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Commercial Banks

JSBL JS Bank Limited

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

Last close · 16 Oct 2026

Rs 12.13 -1.78%

Quarterly · Q3 FY2021 – Q2 FY2026

JS Bank Limited (JSBL) quarterly income statement

JS Bank Limited reported total income of Rs 21.7 bn for Q2 FY2026 (Apr – Jun 2026), up 1.8% on Q2 FY2025. Net interest income was Rs 17.4 bn, up 9.6% on Q2 FY2025, with non-interest income of Rs 4.3 bn. Tax of Rs 3.6 bn took 50.5% of pre-tax profit. Profit attributable to shareholders was Rs 3.2 bn, up 96.9% on Q2 FY2025, or Rs 1.58 per share.

JSBL income statement (quarterly) (Rs bn)
Rs bn TTM to Jun 2026 Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income 136.4 35.8 32.8 33.8 34.0 37.4 41.3 53.1 57.4 55.7 56.3 55.5 34.2 21.6 21.2 23.4 19.0 16.2 13.9 10.3 10.1
Interest expense (72.9) (18.4) (17.5) (17.4) (19.5) (21.5) (24.3) (32.6) (38.7) (37.5) (38.9) (35.5) (25.0) (16.1) (15.9) (19.0) (15.0) (12.8) (10.5) (7.4) (6.8)
Net interest income 63.6 17.4 15.4 16.4 14.5 15.9 16.9 20.5 18.7 18.1 17.4 20.1 9.2 5.5 5.2 4.4 4.0 3.4 3.4 2.9 3.2
Fee & commission income (net) 11.5 2.9 2.6 3.0 3.0 2.5 1.9 2.2 2.2 1.6 1.7 1.4 1.3 0.8 1.0 1.0 0.8 0.8 0.8 0.9 1.2
Foreign exchange income 4.0 1.2 0.8 0.6 1.3 0.5 0.9 0.5 0.5 1.9 1.7 2.5 0.8 0.8 1.7 0.2 0.9 0.6 0.3 0.3 0.3
Gain / (loss) on securities 3.3 0.1 0.2 1.7 1.3 2.5 2.1 (0.3) 0.5 0.6 0.7 0.7 0.2 (0.1) (0.4) (0.3) 0.1 (0.2) 0.4 0.1 0.0
Total non-interest income 18.7 4.3 3.6 5.2 5.6 5.4 5.0 2.5 3.3 3.4 4.3 4.6 2.3 1.7 2.2 0.9 1.8 1.2 1.4 1.4 1.5
Total income 82.3 21.7 19.0 21.5 20.1 21.3 21.9 23.0 22.0 21.5 21.7 24.7 11.5 7.2 7.4 5.3 5.8 4.6 4.8 4.3 4.8
Operating expenses (64.7) (14.6) (15.5) (17.7) (16.8) (17.2) (14.5) (17.5) (16.5) (12.1) (12.3) (19.8) (5.0) (5.4) (5.8) (5.0) (5.1) (4.4) (4.0) (3.9) (4.1)
Provisions & impairment (loans) (2.1) (2.1) (0.6) 0.5 0.1 2.0 0.3 3.2 3.1 0.2 1.0 3.8 1.8 0.2 0.8 0.4 0.5 (0.1) 0.3 0.7 0.4
Profit before tax 18.0 7.2 3.4 4.1 3.3 4.4 7.5 6.0 5.9 9.5 9.4 8.3 6.7 1.8 1.6 0.3 0.8 0.3 0.9 0.4 0.6
Taxation (11.0) (3.6) (2.2) (2.6) (2.5) (2.2) (4.4) (5.3) (2.9) (3.9) (5.1) (4.9) (1.3) (1.1) (0.7) (0.2) (0.5) (0.3) (0.3) (0.2) (0.3)
Profit after tax 6.9 3.6 1.2 1.4 0.8 2.2 3.1 0.7 3.0 5.5 4.2 3.4 5.4 0.7 0.9 0.1 0.4 (0.0) 0.6 0.2 0.3
Profit attributable to shareholders 5.9 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2 0.7 0.9 0.1 0.4 (0.0) 0.6 0.2 0.3
Per share
EPS – basic (Rs) Rs 2.88 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62 0.54 0.68 0.10 0.30 (0.02) 0.45 0.13 0.25
EPS – diluted (Rs) Rs 2.88 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62 0.54 0.68 0.10 0.30 (0.02) 0.45 0.13 0.25
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
Weighted average shares mn 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,046.2 1,421.8 1,297.5 1,297.5 1,297.5 1,297.5 1,297.5 1,297.5 1,297.5 1,297.5
