BOP The Bank of Punjab
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 28.78 -0.10%
Annual · FY2006 – FY2025
The Bank of Punjab (BOP) income statement
The Bank of Punjab reported total income of Rs 99.7 bn for FY2025 (Jan – Dec 2025), up 43.7% on FY2024. Net interest income was Rs 81.5 bn, up 82.6% on FY2024, with non-interest income of Rs 18.2 bn. Tax of Rs 19.9 bn took 56.1% of pre-tax profit. Profit attributable to shareholders was Rs 15.4 bn, up 17.6% on FY2024, or Rs 4.71 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 | 266.7 | 344.2 | 327.8 | 138.0 | 82.2 | 86.3 | 81.1 | 47.0 | 34.8 | 29.7 | 31.3 | 29.6 | 24.3 | 24.9 | 21.0 | 18.6 | 16.6 | 19.8 | 19.3 | 13.0 |
| Interest expense | (185.3) | (299.6) | (286.2) | (106.4) | (51.8) | (62.7) | (54.1) | (26.8) | (19.1) | (17.4) | (20.2) | (20.5) | (20.2) | (22.5) | (21.1) | (18.8) | (19.0) | (16.6) | (13.9) | (7.5) |
| Net interest income | 81.5 | 44.6 | 41.6 | 31.6 | 30.4 | 23.6 | 27.0 | 20.2 | 15.7 | 12.3 | 11.1 | 9.0 | 4.2 | 2.4 | (0.1) | (0.2) | (2.5) | 3.2 | 5.5 | 5.5 |
| Fee & commission income (net) | 13.0 | 11.0 | 7.2 | 7.0 | 4.9 | 3.6 | 3.4 | 3.1 | 2.7 | 0.9 | 0.7 | 0.8 | 0.7 | 0.8 | 0.7 | 0.6 | 0.7 | 0.6 | 0.7 | 0.5 |
| Foreign exchange income | 2.3 | 0.9 | 0.3 | 1.9 | 0.6 | 0.3 | 0.0 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 | 0.2 | 0.3 | 0.4 | 0.2 |
| Gain / (loss) on securities | 3.0 | 12.9 | 5.3 | 0.3 | 1.8 | 8.5 | 0.2 | 0.0 | 1.3 | 2.5 | 5.0 | 0.7 | 1.4 | 1.5 | 0.3 | 0.3 | (0.1) | 0.7 | 2.0 | 0.4 |
| Total non-interest income | 18.2 | 24.8 | 12.7 | 9.3 | 7.2 | 12.4 | 3.6 | 3.4 | 4.2 | 3.5 | 5.8 | 1.7 | 2.2 | 2.4 | 1.2 | 1.0 | 0.8 | 1.6 | 3.1 | 1.1 |
| Total income | 99.7 | 69.4 | 54.3 | 40.9 | 37.6 | 35.9 | 30.6 | 23.6 | 19.9 | 15.8 | 17.0 | 10.7 | 6.4 | 4.7 | 1.1 | 0.8 | (1.7) | 4.8 | 8.5 | 6.6 |
| Operating expenses | (65.0) | (46.1) | (36.5) | (21.4) | (19.0) | (23.8) | (16.2) | (11.1) | (24.5) | (7.6) | (9.4) | (6.3) | (3.4) | (3.1) | (0.1) | (4.3) | (11.8) | (21.3) | (3.7) | (1.6) |
| Provisions & impairment (loans) | 5.0 | (4.1) | (1.5) | (5.0) | (1.8) | 6.1 | 1.6 | (2.1) | 14.1 | 0.9 | 3.4 | 1.1 | (0.7) | (1.0) | (3.2) | 0.6 | 9.2 | 18.9 | 1.9 | 0.3 |
| Profit before tax | 35.4 | 24.4 | 21.1 | 18.4 | 18.4 | 11.9 | 14.1 | 12.3 | (4.7) | 8.1 | 7.5 | 4.4 | 3.0 | 1.5 | 0.5 | (6.2) | (14.4) | (16.9) | 4.9 | 4.8 |
| Taxation | (19.9) | (11.2) | (9.9) | (7.7) | (6.0) | (5.0) | (5.8) | (4.7) | 1.4 | (3.2) | (2.8) | (1.5) | (1.1) | 0.2 | (0.2) | 2.2 | 4.3 | 6.8 | (0.4) | (1.0) |
| Profit after tax | 15.5 | 13.3 | 11.3 | 10.7 | 12.4 | 6.9 | 8.3 | 7.6 | (3.3) | 4.9 | 4.7 | 2.8 | 1.9 | 1.7 | 0.3 | (4.0) | (10.1) | (10.1) | 4.5 | 3.8 |
| Profit attributable to shareholders | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 | 4.7 | 2.8 | 1.9 | 1.7 | 0.3 | (4.0) | (10.1) | (10.1) | 4.5 | 3.8 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 | 2.30 | 1.49 | 1.75 | 2.36 | 0.40 | (5.48) | (13.67) | (13.66) | 5.61 | 5.16 |
