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Commercial Banks

HBL Habib Bank Limited

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

Last close · 16 Oct 2026

Rs 290.42 +0.34%

Annual · FY2006 – FY2025

Habib Bank Limited (HBL) income statement

Habib Bank Limited reported total income of Rs 353.3 bn for FY2025 (Jan – Dec 2025), up 5.6% on FY2024. Net interest income was Rs 279.0 bn, up 12.2% on FY2024, with non-interest income of Rs 74.3 bn. Tax of Rs 81.3 bn took 54.9% of pre-tax profit. Profit attributable to shareholders was Rs 66.7 bn, up 14.1% on FY2024, or Rs 45.48 per share.

HBL income statement (annual) (Rs bn)
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 684.8 816.3 714.6 437.6 263.2 271.7 258.7 166.3 149.2 142.4 145.8 138.3 121.4 117.3 99.0 81.7 76.7 63.6 53.0 44.9
Interest expense (405.8) (567.6) (470.2) (270.5) (130.8) (141.1) (156.8) (83.6) (66.2) (59.1) (66.1) (68.8) (65.2) (59.0) (42.2) (34.3) (33.4) (26.5) (19.2) (13.2)
Net interest income 279.0 248.7 244.4 167.1 132.3 130.6 101.9 82.7 83.1 83.2 79.7 69.5 56.2 58.3 56.8 47.3 43.3 37.1 33.8 31.7
Fee & commission income (net) 45.9 48.9 41.4 30.7 24.7 18.1 19.9 17.8 19.4 18.6 16.8 13.8 10.6 7.3 6.1 5.4 5.3 4.5 3.4 3.9
Foreign exchange income 8.9 7.9 4.6 11.9 5.4 (0.3) 1.7 (2.4) 2.8 1.4 2.7 2.8 1.6 2.6 3.8 3.2 1.9 2.4 1.5 1.1
Gain / (loss) on securities 16.8 23.5 0.9 0.9 1.0 7.1 (2.7) 1.0 7.8 5.3 11.1 1.5 2.3 1.4 0.5 0.3 — — — —
Total non-interest income 74.3 86.0 45.4 40.9 30.9 25.9 18.8 15.6 30.1 25.5 30.8 18.2 14.5 11.3 10.3 8.9 7.2 6.9 4.9 5.0
Total income 353.3 334.7 289.8 207.9 163.3 156.5 120.7 98.2 113.1 108.8 110.5 87.7 70.7 69.5 67.2 56.3 50.5 44.0 38.7 36.7
Operating expenses (212.7) (220.6) (184.6) (130.1) (104.8) (106.3) (89.3) (76.1) (61.4) (53.6) (53.0) (42.1) (36.0) (35.4) (33.7) (30.0) (28.8) (26.2) (23.6) (17.9)
Provisions & impairment (loans) 13.7 26.6 12.3 5.0 6.8 11.5 2.8 1.6 0.3 0.7 5.1 1.7 1.6 7.5 6.6 7.8 9.0 7.1 8.0 3.0
Profit before tax 148.1 120.3 113.6 77.0 62.0 53.0 28.9 21.6 29.5 56.5 60.3 48.3 36.1 35.6 34.3 27.0 21.4 16.9 15.1 18.8
Taxation (81.3) (62.5) (55.8) (42.6) (26.5) (22.1) (13.4) (9.1) (20.6) (22.3) (25.2) (16.8) (13.1) (12.8) (12.0) 0.4 (1.0) (6.1) (5.1) (6.1)
Profit after tax 66.8 57.8 57.8 34.4 35.5 30.9 15.5 12.4 8.8 34.2 35.1 31.5 23.0 22.8 22.3 27.4 20.4 10.9 10.1 12.7
Profit attributable to shareholders 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1 35.1 31.6 22.9 22.7 22.2 27.2 20.4 10.8 10.0 12.6
Per share
EPS – basic (Rs) Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23 23.93 21.56 15.59 15.47 15.13 18.55 14.92 7.35 6.82 9.47
EPS – diluted (Rs) Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23 23.93 21.56 15.59 15.47 15.13 11.46 9.80 7.35 6.82 9.47
Dividend per share (Rs) Rs 20.00 16.25 9.75 6.75 7.50 4.25 5.00 4.25 8.00 14.00 14.00 12.00 7.27 6.20 5.56 4.44 3.73 2.85 1.88 0.52
