MEBL Meezan Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 545.82 -0.48%
Annual · FY2006 – FY2025
Meezan Bank Limited (MEBL) income statement
Meezan Bank Limited reported total income of Rs 288.0 bn for FY2025 (Jan – Dec 2025), down 9.4% on FY2024. Net interest income was Rs 252.8 bn, down 12.1% on FY2024, with non-interest income of Rs 35.1 bn. Tax of Rs 108.1 bn took 54.0% of pre-tax profit. Profit attributable to shareholders was Rs 90.7 bn, down 11.7% on FY2024, or Rs 50.47 per share.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 420.9 | 494.9 | 432.5 | 232.9 | 110.6 | 106.8 | 94.6 | 48.9 | 36.4 | 31.1 | 33.3 | 29.1 | 23.5 | 22.3 | 19.0 | 12.5 | 10.2 | 6.9 | 4.7 | 2.8 |
| Interest expense | (168.0) | (207.3) | (205.3) | (110.4) | (41.2) | (41.8) | (47.7) | (20.5) | (15.3) | (12.9) | (14.9) | (15.4) | (12.5) | (11.4) | (8.7) | (7.2) | (5.4) | (3.3) | (2.7) | (1.7) |
| Net interest income | 252.8 | 287.7 | 227.1 | 122.4 | 69.4 | 65.1 | 46.8 | 28.4 | 21.1 | 18.2 | 18.4 | 13.6 | 11.0 | 10.9 | 10.3 | 5.3 | 4.8 | 3.7 | 2.0 | 1.1 |
| Fee & commission income (net) | 27.8 | 25.1 | 18.9 | 14.1 | 10.9 | 6.8 | 7.0 | 6.2 | 5.5 | 3.5 | 2.9 | 1.6 | 1.3 | 1.0 | 0.8 | 0.9 | 0.7 | 0.7 | 0.6 | 0.4 |
| Foreign exchange income | 5.5 | 0.8 | 3.1 | 3.6 | 3.2 | 2.2 | 2.7 | 1.3 | 1.1 | 1.2 | 1.5 | 1.6 | 0.6 | 0.3 | 0.6 | 1.4 | 0.8 | 0.3 | 0.4 | 0.2 |
| Gain / (loss) on securities | 1.0 | 3.5 | (0.7) | (0.1) | — | — | — | — | — | — | — | — | — | — | — | — | 0.0 | 0.4 | 0.0 | — |
| Total non-interest income | 35.1 | 30.2 | 22.2 | 18.2 | 14.6 | 10.2 | 9.7 | 7.7 | 7.7 | 5.9 | 4.9 | 4.4 | 3.1 | 1.8 | 1.5 | 2.4 | 1.6 | 1.4 | 1.5 | 0.7 |
| Total income | 288.0 | 317.9 | 249.3 | 140.7 | 84.0 | 75.3 | 56.5 | 36.1 | 28.8 | 24.1 | 23.3 | 18.1 | 14.1 | 12.8 | 11.9 | 7.7 | 6.4 | 5.1 | 3.5 | 1.8 |
| Operating expenses | (91.7) | (95.1) | (79.9) | (51.2) | (36.1) | (38.1) | (28.8) | (20.4) | (17.4) | (14.9) | (14.6) | (11.3) | (8.5) | (7.5) | (7.5) | (6.1) | (5.0) | (3.1) | (2.3) | (1.2) |
| Provisions & impairment (loans) | 3.8 | 8.9 | 7.5 | 3.2 | 1.0 | 8.3 | 3.1 | 0.9 | 0.7 | (0.1) | 0.4 | 0.5 | 0.1 | 0.4 | 1.5 | 1.4 | 1.4 | 0.4 | 0.4 | 0.1 |
| Profit before tax | 200.3 | 226.3 | 172.1 | 88.8 | 48.0 | 37.8 | 27.0 | 15.2 | 9.9 | 10.5 | 8.9 | 6.9 | 5.6 | 5.2 | 4.4 | 2.4 | 2.5 | 0.5 | 1.5 | 0.9 |
| Taxation | (108.1) | (122.6) | (86.0) | (43.7) | (19.5) | (15.1) | (11.2) | (6.0) | (4.2) | (3.9) | (3.9) | (2.3) | (1.7) | (1.7) | (1.0) | (0.7) | (0.9) | (0.4) | (0.4) | (0.2) |
| Profit after tax | 92.2 | 103.7 | 86.0 | 45.1 | 28.5 | 22.7 | 15.8 | 9.1 | 5.8 | 6.6 | 5.1 | 4.6 | 4.0 | 3.5 | 3.4 | 1.7 | 1.7 | 0.2 | 1.1 | 0.7 |
| Profit attributable to shareholders | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 | 4.9 | 4.6 | 4.0 | 3.5 | 3.4 | 1.6 | 1.6 | 0.2 | 1.0 | 0.7 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 50.47 | 57.28 | 47.72 | 25.11 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 | 2.82 | 2.65 | 2.30 | 2.04 | 1.97 | 0.95 | 1.07 | 0.17 | 0.74 | 0.46 |
| EPS – diluted (Rs) Rs | 50.15 | 56.96 | 47.66 | 25.10 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 | 2.82 | 2.65 | 2.30 | 2.04 | 1.97 | 1.06 | 1.07 | 0.17 | 0.74 | 0.46 |
