SBL Samba Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 13.32 +0.23%
Quarterly · Q3 FY2021 – Q2 FY2026
Samba Bank Limited (SBL) quarterly income statement
Samba Bank Limited reported total income of Rs 2.3 bn for Q2 FY2026 (Apr – Jun 2026), up 25.9% on Q2 FY2025. Net interest income was Rs 1.9 bn, up 38.2% on Q2 FY2025, with non-interest income of Rs 393.0 mn. Tax of Rs 71.0 mn took 46.9% of pre-tax profit. Profit attributable to shareholders was Rs 80.3 mn, up 330.2% on Q2 FY2025, or Rs 0.08 per share.
| 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 | 23.4 | 6.7 | 5.3 | 5.5 | 5.8 | 5.3 | 5.5 | 6.6 | 7.3 | 7.4 | 7.6 | 7.5 | 7.4 | 7.5 | 6.4 | 6.8 | 6.2 | 5.2 | 4.5 | 4.0 | 3.6 |
| Interest expense | (17.5) | (4.8) | (4.0) | (4.2) | (4.4) | (3.9) | (4.0) | (4.8) | (5.6) | (5.3) | (5.7) | (5.1) | (5.2) | (5.5) | (4.8) | (5.2) | (5.1) | (4.1) | (3.4) | (2.8) | (2.5) |
| Net interest income | 5.9 | 1.9 | 1.3 | 1.3 | 1.4 | 1.4 | 1.6 | 1.8 | 1.7 | 2.1 | 1.9 | 2.4 | 2.2 | 2.0 | 1.6 | 1.6 | 1.1 | 1.0 | 1.1 | 1.2 | 1.1 |
| Fee & commission income (net) | 0.5 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Foreign exchange income | 0.6 | 0.0 | 0.2 | 0.3 | 0.2 | 0.1 | 0.2 | 0.1 | 0.2 | 0.4 | 0.2 | 0.2 | 0.2 | 0.3 | 0.4 | 0.1 | 0.3 | 0.4 | 0.2 | 0.1 | 0.1 |
| Gain / (loss) on securities | — | — | 0.1 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Total non-interest income | 2.0 | 0.4 | 0.4 | 0.7 | 0.5 | 0.4 | 0.4 | 0.3 | 0.4 | 0.6 | 0.3 | 0.3 | 0.4 | 0.3 | 0.1 | (0.9) | 0.4 | 0.4 | 0.3 | 0.3 | 0.3 |
| Total income | 7.9 | 2.3 | 1.7 | 2.0 | 1.9 | 1.8 | 1.9 | 2.1 | 2.1 | 2.6 | 2.2 | 2.7 | 2.6 | 2.3 | 1.6 | 0.7 | 1.5 | 1.4 | 1.4 | 1.4 | 1.5 |
| Operating expenses | (5.2) | (1.2) | (1.2) | (1.5) | (1.3) | (1.8) | (1.6) | (1.7) | (1.9) | (2.0) | (1.5) | (2.5) | (1.8) | (1.6) | (1.1) | (2.2) | (1.5) | (1.2) | (1.0) | (0.9) | (0.9) |
| Provisions & impairment (loans) | — | — | — | (0.1) | (0.1) | 0.6 | 0.2 | 1.8 | — | — | 0.1 | 1.1 | 0.6 | 0.5 | 0.1 | — | — | — | — | (0.0) | 0.0 |
| Profit before tax | 1.7 | 0.2 | 0.4 | 0.5 | 0.6 | 0.0 | 0.4 | 0.0 | 0.2 | 0.6 | 0.7 | 0.3 | 0.7 | 0.7 | 0.5 | (1.6) | 0.0 | 0.2 | 0.4 | 0.5 | 0.6 |
| Taxation | (0.9) | (0.1) | (0.2) | (0.3) | (0.3) | (0.0) | (0.2) | (0.1) | (0.1) | (0.3) | (0.3) | (0.2) | (0.3) | (0.2) | (0.2) | 0.8 | 0.0 | (0.1) | (0.2) | (0.2) | (0.2) |
| Profit after tax | 0.8 | 0.1 | 0.2 | 0.3 | 0.3 | 0.0 | 0.2 | (0.1) | 0.1 | 0.3 | 0.4 | 0.2 | 0.4 | 0.4 | 0.3 | (0.8) | 0.0 | 0.1 | 0.2 | 0.3 | 0.4 |
| Profit attributable to shareholders | — | — | 0.2 | 0.3 | 0.3 | 0.0 | 0.2 | (0.1) | 0.1 | 0.3 | 0.4 | 0.2 | 0.4 | 0.4 | 0.3 | (0.8) | 0.0 | 0.1 | 0.2 | 0.3 | 0.4 |
| Per share | |||||||||||||||||||||
| EPS – basic (Rs) Rs | 0.80 | 0.08 | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 | 0.42 | 0.28 | (0.79) | 0.03 | 0.09 | 0.24 | 0.32 | 0.35 |
| EPS – diluted (Rs) Rs | — | — | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 | 0.42 | 0.28 | (0.79) | 0.03 | 0.09 | 0.24 | 0.32 | 0.35 |