Weighted average shares mn 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,467.1 1,466.5 1,466.9 1,466.9 1,466.9 1,466.8 1,366.8 1,466.9 1,466.8 1,333.5
HBL income statement — year-on-year change (Rs mn)
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 -16.1% +14.2% +63.3% +66.3% -3.1% +5.0% +55.6% +11.4% +4.8% -2.3% +5.4% +14.0% +3.5% +18.4% +21.2% +6.5% +20.5% +20.2% +17.9% —
Interest expense -28.5% +20.7% +73.8% +106.8% -7.3% -10.0% +87.5% +26.3% +11.9% -10.5% -4.0% +5.6% +10.5% +39.9% +22.9% +2.8% +25.9% +38.5% +45.1% —
Net interest income +12.2% +1.7% +46.3% +26.3% +1.3% +28.1% +23.3% -0.5% -0.2% +4.4% +14.7% +23.7% -3.6% +2.5% +20.1% +9.4% +16.6% +9.8% +6.6% —
Fee & commission income (net) -6.2% +18.2% +34.9% +24.1% +36.4% -9.2% +11.8% -8.0% +4.1% +10.6% +21.6% +30.3% +44.9% +20.4% +12.0% +2.2% +17.7% +32.1% -13.0% —
Foreign exchange income +12.9% +71.5% -61.5% +122.0% — -118.4% — -187.1% +96.8% -49.1% -3.4% +80.9% -38.7% -31.6% +17.8% +66.7% -19.4% +59.6% +34.9% —
Gain / (loss) on securities -28.4% +2,379.4% +9.2% -15.4% -85.5% — -358.0% -86.7% +45.7% -51.8% +656.3% -36.4% +66.0% +174.3% +56.3% — — — — —
Total non-interest income -13.6% +89.6% +11.1% +32.1% +19.3% +38.3% +20.5% -48.3% +17.9% -17.0% +69.1% +25.1% +28.9% +9.1% +15.7% +23.7% +4.9% +40.5% -2.5% —
Total income +5.6% +15.5% +39.4% +27.4% +4.3% +29.7% +22.8% -13.2% +4.0% -1.6% +26.0% +24.0% +1.7% +3.5% +19.4% +11.5% +14.7% +13.7% +5.4% —
Operating expenses -3.6% +19.5% +41.9% +24.1% -1.3% +19.0% +17.4% +24.0% +14.4% +1.2% +25.8% +17.2% +1.5% +5.1% +12.3% +4.4% +9.8% +10.8% +32.0% —
Provisions & impairment (loans) -48.6% +116.1% +144.4% -25.9% -40.6% +314.4% +70.9% +502.2% -59.7% -87.0% +193.7% +11.7% -79.3% +14.2% -15.4% -13.6% +26.7% -10.8% +166.7% —
Profit before tax +23.1% +6.0% +47.4% +24.2% +17.0% +83.6% +33.8% -26.8% -47.8% -6.2% +24.9% +33.5% +1.6% +3.6% +26.9% +26.5% +26.3% +11.8% -19.6% —
Taxation +30.1% +12.1% +30.9% +60.7% +19.9% +65.3% +46.3% -55.7% -7.5% -11.4% +50.2% +27.9% +2.6% +6.5% — -139.8% -83.8% +19.9% -17.6% —
Profit after tax +15.5% +0.1% +67.9% -3.1% +14.9% +99.4% +24.6% +40.6% -74.1% -2.6% +11.5% +36.7% +1.0% +2.1% -18.6% +34.5% +87.8% +7.7% -20.6% —
Profit attributable to shareholders +14.1% +1.4% +69.3% -2.7% +13.4% +101.5% +27.2% +41.9% -75.1% -3.0% +11.0% +38.3% +0.8% +2.3% -18.5% +33.5% +89.2% +7.7% -20.8% —
Per share
EPS – basic (Rs) +14.1% +1.4% +69.3% -2.7% +13.4% +101.5% +27.2% +41.9% -75.1% -2.9% +11.0% +38.3% +0.8% +2.3% -18.5% +24.4% +103.1% +7.7% -28.0% —
EPS – diluted (Rs) +14.1% +1.4% +69.3% -2.7% +13.4% +101.5% +27.2% +41.9% -75.1% -2.9% +11.0% +38.3% +0.8% +2.3% +32.0% +17.0% +33.4% +7.7% -28.0% —
Dividend per share (Rs) +23.1% +66.7% +44.4% -10.0% +76.5% -15.0% +17.6% -46.9% -42.9% 0.0% +16.7% +65.0% +17.3% +11.5% +25.2% +19.2% +30.9% +51.3% +263.6% —
Weighted average shares — — — — — — — — — — — — — — — — — — — —

Change against the previous fiscal year; shown when the earlier figure is positive.