| Dividend per share (Rs) Rs | 28.00 | 28.00 | 20.00 | 8.18 | 5.10 | 4.74 | 3.53 | 2.20 | 1.76 | 1.75 | 1.75 | 1.60 | 1.16 | 0.79 | 0.47 | 0.00 | 0.00 | 0.03 | 0.00 | 0.00 |
| Weighted average shares mn | 1,797.4 | 1,792.9 | 1,790.4 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,827.2 | 1,723.7 | 1,723.7 | 1,723.7 | 1,723.7 | 1,723.7 | 1,723.7 | 1,723.7 | 1,479.2 | 1,256.6 | 1,420.4 | 1,420.4 |
| 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 | -15.0% | +14.4% | +85.7% | +110.5% | +3.5% | +13.0% | +93.5% | +34.3% | +17.0% | -6.6% | +14.5% | +23.9% | +5.2% | +17.6% | +52.1% | +22.4% | +47.1% | +47.9% | +68.9% | — |
| Interest expense | -18.9% | +0.9% | +85.9% | +168.2% | -1.4% | -12.5% | +133.4% | +33.9% | +18.6% | -13.6% | -3.5% | +23.3% | +10.0% | +31.4% | +20.9% | +33.6% | +63.5% | +21.9% | +58.2% | — |
| Net interest income | -12.1% | +26.7% | +85.5% | +76.3% | +6.7% | +39.0% | +64.7% | +34.6% | +15.8% | -0.9% | +34.8% | +24.6% | +0.2% | +6.1% | +94.2% | +9.8% | +32.3% | +82.9% | +85.8% | — |
| Fee & commission income (net) | +10.7% | +32.7% | +34.2% | +29.7% | +60.0% | -2.8% | +13.0% | +12.6% | +56.0% | +21.7% | +84.2% | +24.7% | +29.8% | +28.1% | -14.8% | +18.8% | +5.9% | +27.5% | +40.2% | — |
| Foreign exchange income | +561.2% | -73.2% | -14.4% | +14.5% | +46.6% | -19.8% | +103.6% | +15.7% | -5.6% | -17.9% | -9.5% | +169.6% | +74.0% | -39.4% | -58.6% | +83.4% | +147.1% | -22.3% | +94.7% | — |
| Gain / (loss) on securities | -72.3% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -100.0% | — | — | — |
| Total non-interest income | +16.2% | +36.5% | +21.4% | +25.4% | +42.2% | +6.0% | +25.8% | -0.6% | +31.9% | +18.8% | +11.7% | +40.1% | +72.9% | +17.6% | -35.7% | +53.6% | +11.0% | -7.0% | +109.3% | — |
| Total income | -9.4% | +27.5% | +77.2% | +67.5% | +11.5% | +33.4% | +56.4% | +25.2% | +19.7% | +3.3% | +29.2% | +28.1% | +10.6% | +7.6% | +53.7% | +20.5% | +26.4% | +44.1% | +95.3% | — |
| Operating expenses | -3.6% | +19.0% | +56.0% | +41.9% | -5.4% | +32.4% | +41.2% | +17.0% | +17.3% | +2.0% | +29.2% | +32.4% | +14.1% | -0.9% | +22.8% | +22.0% | +60.7% | +37.2% | +93.1% | — |
| Provisions & impairment (loans) | -58.0% | +18.4% | +132.5% | +226.7% | -88.1% | +172.6% | +248.8% | +21.7% | — | -128.2% | -21.9% | +331.4% | -68.8% | -72.4% | +7.1% | -4.4% | +233.9% | -1.5% | +257.8% | — |
| Profit before tax | -11.5% | +31.5% | +93.8% | +85.1% | +27.0% | +40.1% | +77.7% | +52.8% | -5.6% | +17.8% | +29.4% | +22.2% | +8.0% | +20.1% | +78.3% | -3.3% | +383.0% | -65.3% | +63.8% | — |
| Taxation | -11.8% | +42.4% | +97.1% | +124.3% | +28.8% | +35.0% | +85.2% | +45.6% | +6.1% | +1.5% | +65.7% | +37.8% | -1.9% | +78.5% | +32.5% | -14.5% | +131.7% | -4.7% | +73.1% | — |
| Profit after tax | -11.1% | +20.6% | +90.6% | +58.3% | +25.7% | +43.7% | +72.8% | +58.0% | -12.5% | +30.3% | +10.9% | +15.5% | +12.8% | +3.4% | +97.7% | +2.3% | +974.5% | -86.1% | +60.9% | — |
| Profit attributable to shareholders | -11.7% | +20.2% | +90.1% | +59.2% | +26.0% | +43.7% | +74.0% | +59.4% | -9.1% | +27.3% | +6.3% | +15.5% | +12.8% | +3.4% | +106.6% | +4.1% | +640.5% | -79.7% | +61.0% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -11.9% | +20.0% | +90.0% | +59.2% | +26.0% | +43.7% | +74.0% | +62.8% | -14.3% | +27.3% | +6.3% | +15.5% | +12.8% | +3.4% | +106.6% | -10.7% | +529.1% | -77.0% | +61.0% | — |
