Inv. Banks / Inv. Cos. / Securities Cos.
FCIBL First Credit and Investment Bank Limited
Latest results: FY2026 · Jun 2026
Last close · 16 Oct 2026
Rs 65.02 +10.00%
Quarterly · Q1 FY2022 – Q4 FY2026
First Credit and Investment Bank Limited (FCIBL) quarterly income statement
First Credit and Investment Bank Limited reported revenue of Rs 86.5 mn for Q4 FY2026 (Apr – Jun 2026), down 23.7% on Q4 FY2025. Finance cost was Rs 50.3 mn, down 41.5% on Q4 FY2025. Tax of -Rs 1.8 mn took -21.4% of pre-tax profit. Profit attributable to shareholders was Rs 10.3 mn, up 26.1% on Q4 FY2025, or Rs 0.16 per share.
| Rs mn | TTM to Jun 2026 | Q4 FY2026 Apr – Jun 2026 | Q3 FY2026 Jan – Mar 2026 | Q2 FY2026 Oct – Dec 2025 | Q1 FY2026 Jul – Sep 2025 | Q4 FY2025 Apr – Jun 2025 | Q3 FY2025 Jan – Mar 2025 | Q2 FY2025 Oct – Dec 2024 | Q1 FY2025 Jul – Sep 2024 | Q4 FY2024 Apr – Jun 2024 | Q3 FY2024 Jan – Mar 2024 | Q2 FY2024 Oct – Dec 2023 | Q1 FY2024 Jul – Sep 2023 | Q4 FY2023 Apr – Jun 2023 | Q3 FY2023 Jan – Mar 2023 | Q2 FY2023 Oct – Dec 2022 | Q1 FY2023 Jul – Sep 2022 | Q4 FY2022 Apr – Jun 2022 | Q3 FY2022 Jan – Mar 2022 | Q2 FY2022 Oct – Dec 2021 | Q1 FY2022 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 257.2 | 86.5 | 43.6 | 35.7 | 91.3 | 113.5 | 140.3 | 155.2 | 193.2 | 133.4 | 123.6 | 103.2 | 88.7 | 76.2 | 68.7 | 70.0 | 64.4 | 49.4 | 27.0 | 27.2 | 30.5 |
| Operating expenses | (97.2) | (26.9) | (14.1) | (20.9) | (35.3) | (24.7) | (23.9) | (23.6) | (26.9) | (19.8) | (29.6) | (31.5) | (23.2) | (20.3) | (19.5) | (26.9) | (17.4) | (19.4) | (15.1) | (17.9) | (15.6) |
| Finance cost | (95.6) | (50.3) | (9.5) | (2.2) | (33.7) | (85.9) | (96.1) | (121.0) | (157.6) | (111.6) | (92.5) | (61.0) | (63.2) | (56.6) | (47.4) | (37.6) | (49.4) | (35.6) | (9.9) | (9.1) | (12.5) |
| Profit before tax | 77.6 | 8.5 | 23.9 | 18.3 | 26.9 | 10.5 | 24.7 | 12.2 | 14.9 | 2.2 | 14.6 | 17.0 | 7.8 | 1.8 | 9.3 | 13.1 | 5.6 | (3.4) | 4.8 | 7.1 | 4.8 |
| Taxation | (11.5) | 1.8 | (3.5) | (3.3) | (6.6) | (2.4) | (1.8) | 1.7 | (3.6) | 0.0 | (4.3) | (4.2) | (1.4) | (6.1) | (3.0) | (4.8) | (3.0) | 0.1 | (1.1) | (2.4) | (1.7) |
| Profit after tax | 66.0 | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 | (4.3) | 6.3 | 8.3 | 2.7 | (3.3) | 3.7 | 4.7 | 3.1 |
| Profit attributable to shareholders | 66.0 | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 | (4.3) | 6.3 | 8.3 | 2.7 | (3.3) | 3.7 | 4.7 | 3.1 |
| Per share | |||||||||||||||||||||
| EPS – basic (Rs) Rs | 1.01 | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 | (0.07) | 0.10 | 0.13 | 0.04 | (0.05) | 0.06 | 0.07 | 0.05 |
| 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 | 0.00 | 0.00 |