JSBL income statement — year-on-year change (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income -4.2% -20.4% -36.3% -40.7% -32.9% -26.7% -4.4% +67.9% +157.4% +166.0% +137.5% +79.9% +33.8% +52.2% +127.5% +88.4% +72.1% +43.7% +10.9% +5.4%
Interest expense -14.4% -28.2% -46.4% -49.5% -42.7% -37.5% -8.2% +54.9% +132.7% +144.4% +86.7% +66.8% +26.4% +51.3% +157.8% +118.8% +106.8% +54.5% +9.9% -7.5%
Net interest income +9.6% -9.2% -20.2% -22.5% -12.5% -2.6% +2.1% +103.2% +229.5% +232.0% +357.5% +128.5% +61.5% +55.1% +50.9% +24.1% +5.7% +18.0% +13.5% +49.3%
Fee & commission income (net) +17.4% +37.1% +36.0% +31.6% +53.7% +14.0% +59.1% +69.0% +108.4% +67.7% +41.3% +74.4% -3.6% +28.6% +5.7% -34.3% -21.3% -20.4% -15.7% +1.5%
Foreign exchange income +152.9% -9.6% +18.2% +152.6% -74.7% -45.9% -79.4% -37.8% +133.5% -3.3% +918.3% -12.7% +30.6% +406.6% -29.0% +208.5% +133.5% +27.7% +25.5% -20.4%
Gain / (loss) on securities -95.7% -90.9% — +145.3% +342.4% +228.7% -135.2% +233.3% — — — +85.6% — -213.5% -397.9% +270.5% — +324.6% -89.6% -84.9%
Total non-interest income -21.1% -27.1% +108.4% +71.1% +61.0% +15.5% -45.8% +41.2% +104.1% +99.0% +425.5% +27.6% +34.2% +49.0% -35.5% +20.9% -0.6% +7.6% -42.0% -11.2%
Total income +1.8% -13.3% -6.3% -8.5% -0.9% +1.0% -6.8% +90.7% +200.5% +193.1% +368.8% +97.0% +54.2% +53.3% +23.4% +23.1% +4.0% +14.6% -13.0% +22.7%
Operating expenses -15.0% +6.8% +1.5% +1.8% +42.4% +17.9% -11.8% +230.4% +122.4% +111.0% +295.0% -1.3% +24.0% +47.4% +30.0% +23.7% +5.5% +10.3% -14.1% +22.9%
Provisions & impairment (loans) -207.8% -303.2% -83.7% -96.2% +923.6% -70.3% -16.8% +67.2% -19.1% +33.5% +936.7% +283.5% — +137.1% -46.5% +13.6% -116.9% -3.7% +46.8% —
Profit before tax +62.2% -54.9% -31.9% -44.2% -53.0% -20.0% -28.5% -11.1% +437.4% +495.0% +2,553.0% +703.9% +539.0% +76.8% -22.1% +33.0% -27.7% +4.7% +422.0% +7.9%
Taxation +63.9% -49.4% -50.8% -13.8% -43.7% -14.7% +8.4% +124.9% +275.1% +646.0% +2,527.8% +190.9% +239.7% +153.4% -23.4% +58.1% +62.8% -15.6% +250.3% +18.9%
Profit after tax +60.4% -62.7% +121.1% -74.2% -59.7% -26.4% -81.0% -44.3% +678.4% +377.0% +2,589.7% +1,313.1% — +43.0% -20.2% +11.9% -117.9% +17.0% +1,938.8% +0.1%
Profit attributable to shareholders +96.9% -62.5% +538.0% -74.0% -63.6% -28.8% -93.1% -57.6% +546.2% +286.0% +1,943.9% +1,223.7% — +50.0% -20.6% +18.5% -114.7% +16.3% +4,914.2% -1.5%
Per share
EPS – basic (Rs) +96.9% -62.5% +538.0% -74.0% -63.6% -28.8% -93.2% -70.6% +308.8% +144.2% +1,196.0% +1,107.9% — +50.0% -20.6% +18.5% -114.7% +16.3% +4,915.2% -1.5%
EPS – diluted (Rs) +96.9% -62.5% +538.0% -74.0% -63.6% -28.8% -93.2% -70.6% +308.8% +144.2% +1,196.0% +1,107.9% — +50.0% -20.6% +18.5% -114.7% +16.3% +4,915.2% -1.5%
Dividend per share (Rs) — — — — — — — — — — — — — — — — — — — —
Weighted average shares — — — — — — — — — — — — — — — — — — — —

Change against the same quarter a year earlier; shown when the earlier figure is positive.

