Last close · 16 Oct 2026
Rs 12.13 -1.78%
Annual · FY2007 – FY2025
JS Bank Limited (JSBL) income statement
JS Bank Limited reported total income of Rs 83.7 bn for FY2025 (Jan – Dec 2025), down 4.6% on FY2024. Net interest income was Rs 63.6 bn, down 14.5% on FY2024, with non-interest income of Rs 20.1 bn. Tax of Rs 11.8 bn took 60.9% of pre-tax profit. Profit attributable to shareholders was Rs 5.8 bn, down 43.5% on FY2024, or Rs 2.84 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 146.4 | 221.9 | 132.5 | 72.5 | 39.4 | 43.3 | 41.9 | 30.3 | 20.7 | 15.4 | 15.6 | 11.3 | 7.4 | 6.3 | 4.3 | 3.3 | 2.6 | 2.0 | 1.2 |
| Interest expense | (82.8) | (147.5) | (92.5) | (57.3) | (27.2) | (33.3) | (34.5) | (21.1) | (14.1) | (9.3) | (9.7) | (7.2) | (4.5) | (3.7) | (2.6) | (2.3) | (1.8) | (1.4) | (0.9) |
| Net interest income | 63.6 | 74.4 | 40.0 | 15.2 | 12.2 | 10.0 | 7.4 | 9.2 | 6.7 | 6.1 | 6.0 | 4.1 | 2.8 | 2.5 | 1.8 | 1.1 | 0.7 | 0.7 | 0.4 |
| Fee & commission income (net) | 9.3 | 7.2 | 4.5 | 3.3 | 4.1 | 4.3 | 3.4 | 3.3 | 2.8 | 2.1 | 1.8 | 1.4 | 1.1 | 0.8 | 0.4 | 0.2 | 0.1 | 0.1 | 0.1 |
| Foreign exchange income | 3.3 | 4.6 | 5.9 | 2.2 | 1.2 | 1.0 | 1.0 | 0.5 | 0.4 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Gain / (loss) on securities | 7.7 | 1.5 | 0.7 | (0.0) | 0.2 | 1.9 | (0.7) | (1.3) | 1.4 | 3.2 | 2.0 | 1.9 | 0.7 | 1.0 | 0.2 | 0.0 | 0.1 | 0.2 | 0.1 |
| Total non-interest income | 20.1 | 13.4 | 11.1 | 5.4 | 5.4 | 7.3 | 3.7 | 2.7 | 4.6 | 5.6 | 4.1 | 3.6 | 2.0 | 2.0 | 0.7 | 0.3 | 0.3 | 0.4 | 0.3 |
| Total income | 83.7 | 87.8 | 51.1 | 20.6 | 17.7 | 17.3 | 11.1 | 11.8 | 11.3 | 11.7 | 10.0 | 7.7 | 4.9 | 4.5 | 2.5 | 1.4 | 1.1 | 1.1 | 0.7 |
| Operating expenses | (65.3) | (57.7) | (36.5) | (18.4) | (15.7) | (14.8) | (12.0) | (11.2) | (9.5) | (7.8) | (6.3) | (5.2) | (3.8) | (3.4) | (2.0) | (2.0) | (2.5) | (1.0) | (0.7) |
| Provisions & impairment (loans) | 2.9 | 7.4 | 6.6 | 1.0 | 2.2 | 0.8 | 0.3 | 0.5 | 0.3 | 0.3 | 0.7 | 0.4 | 0.3 | 0.5 | (0.2) | 0.1 | 0.8 | 0.0 | 0.0 |
| Profit before tax | 19.3 | 30.7 | 18.3 | 2.3 | 2.3 | 2.2 | (0.1) | 1.1 | 1.9 | 3.9 | 3.8 | 2.6 | 1.1 | 1.2 | 0.5 | (0.6) | (1.4) | 0.1 | (0.1) |
| Taxation | (11.8) | (17.3) | (7.9) | (1.2) | (1.0) | (1.1) | (0.2) | (0.4) | (0.8) | (1.4) | (1.3) | (0.7) | (0.2) | (0.3) | (0.2) | 0.2 | 0.9 | (0.1) | 0.1 |
| Profit after tax | 7.5 | 13.4 | 10.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.6 | 1.1 | 2.5 | 2.5 | 1.9 | 0.8 | 0.8 | 0.4 | (0.4) | (0.6) | 0.1 | 0.0 |
| Profit attributable to shareholders | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.2) | 0.6 | 1.0 | 2.3 | 2.3 | 1.4 | 0.5 | 0.7 | 0.4 | (0.4) | (0.6) | 0.1 | 0.0 |
| Per share | |||||||||||||||||||
| EPS – basic (Rs) Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 2.00 | 1.95 | 1.35 | 0.44 | 0.71 | 0.42 | (0.66) | (1.05) | 0.11 | 0.07 |