| EPS – diluted (Rs) Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 | 2.30 | 1.49 | 1.75 | 2.36 | 0.40 | (5.48) | (13.67) | (13.66) | 5.61 | 5.16 |
| Dividend per share (Rs) Rs | 2.50 | 1.80 | 1.00 | 0.00 | 0.00 | 0.81 | 0.61 | 0.61 | 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 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 2,540.8 | 2,055.6 | 2,055.6 | 1,903.0 | 1,095.4 | 738.4 | 738.4 | 738.4 | 738.4 | 738.4 | 793.5 | 737.2 |
| 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 | -22.5% | +5.0% | +137.5% | +67.9% | -4.7% | +6.4% | +72.3% | +35.0% | +17.2% | -5.0% | +6.0% | +21.5% | -2.2% | +18.7% | +12.6% | +12.4% | -16.3% | +2.4% | +49.0% | — |
| Interest expense | -38.2% | +4.7% | +169.0% | +105.5% | -17.4% | +15.9% | +101.6% | +40.5% | +9.5% | -13.7% | -1.6% | +1.7% | -10.4% | +6.9% | +12.1% | -1.2% | +14.5% | +19.9% | +84.6% | — |
| Net interest income | +82.6% | +7.3% | +31.5% | +3.9% | +29.1% | -12.6% | +33.4% | +28.3% | +27.9% | +10.7% | +23.1% | +117.5% | +75.9% | — | — | — | -177.8% | -42.1% | +0.1% | — |
| Fee & commission income (net) | +18.4% | +53.6% | +1.7% | +44.5% | +36.9% | +4.2% | +8.5% | +15.3% | +209.3% | +21.8% | -12.4% | +16.9% | -7.2% | +5.2% | +28.8% | -14.4% | +13.4% | -12.1% | +37.5% | — |
| Foreign exchange income | +165.2% | +188.7% | -84.2% | +227.1% | +75.7% | +2,997.8% | -95.3% | +107.6% | +45.1% | -31.1% | -40.6% | +24.7% | -9.5% | +1.8% | +19.0% | -45.7% | -23.7% | -14.0% | +57.3% | — |
| Gain / (loss) on securities | -77.1% | +145.7% | +1,433.6% | -80.8% | -78.9% | +3,721.2% | +697.9% | -97.9% | -47.9% | -49.6% | +650.8% | -52.0% | -4.9% | +349.2% | +4.3% | — | -117.1% | -64.0% | +424.2% | — |
| Total non-interest income | -26.4% | +95.0% | +37.1% | +28.2% | -41.5% | +238.7% | +7.2% | -18.1% | +19.3% | -40.4% | +248.1% | -25.2% | -5.9% | +97.1% | +19.9% | +29.4% | -52.4% | -46.8% | +177.5% | — |
| Total income | +43.7% | +27.9% | +32.8% | +8.6% | +4.8% | +17.4% | +29.6% | +18.6% | +26.0% | -6.9% | +58.4% | +67.5% | +34.8% | +329.6% | +33.3% | — | -135.0% | -43.7% | +30.1% | — |
| Operating expenses | +41.0% | +26.4% | +70.6% | +12.8% | -20.2% | +46.5% | +45.7% | -54.6% | +221.0% | -18.4% | +48.9% | +85.2% | +8.5% | +5,161.2% | -98.6% | -63.7% | -44.7% | +478.1% | +125.9% | — |
| Provisions & impairment (loans) | — | — | — | — | -129.8% | +270.1% | — | -115.2% | +1,432.3% | -73.1% | +206.8% | — | — | — | -665.4% | -93.9% | -51.0% | +899.3% | +454.0% | — |
| Profit before tax | +44.8% | +15.7% | +15.0% | +0.0% | +54.0% | -15.2% | +14.7% | — | -158.3% | +7.4% | +72.0% | +46.5% | +96.6% | +222.5% | — | — | — | -447.2% | +1.8% | — |
| Taxation | +78.0% | +13.0% | +28.1% | +29.0% | +18.4% | -12.9% | +24.6% | — | -143.2% | +14.8% | +83.0% | +42.9% | — | -231.6% | — | — | — | -1,786.8% | -58.5% | — |
| Profit after tax | +16.9% | +18.0% | +5.5% | -13.9% | +80.2% | -16.9% | +8.6% | — | -168.2% | +3.1% | +66.0% | +48.4% | +9.8% | +491.5% | — | — | — | -326.4% | +17.1% | — |