JSBL income statement — common size (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income 165.1% 173.1% 157.0% 169.2% 175.3% 188.5% 230.9% 261.0% 258.8% 260.0% 225.2% 296.4% 302.2% 286.4% 444.6% 324.7% 348.4% 288.5% 241.2% 212.2%
Interest expense (84.8%) (92.2%) (81.0%) (97.1%) (100.8%) (111.2%) (141.8%) (176.0%) (174.5%) (179.8%) (143.8%) (216.6%) (225.3%) (215.7%) (361.2%) (255.9%) (274.9%) (218.5%) (173.0%) (143.9%)
Net interest income 80.2% 80.9% 75.9% 72.0% 74.5% 77.3% 89.2% 85.0% 84.3% 80.2% 81.4% 79.8% 76.9% 70.8% 83.4% 68.8% 73.5% 69.9% 68.2% 68.3%
Fee & commission income (net) 13.5% 13.9% 13.8% 14.7% 11.7% 8.8% 9.5% 10.2% 7.5% 7.8% 5.6% 11.5% 10.9% 13.6% 18.5% 13.0% 17.4% 16.2% 21.6% 24.4%
Foreign exchange income 5.7% 4.3% 2.8% 6.4% 2.3% 4.1% 2.2% 2.3% 9.0% 7.7% 10.1% 7.1% 11.6% 23.3% 4.7% 16.1% 13.7% 7.0% 8.1% 6.4%
Gain / (loss) on securities 0.5% 1.0% 7.9% 6.6% 11.6% 9.8% (1.1%) 2.4% 2.6% 3.0% 3.0% 1.4% (0.9%) (6.0%) (5.8%) 1.5% (4.2%) 8.1% 2.4% 0.5%
Total non-interest income 19.8% 19.1% 24.1% 28.0% 25.5% 22.7% 10.8% 15.0% 15.7% 19.8% 18.6% 20.2% 23.1% 29.2% 16.6% 31.2% 26.5% 30.1% 31.8% 31.7%
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 (67.4%) (81.7%) (82.4%) (83.6%) (80.7%) (66.4%) (76.0%) (75.1%) (56.2%) (56.9%) (80.3%) (43.3%) (75.9%) (79.1%) (95.3%) (86.4%) (94.4%) (82.2%) (90.5%) (86.0%)
Provisions & impairment (loans) (9.8%) (3.2%) 2.4% 0.6% 9.3% 1.4% 13.8% 13.9% 0.9% 4.7% 15.5% 15.9% 3.3% 10.3% 7.0% 8.2% (2.8%) 6.7% 16.1% 8.8%
Profit before tax 33.2% 17.8% 18.8% 16.5% 20.9% 34.2% 25.9% 27.0% 44.0% 43.2% 33.8% 57.8% 24.6% 21.3% 6.0% 14.2% 5.9% 18.5% 9.5% 13.1%
Taxation (16.8%) (11.7%) (12.1%) (12.6%) (10.4%) (20.1%) (23.1%) (13.4%) (18.3%) (23.8%) (19.8%) (11.4%) (14.7%) (9.3%) (3.5%) (7.7%) (6.7%) (5.6%) (5.7%) (6.0%)
Profit after tax 16.4% 6.1% 6.7% 3.8% 10.4% 14.2% 2.8% 13.6% 25.6% 19.5% 13.9% 46.5% 9.9% 12.0% 2.4% 6.5% (0.7%) 12.8% 3.8% 7.1%
Profit attributable to shareholders 15.0% 4.8% 5.5% 2.8% 7.7% 11.1% 0.8% 9.9% 21.1% 15.7% 11.0% 44.7% 9.8% 11.9% 2.5% 6.7% (0.6%) 12.2% 3.9% 6.9%

Each line as a percentage of total income.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. Updated 16 Oct 2026.