| EPS – diluted (Rs) Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 1.66 | 1.62 | 1.14 | 0.44 | 0.71 | 0.42 | (0.66) | (1.05) | 0.11 | 0.07 |
| 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 | 2,050.7 | 2,050.7 | 1,577.9 | 1,297.5 | 1,297.5 | 1,297.5 | 1,297.5 | 1,267.3 | 1,072.5 | 1,072.5 | 1,072.5 | 1,072.5 | 1,072.5 | 1,012.3 | 858.6 | 621.9 | 564.9 | 519.7 | 510.6 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | -34.0% | +67.5% | +82.9% | +83.7% | -9.0% | +3.4% | +38.4% | +45.9% | +35.1% | -1.9% | +38.2% | +53.9% | +17.7% | +44.0% | +30.6% | +30.1% | +24.6% | +67.5% | — |
| Interest expense | -43.9% | +59.5% | +61.5% | +110.5% | -18.3% | -3.5% | +63.4% | +49.9% | +51.7% | -4.2% | +34.7% | +59.2% | +20.9% | +44.4% | +14.6% | +24.8% | +32.7% | +57.6% | — |
| Net interest income | -14.5% | +86.0% | +163.3% | +24.2% | +21.8% | +35.9% | -19.3% | +37.5% | +9.7% | +1.8% | +44.2% | +45.5% | +12.9% | +43.4% | +64.6% | +42.9% | +8.7% | +91.4% | — |
| Fee & commission income (net) | +28.5% | +60.6% | +35.0% | -18.7% | -5.1% | +27.8% | +2.6% | +17.0% | +34.9% | +16.7% | +25.3% | +31.1% | +38.4% | +120.8% | +81.1% | +48.4% | +27.8% | -18.3% | — |
| Foreign exchange income | -28.9% | -21.2% | +171.5% | +81.9% | +17.7% | +4.9% | +84.4% | +46.1% | +14.3% | +8.7% | +5.9% | +0.8% | +31.0% | +108.4% | +62.8% | -32.2% | -12.8% | +111.7% | — |
| Gain / (loss) on securities | +411.6% | +108.4% | — | -114.0% | -91.5% | — | — | -197.3% | -57.0% | +59.5% | +5.5% | +178.2% | -29.9% | +300.7% | +390.5% | -44.8% | -57.4% | +46.1% | — |
| Total non-interest income | +50.6% | +20.7% | +105.6% | -1.3% | -24.9% | +95.2% | +38.6% | -42.3% | -17.0% | +37.2% | +13.2% | +76.5% | +3.4% | +183.3% | +127.6% | -1.6% | -25.4% | +30.6% | — |
| Total income | -4.6% | +71.9% | +148.2% | +16.3% | +2.2% | +55.7% | -6.1% | +4.7% | -3.1% | +16.2% | +29.7% | +58.4% | +8.7% | +83.2% | +78.6% | +29.8% | -4.2% | +62.7% | — |
| Operating expenses | +13.1% | +58.1% | +98.1% | +17.4% | +6.3% | +22.6% | +7.5% | +17.6% | +21.7% | +24.6% | +21.2% | +38.1% | +10.9% | +73.4% | -1.5% | -21.0% | +152.4% | +34.1% | — |
| Provisions & impairment (loans) | -60.8% | +11.5% | +540.5% | -52.9% | +169.9% | +222.3% | -44.8% | +59.5% | +4.1% | -61.5% | +70.7% | +59.1% | -50.1% | — | -210.8% | -82.3% | +6,787.9% | +15.3% | — |
| Profit before tax | -37.1% | +67.4% | +694.0% | +2.2% | +4.1% | — | -108.0% | -42.5% | -51.7% | +2.3% | +45.5% | +140.2% | -7.0% | +115.6% | — | — | -1,402.6% | — | — |
| Taxation | -32.1% | +118.0% | +552.2% | +17.1% | -1.9% | +520.8% | -60.4% | -45.8% | -43.0% | +7.1% | +88.6% | +187.7% | -28.9% | +92.3% | — | — | -1,612.5% | — | — |
| Profit after tax | -43.6% | +28.6% | +852.5% | -10.4% | +9.8% | — | -140.2% | -40.1% | -56.6% | -0.3% | +29.9% | +126.6% | +2.1% | +127.0% | — | — | -1,186.2% | +54.6% | — |