| EPS – diluted (Rs) | -11.9% | +19.5% | +89.9% | +59.1% | +26.0% | +43.7% | +74.0% | +62.8% | -14.3% | +27.3% | +6.3% | +15.5% | +12.8% | +3.4% | +85.8% | -0.7% | +529.1% | -77.0% | +61.0% | — |
| Dividend per share (Rs) | 0.0% | +40.0% | +144.4% | +60.5% | +7.5% | +34.4% | +60.5% | +24.8% | +0.9% | 0.0% | +9.1% | +37.5% | +48.0% | +68.8% | — | — | -100.0% | — | — | — |
| Weighted average shares | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 146.1% | 155.7% | 173.5% | 165.5% | 131.7% | 141.9% | 167.4% | 135.4% | 126.1% | 129.1% | 142.7% | 161.0% | 166.5% | 175.0% | 160.0% | 161.7% | 159.3% | 136.9% | 133.4% | 154.2% |
| Interest expense | (58.3%) | (65.2%) | (82.4%) | (78.5%) | (49.0%) | (55.5%) | (84.5%) | (56.7%) | (52.9%) | (53.4%) | (63.8%) | (85.5%) | (88.8%) | (89.3%) | (73.1%) | (92.9%) | (83.8%) | (64.8%) | (76.5%) | (94.5%) |
| Net interest income | 87.8% | 90.5% | 91.1% | 87.0% | 82.7% | 86.4% | 82.9% | 78.7% | 73.2% | 75.7% | 78.9% | 75.6% | 77.7% | 85.7% | 86.9% | 68.8% | 75.5% | 72.1% | 56.8% | 59.7% |
| Fee & commission income (net) | 9.6% | 7.9% | 7.6% | 10.0% | 12.9% | 9.0% | 12.4% | 17.1% | 19.0% | 14.6% | 12.4% | 8.7% | 8.9% | 7.6% | 6.4% | 11.5% | 11.7% | 13.9% | 15.8% | 22.0% |
| Foreign exchange income | 1.9% | 0.3% | 1.2% | 2.6% | 3.8% | 2.9% | 4.8% | 3.7% | 4.0% | 5.0% | 6.3% | 9.0% | 4.3% | 2.7% | 4.8% | 17.9% | 11.8% | 6.0% | 11.2% | 11.2% |
| Gain / (loss) on securities | 0.3% | 1.1% | (0.3%) | (0.1%) | — | — | — | — | — | — | — | — | — | — | — | — | 0.0% | 7.2% | 0.0% | — |
| Total non-interest income | 12.2% | 9.5% | 8.9% | 13.0% | 17.3% | 13.6% | 17.1% | 21.3% | 26.8% | 24.3% | 21.1% | 24.4% | 22.3% | 14.3% | 13.1% | 31.2% | 24.5% | 27.9% | 43.2% | 40.3% |
| 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 | (31.8%) | (29.9%) | (32.1%) | (36.4%) | (42.9%) | (50.7%) | (51.0%) | (56.5%) | (60.4%) | (61.7%) | (62.5%) | (62.5%) | (60.4%) | (58.6%) | (63.5%) | (79.5%) | (78.6%) | (61.8%) | (64.9%) | (65.6%) |
| Provisions & impairment (loans) | 1.3% | 2.8% | 3.0% | 2.3% | 1.2% | 11.1% | 5.4% | 2.4% | 2.5% | (0.5%) | 1.8% | 3.0% | 0.9% | 3.2% | 12.4% | 17.7% | 22.4% | 8.5% | 12.4% | 6.8% |
| Profit before tax | 69.6% | 71.2% | 69.0% | 63.1% | 57.1% | 50.2% | 47.8% | 42.1% | 34.4% | 43.6% | 38.3% | 38.2% | 40.0% | 41.0% | 36.7% | 31.7% | 39.5% | 10.3% | 43.0% | 51.2% |
| Taxation | (37.5%) | (38.6%) | (34.5%) | (31.0%) | (23.2%) | (20.1%) | (19.8%) | (16.7%) | (14.4%) | (16.2%) | (16.5%) | (12.9%) | (12.0%) | (13.5%) | (8.1%) | (9.4%) | (13.3%) | (7.3%) | (11.0%) | (12.4%) |
| Profit after tax | 32.0% | 32.6% | 34.5% | 32.1% | 33.9% | 30.1% | 27.9% | 25.3% | 20.0% | 27.4% | 21.7% | 25.3% | 28.1% | 27.5% | 28.6% | 22.2% | 26.2% | 3.1% | 32.0% | 38.8% |
| Profit attributable to shareholders | 31.5% | 32.3% | 34.3% | 31.9% | 33.6% | 29.7% | 27.6% | 24.8% | 19.5% | 25.7% | 20.8% | 25.3% | 28.1% | 27.5% | 28.6% | 21.3% | 24.6% | 4.2% | 29.8% | 36.2% |
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 156
| 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 | 252.8 | 287.7 | 227.1 | 122.4 | 69.4 | 65.1 | 46.8 | 28.4 | 21.1 | 18.2 |