All reported line items 129
JSBL income statement — all reported line items (Rs bn)
Rs bn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023
Interest & Dividend Income/(Expense) - Net - Finance 17.4 15.4 16.4 14.5 15.9 16.9 20.5 18.7 18.1 17.4 20.1 9.2
Interest & Dividend Income - Finance - Total 35.8 32.8 33.8 34.0 37.4 41.3 53.1 57.4 55.7 56.3 55.5 34.2
Interest Income - Loans/Deposits 35.8 32.4 34.1 33.6 37.0 40.8 51.8 — 55.2 55.2 54.5 33.6
Interest & Fees on Loans & Receivables 34.8 31.7 32.9 33.2 36.5 40.4 51.0 — 54.8 54.7 53.8 32.2
Interest Income - Deposits to Other Financial Institutions 0.8 0.6 0.4 0.3 0.2 0.3 1.3 — 0.2 0.1 0.2 0.1
Interest & Dividend Income - Other - Finance (0.1) 0.3 0.1 0.1 0.1 0.2 0.1 57.4 0.1 0.2 0.2 0.1
Interest Income - Collateralized Financing 0.1 0.1 0.8 0.2 0.3 0.1 (0.5) — 0.3 0.4 0.5 1.3
Interest & Dividend Income - Investment Securities - Finance 0.1 0.1 (0.4) 0.3 0.3 0.3 1.1 — 0.3 0.9 0.8 0.5
Net Commission & Fees Income/Expense - Business Revenue 2.9 2.6 3.0 3.0 2.5 1.9 2.2 2.2 1.6 1.7 1.4 1.3
Fees & Commissions Income 2.9 3.2 3.0 3.0 3.1 2.6 2.6 2.2 2.1 2.1 1.9 1.8
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 0.1 0.1 (0.4) 0.3 0.3 0.3 1.1 — 0.3 0.9 0.8 0.5
Fees & Commissions Expense — 0.5 — — 0.6 0.7 0.4 — 0.4 0.4 0.5 0.5
Investments & Loans - Business - Gain/(Loss) 0.1 0.2 1.6 1.4 2.5 2.1 (0.2) 0.5 (0.2) 1.0 0.7 0.2
Interest Expense - Finance - Total 18.4 17.5 17.4 19.5 21.5 24.3 32.6 38.7 37.5 38.9 35.5 25.0
Interest Expense - Operational Financing - Business 15.5 13.3 14.6 15.7 17.4 17.8 24.8 38.7 31.6 30.7 29.7 20.6
Interest Expense - Deposits 14.8 13.0 14.1 15.0 16.7 17.2 23.9 — 30.2 29.4 28.6 20.1
Investment Securities - Business - Gain/(Loss) 0.1 0.2 1.7 1.3 2.5 2.1 (0.3) 0.5 0.6 0.7 0.7 0.2
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 0.0 0.3 1.7 1.9 1.8 2.2 0.3 — 0.5 0.4 0.7 0.1
Interest Expenses - Other - Total 0.8 0.4 0.5 0.7 0.7 0.6 0.8 — 1.3 1.2 1.1 0.5
Interest Expense - External Financing Business 2.8 4.2 2.9 3.9 4.1 6.6 7.8 — 6.0 8.3 5.8 4.4
Non-Interest Business Revenue/(Expense) - Net - Total 4.3 3.6 5.2 5.6 5.4 5.0 2.5 3.3 3.4 4.3 4.6 2.3
Derivatives - Hedging - Business - Gain/(Loss) 0.0 (0.0) (0.1) 0.1 (0.0) (0.0) 0.0 (0.0) (0.7) 0.3 (0.0) 0.0
Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) — — (0.1) — — — — — — — — —
Net Foreign Exchange Income/(Expense) - Business Revenue 1.2 0.8 0.6 1.3 0.5 0.9 0.5 0.5 1.9 1.7 2.5 0.8
Trading Investments/Trading Account Income - Gain/(Loss) 0.1 (0.1) 0.0 (0.6) 0.7 (0.0) (0.6) — 0.0 0.2 0.0 0.0