| Profit attributable to shareholders | -43.5% | +9.1% | +773.5% | -9.5% | +7.6% | — | -139.9% | -40.1% | -55.9% | +3.4% | +55.8% | +204.7% | -34.3% | +100.4% | — | — | -1,186.2% | +54.6% | — |
| Per share | |||||||||||||||||||
| EPS – basic (Rs) | -43.5% | -16.0% | +618.2% | -9.5% | +7.6% | — | -160.5% | -56.5% | -60.6% | +2.5% | +45.0% | +204.7% | -38.0% | +70.0% | — | — | -1,096.2% | +51.9% | — |
| EPS – diluted (Rs) | -43.5% | -16.0% | +618.2% | -9.5% | +7.6% | — | -160.5% | -56.5% | -52.3% | +2.5% | +41.6% | +157.9% | -38.0% | +70.0% | — | — | -1,096.2% | +51.9% | — |
| 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 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 174.9% | 252.8% | 259.5% | 352.2% | 223.0% | 250.4% | 377.0% | 255.7% | 183.4% | 131.5% | 155.7% | 146.2% | 150.5% | 139.0% | 176.9% | 241.8% | 241.2% | 185.5% | 180.2% |
| Interest expense | (98.9%) | (168.0%) | (181.1%) | (278.4%) | (153.8%) | (192.3%) | (310.5%) | (178.3%) | (124.5%) | (79.5%) | (96.4%) | (92.8%) | (92.3%) | (83.0%) | (105.3%) | (164.1%) | (170.7%) | (123.3%) | (127.4%) |
| Net interest income | 76.0% | 84.8% | 78.3% | 73.9% | 69.2% | 58.1% | 66.5% | 77.3% | 58.9% | 52.0% | 59.4% | 53.4% | 58.2% | 56.0% | 71.6% | 77.7% | 70.6% | 62.2% | 52.9% |
| Fee & commission income (net) | 11.1% | 8.2% | 8.8% | 16.2% | 23.1% | 24.9% | 30.4% | 27.8% | 24.9% | 17.8% | 17.8% | 18.4% | 22.2% | 17.5% | 14.5% | 14.3% | 12.5% | 9.4% | 18.6% |
| Foreign exchange income | 3.9% | 5.3% | 11.5% | 10.5% | 6.7% | 5.8% | 8.7% | 4.4% | 3.2% | 2.7% | 2.9% | 3.5% | 5.5% | 4.6% | 4.0% | 4.4% | 8.5% | 9.3% | 7.1% |
| Gain / (loss) on securities | 9.1% | 1.7% | 1.4% | (0.1%) | 0.9% | 11.1% | (6.0%) | (11.3%) | 12.2% | 27.4% | 20.0% | 24.6% | 14.0% | 21.7% | 9.9% | 3.6% | 8.5% | 19.2% | 21.3% |
| Total non-interest income | 24.0% | 15.2% | 21.7% | 26.1% | 30.8% | 41.9% | 33.5% | 22.7% | 41.1% | 48.0% | 40.6% | 46.6% | 41.8% | 44.0% | 28.4% | 22.3% | 29.4% | 37.8% | 47.1% |
| 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 | (77.9%) | (65.7%) | (71.4%) | (89.5%) | (88.7%) | (85.3%) | (108.3%) | (94.6%) | (84.2%) | (67.0%) | (62.5%) | (66.9%) | (76.7%) | (75.3%) | (79.5%) | (144.1%) | (236.9%) | (89.9%) | (109.2%) |
| Provisions & impairment (loans) | 3.5% | 8.4% | 13.0% | 5.0% | 12.5% | 4.7% | 2.3% | 3.9% | 2.5% | 2.4% | 7.1% | 5.4% | 5.4% | 11.8% | (6.2%) | 9.9% | 73.0% | 1.0% | 1.4% |
| Profit before tax | 23.1% | 35.0% | 35.9% | 11.2% | 12.8% | 12.5% | (0.8%) | 9.0% | 16.5% | 33.0% | 37.5% | 33.4% | 22.1% | 25.8% | 21.9% | (45.3%) | (136.9%) | 10.1% | (9.2%) |
| Taxation | (14.0%) | (19.7%) | (15.6%) | (5.9%) | (5.9%) | (6.1%) | (1.5%) | (3.6%) | (7.0%) | (12.0%) | (13.0%) | (8.9%) | (4.9%) | (7.5%) | (7.2%) | 15.7% | 80.7% | (5.1%) | 14.4% |
