 | 0.5 | 0.8 | (0.0) | 0.4 | 1.2 | 2.4 |
| Interest Expense - Finance - Total | 19.5 | 43.0 | 34.3 | 10.4 | 5.7 | 6.6 | 6.6 | 7.7 | 7.9 | 7.7 |
| Interest Expense - Operational Financing - Business | 19.5 | 43.0 | 34.3 | 10.4 | 5.7 | 6.6 | 6.6 | 7.7 | 7.9 | 7.7 |
| Investment Securities - Business - Gain/(Loss) | 2.3 | 1.2 | (1.3) | 0.0 | 0.5 | 0.8 | (0.0) | 0.4 | 1.2 | 2.4 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 2.3 | 1.2 | (1.3) | 0.0 | 0.5 | 0.8 | (0.0) | 0.4 | 1.2 | 2.4 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 3.6 | 2.8 | 0.6 | 1.4 | 1.3 | 1.5 | 1.8 | 2.3 | 3.0 | 4.3 |
| Derivatives - Hedging - Business - Gain/(Loss) | 0.0 | — | 0.0 | 0.0 | 0.0 | — | — | — | — | — |
| Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) | 0.0 | — | 0.0 | 0.0 | 0.0 | — | — | — | — | — |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 0.2 | 0.5 | 1.1 | 0.8 | 0.3 | 0.2 | 0.8 | 0.6 | 0.5 | 0.5 |
| 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) |
| Revenue from Business Activities - Total | 2.8 | (1.2) | (2.0) | (0.9) | 0.2 | 0.0 | 3.7 | 5.3 | 5.9 | 7.4 |
| Selling, General & Administrative Expenses - Total | 9.0 | 8.2 | 7.2 | 5.9 | 5.5 | 5.2 | 5.7 | 6.2 | 5.9 | 5.2 |
| Selling, General & Administrative Expenses - Unclassified | 7.6 | 7.2 | 6.2 | 4.8 | 4.4 | 4.1 | 5.0 | 5.4 | 5.2 | 4.6 |
| Depreciation in Selling, General & Administrative Expenses | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 0.7 | 0.7 | 0.6 | 0.6 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Other Operating Expense/(Income) - Net | 0.0 | 0.0 | (0.0) | (0.0) | (0.1) | (0.0) | 0.2 | 0.0 | 0.0 | (0.1) |
| Other Operating Income - Total | — | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Operating Expenses - Total | (12.0) | 6.8 | 6.1 | 6.5 | 5.2 | 10.0 | 13.7 | 7.0 | 7.8 | 6.3 |
| Provision & Impairment for Loan Losses | (21.0) | (1.4) | (1.1) | 0.6 | (0.3) | 4.8 | 7.8 | 0.8 | 1.9 | 1.2 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 14.8 | (8.0) | (8.1) | (7.4) | (5.0) | (10.0) | (10.1) | (1.7) | (2.0) | 1.1 |
| Other Operating Expense | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | 0.0 | 0.0 |
| Operating Provisions - Increase/(Decrease) | — | — | — | — | — | — | 0.1 | 0.1 | 0.1 | (0.0) |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 4.2 | 0.7 | 0.6 | 0.1 | — | — | 0.3 | 0.0 | 0.0 | 0.0 |
| Normalized Pre-tax Profit | 19.1 | (7.3) | (7.5) | (7.3) | (5.0) | (10.0) | (9.8) | (1.6) | (1.9) | 1.1 |
| Non-Recurring Income/Expense - Total | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | — | (1.1) | (0.3) | (0.0) | (0.4) |
| Impairment - Tangible & Intangible Fixed Assets | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Fixed Assets | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Financial Investments | — | — | — | — | — | — | 1.1 | 0.3 | 0.0 | 0.4 |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.1 | 0.1 | 0.1 | 0.0 | — | — | — | — | — | — |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | 0.0 | 0.0 | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 10.3 | (2.0) | — | — | — | — | — | — | — | — |
| Income before Taxes | 19.1 | (7.2) | (7.4) | (7.3) | (5.0) | (10.0) | (10.9) | (2.0) | (1.9) | 0.7 |
| Income Taxes | 10.3 | (2.0) | (2.1) | (4.1) | (2.0) | (3.1) | (2.1) | (0.0) | 0.3 | 0.5 |
| Income Taxes for the Year - Current | — | — | 0.4 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 |