Trading Investments - Unrealized Gain/(Loss) 0.1 (0.1) 0.0 (0.6) 0.7 (0.0) (0.6) — 0.0 0.2 0.0 0.0
Investment Securities - Business Unclassified - Gain/(Loss) — — — — — — — 0.5 — — — —
Revenue from Business Activities - Total 21.7 19.0 21.5 20.1 21.3 21.9 23.0 22.0 21.5 21.7 24.7 11.5
Selling, General & Administrative Expenses - Total 16.8 16.1 17.5 16.6 15.0 14.1 14.3 13.5 11.9 11.3 12.4 7.1
Selling, General & Administrative Expenses - Unclassified 14.2 5.8 15.0 14.4 5.4 5.5 4.7 13.3 4.7 4.0 5.0 2.8
Depreciation in Selling, General & Administrative Expenses 2.0 2.0 2.1 1.8 1.8 1.6 2.2 — 1.4 1.4 1.1 0.8
Amortization of Intangibles in Selling, General & Administrative Expenses 0.4 0.3 0.3 0.3 0.3 0.2 0.3 — 0.2 0.1 0.1 0.1
Equipment/Occupancy Expense - Bank/Financial - Other — 0.1 — — 0.1 0.0 (0.1) — 0.1 0.1 — 0.1
Other Operating Expense/(Income) - Net (0.1) (0.0) (0.3) 0.1 0.2 0.1 0.0 (0.0) (0.0) (0.0) 3.6 (4.0)
Other Operating Income - Total 0.1 0.0 — 0.0 — 0.0 0.0 0.1 0.0 0.0 0.1 4.0
Operating Expenses - Total 14.6 15.5 17.7 16.8 17.2 14.5 17.5 16.5 12.1 12.3 19.8 5.0
Provision & Impairment for Loan Losses (2.1) (0.6) 0.5 0.1 2.0 0.3 3.2 3.1 0.2 1.0 3.8 1.8
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 0.1 7.5 0.1 0.1 6.4 6.6 6.4 0.1 4.9 4.9 5.3 2.7
Selling, General & Administrative Expenses - Other - Total — 0.5 — — 1.2 0.3 0.7 — 0.7 0.9 0.8 0.7
Advertising Expense — 0.5 — — 1.1 0.3 0.8 — 0.6 0.7 0.8 0.6
Operating Profit before Non-Recurring Income/(Expense) 7.1 3.5 3.8 3.3 4.1 7.4 5.5 5.5 9.4 9.3 4.9 6.5
Other Operating Expense 0.0 0.0 — 0.1 0.2 0.1 0.1 0.1 0.0 0.0 3.6 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.0 0.0 0.1 0.1 0.0 0.0 0.0 — 0.0 0.0 (0.1) 0.1
Equity Earnings/(Loss) - before Taxes including Non-Recurring 0.1 (0.1) 0.0 0.3 0.0 0.1 0.4 0.0 (0.0) (0.0) (0.0) 0.0
Other Non-Operating Income/(Expense) - Total — — — (0.3) 0.3 — — 0.4 — — — —
Normalized Pre-tax Profit 7.2 3.4 3.9 3.3 4.4 7.5 6.0 5.9 9.4 9.3 4.8 6.6
Non-Recurring Income/Expense - Total 0.0 0.0 0.1 0.0 0.0 0.0 0.0 — 0.0 0.0 3.6 0.0
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.0 0.0 0.1 0.0 0.0 0.0 0.0 — 0.0 0.0 0.0 0.0
Recognition of Negative Goodwill — — — — — — 0.0 — — — 3.6 —
Provision for Income Tax Expense- Unclassified 3.6 — 2.6 2.5 2.2 4.4 5.3 2.9 3.9 5.1 4.9 1.3
Income before Taxes 7.2 3.4 4.1 3.3 4.4 7.5 6.0 5.9 9.5 9.4 8.3 6.7
Income Taxes 3.6 2.2 2.6 2.5 2.2 4.4 5.3 2.9 3.9 5.1 4.9 1.3
Income Taxes for the Year - Current — 1.8 — — — — — — — — — —
Income Taxes - Deferred — 0.4 — — — — — — — — — —
Income Taxes - Other (by Type) — (0.0) — — — — — — — — — —