HBL income statement — common size (Rs mn)
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 193.8% 243.9% 246.6% 210.5% 161.2% 173.6% 214.4% 169.3% 131.9% 130.9% 131.9% 157.8% 171.7% 168.6% 147.4% 145.1% 151.8% 144.6% 136.8% 122.2%
Interest expense (114.8%) (169.6%) (162.2%) (130.1%) (80.1%) (90.2%) (129.9%) (85.1%) (58.5%) (54.4%) (59.8%) (78.5%) (92.2%) (84.9%) (62.8%) (61.0%) (66.2%) (60.3%) (49.5%) (35.9%)
Net interest income 79.0% 74.3% 84.3% 80.4% 81.1% 83.4% 84.5% 84.1% 73.4% 76.5% 72.2% 79.3% 79.4% 83.8% 84.6% 84.1% 85.7% 84.3% 87.3% 86.3%
Fee & commission income (net) 13.0% 14.6% 14.3% 14.7% 15.1% 11.6% 16.5% 18.2% 17.1% 17.1% 15.2% 15.8% 15.0% 10.5% 9.1% 9.7% 10.5% 10.3% 8.8% 10.7%
Foreign exchange income 2.5% 2.4% 1.6% 5.7% 3.3% (0.2%) 1.4% (2.4%) 2.4% 1.3% 2.5% 3.2% 2.2% 3.7% 5.6% 5.7% 3.8% 5.4% 3.8% 3.0%
Gain / (loss) on securities 4.8% 7.0% 0.3% 0.4% 0.6% 4.5% (2.2%) 1.0% 6.9% 4.9% 10.0% 1.7% 3.3% 2.0% 0.8% 0.6% — — — —
Total non-interest income 21.0% 25.7% 15.7% 19.6% 18.9% 16.6% 15.5% 15.9% 26.6% 23.5% 27.8% 20.7% 20.6% 16.2% 15.4% 15.9% 14.3% 15.7% 12.7% 13.7%
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 (60.2%) (65.9%) (63.7%) (62.6%) (64.2%) (67.9%) (74.0%) (77.5%) (54.3%) (49.3%) (48.0%) (48.1%) (50.9%) (50.9%) (50.2%) (53.3%) (57.0%) (59.5%) (61.1%) (48.8%)
Provisions & impairment (loans) 3.9% 7.9% 4.2% 2.4% 4.2% 7.3% 2.3% 1.6% 0.2% 0.6% 4.6% 2.0% 2.2% 10.8% 9.8% 13.8% 17.8% 16.1% 20.6% 8.1%
Profit before tax 41.9% 35.9% 39.2% 37.0% 38.0% 33.9% 23.9% 22.0% 26.1% 52.0% 54.6% 55.0% 51.1% 51.1% 51.1% 48.0% 42.3% 38.5% 39.1% 51.3%
Taxation (23.0%) (18.7%) (19.3%) (20.5%) (16.2%) (14.1%) (11.1%) (9.3%) (18.2%) (20.5%) (22.8%) (19.1%) (18.5%) (18.4%) (17.8%) 0.7% (1.9%) (13.8%) (13.1%) (16.7%)
Profit after tax 18.9% 17.3% 19.9% 16.5% 21.7% 19.7% 12.8% 12.7% 7.8% 31.5% 31.8% 35.9% 32.6% 32.8% 33.2% 48.7% 40.4% 24.7% 26.1% 34.6%
Profit attributable to shareholders 18.9% 17.5% 19.9% 16.4% 21.5% 19.7% 12.7% 12.3% 7.5% 31.3% 31.8% 36.1% 32.3% 32.6% 33.0% 48.3% 40.4% 24.5% 25.8% 34.4%

Each line as a percentage of total income.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 15 Oct 2026.