| Rs mn | Q4 FY2026 Apr – Jun 2026 | Q3 FY2026 Jan – Mar 2026 | Q2 FY2026 Oct – Dec 2025 | Q1 FY2026 Jul – Sep 2025 | Q4 FY2025 Apr – Jun 2025 | Q3 FY2025 Jan – Mar 2025 | Q2 FY2025 Oct – Dec 2024 | Q1 FY2025 Jul – Sep 2024 | Q4 FY2024 Apr – Jun 2024 | Q3 FY2024 Jan – Mar 2024 | Q2 FY2024 Oct – Dec 2023 | Q1 FY2024 Jul – Sep 2023 | Q4 FY2023 Apr – Jun 2023 | Q3 FY2023 Jan – Mar 2023 | Q2 FY2023 Oct – Dec 2022 | Q1 FY2023 Jul – Sep 2022 | Q4 FY2022 Apr – Jun 2022 | Q3 FY2022 Jan – Mar 2022 | Q2 FY2022 Oct – Dec 2021 | Q1 FY2022 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | -23.7% | -68.9% | -77.0% | -52.7% | -15.0% | +13.5% | +50.4% | +117.8% | +75.0% | +79.9% | +47.4% | +37.7% | +54.2% | +154.6% | +157.3% | +111.5% | +107.8% | -30.4% | -36.6% | -23.0% |
| Operating expenses | +9.2% | -41.1% | -11.3% | +31.0% | +24.7% | -19.2% | -25.3% | +15.9% | -2.6% | +52.0% | +17.2% | +33.9% | +4.7% | +29.3% | +49.9% | +11.5% | +15.1% | +7.3% | +1.1% | +4.9% |
| Finance cost | -41.5% | -90.2% | -98.2% | -78.6% | -23.0% | +3.9% | +98.3% | +149.6% | +97.2% | +94.9% | +62.1% | +27.9% | +59.0% | +380.1% | +312.4% | +295.9% | +177.7% | -45.3% | -44.6% | -26.9% |
| Profit before tax | -19.7% | -2.9% | +49.3% | +80.5% | +373.0% | +69.0% | -28.1% | +91.8% | +22.0% | +57.2% | +30.2% | +37.6% | — | +93.1% | +84.3% | +18.4% | — | -64.2% | -31.8% | -45.6% |
| Taxation | -175.9% | +97.8% | — | +82.9% | — | -59.0% | -140.7% | +152.3% | -100.0% | +42.8% | -12.1% | -51.7% | — | +165.2% | +100.8% | +78.1% | — | -70.6% | -32.7% | +10.1% |
| Profit after tax | +26.1% | -10.6% | +7.6% | +79.7% | +265.5% | +122.2% | +8.6% | +78.1% | — | +64.1% | +54.5% | +136.7% | — | +70.9% | +76.0% | -13.8% | — | -61.7% | -31.3% | -57.2% |
| Profit attributable to shareholders | +26.1% | -10.6% | +7.6% | +79.7% | +265.5% | +122.2% | +8.6% | +78.1% | — | +64.1% | +54.5% | +136.7% | — | +70.9% | +76.0% | -13.8% | — | -61.7% | -31.3% | -57.2% |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +24.9% | -11.4% | +7.6% | +79.7% | +257.5% | +118.8% | +8.6% | +78.1% | — | +65.6% | +54.5% | +136.6% | — | +70.9% | +76.0% | -13.7% | — | -61.7% | -31.3% | -57.2% |
| Dividend per share (Rs) | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
| Rs mn | Q4 FY2026 Apr – Jun 2026 | Q3 FY2026 Jan – Mar 2026 | Q2 FY2026 Oct – Dec 2025 | Q1 FY2026 Jul – Sep 2025 | Q4 FY2025 Apr – Jun 2025 | Q3 FY2025 Jan – Mar 2025 | Q2 FY2025 Oct – Dec 2024 | Q1 FY2025 Jul – Sep 2024 | Q4 FY2024 Apr – Jun 2024 | Q3 FY2024 Jan – Mar 2024 | Q2 FY2024 Oct – Dec 2023 | Q1 FY2024 Jul – Sep 2023 | Q4 FY2023 Apr – Jun 2023 | Q3 FY2023 Jan – Mar 2023 | Q2 FY2023 Oct – Dec 2022 | Q1 FY2023 Jul – Sep 2022 | Q4 FY2022 Apr – Jun 2022 | Q3 FY2022 Jan – Mar 2022 | Q2 FY2022 Oct – Dec 2021 | Q1 FY2022 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 | (31.1%) | (32.3%) | (58.4%) | (38.6%) | (21.7%) | (17.0%) | (15.2%) | (13.9%) | (14.8%) | (24.0%) | (30.6%) | (26.2%) | (26.6%) | (28.4%) | (38.4%) | (26.9%) | (39.2%) | (55.8%) | (66.0%) | (51.1%) |