| Profit after tax | 9.0% | 15.2% | 20.3% | 5.3% | 6.9% | 6.4% | (2.3%) | 5.4% | 9.4% | 21.1% | 24.5% | 24.5% | 17.1% | 18.3% | 14.7% | (29.7%) | (56.2%) | 5.0% | 5.2% |
| Profit attributable to shareholders | 7.0% | 11.7% | 18.5% | 5.3% | 6.8% | 6.4% | (2.2%) | 5.2% | 9.1% | 20.0% | 22.4% | 18.7% | 9.7% | 16.1% | 14.7% | (29.7%) | (56.2%) | 5.0% | 5.2% |
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 141
| 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 | 63.6 | 74.4 | 40.0 | 15.2 | 12.2 | 10.0 | 7.4 | 9.2 | 6.7 | 6.1 |
| Interest & Dividend Income - Finance - Total | 146.4 | 221.9 | 132.5 | 72.5 | 39.4 | 43.3 | 41.9 | 30.3 | 20.7 | 15.4 |
| Interest Income - Loans/Deposits | 145.5 | 216.7 | 130.6 | 72.2 | 39.2 | 43.2 | 32.0 | 20.0 | 10.4 | — |
| Interest & Fees on Loans & Receivables | 143.0 | 214.6 | 127.3 | 70.7 | 38.4 | 41.8 | 31.1 | 19.8 | 10.2 | — |
| Interest Income - Deposits to Other Financial Institutions | 1.1 | 1.7 | 0.5 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | — |
| Interest & Dividend Income - Other - Finance | 0.6 | 0.5 | 0.5 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.3 | 15.4 |
| Interest Income - Collateralized Financing | 1.3 | 0.4 | 2.9 | 1.3 | 0.7 | 1.3 | 0.9 | 0.1 | 0.2 | — |
| Interest & Dividend Income - Investment Securities - Finance | 0.4 | 4.7 | 1.4 | 0.1 | 0.1 | 0.0 | 9.7 | 10.1 | 10.1 | — |
| Net Commission & Fees Income/Expense - Business Revenue | 9.3 | 7.2 | 4.5 | 3.3 | 4.1 | 4.3 | 3.4 | 3.3 | 2.8 | 2.1 |
| Fees & Commissions Income | 11.6 | 9.0 | 6.0 | 3.9 | 4.4 | 4.4 | 3.4 | 3.3 | 2.8 | 2.1 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 0.4 | 4.7 | 1.4 | 0.1 | 0.1 | 0.0 | 9.7 | 10.1 | 10.1 | — |
| Fees & Commissions Expense | 2.4 | 1.8 | 1.5 | 0.6 | 0.3 | 0.1 | 0.0 | 0.0 | — | — |
| Investments & Loans - Business - Gain/(Loss) | 7.6 | 1.5 | 0.7 | (0.1) | 0.2 | 1.9 | (0.6) | (1.1) | 1.5 | 3.2 |
| Interest Expense - Finance - Total | 82.8 | 147.5 | 92.5 | 57.3 | 27.2 | 33.3 | 34.5 | 21.1 | 14.1 | 9.3 |
| Interest Expense - Operational Financing - Business | 65.3 | 118.7 | 74.0 | 39.4 | 22.3 | 30.1 | 31.1 | 20.0 | 13.4 | 9.3 |
| Interest Expense - Deposits | 62.9 | 114.0 | 72.0 | 38.8 | 21.8 | 29.4 | 28.3 | 15.0 | 11.7 | — |
| Investment Securities - Business - Gain/(Loss) | 7.7 | 1.5 | 0.7 | (0.0) | 0.2 | 1.9 | (0.7) | (1.3) | 1.4 | 3.2 |
| Interest Expense - Collateralized Financing | — | — | — | — | — | — | 2.8 | 5.0 | 1.7 | — |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 7.6 | 1.9 | 0.6 | (0.0) | 0.2 | 1.9 | (0.7) | (1.3) | — | — |
| Interest Expenses - Other - Total | 2.4 | 4.7 | 1.9 | 0.6 | 0.5 | 0.7 | — | — | — | — |
| Interest Expense - External Financing Business | 17.4 | 28.8 | 18.5 | 17.9 | 4.9 | 3.2 | 3.4 | 1.1 | 0.7 | — |
| Non-Interest Business Revenue/(Expense) - Net - Total | 20.1 | 13.4 | 11.1 | 5.4 | 5.4 | 7.3 | 3.7 | 2.7 | 4.6 | 5.6 |