All reported line items 155
HBL income statement — all reported line items (Rs bn)
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 279.0 248.7 244.4 167.1 132.3 130.6 101.9 82.7 83.1 83.2
Interest & Dividend Income - Finance - Total 684.8 816.3 714.6 437.6 263.2 271.7 258.7 166.3 149.2 142.4
Interest Income - Loans/Deposits 266.1 340.7 341.6 210.1 119.0 122.5 148.0 83.2 61.0 51.5
Interest & Fees on Loans & Receivables 247.7 312.3 300.1 192.9 111.7 116.8 132.4 77.8 59.0 49.1
Interest Income - Deposits to Other Financial Institutions 18.3 28.3 41.4 17.2 7.3 5.7 15.6 5.3 2.0 2.4
Interest & Dividend Income - Other - Finance 3.5 3.1 2.3 1.5 0.9 0.5 0.6 1.0 1.2 1.3
Interest & Dividend Income - Investment Securities - Finance 415.2 472.5 370.8 226.0 143.2 148.7 110.1 82.1 87.0 89.6
Net Commission & Fees Income/Expense - Business Revenue 45.9 48.9 41.4 30.7 24.7 18.1 19.9 17.8 19.4 18.6
Fees & Commissions Income 46.9 49.5 42.3 31.5 25.5 18.9 20.5 18.1 19.6 18.8
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 415.2 472.5 370.8 226.0 143.2 148.7 110.1 82.1 87.0 89.6
Fees & Commissions Expense 1.0 0.6 0.9 0.9 0.7 0.8 0.6 0.3 0.2 0.1
Investments & Loans - Business - Gain/(Loss) 19.5 29.2 (0.6) (1.8) 0.8 8.1 (2.8) 0.1 7.9 5.5
Interest Expense - Finance - Total 405.8 567.6 470.2 270.5 130.8 141.1 156.8 83.6 66.2 59.1
Interest Expense - Operational Financing - Business 372.3 529.6 433.4 254.0 120.7 129.5 143.7 76.0 61.7 55.6
Interest Expense - Deposits 278.9 471.2 360.4 203.2 103.9 114.1 120.4 63.1 47.0 40.7
Investment Securities - Business - Gain/(Loss) 16.8 23.5 0.9 0.9 1.0 7.1 (2.7) 1.0 7.8 5.3
Interest Expense - Collateralized Financing 93.4 58.4 73.0 50.8 16.8 15.4 23.3 13.0 14.6 14.9
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 16.8 23.5 0.7 1.0 1.0 7.0 (2.6) 1.0 7.8 —
Interest Expense - External Financing Business 33.5 37.9 36.8 16.6 10.2 11.7 13.1 7.6 4.5 3.5
Non-Interest Business Revenue/(Expense) - Net - Total 74.3 86.0 45.4 40.9 30.9 25.9 18.8 15.6 30.1 25.5
Derivatives - Hedging - Business - Gain/(Loss) 2.7 5.8 (1.5) (2.6) (0.2) 1.1 (0.2) (0.9) 0.2 0.2
Net Foreign Exchange Income/(Expense) - Business Revenue 8.9 7.9 4.6 11.9 5.4 (0.3) 1.7 (2.4) 2.8 1.4
Trading Investments/Trading Account Income - Gain/(Loss) — — 0.3 (0.1) 0.1 0.0 (0.1) 0.0 (0.1) (0.0)
Trading Investments - Unrealized Gain/(Loss) — — 0.3 (0.1) 0.1 0.0 (0.1) 0.0 (0.1) (0.0)
Investment Securities - Business Unclassified - Gain/(Loss) — — — — — — — — — 5.3
Revenue from Business Activities - Total 353.3 334.7 289.8 207.9 163.3 156.5 120.7 98.2 113.1 108.8
Selling, General & Administrative Expenses - Total 202.9 194.6 171.9 125.9 96.7 94.2 87.0 74.7 62.2 53.3
Selling, General & Administrative Expenses - Unclassified 94.8 97.2 86.7 56.1 38.7 37.6 72.4 36.9 20.9 15.9
Depreciation in Selling, General & Administrative Expenses 17.0 15.5 14.1 11.8 10.4 9.8 8.7 3.2 3.3 3.1
Amortization of Intangibles in Selling, General & Administrative Expenses 2.8 2.7 2.2 1.9 1.1 0.8 0.5 0.3 0.7 0.5
Other Operating Expense/(Income) - Net (3.8) (0.6) 0.5 (0.8) 1.3 0.6 (0.5) (0.2) (1.1) (0.3)
Other Operating Income - Total 1.2 0.6 0.7 0.4 1.0 0.4 0.5 0.3 0.5 0.3