| Income Taxes - Deferred | — | — | (2.5) | (4.2) | (2.1) | (3.2) | (2.3) | (0.2) | 0.1 | 0.3 |
| Income Taxes - Other (by Type) | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Income after Tax | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Income before Discontinued Operations & Extraordinary Items | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Net Income before Minority Interest | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Net Income after Minority Interest | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Income Available to Common Shares | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| 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 | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Income available to Common excluding Extraordinary Items | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Shares used to calculate Basic EPS - Total mn | 52.7 | 274.3 | 280.8 | 138.9 | 138.9 | 138.9 | 138.9 | 118.8 | 114.2 | 77.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 3.08 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 3.08 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 166.49 | (19.40) | (19.25) | (22.95) | (20.96) | (49.92) | (55.20) | (13.36) | (18.91) | 8.10 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| 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 | 52.7 | 274.3 | 280.8 | 138.9 | 138.9 | 138.9 | 138.9 | 118.8 | 114.2 | 77.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 3.08 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 3.08 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 166.49 | (19.40) | (19.25) | (22.95) | (20.96) | (49.92) | (55.20) | (13.36) | (18.91) | 8.10 |
| 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 | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Diluted Income available to Common excluding Extraordinary Items | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| Shares used to calculate Diluted EPS - Total mn | 52.7 | 274.3 | 280.8 | 138.9 | 138.9 | 138.9 | 138.9 | 118.8 | 114.2 | 125.4 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 1.90 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 1.90 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 166.49 | (19.40) | (19.25) | (22.95) | (20.96) | (49.92) | (55.20) | (13.36) | (18.91) | 5.00 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 8.8 | (5.2) | (5.3) | (3.2) | (2.9) | (6.9) | (8.8) | (1.9) | (2.2) | 0.2 |
| 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 | 52.7 | 274.3 | 280.8 | 138.9 | 138.9 | 138.9 | 138.9 | 118.8 | 114.2 | 128.9 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 1.85 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 167.72 | (18.98) | (18.97) | (22.95) | (20.96) | (49.92) | (63.29) | (16.17) | (19.19) | 1.85 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 166.49 | (19.40) | (19.25) | (22.95) | (20.96) | (49.92) | (55.20) | (13.36) | (18.91) | 4.86 |
| 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) | 14.8 | (8.0) | (8.1) | (7.4) | (5.0) | (10.0) | (10.1) | (1.7) | (2.0) | 1.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 15.9 | (7.0) | (7.1) | (6.3) | (3.8) | (8.9) | (9.3) | (0.9) | (1.3) | 1.7 |
| Depreciation & Amortization - Supplemental | 1.0 | 1.0 | 1.0 | 1.1 | 1.2 | 1.2 | 0.7 | 0.7 | 0.7 | 0.6 |