| Derivatives - Hedging - Business - Gain/(Loss) | (0.1) | 0.0 | (0.0) | (0.1) | 0.0 | 0.0 | 0.0 | 0.2 | 0.1 | — |
| Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) | (0.1) | — | — | — | — | — | — | — | — | — |
| Trust Income | — | — | — | — | — | — | — | — | 0.0 | — |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 3.3 | 4.6 | 5.9 | 2.2 | 1.2 | 1.0 | 1.0 | 0.5 | 0.4 | 0.3 |
| Trading Investments/Trading Account Income - Gain/(Loss) | 0.0 | (0.4) | 0.1 | 0.0 | (0.1) | 0.0 | 0.0 | (0.1) | — | 0.0 |
| Trading Investments - Unrealized Gain/(Loss) | 0.0 | (0.4) | 0.1 | 0.0 | (0.1) | 0.0 | 0.0 | (0.1) | — | 0.0 |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | — | — | — | — | — | — | — | 1.4 | 3.2 |
| Revenue from Business Activities - Total | 83.7 | 87.8 | 51.1 | 20.6 | 17.7 | 17.3 | 11.1 | 11.8 | 11.3 | 11.7 |
| Selling, General & Administrative Expenses - Total | 62.2 | 50.2 | 29.8 | 17.3 | 13.5 | 13.9 | 11.7 | 10.7 | 9.1 | 7.5 |
| Selling, General & Administrative Expenses - Unclassified | 23.2 | 18.9 | 11.4 | 5.5 | 4.9 | 4.6 | 3.7 | 3.2 | 2.5 | — |
| Depreciation in Selling, General & Administrative Expenses | 7.3 | 5.8 | 3.1 | 2.1 | 1.8 | 1.7 | 1.8 | 0.7 | 0.6 | — |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 1.1 | 0.8 | 0.3 | 1.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — |
| Equipment/Occupancy Expense - Bank/Financial - Other | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1.1 | 1.4 | — |
| Other Operating Expense/(Income) - Net | 0.2 | 0.0 | 0.1 | 0.1 | (0.0) | 0.1 | 0.1 | (0.0) | 0.1 | 0.0 |
| Other Operating Income - Total | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 |
| Operating Expenses - Total | 65.3 | 57.7 | 36.5 | 18.4 | 15.7 | 14.8 | 12.0 | 11.2 | 9.5 | 7.8 |
| Provision & Impairment for Loan Losses | 2.9 | 7.4 | 6.6 | 1.0 | 2.2 | 0.8 | 0.3 | 0.5 | 0.3 | 0.3 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 27.9 | 21.6 | 12.4 | 7.5 | 6.2 | 7.0 | 5.7 | 5.2 | 4.2 | — |
| Selling, General & Administrative Expenses - Other - Total | 2.6 | 3.1 | 2.6 | 1.2 | 0.4 | 0.5 | 0.4 | 1.5 | 1.8 | — |
| Advertising Expense | 2.4 | 3.0 | 2.5 | 1.2 | 0.4 | 0.5 | 0.3 | 0.4 | 0.3 | — |
| Operating Profit before Non-Recurring Income/(Expense) | 18.5 | 30.1 | 14.6 | 2.2 | 2.0 | 2.5 | (0.9) | 0.6 | 1.8 | 3.9 |
| Other Operating Expense | 0.4 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 |
| Operating Provisions - Increase/(Decrease) | — | — | — | — | — | — | — | — | 0.0 | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.2 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.5 | 0.1 | 0.1 | — |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.4 | 0.4 | (0.1) | (0.0) | 0.0 | (0.0) | 0.0 | 0.0 | (0.0) | — |
| Normalized Pre-tax Profit | 19.1 | 30.6 | 14.6 | 2.2 | 2.0 | 2.5 | (0.4) | 0.8 | 1.9 | 3.9 |