Operating Expenses - Total 212.7 220.6 184.6 130.1 104.8 106.3 89.3 76.1 61.4 53.6
Provision & Impairment for Loan Losses 13.7 26.6 12.3 5.0 6.8 11.5 2.8 1.6 0.3 0.7
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 77.7 72.0 63.5 51.2 41.6 41.1 0.6 26.3 30.1 25.2
Selling, General & Administrative Expenses - Other - Total 10.6 7.2 5.3 5.0 5.0 4.9 4.8 7.9 7.1 8.7
Advertising Expense 8.8 5.4 3.6 3.1 3.2 3.1 3.8 2.9 3.1 2.5
Rental Expense 1.5 1.4 1.4 1.4 1.2 1.3 0.5 4.5 3.9 6.1
Operating Profit before Non-Recurring Income/(Expense) 140.6 114.2 105.2 77.8 58.4 50.3 31.4 22.1 51.8 55.1
Operating Provisions - Increase/(Decrease) (2.6) — 1.1 (0.4) 2.3 1.0 (0.0) 0.1 (0.5) (0.0)
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.2 0.2 0.0 0.0 0.1 0.1 0.3 0.1 0.0 0.1
Equity Earnings/(Loss) - before Taxes including Non-Recurring 6.5 4.8 4.4 3.0 2.6 3.0 3.5 2.7 2.1 3.8
Other Non-Operating Income/(Expense) - Total — — — — — — — 0.0 (23.7) —
Normalized Pre-tax Profit 147.4 119.1 109.6 80.9 61.1 53.3 35.1 24.9 30.1 58.9
Non-Recurring Income/Expense - Total 0.7 1.3 3.9 (3.9) 0.9 (0.3) (6.2) (3.3) (0.6) (2.4)
Impairment - Tangible & Intangible Fixed Assets — — — 0.0 0.1 — — — — —
Impairment - Fixed Assets — — — 0.0 0.1 — — — — —
Impairment - Financial Investments (1.9) — (0.2) 3.9 (1.3) (0.3) 0.6 3.3 0.6 0.2
Litigation Expenses/Settlements — — — — — — 5.7 — — 2.2
Fair Value Adjustments - Financial Investments (1.2) 1.3 — — — — — — — —
Sale & Acquisition of Group Companies - Gain/(Loss) — — 3.7 — — — — — — —
COVID-19 Non-Recurring Income/(Expense) - Total — — — — (0.2) (0.6) — — — —
COVID-19 Non-Recurring Income/(Expense) – Other — — — — (0.2) (0.6) — — — —
Income before Taxes 148.1 120.3 113.6 77.0 62.0 53.0 28.9 21.6 29.5 56.5
Income Taxes 81.3 62.5 55.8 42.6 26.5 22.1 13.4 9.1 20.6 22.3
Income Taxes for the Year - Current 79.7 69.7 57.8 41.7 25.0 21.8 11.8 8.6 18.5 19.3
Income Taxes - Deferred 1.7 (7.2) (2.0) 0.9 1.0 0.5 (0.4) 0.5 0.2 0.8
Income Taxes - Other (by Type) — — — — 0.4 (0.3) 1.9 0.0 1.9 2.2
Net Income after Tax 66.8 57.8 57.8 34.4 35.5 30.9 15.5 12.4 8.8 34.2
Income before Discontinued Operations & Extraordinary Items 66.8 57.8 57.8 34.4 35.5 30.9 15.5 12.4 8.8 34.2
Net Income before Minority Interest 66.8 57.8 57.8 34.4 35.5 30.9 15.5 12.4 8.8 34.2
Minority Interest 0.0 (0.7) 0.1 0.3 0.5 0.0 0.2 0.4 0.4 0.1
Net Income after Minority Interest 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Income Available to Common Shares 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Other Comprehensive Income - Starting Line 66.8 57.8 57.8 34.4 35.5 30.9 15.5 12.4 8.8 34.2
Other Comprehensive Income - Foreign Currency 4.5 (2.0) 10.0 2.1 5.4 2.4 6.3 11.0 3.9 (2.6)
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 25.3 34.1 9.1 (23.3) (10.8) 5.0 11.2 (7.2) (11.6) 0.6
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 0.1 (0.2) 16.0 (0.1) — — 0.0 (0.0) 9.5 (0.3)
Other Comprehensive Income - Other — 0.0 0.0 (0.0) 0.1 6.2 (0.1) 0.1 (0.4) 1.2
Other Comprehensive Income - Associated Companies 3.6 (1.0) 0.2 (0.2) 0.1 0.1 (0.2) 0.1 (0.8) (0.0)