| 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 | 0.60 | 0.00 |
| Weighted average shares mn | — | — | 1,008.2 | 1,017.6 | 1,024.6 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,057.6 | 1,008.2 | 982.3 | 1,018.7 |
| 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 | +27.9% | -3.8% | -15.8% | -19.9% | -28.4% | -26.9% | -12.7% | -2.0% | -1.4% | +19.5% | +11.0% | +19.9% | +44.5% | +42.4% | +70.5% | +69.8% | +53.4% | +45.8% | +41.2% | +24.0% |
| Interest expense | +24.2% | +1.8% | -12.3% | -20.0% | -26.9% | -30.6% | -5.9% | +6.1% | -2.8% | +19.5% | -1.7% | +2.7% | +31.5% | +42.8% | +84.6% | +102.7% | +85.2% | +59.8% | +46.3% | +18.9% |
| Net interest income | +38.2% | -18.1% | -25.5% | -19.5% | -32.3% | -15.7% | -27.2% | -21.5% | +2.3% | +19.7% | +53.3% | +100.6% | +96.8% | +41.2% | +36.0% | -3.7% | -9.4% | +15.3% | +30.2% | +37.1% |
| Fee & commission income (net) | +31.2% | +19.0% | +37.1% | +9.9% | +7.5% | -5.3% | +20.5% | -5.4% | -9.3% | -15.9% | -27.2% | +17.3% | -16.5% | +2.1% | +7.9% | -30.1% | -6.6% | -13.1% | +6.9% | +47.6% |
| Foreign exchange income | -70.1% | -32.6% | +126.7% | -29.5% | -74.1% | +6.8% | -28.3% | -8.3% | +34.8% | -45.6% | +26.6% | -15.5% | -24.9% | +113.9% | -4.6% | +291.5% | +505.8% | +69.9% | +67.1% | -25.9% |
| Gain / (loss) on securities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Total non-interest income | -12.4% | +5.0% | +114.0% | +25.9% | -19.5% | +19.2% | -0.8% | +4.7% | +69.3% | +256.5% | — | +1.8% | -9.7% | -72.2% | -438.5% | +15.5% | -18.0% | -8.2% | +64.3% | +14.4% |
| Total income | +25.9% | -13.7% | -4.4% | -10.7% | -29.6% | -10.8% | -24.1% | -17.5% | +11.7% | +32.0% | +294.0% | +74.6% | +68.9% | +16.5% | -51.2% | +0.7% | -11.8% | +9.2% | +35.3% | +31.1% |
| Operating expenses | -34.1% | -21.8% | -13.6% | -33.6% | -9.2% | +7.6% | -31.1% | +7.6% | +23.1% | +28.3% | +9.6% | +22.0% | +38.8% | +13.3% | +150.2% | +65.7% | +42.6% | -47.7% | -4.0% | +2.3% |
| Provisions & impairment (loans) | — | — | -106.2% | — | — | +69.6% | +60.2% | — | — | +165.0% | — | — | — | — | — | — | — | — | -108.6% | -79.1% |
| Profit before tax | +202.7% | +13.6% | +1,098.2% | +206.5% | -91.7% | -49.4% | -87.0% | -71.0% | -7.9% | +39.8% | — | +5,967.1% | +213.1% | +23.9% | -410.3% | -98.1% | -72.3% | — | +200.1% | +84.0% |
| Taxation | +126.7% | +11.5% | +147.3% | +237.8% | -89.5% | -45.1% | -32.8% | -71.3% | +31.2% | +54.3% | — | — | +99.9% | +37.9% | -499.3% | -107.6% | -61.6% | — | +143.9% | +123.8% |
| Profit after tax | +330.2% | +15.9% | — | +176.7% | -93.9% | -53.5% | -138.4% | -70.7% | -28.6% | +28.2% | — | +1,074.4% | +347.9% | +14.6% | -356.3% | -91.5% | -79.2% | — | +248.9% | +64.0% |
| Profit attributable to shareholders | — | +15.9% | — | +176.7% | -93.9% | -53.5% | -138.4% | -70.7% | -28.6% | +28.2% | — | +1,074.4% | +347.9% | +14.6% | -356.3% | -91.5% | -79.2% | — | +248.9% | +64.0% |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +332.0% | +15.9% | — | +172.3% | -93.9% | -53.5% | -138.4% | -70.7% | -28.6% | +28.2% | — | +1,074.3% | +369.8% | +14.6% | -349.7% | -91.5% | -80.1% | — | +258.2% | +62.3% |