| Interest & Dividend Income - Finance - Total | 420.9 | 494.9 | 432.5 | 232.9 | 110.6 | 106.8 | 94.6 | 48.9 | 36.4 | 31.1 |
| Interest Income - Loans/Deposits | 153.0 | 191.3 | 173.5 | 98.9 | — | 77.5 | 72.1 | 41.7 | 30.1 | 21.3 |
| Interest & Fees on Loans & Receivables | 148.9 | 186.4 | 169.4 | 89.7 | — | 48.1 | 54.7 | 30.2 | 21.5 | 14.9 |
| Interest Income - Deposits to Other Financial Institutions | 4.1 | 4.9 | 4.1 | 9.2 | — | 29.4 | 17.3 | 11.5 | 8.6 | 6.4 |
| Interest & Dividend Income - Other - Finance | 0.4 | 0.6 | 0.6 | 0.6 | 110.6 | 0.2 | 0.3 | 0.2 | 0.3 | 0.3 |
| Interest & Dividend Income - Investment Securities - Finance | 267.5 | 303.0 | 258.3 | 133.3 | — | 29.1 | 22.2 | 6.9 | 6.0 | 9.5 |
| Net Commission & Fees Income/Expense - Business Revenue | 27.8 | 25.1 | 18.9 | 14.1 | 10.9 | 6.8 | 7.0 | 6.2 | 5.5 | 3.5 |
| Fees & Commissions Income | 29.8 | 25.8 | 19.6 | 14.7 | 10.9 | 7.2 | 7.4 | 6.8 | 6.0 | 3.8 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 267.5 | 303.0 | 258.2 | 133.3 | — | 29.1 | 22.2 | 6.9 | 6.0 | 9.5 |
| Fees & Commissions Expense | 2.0 | 0.8 | 0.7 | 0.6 | — | 0.4 | 0.5 | 0.6 | 0.5 | 0.3 |
| Interest & Dividend Income - Trading Account Assets - Finance | — | — | 0.1 | 0.0 | — | — | — | 0.0 | 0.0 | 0.0 |
| Investments & Loans - Business - Gain/(Loss) | 1.9 | 4.3 | 0.2 | 0.5 | 0.5 | 1.3 | (0.0) | 0.2 | 1.1 | 1.1 |
| Interest Expense - Finance - Total | 168.0 | 207.3 | 205.3 | 110.4 | 41.2 | 41.8 | 47.7 | 20.5 | 15.3 | 12.9 |
| Interest Expense - Operational Financing - Business | 126.1 | 169.8 | 133.2 | 70.9 | 41.2 | 38.7 | 45.0 | 20.5 | 15.3 | 12.9 |
| Interest Expense - Deposits | 108.9 | 144.8 | 110.6 | 59.6 | — | 37.2 | 43.7 | 19.0 | 13.4 | 11.9 |
| Investment Securities - Business - Gain/(Loss) | 1.0 | 3.5 | (0.7) | (0.1) | — | — | — | — | — | — |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 1.0 | 3.5 | (0.7) | (0.1) | — | — | — | — | — | — |
| Interest Expenses - Other - Total | 17.2 | 25.0 | 22.6 | 11.3 | — | 1.4 | 1.2 | 1.4 | 1.9 | 1.0 |
| Interest Expense - External Financing Business | 41.9 | 37.5 | 72.2 | 39.5 | — | 3.1 | 2.8 | 0.0 | — | — |
| Non-Interest Business Revenue/(Expense) - Net - Total | 35.1 | 30.2 | 22.2 | 18.2 | 14.6 | 10.2 | 9.7 | 7.7 | 7.7 | 5.9 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 5.5 | 0.8 | 3.1 | 3.6 | 3.2 | 2.2 | 2.7 | 1.3 | 1.1 | 1.2 |
| Gain/(Loss) on Sale of Financial Instruments - Other | — | — | — | — | 0.5 | 0.8 | (0.4) | (0.0) | 0.9 | 1.0 |
| Settlement of Loans - Gain/(Loss) | 0.9 | 0.8 | 0.8 | 0.6 | — | 0.5 | 0.4 | 0.2 | 0.2 | 0.1 |
| Revenue from Business Activities - Total | 288.0 | 317.9 | 249.3 | 140.7 | 84.0 | 75.3 | 56.5 | 36.1 | 28.8 | 24.1 |
| Selling, General & Administrative Expenses - Total | 87.8 | 85.7 | 71.7 | 48.1 | 1.0 | 29.6 | 25.9 | 19.5 | 16.9 | 15.2 |
| Selling, General & Administrative Expenses - Unclassified | 25.5 | 19.4 | 17.6 | 10.5 | — | 5.2 | 5.3 | 2.7 | 3.2 | 2.9 |
| Depreciation in Selling, General & Administrative Expenses | 10.3 | 11.5 | 6.1 | 6.3 | — | 4.7 | 4.0 | 1.6 | 1.5 | 1.4 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.8 | 0.7 | 0.6 | 0.5 | — | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 |
| Equipment/Occupancy Expense - Bank/Financial - Other | 2.2 | 0.9 | 0.6 | 0.5 | — | 1.8 | 1.6 | 0.8 | 0.5 | 0.5 |