| Non-Recurring Income/Expense - Total | 0.2 | 0.1 | 3.7 | 0.1 | 0.2 | (0.4) | 0.3 | 0.3 | — | — |
| Impairment - Tangible & Intangible Fixed Assets | — | — | — | 0.1 | 0.0 | 0.2 | 0.0 | — | — | — |
| Impairment - Fixed Assets | — | — | — | 0.1 | 0.0 | 0.2 | 0.0 | — | — | — |
| Impairment - Financial Investments | — | — | — | (0.1) | (0.3) | 0.2 | (0.3) | (0.3) | — | — |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.2 | 0.1 | 0.1 | 0.2 | 0.0 | 0.1 | — | — | — | — |
| Recognition of Negative Goodwill | — | 0.0 | 3.6 | — | — | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 11.8 | 17.3 | 7.9 | — | — | — | — | — | — | — |
| Income before Taxes | 19.3 | 30.7 | 18.3 | 2.3 | 2.3 | 2.2 | (0.1) | 1.1 | 1.9 | 3.9 |
| Income Taxes | 11.8 | 17.3 | 7.9 | 1.2 | 1.0 | 1.1 | 0.2 | 0.4 | 0.8 | 1.4 |
| Income Taxes for the Year - Current | — | — | — | 1.2 | 1.1 | 0.7 | 0.8 | 0.5 | 0.7 | 1.1 |
| Income Taxes - Deferred | — | — | — | (0.0) | 0.1 | 0.3 | (0.6) | (0.1) | 0.0 | 0.2 |
| Income Taxes - Other (by Type) | — | — | — | 0.0 | (0.1) | (0.0) | 0.0 | (0.0) | 0.1 | 0.1 |
| Net Income after Tax | 7.5 | 13.4 | 10.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.6 | 1.1 | 2.5 |
| Income before Discontinued Operations & Extraordinary Items | 7.5 | 13.4 | 10.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.6 | 1.1 | 2.5 |
| Net Income before Minority Interest | 7.5 | 13.4 | 10.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.6 | 1.1 | 2.5 |
| Minority Interest | 1.7 | 3.1 | 0.9 | 0.0 | 0.0 | (0.0) | (0.0) | 0.0 | 0.0 | 0.1 |
| Net Income after Minority Interest | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.2) | 0.6 | 1.0 | 2.3 |
| Income Available to Common Shares | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.4 | 0.8 | 2.1 |
| Distribution for Preferred Shares | — | — | — | — | — | 0.0 | 0.0 | 0.2 | 0.2 | 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 | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.4 | 0.8 | 2.1 |
| Income available to Common excluding Extraordinary Items | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.4 | 0.8 | 2.1 |
| Shares used to calculate Basic EPS - Total mn | 2,050.7 | 2,050.7 | 1,577.9 | 1,297.5 | 1,297.5 | 1,297.5 | 1,297.5 | 1,267.3 | 1,072.5 | 1,072.5 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 2.00 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 2.00 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 2.73 | 4.98 | 3.63 | 0.75 | 0.74 | 1.14 | (0.47) | 0.11 | 0.79 | 2.00 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.4 | 0.8 | 2.1 |
| 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 | 2,050.7 | 2,050.7 | 1,577.9 | 1,297.5 | 1,297.5 | 1,297.5 | 1,297.5 | 1,267.3 | 1,072.5 | 1,072.5 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 2.00 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 2.00 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 2.73 | 4.98 | 3.63 | 0.75 | 0.74 | 1.14 | (0.47) | 0.11 | 0.79 | 2.00 |