| EPS – diluted (Rs) | — | +15.9% | — | +172.3% | -93.9% | -53.5% | -138.4% | -70.7% | -28.6% | +28.2% | — | +1,074.3% | +369.8% | +14.6% | -349.7% | -91.5% | -80.1% | — | +258.2% | +62.3% |
| Dividend per share (Rs) | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -100.0% | — | — | — | -20.0% | — |
| Weighted average shares | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
| 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 | 289.9% | 318.8% | 280.2% | 307.6% | 285.4% | 286.0% | 318.3% | 343.0% | 280.6% | 349.0% | 276.7% | 288.9% | 318.0% | 385.4% | 981.8% | 420.7% | 371.9% | 315.3% | 281.2% | 249.4% |
| Interest expense | (206.8%) | (241.6%) | (214.1%) | (235.1%) | (209.7%) | (204.7%) | (233.4%) | (262.5%) | (201.8%) | (263.0%) | (188.3%) | (204.2%) | (232.1%) | (290.6%) | (754.6%) | (347.0%) | (298.1%) | (237.1%) | (199.6%) | (172.4%) |
| Net interest income | 83.1% | 77.2% | 66.2% | 72.6% | 75.7% | 81.2% | 84.9% | 80.5% | 78.8% | 86.0% | 88.4% | 84.7% | 86.0% | 94.8% | 227.3% | 73.7% | 73.8% | 78.2% | 81.6% | 77.1% |
| Fee & commission income (net) | 5.1% | 6.0% | 6.7% | 5.5% | 4.9% | 4.4% | 4.7% | 4.5% | 3.2% | 4.1% | 3.0% | 3.9% | 4.0% | 6.4% | 16.0% | 5.8% | 8.0% | 7.3% | 7.3% | 8.3% |
| Foreign exchange income | 1.5% | 9.3% | 13.9% | 8.3% | 6.3% | 11.9% | 5.8% | 10.6% | 17.1% | 10.0% | 6.2% | 9.5% | 14.2% | 24.2% | 19.3% | 19.7% | 31.8% | 13.2% | 9.9% | 5.1% |
| Gain / (loss) on securities | — | 7.5% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Total non-interest income | 16.9% | 22.8% | 33.8% | 27.4% | 24.3% | 18.8% | 15.1% | 19.5% | 21.2% | 14.0% | 11.6% | 15.3% | 14.0% | 5.2% | (127.3%) | 26.3% | 26.2% | 21.8% | 18.4% | 22.9% |
| 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 | (52.1%) | (74.1%) | (74.0%) | (67.2%) | (99.5%) | (81.7%) | (81.9%) | (90.4%) | (77.1%) | (67.7%) | (90.3%) | (69.4%) | (70.0%) | (69.7%) | (324.4%) | (99.2%) | (85.1%) | (71.6%) | (63.3%) | (60.3%) |
| Provisions & impairment (loans) | — | — | (5.6%) | (5.3%) | 33.4% | 11.9% | 85.1% | — | — | 6.3% | 40.3% | 22.5% | 20.7% | 3.1% | — | — | — | — | (0.8%) | 1.8% |
| Profit before tax | 6.5% | 24.1% | 26.9% | 32.8% | 2.7% | 18.3% | 2.1% | 9.6% | 22.9% | 32.3% | 12.5% | 27.2% | 27.8% | 30.5% | (224.3%) | 0.8% | 15.0% | 28.7% | 35.3% | 41.2% |
| Taxation | (3.1%) | (12.6%) | (14.0%) | (17.6%) | (1.7%) | (9.7%) | (5.4%) | (4.7%) | (11.3%) | (15.8%) | (6.1%) | (13.4%) | (9.6%) | (13.5%) | 109.0% | 1.3% | (8.1%) | (11.4%) | (13.3%) | (16.8%) |
| Profit after tax | 3.5% | 11.6% | 12.9% | 15.2% | 1.0% | 8.6% | (3.3%) | 4.9% | 11.6% | 16.5% | 6.4% | 13.8% | 18.1% | 17.0% | (115.3%) | 2.1% | 6.8% | 17.2% | 22.0% | 24.4% |
| Profit attributable to shareholders | — | 11.6% | 12.9% | 15.2% | 1.0% | 8.6% | (3.3%) | 4.9% | 11.6% | 16.5% | 6.4% | 13.8% | 18.1% | 17.0% | (115.3%) | 2.1% | 6.8% | 17.2% | 22.0% | 24.4% |
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. TTM = the latest four quarters added together. Updated 17 Oct 2026.