| Profit attributable to shareholders | +17.6% | +18.1% | +4.3% | -13.7% | +80.6% | -16.4% | +8.3% | — | -169.6% | +3.1% | +66.0% | +48.4% | +9.8% | +491.5% | — | — | — | -326.4% | +17.1% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +17.6% | +18.1% | +4.3% | -13.7% | +80.6% | -16.4% | +8.3% | — | -156.3% | +3.1% | +53.7% | -14.6% | -26.0% | +491.5% | — | — | — | -343.3% | +8.8% | — |
| EPS – diluted (Rs) | +17.6% | +18.1% | +4.3% | -13.7% | +80.6% | -16.4% | +8.3% | — | -156.3% | +3.1% | +53.7% | -14.6% | -26.0% | +491.5% | — | — | — | -343.3% | +8.8% | — |
| Dividend per share (Rs) | +38.9% | +80.0% | — | — | -100.0% | +33.3% | 0.0% | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | 267.5% | 496.1% | 604.1% | 337.7% | 218.3% | 240.2% | 264.9% | 199.3% | 175.1% | 188.3% | 184.7% | 276.0% | 380.4% | 524.5% | 1,898.6% | 2,248.1% | — | 411.9% | 226.4% | 197.5% |
| Interest expense | (185.8%) | (431.8%) | (527.5%) | (260.4%) | (137.6%) | (174.6%) | (176.9%) | (113.7%) | (96.0%) | (110.4%) | (119.1%) | (191.7%) | (315.5%) | (474.7%) | (1,908.1%) | (2,269.8%) | — | (346.0%) | (162.4%) | (114.4%) |
| Net interest income | 81.7% | 64.3% | 76.6% | 77.3% | 80.8% | 65.6% | 88.1% | 85.6% | 79.1% | 78.0% | 65.6% | 84.3% | 64.9% | 49.8% | (9.5%) | (21.7%) | — | 65.9% | 64.0% | 83.1% |
| Fee & commission income (net) | 13.0% | 15.8% | 13.2% | 17.2% | 12.9% | 9.9% | 11.2% | 13.3% | 13.7% | 5.6% | 4.3% | 7.7% | 11.1% | 16.1% | 65.6% | 67.9% | — | 12.1% | 7.7% | 7.3% |
| Foreign exchange income | 2.3% | 1.2% | 0.5% | 4.6% | 1.5% | 0.9% | 0.0% | 1.0% | 0.5% | 0.5% | 0.6% | 1.7% | 2.3% | 3.4% | 14.5% | 16.2% | — | 6.8% | 4.4% | 3.7% |
| Gain / (loss) on securities | 3.0% | 18.6% | 9.7% | 0.8% | 4.7% | 23.6% | 0.7% | 0.1% | 6.6% | 16.0% | 29.5% | 6.2% | 21.7% | 30.7% | 29.4% | 37.6% | — | 15.3% | 23.9% | 5.9% |
| Total non-interest income | 18.3% | 35.7% | 23.4% | 22.7% | 19.2% | 34.4% | 11.9% | 14.4% | 20.9% | 22.0% | 34.4% | 15.7% | 35.1% | 50.2% | 109.5% | 121.7% | — | 34.1% | 36.0% | 16.9% |
| 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% | — | 100.0% | 100.0% | 100.0% |
| Operating expenses | (65.2%) | (66.4%) | (67.2%) | (52.3%) | (50.4%) | (66.1%) | (53.0%) | (47.1%) | (123.2%) | (48.4%) | (55.2%) | (58.7%) | (53.1%) | (66.0%) | (5.4%) | (515.9%) | — | (443.1%) | (43.1%) | (24.8%) |
| Provisions & impairment (loans) | 5.0% | (5.9%) | (2.7%) | (12.2%) | (4.8%) | 16.9% | 5.4% | (9.1%) | 71.0% | 5.8% | 20.2% | 10.4% | (10.5%) | (20.3%) | (286.5%) | 67.6% | — | 392.9% | 22.1% | 5.2% |
| Profit before tax | 35.5% | 35.2% | 38.9% | 45.0% | 48.8% | 33.2% | 46.0% | 52.0% | (23.6%) | 51.0% | 44.2% | 40.7% | 46.6% | 31.9% | 42.5% | (748.8%) | — | (351.1%) | 56.9% | 72.7% |
| Taxation | (19.9%) | (16.1%) | (18.2%) | (18.9%) | (15.9%) | (14.0%) | (18.9%) | (19.7%) | 6.9% | (20.2%) | (16.4%) | (14.2%) | (16.6%) | 4.8% | (15.8%) | 260.2% | — | 141.1% | (4.7%) | (14.7%) |
| Profit after tax | 15.6% | 19.1% | 20.7% | 26.1% | 32.9% | 19.2% | 27.1% | 32.3% | (16.7%) | 30.8% | 27.8% | 26.5% | 29.9% | 36.8% | 26.7% | (488.5%) | — | (210.0%) | 52.2% | 58.0% |