| 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 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.4 | 0.8 | 2.1 |
| Diluted Income available to Common excluding Extraordinary Items | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.4 | 0.8 | 2.1 |
| Shares used to calculate Diluted EPS - Total mn | 2,050.7 | 2,050.7 | 1,577.9 | 1,297.5 | 1,297.5 | 1,297.5 | 1,297.5 | 1,267.3 | 1,072.5 | 1,297.5 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 1.66 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 1.66 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 2.73 | 4.98 | 3.63 | 0.75 | 0.74 | 1.14 | (0.47) | 0.11 | 0.79 | 1.66 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | (0.3) | 0.4 | 0.8 | 2.1 |
| 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 | 2,050.7 | 2,050.7 | 1,577.9 | 1,297.5 | 1,297.5 | 1,297.5 | 1,297.5 | 1,267.3 | 1,072.5 | 1,297.5 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 1.66 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 2.84 | 5.03 | 5.99 | 0.83 | 0.92 | 0.86 | (0.21) | 0.34 | 0.79 | 1.66 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 2.73 | 4.98 | 3.63 | 0.75 | 0.74 | 1.14 | (0.47) | 0.11 | 0.79 | 1.66 |
| 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) | 18.5 | 30.1 | 14.6 | 2.2 | 2.0 | 2.5 | (0.9) | 0.6 | 1.8 | 3.9 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 26.9 | 36.7 | 18.0 | 5.2 | 4.0 | 4.4 | 1.0 | 1.5 | 2.5 | 4.5 |
| Depreciation & Amortization - Supplemental | 8.4 | 6.6 | 3.4 | 3.1 | 2.0 | 1.9 | 1.9 | 0.8 | 0.7 | — |
| Depreciation Expense - Total - Supplemental | 7.3 | 5.8 | 3.1 | 2.1 | 1.8 | 1.7 | 1.8 | 0.7 | 0.6 | — |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 3.4 | 2.7 | 1.4 | 1.1 | 1.0 | 1.0 | 1.0 | — | — | — |
| Amortization - Total - Supplemental | 1.1 | 0.8 | 0.3 | 1.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — |
| Depreciation, Depletion & Amortization - Total | 8.4 | 6.6 | 3.4 | 3.1 | 2.0 | 1.9 | 1.9 | 0.8 | 0.7 | 0.6 |
| Depreciation - Total | 7.3 | 5.8 | 3.1 | 2.1 | 1.8 | 1.7 | 1.8 | 0.7 | 0.6 | 0.6 |
| Amortization of Intangible Assets excluding Goodwill - Total | 1.1 | 0.8 | 0.3 | 1.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Labor & Related Expenses - Total | 27.9 | 21.6 | 12.4 | 7.5 | 6.2 | 7.0 | 5.7 | 5.2 | 4.2 | — |
| Labor & Related Expenses - Supplemental | 27.9 | 21.6 | 12.4 | 7.5 | 6.2 | 7.0 | 5.7 | 5.2 | 4.2 | — |
| Auditor Fees | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Audit-Related Fees | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Tax Fees | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Fees - Other | — | — | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Normalized after Tax Profit | 7.3 | 13.3 | 6.7 | 1.0 | 1.0 | 1.5 | (0.6) | 0.3 | 1.1 | 2.5 |