All reported line items 115
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 1,932.5 | 1,291.6 | 1,307.6 | 1,371.1 | 1,398.6 | 1,576.1 | 1,754.3 | 1,702.9 | 2,067.1 | 1,870.5 | 2,409.3 | 2,169.9 |
| Interest & Dividend Income - Finance - Total | 6,742.0 | 5,334.7 | 5,539.1 | 5,812.1 | 5,272.4 | 5,548.2 | 6,578.7 | 7,253.1 | 7,363.8 | 7,594.2 | 7,538.0 | 7,403.6 |
| Interest & Dividend Income - Other - Finance | 6,742.0 | 5,334.7 | 5,539.1 | 5,812.1 | 5,272.4 | 5,548.2 | 6,578.7 | 7,253.1 | 7,363.8 | 7,594.2 | 7,538.0 | 7,403.6 |
| Net Commission & Fees Income/Expense - Business Revenue | 118.8 | 100.4 | 133.4 | 103.8 | 90.5 | 84.4 | 97.3 | 94.4 | 84.3 | 89.1 | 80.7 | 99.8 |
| Fees & Commissions Income | 118.8 | 100.4 | 133.4 | 103.8 | 90.5 | 84.4 | 97.3 | 94.4 | 84.3 | 89.1 | 80.7 | 99.8 |
| Investments & Loans - Business - Gain/(Loss) | 239.5 | 125.5 | 261.5 | 256.7 | 241.9 | 48.0 | 94.5 | 93.5 | 24.7 | (0.5) | 65.7 | 49.5 |
| Interest Expense - Finance - Total | 4,809.5 | 4,043.1 | 4,231.4 | 4,441.1 | 3,873.8 | 3,972.1 | 4,824.3 | 5,550.3 | 5,296.7 | 5,723.6 | 5,128.7 | 5,233.6 |
| Interest Expense - Operational Financing - Business | 4,809.5 | 3,938.4 | 4,128.0 | 4,354.7 | 3,795.4 | 3,917.0 | 4,762.5 | 5,497.6 | 5,277.6 | 5,654.2 | 5,079.4 | 5,185.0 |
| Investment Securities - Business - Gain/(Loss) | — | 125.5 | — | — | — | — | — | — | — | — | — | — |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | — | 125.5 | — | — | — | — | — | — | — | — | — | — |
| Interest Expense - External Financing Business | — | 104.7 | 103.4 | 86.3 | 78.4 | 55.1 | 61.8 | 52.7 | 19.1 | 69.4 | 49.4 | 48.6 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 393.0 | 382.0 | 668.8 | 518.1 | 448.5 | 364.0 | 312.6 | 411.6 | 557.5 | 305.4 | 315.1 | 393.1 |
| Derivatives - Hedging - Business - Gain/(Loss) | 0.0 | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | — | 0.0 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 34.7 | 156.2 | 273.9 | 157.7 | 116.1 | 231.6 | 120.8 | 223.6 | 448.5 | 216.8 | 168.6 | 243.8 |
| Gain/(Loss) on Sale of Financial Instruments - Other | 239.5 | — | 261.5 | 256.7 | 241.9 | 48.0 | 94.5 | 93.5 | 24.7 | (0.5) | 65.7 | 49.5 |
| Revenue from Business Activities - Total | 2,325.5 | 1,673.6 | 1,976.5 | 1,889.2 | 1,847.1 | 1,940.1 | 2,066.9 | 2,114.4 | 2,624.6 | 2,176.0 | 2,724.3 | 2,563.1 |
| Selling, General & Administrative Expenses - Total | 1,335.0 | 1,362.4 | 1,618.7 | 1,364.1 | 1,192.5 | 1,346.7 | 1,480.4 | 1,292.2 | 1,237.0 | 1,341.3 | 1,370.6 | 1,199.7 |
| Selling, General & Administrative Expenses - Unclassified | 1,331.8 | 1,119.5 | 1,349.7 | 1,121.9 | 963.0 | 1,127.9 | 523.1 | 475.1 | 389.4 | 446.4 | 552.1 | 340.2 |
| Depreciation in Selling, General & Administrative Expenses | — | 197.0 | 219.3 | 165.4 | 170.7 | 162.4 | 147.9 | 129.4 | 108.7 | 146.4 | 135.3 | 179.1 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | — | 37.7 | 39.4 | 39.2 | 33.5 | 29.1 | 32.7 | 29.0 | 26.1 | 26.0 | 28.8 | 25.3 |