| Finance cost | (58.1%) | (21.7%) | (6.1%) | (36.9%) | (75.7%) | (68.5%) | (77.9%) | (81.6%) | (83.7%) | (74.8%) | (59.1%) | (71.2%) | (74.3%) | (69.1%) | (53.8%) | (76.6%) | (72.0%) | (36.6%) | (33.5%) | (40.9%) |
| Profit before tax | 9.8% | 54.9% | 51.1% | 29.4% | 9.3% | 17.6% | 7.9% | 7.7% | 1.7% | 11.8% | 16.5% | 8.8% | 2.4% | 13.5% | 18.7% | 8.8% | (6.8%) | 17.8% | 26.1% | 15.7% |
| Taxation | 2.1% | (8.0%) | (9.1%) | (7.3%) | (2.1%) | (1.3%) | 1.1% | (1.9%) | 0.0% | (3.5%) | (4.1%) | (1.6%) | (8.0%) | (4.4%) | (6.8%) | (4.6%) | 0.1% | (4.2%) | (8.7%) | (5.5%) |
| Profit after tax | 11.9% | 47.0% | 42.0% | 22.2% | 7.2% | 16.3% | 9.0% | 5.8% | 1.7% | 8.3% | 12.4% | 7.1% | (5.6%) | 9.1% | 11.9% | 4.2% | (6.7%) | 13.6% | 17.4% | 10.2% |
| Profit attributable to shareholders | 11.9% | 47.0% | 42.0% | 22.2% | 7.2% | 16.3% | 9.0% | 5.8% | 1.7% | 8.3% | 12.4% | 7.1% | (5.6%) | 9.1% | 11.9% | 4.2% | (6.7%) | 13.6% | 17.4% | 10.2% |
Each line as a percentage of revenue.
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 92
| Rs mn | Q4 FY2026 Apr – Jun 2026 | Q3 FY2026 Jan – Mar 2026 | Q2 FY2026 Oct – Dec 2025 | Q1 FY2026 Jul – Sep 2025 | Q4 FY2025 Apr – Jun 2025 | Q3 FY2025 Jan – Mar 2025 | Q2 FY2025 Oct – Dec 2024 | Q1 FY2025 Jul – Sep 2024 | Q4 FY2024 Apr – Jun 2024 | Q3 FY2024 Jan – Mar 2024 | Q2 FY2024 Oct – Dec 2023 | Q1 FY2024 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income - Finance - Total | 70.9 | 40.4 | 27.1 | 87.7 | 117.0 | 130.6 | 148.3 | 187.9 | 131.9 | 117.7 | 98.9 | 85.8 |
| Interest Income - Loans/Deposits | 13.1 | 14.1 | 15.4 | 14.0 | 8.5 | 11.3 | 17.0 | 16.9 | 17.7 | 18.3 | 25.9 | 25.5 |
| Interest & Dividend Income - Investment Securities - Finance | 57.7 | 26.3 | 11.7 | 73.7 | 108.5 | 119.3 | 131.3 | 171.1 | 114.3 | 99.4 | 73.0 | 60.3 |
| Net Commission & Fees Income/Expense - Business Revenue | 5.2 | 3.6 | 6.5 | 5.8 | 5.0 | 4.1 | 4.4 | 4.4 | 3.6 | 2.5 | 2.1 | 2.2 |
| Fees & Commissions Income | 5.2 | 3.6 | 6.5 | 5.8 | 5.0 | 4.1 | 4.4 | 4.4 | 3.6 | 2.5 | 2.1 | 2.2 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 57.7 | 26.3 | 11.7 | 73.7 | 108.5 | 119.3 | 131.3 | 171.1 | 114.3 | 99.4 | 73.0 | 60.3 |
| Investments & Loans - Business - Gain/(Loss) | 10.4 | (0.5) | 2.2 | (2.2) | (8.6) | 5.2 | 2.5 | 0.9 | (2.1) | 3.4 | 2.1 | 0.5 |
| Capital Gains/(Losses) - Unrealized - Total | 10.4 | (0.5) | 2.2 | (2.2) | (8.6) | 5.2 | 2.5 | 0.9 | (2.1) | 3.4 | 2.1 | 0.5 |
| Revenue from Business-Related Activities - Other - Total | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 |
| Revenue from Business Activities - Total | 86.5 | 43.6 | 35.7 | 91.3 | 113.5 | 140.3 | 155.2 | 193.2 | 133.4 | 123.6 | 103.2 | 88.7 |