Other Comprehensive Income - Pension Related 0.8 (0.1) 0.4 0.1 0.2 (0.2) 0.1 (0.2) (1.0) (0.6)
Other Comprehensive Income - Net of Tax - Total 34.4 30.8 35.8 (21.5) (5.0) 13.5 17.3 3.9 (0.5) (1.7)
Comprehensive Income before Minority Interest - Total 101.1 88.6 93.6 12.9 30.5 44.5 32.8 16.3 8.4 32.5
Comprehensive Income - Attributable to Minority Interest - Total 0.1 (0.6) 0.2 0.3 0.5 0.2 0.4 0.5 0.5 (0.0)
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 101.1 89.2 93.4 12.6 30.0 44.3 32.4 15.8 7.9 32.6
DPS - Common - Gross - Issue - By Period End Date Rs 20.00 16.25 9.75 6.75 7.50 4.25 5.00 4.25 8.00 14.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Income available to Common excluding Extraordinary Items 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Shares used to calculate Basic EPS - Total mn 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 45.00 38.99 36.65 25.85 23.25 21.26 14.70 10.48 6.23 24.87
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 45.00 38.99 36.65 25.85 23.25 21.26 14.70 10.48 6.23 24.87
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 68.89 60.81 63.69 8.61 20.48 30.20 22.11 10.78 5.37 22.21
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Diluted Income available to Common excluding Extraordinary Items 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Shares used to calculate Diluted EPS - Total mn 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 45.00 38.99 36.65 25.85 23.25 21.26 14.70 10.48 6.23 24.87
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9 1,466.9
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 45.48 39.85 39.32 23.23 23.88 21.06 10.45 8.22 5.79 23.23
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 45.00 38.99 36.65 25.85 23.25 21.26 14.70 10.48 6.23 24.87
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 68.89 60.81 63.69 8.61 20.48 30.20 22.11 10.78 5.37 22.21
DPS - Common - Gross - Issue - By Announcement Date Rs 18.25 16.00 7.25 7.50 8.25 2.50 5.00 4.00 10.50 14.00
DPS - Common - Net - Issue - By Announcement Date Rs 16.43 14.40 6.53 6.75 7.43 2.25 4.50 3.60 9.45 12.60
Earnings before Interest & Taxes (EBIT) 140.6 114.2 105.2 77.8 58.4 50.3 31.4 22.1 51.8 55.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 160.4 132.4 121.5 91.4 69.8 60.8 40.6 25.7 55.8 58.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 161.9 133.8 122.9 92.8 71.0 62.2 41.2 30.2 59.7 64.7
Depreciation & Amortization - Supplemental 19.8 18.2 16.4 13.6 11.4 10.6 9.3 3.5 4.0 3.5
Depreciation Expense - Total - Supplemental 17.0 15.5 14.1 11.8 10.4 9.8 8.7 3.2 3.3 3.1
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 4.8 4.5 4.4 4.0 3.4 3.8 3.4 — — —
Amortization - Total - Supplemental 2.8 2.7 2.2 1.9 1.1 0.8 0.5 0.3 0.7 0.5
Intangible Amortization - Other - Supplemental — — 2.2 1.9 1.1 0.8 0.5 0.3 0.7 —
Amortization of Computer Software - Supplemental — — 2.2 1.9 1.1 0.8 0.5 0.3 0.7 —
Depreciation, Depletion & Amortization - Total 19.8 18.2 16.4 13.6 11.4 10.6 9.3 3.5 4.0 3.5
Depreciation - Total 17.0 15.5 14.1 11.8 10.4 9.8 8.7 3.2 3.3 3.1
Amortization of Intangible Assets excluding Goodwill - Total 2.8 2.7 2.2 1.9 1.1 0.8 0.5 0.3 0.7 0.5