| Other Operating Expense/(Income) - Net | 0.1 | 0.5 | 0.7 | (0.2) | 34.1 | 0.2 | (0.2) | 0.1 | (0.2) | (0.2) |
| Other Operating Income - Total | 0.1 | 0.0 | 0.0 | 0.4 | 0.8 | 0.0 | 0.3 | 0.0 | 0.2 | 0.2 |
| Operating Expenses - Total | 91.7 | 95.1 | 79.9 | 51.2 | 36.1 | 38.1 | 28.8 | 20.4 | 17.4 | 14.9 |
| Provision & Impairment for Loan Losses | 3.8 | 8.9 | 7.5 | 3.2 | 1.0 | 8.3 | 3.1 | 0.9 | 0.7 | (0.1) |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 46.1 | 51.0 | 45.3 | 29.3 | 1.0 | 17.1 | 14.1 | 11.0 | 8.6 | 7.5 |
| Selling, General & Administrative Expenses - Other - Total | 5.1 | 3.1 | 2.2 | 1.5 | — | 2.4 | 2.3 | 3.9 | 3.4 | 3.2 |
| Advertising Expense | 2.7 | 1.7 | 1.4 | 1.0 | — | 0.6 | 0.6 | 0.4 | 0.2 | 0.3 |
| Rental Expense | 0.2 | 0.5 | 0.2 | 0.1 | — | 0.1 | 0.2 | 2.8 | 2.6 | 2.4 |
| Operating Profit before Non-Recurring Income/(Expense) | 196.3 | 222.9 | 169.4 | 89.5 | 47.9 | 37.2 | 27.7 | 15.7 | 11.4 | 9.2 |
| Other Operating Expense | 0.1 | 0.4 | 0.3 | 0.1 | 35.0 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 |
| Operating Provisions - Increase/(Decrease) | 0.2 | 0.1 | 0.4 | 0.1 | — | (0.0) | 0.0 | (0.0) | 0.0 | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.6 | 0.4 | 0.5 | 0.2 | — | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 3.4 | 3.5 | 1.7 | (0.1) | 0.1 | 0.4 | 0.3 | (0.3) | (1.0) | 1.2 |
| Normalized Pre-tax Profit | 200.3 | 226.7 | 171.5 | 89.6 | 48.0 | 37.7 | 28.1 | 15.5 | 10.5 | 10.5 |
| Non-Recurring Income/Expense - Total | 0.0 | (0.4) | 0.6 | (0.8) | 0.0 | 0.1 | (1.1) | (0.3) | (0.6) | 0.1 |
| Impairment - Financial Investments | (0.0) | 0.2 | (0.6) | 0.8 | — | (0.1) | 1.1 | 0.3 | 0.6 | (0.1) |
| Fair Value Adjustments - Financial Investments | 0.0 | (0.2) | (0.0) | 0.0 | — | — | — | 0.0 | (0.0) | 0.0 |
| Non-Recurring Income/(Expense) - Other - Total | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Provision for Income Tax Expense- Unclassified | — | — | — | — | 19.5 | — | — | — | — | — |
| Income before Taxes | 200.3 | 226.3 | 172.1 | 88.8 | 48.0 | 37.8 | 27.0 | 15.2 | 9.9 | 10.5 |
| Income Taxes | 108.1 | 122.6 | 86.0 | 43.7 | 19.5 | 15.1 | 11.2 | 6.0 | 4.2 | 3.9 |
| Income Taxes for the Year - Current | 108.6 | 125.4 | 85.8 | 45.4 | — | 16.2 | 12.4 | 6.8 | 4.6 | 3.6 |
| Income Taxes - Domestic - Current | — | — | — | — | — | — | — | — | — | 3.3 |
| Income Taxes - Other (KFAS/NLST) - Current | — | — | — | — | — | — | — | — | — | 0.3 |
| Income Taxes - Deferred | (3.5) | (2.9) | (1.7) | (1.4) | — | (1.1) | (1.2) | (0.7) | (0.8) | 0.4 |
| Income Taxes - Domestic - Deferred | — | — | — | — | — | — | — | — | — | 0.4 |
| Income Taxes - Other (by Type) | 3.1 | (0.0) | 2.0 | (0.4) | — | — | — | 0.0 | 0.4 | — |
| Net Income after Tax | 92.2 | 103.7 | 86.0 | 45.1 | 28.5 | 22.7 | 15.8 | 9.1 | 5.8 | 6.6 |
| Income before Discontinued Operations & Extraordinary Items | 92.2 | 103.7 | 86.0 | 45.1 | 28.5 | 22.7 | 15.8 | 9.1 | 5.8 | 6.6 |
| Net Income before Minority Interest | 92.2 | 103.7 | 86.0 | 45.1 | 28.5 | 22.7 | 15.8 | 9.1 | 5.8 | 6.6 |
| Minority Interest | 1.5 | 1.0 | 0.6 | 0.2 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.4 |