| Selling, General & Administrative Expenses - Total | 26.9 | 14.1 | 20.9 | 35.3 | 24.7 | 23.9 | 23.6 | 26.9 | 19.8 | 29.6 | 31.5 | 23.2 |
| Selling, General & Administrative Expenses - Unclassified | 27.1 | 21.9 | 21.0 | 35.0 | 25.5 | 23.4 | 23.3 | 26.5 | 21.2 | 20.9 | 31.5 | 23.3 |
| Other Operating Expense/(Income) - Net | — | — | — | — | (0.0) | — | — | — | — | — | — | — |
| Operating Expenses - Total | 26.9 | 14.1 | 20.9 | 35.3 | 24.7 | 23.9 | 23.6 | 26.9 | 19.8 | 29.6 | 31.5 | 23.2 |
| Operating Expenses - before Interest Expenses & Provision for Loan Losses - Total | 26.9 | 14.1 | 20.9 | 35.3 | 24.7 | 23.9 | 23.6 | 26.9 | 19.8 | 29.6 | 31.5 | 23.2 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 0.0 | 0.5 | 0.1 | 0.4 | 0.1 | 0.2 | (0.0) | 0.2 | 0.0 | 0.1 | 0.1 | 0.1 |
| Selling, General & Administrative Expenses - Other - Total | (0.1) | (8.3) | (0.1) | (0.1) | (1.0) | 0.3 | 0.3 | 0.3 | (1.5) | 8.6 | (0.1) | (0.1) |
| Operating Profit before Non-Recurring Income/(Expense) | 59.6 | 29.5 | 14.9 | 56.1 | 88.8 | 116.4 | 131.7 | 166.3 | 113.6 | 94.0 | 71.6 | 65.5 |
| Financing Income/(Expense) - Net - Total | (50.3) | (9.6) | (2.3) | (33.7) | (86.2) | (96.4) | (121.5) | (157.6) | (112.1) | (93.0) | (61.6) | (63.2) |
| Interest Expense - Net of (Interest Income) | 50.3 | 9.5 | 2.2 | 33.7 | 85.9 | 96.1 | 121.0 | 157.6 | 111.6 | 92.5 | 61.0 | 63.2 |
| Other Operating Expense | — | — | — | — | (0.0) | — | — | — | — | — | — | — |
| Interest Expense - Net of Capitalized Interest | 50.3 | 9.5 | 2.2 | 33.7 | 85.9 | 96.1 | 121.0 | 157.6 | 111.6 | 92.5 | 61.0 | 63.2 |
| Non-Interest Financial Income/(Expense) - Total | (0.1) | (0.1) | (0.2) | — | (0.3) | (0.3) | (0.5) | — | (0.5) | (0.5) | (0.6) | — |
| Non-Interest Financial Income/(Expense) - Other - Net | (0.1) | (0.1) | (0.2) | — | (0.3) | (0.3) | (0.5) | — | (0.5) | (0.5) | (0.6) | — |
| Other Non-Operating Income/(Expense) - Total | (1.1) | (3.2) | 0.1 | (0.3) | 0.6 | (1.6) | (4.3) | (0.0) | (0.2) | — | 1.0 | (1.1) |
| Normalized Pre-tax Profit | 8.2 | 16.7 | 12.6 | 22.1 | 3.2 | 18.3 | 5.9 | 8.6 | 1.3 | 1.0 | 11.1 | 1.2 |
| Non-Recurring Income/Expense - Total | 0.2 | 7.2 | 5.6 | 4.7 | 7.4 | 6.3 | 6.3 | 6.3 | 0.9 | 13.6 | 5.9 | 6.6 |
| Impairment - Financial Investments | (0.2) | (7.2) | (5.6) | (4.7) | (7.4) | (6.3) | (6.3) | (6.3) | (0.9) | (13.6) | (5.9) | (6.6) |
| Provision for Income Tax Expense- Unclassified | (1.8) | 3.5 | 3.3 | — | 2.4 | 1.8 | (1.7) | 3.6 | (0.0) | 4.3 | 4.2 | 1.4 |
| Income before Taxes | 8.5 | 23.9 | 18.3 | 26.9 | 10.5 | 24.7 | 12.2 | 14.9 | 2.2 | 14.6 | 17.0 | 7.8 |
| Income Taxes | (1.8) | 3.5 | 3.3 | 6.6 | 2.4 | 1.8 | (1.7) | 3.6 | (0.0) | 4.3 | 4.2 | 1.4 |