| Profit attributable to shareholders | 15.4% | 18.9% | 20.4% | 26.0% | 32.7% | 19.0% | 26.7% | 31.9% | (17.0%) | 30.8% | 27.8% | 26.5% | 29.9% | 36.8% | 26.7% | (488.5%) | — | (210.0%) | 52.2% | 58.0% |
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 153
| 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 | 81.5 | 44.6 | 41.6 | 31.6 | 30.4 | 23.6 | 27.0 | 20.2 | 15.7 | 12.3 |
| Interest & Dividend Income - Finance - Total | 266.7 | 344.2 | 327.8 | 138.0 | 82.2 | 86.3 | 81.1 | 47.0 | 34.8 | 29.7 |
| Interest Income - Loans/Deposits | 100.4 | 123.1 | 160.5 | 69.2 | 37.1 | 40.4 | 49.1 | 30.4 | 20.9 | 17.1 |
| Interest & Fees on Loans & Receivables | 98.0 | 117.8 | 155.6 | 66.0 | 35.3 | 39.0 | 46.3 | 28.9 | 20.6 | 16.9 |
| Interest Income - Deposits to Other Financial Institutions | 2.4 | 5.2 | 1.5 | 1.2 | 0.8 | 0.3 | 0.6 | — | — | — |
| Interest & Dividend Income - Other - Finance | 1.9 | 5.4 | 0.6 | 0.7 | 0.4 | 0.1 | 0.1 | 0.7 | 0.7 | 0.2 |
| Interest Income - Collateralized Financing | — | — | 3.4 | 2.0 | 1.0 | 1.1 | 2.3 | 1.5 | 0.3 | 0.2 |
| Interest & Dividend Income - Investment Securities - Finance | 164.5 | 215.7 | 166.7 | 68.1 | 44.7 | 45.8 | 31.8 | 15.9 | 13.2 | 12.4 |
| Net Commission & Fees Income/Expense - Business Revenue | 13.0 | 11.0 | 7.2 | 7.0 | 4.9 | 3.6 | 3.4 | 3.1 | 2.7 | 0.9 |
| Fees & Commissions Income | 13.7 | 11.5 | 7.5 | 7.4 | 5.1 | 3.8 | 3.6 | 3.3 | 2.8 | 1.0 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 164.5 | 215.7 | 166.7 | 68.1 | 44.7 | 45.8 | 31.8 | 15.9 | 13.2 | 12.4 |
| Fees & Commissions Expense | 0.7 | 0.5 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Investments & Loans - Business - Gain/(Loss) | 3.0 | 12.9 | 5.3 | 0.3 | 1.8 | 8.5 | 0.2 | 0.0 | 1.3 | 2.5 |
| Interest Expense - Finance - Total | 185.3 | 299.6 | 286.2 | 106.4 | 51.8 | 62.7 | 54.1 | 26.8 | 19.1 | 17.4 |
| Interest Expense - Operational Financing - Business | 138.3 | 231.3 | 273.7 | 101.0 | 44.7 | 55.1 | 48.5 | 24.7 | 17.3 | 17.3 |
| Interest Expense - Deposits | 138.2 | 230.5 | 190.7 | 90.7 | 44.0 | 52.5 | 47.0 | 23.6 | 17.1 | 15.4 |
| Investment Securities - Business - Gain/(Loss) | 3.0 | 12.9 | 5.3 | 0.3 | 1.8 | 8.5 | 0.2 | 0.0 | 1.3 | 2.5 |
| Interest Expense - Collateralized Financing | — | — | 82.9 | 10.3 | 0.7 | 2.7 | 1.6 | 1.1 | 0.2 | 1.8 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 4.0 | — | 5.2 | (0.1) | 0.0 | 0.0 | (0.0) | 0.0 | 1.3 | 2.5 |
| Interest Expenses - Other - Total | 0.1 | 0.8 | — | — | — | — | — | — | — | — |
| Interest Expense - External Financing Business | 46.9 | 68.3 | 12.6 | 5.4 | 7.1 | 7.6 | 5.6 | 2.1 | 1.8 | 0.2 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 18.2 | 24.8 | 12.7 | 9.3 | 7.2 | 12.4 | 3.6 | 3.4 | 4.2 | 3.5 |
| Derivatives - Hedging - Business - Gain/(Loss) | 0.0 | 0.0 | (0.0) | 0.0 | — | — | 0.0 | — | — | — |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 2.3 | 0.9 | 0.3 | 1.9 | 0.6 | 0.3 | 0.0 | 0.2 | 0.1 | 0.1 |
| Trading Investments/Trading Account Income - Gain/(Loss) | (0.0) | — | 0.1 | 0.4 | 1.8 | 8.5 | 0.2 | — | — | (0.0) |