| Net Income after Minority Interest | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| Income Available to Common Shares | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| Other Comprehensive Income - Starting Line | 92.2 | 103.7 | 86.0 | 45.1 | 28.5 | 22.7 | 15.8 | 9.1 | — | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | (7.5) | 0.6 | 11.6 | (4.7) | (1.5) | (3.8) | 9.5 | — | — | — |
| Other Comprehensive Income - Other | — | 10.1 | (0.0) | (0.0) | 0.0 | 0.0 | (0.0) | — | — | — |
| Other Comprehensive Income - Associated Companies | — | — | — | — | — | — | 0.0 | — | — | — |
| Other Comprehensive Income - Pension Related | (0.1) | (0.2) | (0.1) | (0.1) | (0.1) | 0.0 | 0.1 | (0.9) | — | — |
| Other Comprehensive Income - Net of Tax - Total | (7.6) | 10.5 | 11.5 | (4.8) | (1.6) | (3.8) | 9.5 | (0.9) | — | — |
| Comprehensive Income before Minority Interest - Total | 84.6 | 114.2 | 97.5 | 40.3 | 26.9 | 18.9 | 25.3 | 8.3 | — | — |
| Comprehensive Income - Attributable to Minority Interest - Total | 1.5 | 1.0 | 0.6 | 0.2 | 0.3 | 0.3 | 0.2 | 0.2 | — | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 83.1 | 113.2 | 96.9 | 40.1 | 26.7 | 18.6 | 25.1 | 8.1 | — | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 28.00 | 28.00 | 20.00 | 8.18 | 5.10 | 4.74 | 3.53 | 2.20 | 1.76 | 1.75 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| Income available to Common excluding Extraordinary Items | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| Shares used to calculate Basic EPS - Total mn | 1,797.4 | 1,792.9 | 1,790.4 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,827.2 | 1,723.7 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 50.47 | 57.28 | 47.72 | 25.11 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 50.47 | 57.28 | 47.72 | 25.11 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 50.45 | 57.50 | 47.40 | 25.56 | 15.77 | 12.45 | 9.32 | 5.18 | 3.40 | 3.55 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| 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× |
| Shares used to calculate Basic EPS - Issue Specific mn | 1,797.4 | 1,792.9 | 1,790.4 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,827.2 | 1,723.7 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 50.47 | 57.28 | 47.72 | 25.11 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 50.47 | 57.28 | 47.72 | 25.11 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 50.45 | 57.50 | 47.40 | 25.56 | 15.77 | 12.45 | 9.32 | 5.18 | 3.40 | 3.55 |
| 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 | 46.25 | 63.13 | 54.11 | 22.41 | 14.90 | 10.39 | 14.04 | 4.52 | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| Diluted Income available to Common excluding Extraordinary Items | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| Shares used to calculate Diluted EPS - Total mn | 1,808.9 | 1,803.0 | 1,792.4 | 1,790.4 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,827.2 | 1,723.7 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 50.15 | 56.96 | 47.66 | 25.10 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 50.15 | 56.96 | 47.66 | 25.10 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 50.13 | 57.18 | 47.34 | 25.55 | 15.77 | 12.45 | 9.32 | 5.18 | 3.40 | 3.55 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| 