| Income Taxes for the Year - Current | — | — | — | 6.1 | — | — | — | — | — | — | — | — |
| Income Taxes - Deferred | — | — | — | 0.5 | — | — | — | — | — | — | — | — |
| Net Income after Tax | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Income before Discontinued Operations & Extraordinary Items | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Net Income before Minority Interest | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Net Income after Minority Interest | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Income Available to Common Shares | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| 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 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Income available to Common excluding Extraordinary Items | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Shares used to calculate Basic EPS - Total mn | 65.6 | 66.0 | 65.0 | 65.0 | 65.0 | 65.4 | 65.0 | 65.0 | 63.6 | 64.4 | 65.0 | 65.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.15 | 0.20 | 0.14 | 0.24 | 0.01 | 0.25 | 0.12 | 0.08 | 0.02 | (0.05) | 0.11 | (0.00) |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| 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 | 65.6 | 66.0 | 65.0 | 65.0 | 65.0 | 65.4 | 65.0 | 65.0 | 63.6 | 64.4 | 65.0 | 65.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.15 | 0.20 | 0.14 | 0.24 | 0.01 | 0.25 | 0.12 | 0.08 | 0.02 | (0.05) | 0.11 | (0.00) |
| 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 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Diluted Income available to Common excluding Extraordinary Items | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| Shares used to calculate Diluted EPS - Total mn | 65.6 | 66.0 | 65.0 | 65.0 | 65.0 | 65.4 | 65.0 | 65.0 | 63.6 | 64.4 | 65.0 | 65.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.15 | 0.20 | 0.14 | 0.24 | 0.01 | 0.25 | 0.12 | 0.08 | 0.02 | (0.05) | 0.11 | (0.00) |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 10.3 | 20.5 | 15.0 | 20.3 | 8.2 | 22.9 | 13.9 | 11.3 | 2.2 | 10.3 | 12.8 | 6.3 |
| 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 | 65.6 | 66.0 | 65.0 | 65.0 | 65.0 | 65.4 | 65.0 | 65.0 | 63.6 | 64.4 | 65.0 | 65.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.16 | 0.31 | 0.23 | 0.31 | 0.13 | 0.35 | 0.21 | 0.17 | 0.04 | 0.16 | 0.20 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.15 | 0.20 | 0.14 | 0.24 | 0.01 | 0.25 | 0.12 | 0.08 | 0.02 | (0.05) | 0.11 | (0.00) |
| 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 |
| 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 | 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 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | 59.6 | 29.5 | 14.9 | 56.1 | 88.8 | 116.4 | 131.7 | 166.3 | 113.6 | 94.0 | 71.6 | 65.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 71.3 | 32.5 | 18.0 | 58.5 | 95.7 | 119.0 | 134.4 | 168.7 | 120.3 | 95.2 | 74.4 | 67.4 |