| Trading Investments - Unrealized Gain/(Loss) | (0.0) | — | 0.1 | 0.4 | 1.8 | 8.5 | 0.2 | — | — | (0.0) |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | 11.8 | — | — | — | — | — | — | — | — |
| Investment Gain/(Loss) - Other | (1.1) | 1.1 | — | — | — | — | — | — | — | — |
| Revenue from Business Activities - Total | 99.7 | 69.4 | 54.3 | 40.9 | 37.6 | 35.9 | 30.6 | 23.6 | 19.9 | 15.8 |
| Selling, General & Administrative Expenses - Total | 60.0 | 50.2 | 37.3 | 27.6 | 20.9 | 17.1 | 14.7 | 12.6 | 10.1 | 8.3 |
| Selling, General & Administrative Expenses - Unclassified | 21.2 | 15.7 | 13.7 | 9.1 | 6.4 | 4.9 | 4.5 | 3.7 | 2.8 | 2.2 |
| Depreciation in Selling, General & Administrative Expenses | 6.6 | 4.9 | 3.9 | 3.1 | 2.5 | 2.4 | 2.3 | 1.4 | 1.3 | 0.9 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.5 | 0.4 | 0.3 | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 |
| Other Operating Expense/(Income) - Net | (0.0) | (0.1) | 0.6 | (1.3) | (0.1) | 0.6 | (0.2) | 0.7 | 0.3 | (1.5) |
| Other Operating Income - Total | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.3 | 1.7 |
| Operating Expenses - Total | 65.0 | 46.1 | 36.5 | 21.4 | 19.0 | 23.8 | 16.2 | 11.1 | 24.5 | 7.6 |
| Provision & Impairment for Loan Losses | 5.0 | (4.1) | (1.5) | (5.0) | (1.8) | 6.1 | 1.6 | (2.1) | 14.1 | 0.9 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 31.0 | 28.6 | 18.6 | 14.7 | 11.1 | 9.2 | 7.6 | 6.3 | 5.1 | 4.4 |
| Selling, General & Administrative Expenses - Other - Total | 0.7 | 0.7 | 0.7 | 0.6 | 0.7 | 0.4 | 0.2 | 1.1 | 0.9 | 0.8 |
| Advertising Expense | 0.6 | 0.6 | 0.7 | 0.6 | 0.7 | 0.4 | 0.1 | 0.1 | 0.1 | 0.1 |
| Rental Expense | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 1.0 | 0.8 | 0.7 |
| Operating Profit before Non-Recurring Income/(Expense) | 34.7 | 23.3 | 17.8 | 19.5 | 18.7 | 12.2 | 14.4 | 12.5 | (4.6) | 8.2 |
| Other Operating Expense | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.3 | 0.1 | 0.1 | 0.0 | 0.0 |
| Operating Provisions - Increase/(Decrease) | — | — | 0.6 | (1.3) | (0.1) | 0.3 | (0.3) | 0.7 | 0.5 | 0.1 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.4 | 0.6 | 3.9 | 0.3 | 0.0 | 0.3 | 0.1 | 0.0 | 0.0 | — |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.0 | — | — | — | — | — | — | — | — | — |
| Normalized Pre-tax Profit | 35.2 | 23.9 | 21.7 | 19.8 | 18.7 | 12.5 | 14.4 | 12.5 | (4.6) | 8.2 |
| Non-Recurring Income/Expense - Total | 0.2 | 0.6 | (0.6) | (1.4) | (0.3) | (0.6) | (0.4) | (0.2) | (0.1) | (0.1) |
| Impairment - Financial Investments | — | — | 0.8 | 1.4 | 0.3 | 0.5 | 0.4 | 0.2 | 0.1 | 0.1 |
| Litigation Expenses/Settlements | — | (0.3) | — | — | — | — | — | — | — | — |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.2 | 0.2 | 0.2 | 0.0 | 0.0 | (0.0) | (0.0) | — | — | — |
| COVID-19 Non-Recurring Income/(Expense) - Total | 0.0 | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | — | — | — | — |
| COVID-19 Non-Recurring Income/(Expense) – Other | 0.0 | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | — | — | — | — |
| Income before Taxes | 35.4 | 24.4 | 21.1 | 18.4 | 18.4 | 11.9 | 14.1 | 12.3 | (4.7) | 8.1 |
| Income Taxes | 19.9 | 11.2 | 9.9 | 7.7 | 6.0 | 5.0 | 5.8 | 4.7 | (1.4) | 3.2 |
| Income Taxes for the Year - Current | 21.1 | 8.3 | 8.1 | 7.2 | 7.1 | 6.6 | 5.6 | 2.7 | 2.3 | 1.3 |
| Income Taxes - Domestic - Current | — | — | — | — | — | — | — | — | — | 1.0 |
| Income Taxes - Other (KFAS/NLST) - Current | — | — | — | — | — | — | — | — | — | 0.4 |
| Income Taxes - Deferred | (2.0) | 2.8 | 0.9 | 0.5 | (1.0) | (1.6) | (0.0) | 1.9 | (3.9) | 1.9 |
| Income Taxes - Other - Deferred | — | — | — | — | — | — | — | — | — | 1.9 |
| Income Taxes - Other (by Type) | 0.8 | 0.0 | 0.9 | (0.0) | (0.1) | 0.0 | 0.3 | 0.0 | 0.2 | — |
| Net Income after Tax | 15.5 | 13.3 | 11.3 | 10.7 | 12.4 | 6.9 | 8.3 | 7.6 | (3.3) | 4.9 |
| Income before Discontinued Operations & Extraordinary Items | 15.5 | 13.3 | 11.3 | 10.7 | 12.4 | 6.9 | 8.3 | 7.6 | (3.3) | 4.9 |
| Net Income before Minority Interest | 15.5 | 13.3 | 11.3 | 10.7 | 12.4 | 6.9 | 8.3 | 7.6 | (3.3) | 4.9 |
| Minority Interest | 0.1 | 0.2 | 0.2 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — |
| Net Income after Minority Interest | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| Income Available to Common Shares | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| Other Comprehensive Income - Starting Line | 15.5 | 13.3 | 11.3 | 10.7 | 12.4 | 6.9 | 8.3 | — | — | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | 4.0 | 0.6 | 4.9 | (1.4) | (9.4) | 0.7 | 2.2 | — | — | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | 0.0 | 2.4 | (0.3) | 0.6 | 2.1 | (0.0) | 0.5 | — | — | — |
| Other Comprehensive Income - Pension Related | (0.1) | 0.0 | (0.3) | 0.2 | (0.0) | (0.1) | (0.1) | — | — | — |
| Other Comprehensive Income - Net of Tax - Total | 3.9 | 3.1 | 4.3 | (0.6) | (7.2) | 0.6 | 2.7 | — | — | — |
| Comprehensive Income before Minority Interest - Total | 19.4 | 16.4 | 15.6 | 10.1 | 5.2 | 7.5 | 11.0 | — | — | — |
| Comprehensive Income - Attributable to Minority Interest - Total | 0.1 | 0.2 | 0.2 | 0.0 | 0.1 | 0.1 | 0.1 | — | — | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 19.3 | 16.2 | 15.4 | 10.0 | 5.1 | 7.4 | 10.8 | — | — | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 2.50 | 1.80 | 1.00 | 0.00 | 0.00 | 0.81 | 0.61 | 0.61 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| Income available to Common excluding Extraordinary Items | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| Shares used to calculate Basic EPS - Total mn | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 2,540.8 | 2,055.6 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 4.63 | 3.83 | 3.56 | 3.67 | 3.87 | 2.25 | 2.61 | 2.38 | (1.30) | 2.41 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| 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 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 2,540.8 | 2,055.6 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 4.63 | 3.83 | 3.56 | 3.67 | 3.87 | 2.25 | 2.61 | 2.38 | (1.30) | 2.41 |