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× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 1,808.9 | 1,803.0 | 1,792.4 | 1,790.4 | 1,789.6 | 1,789.6 | 1,789.6 | 1,789.6 | 1,827.2 | 1,723.7 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 50.15 | 56.96 | 47.66 | 25.10 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 50.15 | 56.96 | 47.66 | 25.10 | 15.77 | 12.51 | 8.71 | 5.01 | 3.07 | 3.59 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 50.13 | 57.18 | 47.34 | 25.55 | 15.77 | 12.45 | 9.32 | 5.18 | 3.40 | 3.55 |
| 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 | 45.95 | 62.77 | 54.05 | 22.40 | 14.90 | 10.39 | 14.04 | 4.52 | — | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 28.00 | 29.00 | 15.00 | 6.55 | 5.32 | 4.60 | 3.40 | 1.63 | 1.75 | 1.75 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 25.20 | 26.10 | 13.50 | 5.89 | 4.78 | 4.14 | 3.06 | 1.47 | 1.57 | 1.57 |
| Earnings before Interest & Taxes (EBIT) | 196.3 | 222.9 | 169.4 | 89.5 | 47.9 | 37.2 | 27.7 | 15.7 | 11.4 | 9.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 211.7 | 236.2 | 176.0 | 96.3 | 50.8 | 42.1 | 31.9 | 17.5 | 13.1 | 10.8 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 211.9 | 236.7 | 176.2 | 96.3 | — | 42.2 | 32.1 | 20.3 | 15.7 | 13.3 |
| Depreciation & Amortization - Supplemental | 11.1 | 12.2 | 6.7 | 6.8 | — | 4.9 | 4.2 | 1.8 | 1.7 | 1.6 |
| Depreciation Expense - Total - Supplemental | 10.3 | 11.5 | 6.1 | 6.3 | — | 4.7 | 4.0 | 1.6 | 1.5 | 1.4 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 3.0 | 2.7 | 2.8 | 3.1 | — | 2.5 | 2.2 | — | — | — |
| Amortization - Total - Supplemental | 0.8 | 0.7 | 0.6 | 0.5 | — | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 |
| Intangible Amortization - Other - Supplemental | 0.8 | 0.7 | 0.6 | 0.5 | — | 0.2 | 0.3 | — | — | — |
| Amortization of Computer Software - Supplemental | 0.8 | 0.7 | 0.6 | 0.5 | — | 0.2 | 0.3 | — | — | — |
| Depreciation, Depletion & Amortization - Total | 15.4 | 13.3 | 6.7 | 6.8 | 2.8 | 4.9 | 4.2 | 1.8 | 1.7 | 1.6 |
| Depreciation - Total | 14.5 | 12.6 | 6.1 | 6.3 | 2.5 | 4.7 | 4.0 | 1.6 | 1.5 | 1.4 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — | — | — | — | 0.2 | 0.2 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.8 | 0.7 | 0.6 | 0.5 | 0.4 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 |
| Labor & Related Expenses - Total | 46.8 | 51.6 | 45.7 | 29.6 | — | 17.1 | 14.1 | 11.0 | 8.6 | 7.5 |
| Labor & Related Expenses - Supplemental | 46.1 | 51.0 | 45.3 | 29.3 | — | 17.1 | 14.1 | 11.0 | 8.6 | 7.5 |
| Stock-Based Compensation Expense - Net of Tax - Supplemental | 0.5 | 0.4 | 0.3 | 0.2 | 0.1 | — | — | — | — | — |
| Stock-Based Compensation Expense - Pre-tax - Supplemental | 0.7 | 0.6 | 0.4 | 0.3 | 0.1 | — | — | — | — | — |
| Stock-Based Compensation - Tax Benefit - Supplemental | 0.2 | 0.2 | 0.1 | 0.1 | 0.0 | — | — | — | — | — |
| Auditor Fees | 0.1 | 0.1 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Audit-Related Fees | 0.0 | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Tax Fees | 0.0 | 0.0 | 0.0 | — | — | — | — | 0.0 | 0.0 | 0.0 |
| Fees - Other | 0.0 | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized after Tax Profit | 92.1 | 104.1 | 85.5 | 45.9 | 28.5 | 22.6 | 16.9 | 9.4 | 6.4 | 6.5 |