| Depreciation Expense - Total - Supplemental | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 0.7 | 0.7 | 0.6 | 0.6 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 0.5 | 0.5 | 0.6 | 0.6 | 0.6 | 0.5 | — | — | — | — |
| Amortization - Total - Supplemental | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Amortization - Other - Supplemental | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | — | — |
| Amortization of Computer Software - Supplemental | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — |
| Amortization of Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Supplemental | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — |
| Depreciation, Depletion & Amortization - Total | 1.1 | 1.0 | 1.0 | 1.1 | 1.2 | 1.2 | 0.8 | 0.8 | 0.7 | 0.6 |
| Depreciation - Total | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 0.7 | 0.7 | 0.6 | 0.6 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Auditor Fees | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — |
| Audit-Related Fees | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — |
| Normalized after Tax Profit | 8.8 | (5.3) | (5.4) | (3.2) | (2.9) | (6.9) | (7.7) | (1.6) | (2.2) | 0.6 |
| Normalized Net Income from Continuing Operations | 8.8 | (5.3) | (5.4) | (3.2) | (2.9) | (6.9) | (7.7) | (1.6) | (2.2) | 0.6 |
| Normalized Net Income - Bottom Line | 8.8 | (5.3) | (5.4) | (3.2) | (2.9) | (6.9) | (7.7) | (1.6) | (2.2) | 0.6 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 19.1 | (7.3) | (7.5) | (7.3) | (5.0) | (10.0) | (9.8) | (1.6) | (1.9) | 1.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 20.2 | (6.3) | (6.4) | (6.2) | (3.8) | (8.9) | (9.1) | (0.8) | (1.2) | 1.7 |
| Loan Recoveries - Actual | — | — | — | — | — | — | 0.0 | 0.0 | — | — |
| Interest Expense | 19.5 | 43.0 | 34.3 | 10.4 | 5.7 | 6.6 | 6.6 | 7.7 | 7.9 | 7.7 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 20.2 | (2.7) | (1.4) | (2.8) | (0.8) | (6.3) | (5.9) | 2.2 | 0.9 | 1.9 |
| Revenue after Loan Provisions - Net - Finance | 39.6 | 40.3 | 32.8 | 7.6 | 4.9 | 0.3 | 0.7 | 9.9 | 8.8 | 9.6 |
| Operating Expenses | (12.0) | 6.8 | 6.1 | 6.5 | 5.2 | 10.0 | 13.7 | 7.0 | 7.8 | 6.3 |
| Foreign Exchange Gain/(Loss) | 0.2 | 0.5 | 1.1 | 0.8 | 0.3 | 0.2 | 0.8 | 0.6 | 0.5 | 0.5 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 9.0 | 8.2 | 7.2 | 5.9 | 5.5 | 5.2 | 5.7 | 6.2 | 5.9 | 5.2 |
| Investment Gain/(Loss) | 2.3 | 1.2 | (1.3) | 0.0 | 0.5 | 0.8 | 0.0 | 0.5 | 1.2 | 2.5 |
| Non-Interest Expense - Bank | 4.7 | 7.4 | 6.5 | 5.8 | 5.5 | 5.2 | 6.8 | 6.5 | 5.9 | 5.5 |
| Income before Taxes & Provision for Loan Losses | (1.9) | (8.6) | (8.5) | (6.7) | (5.3) | (5.2) | (3.1) | (1.2) | (0.0) | 1.9 |
| 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 | 8.8 | — | — | — | — | — | — | — | — | 0.2 |
| Operating Expenses excluding Non-Cash Charges - Total | (13.1) | 5.8 | 5.1 | 5.4 | 4.0 | 8.9 | 13.0 | 6.2 | 7.2 | 5.7 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 2.8 | (1.2) | (2.0) | (0.9) | 0.2 | 0.0 | 3.7 | 5.3 | 5.9 | 7.4 |
| Income from Earning Assets | 21.1 | 40.6 | 31.5 | 9.0 | 5.3 | 6.1 | 9.3 | 11.7 | 12.3 | 13.7 |
| Income Available to Common Shares before Depreciation & Amortization | 9.9 | (4.2) | (4.3) | (2.1) | (1.7) | (5.8) | (8.0) | (1.2) | (1.5) | 0.8 |
| Commissions and Fees | 1.2 | 1.1 | 0.8 | 0.5 | 0.5 | 0.5 | 1.0 | 1.4 | 1.4 | 1.3 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.35× | 0.30× | 0.31× | 0.32× | 0.33× |
| 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.