| Depreciation, Depletion & Amortization - Total | 11.7 | 3.0 | 3.2 | 2.4 | 6.9 | 2.6 | 2.8 | 2.4 | 6.6 | 1.3 | 2.8 | 1.9 |
| Depreciation - Total | 11.7 | 1.6 | 0.4 | 2.4 | 6.9 | 1.2 | — | 2.4 | 6.6 | 1.2 | — | 1.9 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — | — | — | — | — | 0.1 | — | — |
| Amortization of Intangible Assets excluding Goodwill - Total | — | 1.4 | 2.8 | — | — | 1.4 | 2.8 | — | — | 1.4 | 2.8 | — |
| Normalized after Tax Profit | 10.0 | 13.3 | 9.4 | 15.5 | 0.8 | 16.6 | 7.6 | 5.0 | 1.3 | (3.3) | 6.9 | (0.2) |
| Normalized Net Income from Continuing Operations | 10.0 | 13.3 | 9.4 | 15.5 | 0.8 | 16.6 | 7.6 | 5.0 | 1.3 | (3.3) | 6.9 | (0.2) |
| Normalized Net Income - Bottom Line | 10.0 | 13.3 | 9.4 | 15.5 | 0.8 | 16.6 | 7.6 | 5.0 | 1.3 | (3.3) | 6.9 | (0.2) |
| Earnings before Interest & Taxes (EBIT) - Normalized | 58.5 | 26.2 | 14.8 | 55.8 | 89.1 | 114.4 | 126.8 | 166.2 | 112.9 | 93.5 | 72.1 | 64.3 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 70.2 | 29.2 | 18.0 | 58.3 | 96.0 | 117.0 | 129.6 | 168.7 | 119.5 | 94.7 | 74.8 | 66.3 |
| Interest Expense | 50.3 | 9.5 | 2.2 | 33.7 | 85.9 | 96.1 | 121.0 | 157.6 | 111.6 | 92.5 | 61.0 | 63.2 |
| Operating Expenses | 26.9 | 14.1 | 20.9 | 35.3 | 24.7 | 23.9 | 23.6 | 26.9 | 19.8 | 29.6 | 31.5 | 23.2 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 26.9 | 14.1 | 20.9 | 35.3 | 24.7 | 23.9 | 23.6 | 26.9 | 19.8 | 29.6 | 31.5 | 23.2 |
| Income before Taxes & Provision for Loan Losses | 8.5 | 23.9 | 18.3 | 26.9 | 10.5 | 24.7 | 12.2 | 14.9 | 2.2 | 14.6 | 17.0 | 7.8 |
| 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 | 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 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | 71.3 | 28.6 | 16.8 | 45.6 | 74.6 | 112.2 | 151.8 | 130.6 | 113.9 | 75.6 | 58.8 | 57.8 |
| Operating Expenses excluding Non-Cash Charges - Total | 15.2 | 11.1 | 17.7 | 32.8 | 17.7 | 21.3 | 20.8 | 24.5 | 13.1 | 28.4 | 28.8 | 21.3 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 86.5 | 43.6 | 35.7 | 91.3 | 113.5 | 140.3 | 155.2 | 193.2 | 133.4 | 123.6 | 103.2 | 88.7 |
| Income from Earning Assets | 70.9 | 40.4 | 27.1 | 87.7 | 117.0 | 130.6 | 148.3 | 187.9 | 131.9 | 117.7 | 98.9 | 85.8 |
| Income Available to Common Shares before Depreciation & Amortization | 22.0 | 23.5 | 18.2 | 22.7 | 15.1 | 25.5 | 16.7 | 13.7 | 8.9 | 11.6 | 15.6 | 8.3 |
| Fixed Charges | 50.3 | 9.5 | 2.2 | 33.7 | 85.9 | 96.1 | 121.0 | 157.6 | 111.6 | 92.5 | 61.0 | 63.2 |
| 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 | 0.00 | 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 12 periods; the table above goes back further.