| Normalized Net Income from Continuing Operations | 92.1 | 104.1 | 85.5 | 45.9 | 28.5 | 22.6 | 16.9 | 9.4 | 6.4 | 6.5 |
| Normalized Net Income - Bottom Line | 90.7 | 103.1 | 84.9 | 45.7 | 28.2 | 22.3 | 16.7 | 9.3 | 6.2 | 6.1 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 200.3 | 226.7 | 171.5 | 89.6 | 48.0 | 37.7 | 28.1 | 15.5 | 10.5 | 10.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 215.6 | 240.0 | 178.1 | 96.4 | 50.8 | 42.6 | 32.3 | 17.3 | 12.2 | 12.1 |
| Loan Losses - Net | 0.0 | 0.2 | 0.0 | 0.1 | — | 2.0 | 0.0 | 0.0 | 0.7 | (0.1) |
| Loan Recoveries - Actual | 0.0 | 0.0 | 0.1 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.3 | 0.5 |
| Loan Losses - Actual | — | 0.2 | 0.0 | 0.1 | — | 2.0 | 0.0 | 0.0 | 1.0 | 0.4 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 4.2 | 3.9 | 2.1 | 1.5 | — | 1.0 | 1.0 | — | — | — |
| Rental/Operating Lease Expense | 0.2 | 0.5 | 0.2 | 0.1 | — | 0.1 | 0.2 | 2.8 | 2.6 | 2.4 |
| Advertising Expenses - Supplemental | 2.7 | 1.7 | 1.4 | 1.0 | — | 0.6 | 0.6 | 0.4 | 0.2 | 0.3 |
| Interest Expense | 168.0 | 207.3 | 205.3 | 110.4 | 41.2 | 41.8 | 47.7 | 20.5 | 15.3 | 12.9 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 249.1 | 278.7 | 219.6 | 119.2 | 68.5 | 56.7 | 43.8 | 27.5 | 20.4 | 18.4 |
| Commissions & Fees from Securities Activities | — | — | — | — | — | 1.4 | 1.4 | — | — | — |
| Revenue after Loan Provisions - Net - Finance | 417.1 | 486.0 | 424.9 | 229.6 | 109.6 | 98.5 | 91.5 | 48.0 | 35.7 | 31.2 |
| Operating Expenses | 91.7 | 95.1 | 79.9 | 51.2 | 36.1 | 38.1 | 28.8 | 20.4 | 17.4 | 14.9 |
| Foreign Exchange Gain/(Loss) | 5.5 | 0.8 | 3.1 | 3.6 | 3.2 | 2.2 | 2.7 | 1.3 | 1.1 | 1.2 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 87.8 | 85.7 | 71.7 | 48.1 | 1.0 | 29.6 | 25.9 | 19.5 | 16.9 | 15.2 |
| Investment Gain/(Loss) | 1.4 | 4.1 | (0.1) | 0.5 | 0.5 | 0.2 | 0.3 | 0.2 | 0.3 | 0.3 |
| Non-Interest Expense - Bank | 83.9 | 82.7 | 69.7 | 48.6 | 35.0 | 29.2 | 26.4 | 20.0 | 18.2 | 13.7 |
| Income before Taxes & Provision for Loan Losses | 204.0 | 235.2 | 179.6 | 92.0 | 49.0 | 46.1 | 30.0 | 16.1 | 10.7 | 10.4 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 28.00 | 29.00 | 15.00 | 6.55 | 5.32 | 4.60 | 3.40 | 1.63 | 1.75 | 1.75 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 28.00 | 29.00 | 15.00 | 6.55 | 5.32 | 4.60 | 3.40 | 1.63 | 1.75 | 1.75 |
| Tax Adjusted Operating Income | 90.7 | 102.7 | 85.4 | 44.9 | 28.2 | 22.4 | 15.6 | 9.0 | 5.6 | 6.2 |
| Operating Expenses excluding Non-Cash Charges - Total | 76.3 | 81.7 | 73.3 | 44.4 | 33.2 | 33.2 | 24.6 | 18.6 | 15.7 | 13.3 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 288.0 | 317.9 | 249.3 | 140.7 | 84.0 | 75.3 | 56.5 | 36.1 | 28.8 | 24.1 |
| Income from Earning Assets | 427.3 | 499.3 | 434.9 | 236.4 | 113.8 | 109.0 | 97.2 | 50.2 | 37.5 | 32.3 |
| Income Available to Common Shares before Depreciation & Amortization | 106.1 | 116.0 | 92.1 | 51.7 | 31.1 | 27.3 | 19.8 | 10.8 | 7.3 | 7.8 |
| Commissions and Fees | 27.8 | 25.1 | 18.9 | 14.1 | 10.9 | 6.8 | 7.0 | 6.2 | 5.5 | 3.5 |
| 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 | 28.00 | 29.00 | 15.00 | 6.55 | 5.32 | 4.60 | 3.40 | 1.63 | 1.75 | 1.75 |
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.