| Other Operating Expense/(Income) - Net | (122.8) | (122.5) | (46.4) | 4.6 | 28.6 | 7.7 | (1,546.6) | 620.1 | 786.2 | (3.9) | (10.0) | 1.3 |
| Other Operating Income - Total | 17.1 | 0.0 | 9.2 | 0.2 | 0.0 | — | 8.4 | 0.0 | 0.0 | 0.0 | 7.7 | 0.0 |
| Operating Expenses - Total | 1,212.1 | 1,239.9 | 1,462.4 | 1,269.6 | 1,838.1 | 1,585.2 | 1,693.2 | 1,912.3 | 2,023.3 | 1,473.5 | 2,459.1 | 1,777.9 |
| Provision & Impairment for Loan Losses | — | — | (109.8) | (99.2) | 616.9 | 230.8 | 1,759.3 | — | — | 136.1 | 1,098.4 | 576.8 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 3.2 | 8.2 | 10.3 | 22.5 | 14.6 | 20.7 | 768.0 | 643.4 | 699.7 | 692.5 | 632.2 | 649.2 |
| Selling, General & Administrative Expenses - Other - Total | — | — | — | 15.2 | 10.7 | 6.6 | 8.7 | 15.3 | 13.2 | 29.9 | 22.3 | 5.9 |
| Advertising Expense | — | — | — | 15.2 | 10.7 | 6.6 | 8.7 | 15.3 | 13.2 | 29.9 | 22.3 | 5.9 |
| Operating Profit before Non-Recurring Income/(Expense) | 1,113.3 | 433.7 | 514.1 | 619.7 | 9.1 | 354.9 | 373.7 | 202.2 | 601.3 | 702.5 | 265.2 | 785.2 |
| Other Operating Expense | 0.0 | — | — | — | 0.3 | — | — | — | 0.3 | — | 0.1 | — |
| Operating Provisions - Increase/(Decrease) | (105.7) | (122.5) | (37.2) | 4.8 | 28.3 | 7.7 | (1,538.2) | 620.1 | 785.9 | (3.9) | (2.5) | 1.4 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | — | 6.1 | 0.5 | 0.2 | 16.1 | 0.2 | 0.1 | 0.5 | 0.9 | 0.3 | 0.2 | 2.9 |
| Other Non-Operating Income/(Expense) - Total | — | — | 0.0 | — | — | — | (354.0) | — | — | — | — | — |
| Normalized Pre-tax Profit | — | 439.8 | 514.6 | 619.9 | 25.2 | 355.0 | 19.9 | 202.6 | 602.2 | 702.7 | 265.4 | 788.1 |
| Non-Recurring Income/Expense - Total | — | (36.4) | 16.2 | 0.0 | 24.8 | 0.2 | 24.4 | (0.4) | (0.9) | (0.9) | 75.6 | (90.9) |
| Impairment - Tangible & Intangible Fixed Assets | — | — | 1.5 | — | — | — | 0.0 | 0.0 | 0.9 | — | 0.0 | 0.0 |
| Impairment - Fixed Assets | — | — | 1.5 | — | — | — | 0.0 | 0.0 | 0.9 | — | 0.0 | 0.0 |
| Impairment - Financial Investments | — | — | 0.0 | 0.0 | 0.0 | (0.2) | (3.6) | 0.4 | (0.0) | 0.9 | (71.0) | 90.9 |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | — | — | 17.6 | 0.0 | 24.8 | — | 20.8 | — | — | — | 4.6 | — |
| Fair Value Adjustments - Financial Investments | — | (36.4) | — | — | — | — | — | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 71.0 | 210.1 | 275.9 | 333.0 | 31.3 | 188.4 | 111.6 | 98.6 | 297.1 | 343.2 | 166.0 | 343.0 |
| Income before Taxes | 151.3 | 403.4 | 530.7 | 619.9 | 50.0 | 355.2 | 44.3 | 202.2 | 601.3 | 701.8 | 341.1 | 697.2 |
| Income Taxes | 71.0 | 210.1 | 275.9 | 333.0 | 31.3 | 188.4 | 111.6 | 98.6 | 297.1 | 343.2 | 166.0 | 343.0 |