| Normalized Net Income from Continuing Operations | 7.3 | 13.3 | 6.7 | 1.0 | 1.0 | 1.5 | (0.6) | 0.3 | 1.1 | 2.5 |
| Normalized Net Income - Bottom Line | 5.6 | 10.2 | 5.7 | 1.0 | 1.0 | 1.5 | (0.6) | 0.1 | 0.8 | 2.1 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 19.1 | 30.6 | 14.6 | 2.2 | 2.0 | 2.5 | (0.4) | 0.8 | 1.9 | 3.9 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 27.5 | 37.2 | 18.0 | 5.3 | 4.0 | 4.4 | 1.5 | 1.6 | 2.6 | 4.5 |
| Loan Losses - Net | — | — | — | — | 2.5 | — | — | — | — | — |
| Loan Recoveries - Actual | — | — | — | — | 0.8 | — | — | — | — | — |
| Loan Losses - Actual | 0.5 | 0.2 | 0.1 | 0.2 | 3.2 | 0.0 | 0.0 | — | — | — |
| Interest Expense on Financial Lease Liabilities - Supplemental | 1.4 | 1.2 | 1.0 | 0.4 | 0.4 | 0.5 | 0.6 | — | — | — |
| Advertising Expenses - Supplemental | 2.4 | 3.0 | 2.5 | 1.2 | 0.4 | 0.5 | 0.3 | 0.4 | 0.3 | — |
| Interest Expense | 82.8 | 147.5 | 92.5 | 57.3 | 27.2 | 33.3 | 34.5 | 21.1 | 14.1 | 9.3 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 60.7 | 67.0 | 33.4 | 14.2 | 10.0 | 9.2 | 7.1 | 8.7 | 6.4 | 5.8 |
| Commissions & Fees from Securities Activities | 3.2 | 1.8 | 1.0 | 0.6 | 1.0 | 0.8 | 0.2 | 0.2 | 0.2 | — |
| Revenue after Loan Provisions - Net - Finance | 143.5 | 214.5 | 125.9 | 71.4 | 37.2 | 42.5 | 41.6 | 29.8 | 20.5 | 15.1 |
| Operating Expenses | 65.3 | 57.7 | 36.5 | 18.4 | 15.7 | 14.8 | 12.0 | 11.2 | 9.5 | 7.8 |
| Foreign Exchange Gain/(Loss) | 3.3 | 4.6 | 5.9 | 2.2 | 1.2 | 1.0 | 1.0 | 0.5 | 0.4 | 0.3 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 62.2 | 50.2 | 29.8 | 17.3 | 13.5 | 13.9 | 11.7 | 10.7 | 9.1 | 7.5 |
| Investment Gain/(Loss) | 8.2 | 1.9 | 1.2 | 0.2 | 0.4 | 2.1 | (0.5) | (1.1) | 1.6 | 3.4 |
| Non-Interest Expense - Bank | 61.5 | 49.7 | 26.1 | 17.2 | 13.2 | 14.3 | 10.9 | 10.3 | 9.2 | 7.5 |
| Income before Taxes & Provision for Loan Losses | 22.2 | 38.1 | 25.0 | 3.3 | 4.5 | 3.0 | 0.2 | 1.5 | 2.2 | 4.1 |
| 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 | 5.8 | 10.3 | 9.4 | 1.1 | 1.2 | 1.1 | — | 0.6 | 1.0 | 2.3 |
| Operating Expenses excluding Non-Cash Charges - Total | 56.8 | 51.0 | 33.1 | 15.3 | 13.7 | 12.9 | 10.1 | 10.4 | 8.8 | 7.2 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 83.7 | 87.8 | 51.1 | 20.6 | 17.7 | 17.3 | 11.1 | 11.8 | 11.3 | 11.7 |
| Income from Earning Assets | 157.4 | 227.7 | 139.2 | 74.6 | 40.7 | 46.3 | 42.2 | 29.4 | 22.5 | 18.9 |
| Income Available to Common Shares before Depreciation & Amortization | 14.3 | 16.9 | 12.9 | 4.2 | 3.2 | 3.0 | 1.7 | 1.3 | 1.6 | 2.8 |
| Commissions and Fees | 9.3 | 7.2 | 4.5 | 3.3 | 4.1 | 4.3 | 3.4 | 3.3 | 2.8 | 2.1 |
| 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 | 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.