| 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 | 5.89 | 4.95 | 4.72 | 3.06 | 1.55 | 2.27 | 3.31 | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| Diluted Income available to Common excluding Extraordinary Items | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| Shares used to calculate Diluted EPS - Total mn | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 2,540.8 | 2,055.6 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 4.63 | 3.83 | 3.56 | 3.67 | 3.87 | 2.25 | 2.61 | 2.38 | (1.30) | 2.41 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | (3.4) | 4.9 |
| 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 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 3,271.6 | 2,540.8 | 2,055.6 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 4.71 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | 2.49 | 2.30 | (1.33) | 2.37 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 4.63 | 3.83 | 3.56 | 3.67 | 3.87 | 2.25 | 2.61 | 2.38 | (1.30) | 2.41 |
| 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 | 5.89 | 4.95 | 4.72 | 3.06 | 1.55 | 2.27 | 3.31 | — | — | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 2.80 | 1.00 | 0.00 | 0.00 | 0.81 | 0.61 | 0.61 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 2.52 | 0.90 | 0.00 | 0.00 | 0.73 | 0.55 | 0.55 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | 34.7 | 23.3 | 17.8 | 19.5 | 18.7 | 12.2 | 14.4 | 12.5 | (4.6) | 8.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 41.8 | 28.6 | 22.1 | 22.7 | 21.4 | 14.7 | 16.8 | 13.9 | (3.4) | 9.0 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 41.9 | 28.7 | 22.1 | 22.7 | 21.4 | 14.8 | 16.9 | 14.9 | (2.6) | 9.6 |
| Depreciation & Amortization - Supplemental | 7.1 | 5.3 | 4.3 | 3.2 | 2.7 | 2.6 | 2.5 | 1.5 | 1.3 | 0.9 |
| Depreciation Expense - Total - Supplemental | 6.6 | 4.9 | 3.9 | 3.1 | 2.5 | 2.4 | 2.3 | 1.4 | 1.3 | 0.9 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 2.3 | 2.0 | 1.7 | 1.3 | 1.0 | 0.9 | 0.9 | — | — | — |
| Amortization - Total - Supplemental | 0.5 | 0.4 | 0.3 | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 |
| Intangible Amortization - Other - Supplemental | 0.5 | 0.4 | 0.3 | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 |
| Amortization of Computer Software - Supplemental | 0.5 | 0.4 | 0.3 | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 |
| Depreciation, Depletion & Amortization - Total | 7.1 | 5.3 | 4.3 | 3.2 | 2.7 | 2.6 | 2.4 | 1.5 | 1.2 | 0.8 |
| Depreciation - Total | 6.6 | 4.9 | 3.9 | 3.0 | 2.5 | 2.4 | 2.2 | 1.4 | 1.2 | 0.8 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.5 | 0.4 | 0.3 | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.0 | 0.0 |
| Labor & Related Expenses - Total | 31.0 | 28.6 | 18.6 | 14.7 | 11.1 | 9.2 | 7.6 | 6.3 | 5.1 | 4.4 |
| Labor & Related Expenses - Supplemental | 31.0 | 28.6 | 18.6 | 14.7 | 11.1 | 9.2 | 7.6 | 6.3 | 5.1 | 4.4 |
| 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 | 0.0 |
| Normalized after Tax Profit | 15.3 | 12.7 | 11.8 | 12.0 | 12.7 | 7.4 | 8.7 | 7.9 | (3.2) | 5.0 |