Net Income after Tax 3.6 1.2 1.4 0.8 2.2 3.1 0.7 3.0 5.5 4.2 3.4 5.4
Income before Discontinued Operations & Extraordinary Items 3.6 1.2 1.4 0.8 2.2 3.1 0.7 3.0 5.5 4.2 3.4 5.4
Net Income before Minority Interest 3.6 1.2 1.4 0.8 2.2 3.1 0.7 3.0 5.5 4.2 3.4 5.4
Minority Interest 0.3 0.2 0.3 0.2 0.6 0.7 0.5 0.8 1.0 0.8 0.7 0.2
Net Income after Minority Interest 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Income Available to Common Shares 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
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 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Income available to Common excluding Extraordinary Items 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Shares used to calculate Basic EPS - Total mn 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,046.2 1,421.8
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 1.56 0.44 0.51 0.27 0.79 1.17 0.09 1.06 2.20 1.64 (0.42) 3.60
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,046.2 1,421.8
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 1.56 0.44 0.51 0.27 0.79 1.17 0.09 1.06 2.20 1.64 (0.42) 3.60
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 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Diluted Income available to Common excluding Extraordinary Items 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Shares used to calculate Diluted EPS - Total mn 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,046.2 1,421.8
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 1.56 0.44 0.51 0.27 0.79 1.17 0.09 1.06 2.20 1.64 (0.42) 3.60
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,050.7 2,046.2 1,421.8
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 1.58 0.44 0.58 0.28 0.80 1.18 0.09 1.06 2.21 1.66 1.33 3.62
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 1.56 0.44 0.51 0.27 0.79 1.17 0.09 1.06 2.20 1.64 (0.42) 3.60
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) 7.1 3.5 3.8 3.3 4.1 7.4 5.5 5.5 9.4 9.3 4.9 6.5
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 9.5 5.8 6.3 5.4 6.2 9.2 7.4 7.1 11.0 10.9 6.1 7.4
Depreciation & Amortization - Supplemental 2.4 2.3 2.4 2.1 2.1 1.8 2.5 — 1.6 1.5 1.3 0.9
Depreciation Expense - Total - Supplemental 2.0 2.0 2.1 1.8 1.8 1.6 2.2 — 1.4 1.4 1.1 0.8
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.9 0.9 1.0 0.8 0.9 0.8 0.7 — 0.6 0.7 0.6 0.3
Amortization - Total - Supplemental 0.4 0.3 0.3 0.3 0.3 0.2 0.3 — 0.2 0.1 0.1 0.1
Depreciation, Depletion & Amortization - Total 2.4 2.3 2.5 2.1 2.1 1.9 1.8 1.7 1.6 1.5 1.3 0.9
Depreciation - Total 2.0 2.0 2.2 1.8 1.8 1.6 1.5 1.5 1.4 1.4 1.2 0.8