Labor & Related Expenses - Total 77.7 72.0 63.5 51.2 41.6 41.1 — 26.3 30.1 25.2
Labor & Related Expenses - Supplemental 77.7 72.0 63.5 51.2 41.6 41.1 — 26.3 30.1 25.2
Auditor Fees 0.6 0.6 0.6 0.3 0.3 0.3 0.3 0.3 0.3 0.2
Audit-Related Fees 0.6 0.6 0.6 0.3 0.3 0.2 0.2 0.2 0.2 0.1
Tax Fees — — — — — 0.0 0.0 0.0 0.0 0.0
Fees - Other 0.0 0.0 0.0 0.0 0.0 0.1 0.1 0.1 0.1 0.0
Normalized after Tax Profit 66.1 56.5 53.8 38.3 34.6 31.2 21.7 15.8 9.5 36.6
Normalized Net Income from Continuing Operations 66.1 56.5 53.8 38.3 34.6 31.2 21.7 15.8 9.5 36.6
Normalized Net Income - Bottom Line 66.0 57.2 53.8 37.9 34.1 31.2 21.6 15.4 9.1 36.5
Earnings before Interest & Taxes (EBIT) - Normalized 147.4 119.1 109.6 80.9 61.1 53.3 35.1 24.9 30.1 58.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 167.2 137.3 126.0 94.5 72.5 63.9 44.4 28.5 34.1 62.5
Loan Losses - Net 12.4 — 9.5 4.4 7.2 6.2 1.0 2.0 0.5 0.5
Loan Recoveries - Actual 1.0 — 1.2 0.9 0.8 0.6 0.6 4.6 5.2 5.0
Loan Losses - Actual 13.5 7.9 10.7 5.3 8.1 6.8 1.6 6.5 5.6 5.5
Interest Expense on Financial Lease Liabilities - Supplemental 4.1 3.6 3.3 3.1 3.3 1.9 2.0 — — —
Rental/Operating Lease Expense 1.5 1.4 1.4 1.4 1.2 1.3 0.5 4.5 3.9 6.1
Advertising Expenses - Supplemental 8.8 5.4 3.6 3.1 3.2 3.1 3.8 2.9 3.1 2.5
Interest Expense 405.8 567.6 470.2 270.5 130.8 141.1 156.8 83.6 66.2 59.1
Interest & Dividend Income after Loan Loss Provision - Net - Finance 265.4 222.1 232.1 162.0 125.5 119.1 99.1 81.0 82.8 82.6
Commissions & Fees from Securities Activities 1.8 1.8 1.3 1.2 5.6 4.4 4.5 2.0 4.1 —
Revenue after Loan Provisions - Net - Finance 671.1 789.7 702.3 432.6 256.4 260.3 255.9 164.7 149.0 141.7
Operating Expenses 212.7 220.6 184.6 130.1 104.8 106.3 89.3 76.1 61.4 53.6
Foreign Exchange Gain/(Loss) 8.9 7.9 4.6 11.9 5.4 (0.3) 1.7 (2.4) 2.8 1.4
Selling, General & Administrative Expenses excluding Research & Development Expenses 202.9 194.6 171.9 125.9 96.7 94.2 87.0 74.7 62.2 53.3
Investment Gain/(Loss) 20.3 26.5 3.2 2.4 1.9 7.5 (2.1) 2.0 9.0 6.6
Non-Interest Expense - Bank 191.6 187.8 163.9 125.9 94.4 92.1 89.0 75.0 83.4 51.6
Income before Taxes & Provision for Loan Losses 161.8 146.9 125.9 82.1 68.8 64.5 31.6 23.2 29.8 57.2
DPS - Common - Gross - Issue - By Payable Date Rs 18.25 16.00 8.75 6.00 8.25 2.50 5.00 4.00 10.50 14.00
DPS - Common - Gross - Issue - By Ex Date Rs 18.25 16.00 7.25 7.50 8.25 2.50 5.00 4.00 10.50 14.00
Tax Adjusted Operating Income 66.7 58.5 57.7 34.1 35.0 30.9 15.3 12.1 8.5 34.1
Operating Expenses excluding Non-Cash Charges - Total 192.9 202.4 168.3 116.5 93.4 95.7 80.1 72.6 57.4 50.1
Revenue Net of Interest Expense Before Loan Loss Provision 353.3 334.7 289.8 207.9 163.3 156.5 120.7 98.2 113.1 108.8
Income from Earning Assets 710.5 847.6 720.5 450.3 269.6 278.5 257.6 164.9 159.7 149.1
Income Available to Common Shares before Depreciation & Amortization 86.5 76.7 74.0 47.7 46.4 41.4 24.6 15.6 12.5 37.6
Commissions and Fees 45.9 48.9 41.4 30.7 24.7 18.1 19.9 17.8 19.4 18.6
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 18.25 16.00 7.25 7.50 8.25 2.50 5.00 4.00 10.50 14.00

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.