| Normalized Net Income from Continuing Operations | 15.3 | 12.7 | 11.8 | 12.0 | 12.7 | 7.4 | 8.7 | 7.9 | (3.2) | 5.0 |
| Normalized Net Income - Bottom Line | 15.2 | 12.5 | 11.6 | 12.0 | 12.7 | 7.4 | 8.5 | 7.8 | (3.3) | 5.0 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 35.2 | 23.9 | 21.7 | 19.8 | 18.7 | 12.5 | 14.4 | 12.5 | (4.6) | 8.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 42.2 | 29.2 | 25.9 | 22.9 | 21.4 | 15.0 | 16.9 | 14.0 | (3.4) | 9.0 |
| Loan Losses - Net | — | — | — | — | — | — | — | (2.1) | 14.1 | 0.9 |
| Loan Recoveries - Actual | — | — | — | — | — | — | — | 4.5 | 3.1 | 3.5 |
| Loan Losses - Actual | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2.4 | 17.2 | 4.5 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 2.4 | 2.2 | 1.9 | 1.5 | 1.0 | 0.9 | 0.8 | — | — | — |
| Rental/Operating Lease Expense | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 1.0 | 0.8 | 0.7 |
| Advertising Expenses - Supplemental | 0.6 | 0.6 | 0.7 | 0.6 | 0.7 | 0.4 | 0.1 | 0.1 | 0.1 | 0.1 |
| Interest Expense | 185.3 | 299.6 | 286.2 | 106.4 | 51.8 | 62.7 | 54.1 | 26.8 | 19.1 | 17.4 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 76.5 | 48.7 | 43.0 | 36.6 | 32.2 | 17.5 | 25.3 | 22.3 | 1.6 | 11.4 |
| Revenue after Loan Provisions - Net - Finance | 261.7 | 348.3 | 329.3 | 143.0 | 84.0 | 80.2 | 79.4 | 49.2 | 20.7 | 28.8 |
| Operating Expenses | 65.0 | 46.1 | 36.5 | 21.4 | 19.0 | 23.8 | 16.2 | 11.1 | 24.5 | 7.6 |
| Foreign Exchange Gain/(Loss) | 2.3 | 0.9 | 0.3 | 1.9 | 0.6 | 0.3 | 0.0 | 0.2 | 0.1 | 0.1 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 60.0 | 50.2 | 37.3 | 27.6 | 20.9 | 17.1 | 14.7 | 12.6 | 10.1 | 8.3 |
| Investment Gain/(Loss) | 3.3 | 13.3 | 5.8 | 1.1 | 2.2 | 8.6 | 0.3 | 0.1 | 1.4 | 2.6 |
| Non-Interest Expense - Bank | 59.3 | 49.0 | 34.6 | 27.5 | 21.1 | 17.9 | 14.9 | 13.5 | 10.5 | 6.8 |
| Income before Taxes & Provision for Loan Losses | 40.4 | 20.4 | 19.7 | 13.4 | 16.6 | 18.0 | 15.7 | 10.1 | 9.4 | 9.0 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 2.80 | 1.00 | 0.00 | 0.00 | 0.81 | 0.61 | 0.61 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 2.80 | 1.00 | 0.00 | 0.00 | 0.81 | 0.61 | 0.61 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | 15.4 | 13.1 | 11.1 | 10.6 | 12.3 | 6.8 | 8.2 | 7.5 | — | 4.9 |
| Operating Expenses excluding Non-Cash Charges - Total | 57.9 | 40.8 | 32.2 | 18.2 | 16.3 | 21.2 | 13.8 | 9.7 | 23.3 | 6.8 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 99.7 | 69.4 | 54.3 | 40.9 | 37.6 | 35.9 | 30.6 | 23.6 | 19.9 | 15.8 |
| Income from Earning Assets | 272.0 | 358.0 | 333.4 | 140.6 | 86.3 | 103.5 | 81.5 | 47.3 | 36.3 | 32.3 |
| Income Available to Common Shares before Depreciation & Amortization | 22.5 | 18.4 | 15.3 | 13.8 | 15.0 | 9.4 | 10.6 | 9.0 | (2.2) | 5.7 |
| Commissions and Fees | 13.0 | 11.0 | 7.2 | 7.0 | 4.9 | 3.6 | 3.4 | 3.1 | 2.7 | 0.9 |
| 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 | 2.80 | 1.00 | 0.00 | 0.00 | 0.81 | 0.61 | 0.61 | 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.