Amortization of Intangible Assets including Goodwill - Total — — — — — — — — — 0.1 — —
Amortization of Intangible Assets excluding Goodwill - Total 0.4 0.3 0.3 0.3 0.3 0.2 0.3 0.2 0.2 0.1 0.1 0.1
Labor & Related Expenses - Total — 7.5 — — 6.4 6.6 6.4 — 4.9 4.9 5.3 2.7
Labor & Related Expenses - Supplemental — 7.5 — — 6.4 6.6 6.4 — 4.9 4.9 5.3 2.7
Normalized after Tax Profit 3.5 1.1 1.3 0.8 2.2 3.1 0.6 3.0 5.5 4.2 (0.1) 5.3
Normalized Net Income from Continuing Operations 3.5 1.1 1.3 0.8 2.2 3.1 0.6 3.0 5.5 4.2 (0.1) 5.3
Normalized Net Income - Bottom Line 3.2 0.9 1.0 0.5 1.6 2.4 0.2 2.2 4.5 3.4 (0.9) 5.1
Earnings before Interest & Taxes (EBIT) - Normalized 7.2 3.4 3.9 3.3 4.4 7.5 6.0 5.9 9.4 9.3 4.8 6.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 9.6 5.7 6.4 5.4 6.5 9.3 7.8 7.6 11.0 10.9 6.0 7.5
Loan Losses - Actual 0.5 0.1 0.2 0.2 0.0 0.0 0.1 — 0.0 — 0.0 0.0
Interest Expense on Financial Lease Liabilities - Supplemental 0.3 0.3 0.4 0.3 0.3 0.4 0.3 — 0.2 0.3 0.1 0.7
Advertising Expenses - Supplemental — 0.5 — — 1.1 0.3 0.8 — 0.6 0.7 0.8 0.6
Interest Expense 18.4 17.5 17.4 19.5 21.5 24.3 32.6 38.7 37.5 38.9 35.5 25.0
Interest & Dividend Income after Loan Loss Provision - Net - Finance 19.5 16.0 15.8 14.4 13.9 16.6 17.3 15.6 17.9 16.3 16.3 7.4
Revenue after Loan Provisions - Net - Finance 37.9 33.5 33.3 33.9 35.4 41.0 49.9 54.3 55.5 55.3 51.7 32.3
Operating Expenses 14.6 15.5 17.7 16.8 17.2 14.5 17.5 16.5 12.1 12.3 19.8 5.0
Foreign Exchange Gain/(Loss) 1.2 0.8 0.6 1.3 0.5 0.9 0.5 0.5 1.9 1.7 2.5 0.8
Selling, General & Administrative Expenses excluding Research & Development Expenses 16.8 16.1 17.5 16.6 15.0 14.1 14.3 13.5 11.9 11.3 12.4 7.1
Investment Gain/(Loss) 0.2 0.3 1.8 1.4 2.6 2.3 (0.1) 0.6 0.7 0.8 0.9 0.2
Non-Interest Expense - Bank 16.6 16.2 17.0 16.7 14.9 14.1 13.9 13.0 11.9 11.3 12.5 3.0
Income before Taxes & Provision for Loan Losses 5.1 2.8 4.6 3.4 6.4 7.8 9.1 9.0 9.7 10.4 12.1 8.5
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 3.2 0.9 1.2 0.6 1.6 2.4 0.2 2.2 4.5 3.4 2.7 5.2
Operating Expenses excluding Non-Cash Charges - Total 12.2 13.2 15.3 14.7 15.1 12.7 15.6 14.8 10.5 10.8 18.5 4.1
Revenue Net of Interest Expense Before Loan Loss Provision 21.7 19.0 21.5 20.1 21.3 21.9 23.0 22.0 21.5 21.7 24.7 11.5
Income from Earning Assets 37.2 33.7 36.1 36.0 41.0 44.3 52.8 58.4 58.2 58.9 58.8 35.2
Income Available to Common Shares before Depreciation & Amortization 5.7 3.2 3.7 2.6 3.7 4.3 2.0 3.8 6.1 4.9 4.0 6.0
Commissions and Fees 2.9 2.6 3.0 3.0 2.5 1.9 2.2 2.2 1.6 1.7 1.4 1.3
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.