| Net Income after Tax | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Income before Discontinued Operations & Extraordinary Items | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Net Income before Minority Interest | — | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Net Income after Minority Interest | — | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Income Available to Common Shares | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| 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 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Income available to Common excluding Extraordinary Items | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Shares used to calculate Basic EPS - Total mn | — | 1,008.2 | 1,017.6 | 1,024.6 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 0.08 | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | — | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | — | 0.23 | 0.23 | 0.28 | (0.01) | 0.17 | (0.09) | 0.10 | 0.30 | 0.36 | 0.10 | 0.44 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| 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× |
| Shares used to calculate Basic EPS - Issue Specific mn | — | 1,008.2 | 1,017.6 | 1,024.6 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.08 | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | — | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | — | 0.23 | 0.23 | 0.28 | (0.01) | 0.17 | (0.09) | 0.10 | 0.30 | 0.36 | 0.10 | 0.44 |
| 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 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Diluted Income available to Common excluding Extraordinary Items | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Shares used to calculate Diluted EPS - Total mn | — | 1,008.2 | 1,017.6 | 1,024.6 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | — | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | — | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | — | 0.23 | 0.23 | 0.28 | (0.01) | 0.17 | (0.09) | 0.10 | 0.30 | 0.36 | 0.10 | 0.44 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 80.3 | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| 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× |
| Shares used to calculate Diluted EPS - Issue Specific mn | — | 1,008.2 | 1,017.6 | 1,024.6 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | — | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | — | 0.19 | 0.25 | 0.28 | 0.02 | 0.17 | (0.07) | 0.10 | 0.30 | 0.36 | 0.17 | 0.35 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | — | 0.23 | 0.23 | 0.28 | (0.01) | 0.17 | (0.09) | 0.10 | 0.30 | 0.36 | 0.10 | 0.44 |
| 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 |
| 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 |
| 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 |
| Earnings before Interest & Taxes (EBIT) | 1,113.3 | 433.7 | 514.1 | 619.7 | 9.1 | 354.9 | 373.7 | 202.2 | 601.3 | 702.5 | 265.2 | 785.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | — | 668.5 | 772.8 | 824.3 | 213.3 | 546.3 | 554.4 | 360.6 | 736.1 | 874.9 | 429.3 | 989.5 |
| Depreciation & Amortization - Supplemental | — | 234.7 | 258.7 | 204.6 | 204.2 | 191.5 | 180.7 | 158.4 | 134.7 | 172.5 | 164.0 | 204.4 |
| Depreciation Expense - Total - Supplemental | — | 197.0 | 219.3 | 165.4 | 170.7 | 162.4 | 147.9 | 129.4 | 108.7 | 146.4 | 135.3 | 179.1 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | — | 103.2 | 102.3 | 95.0 | 106.2 | 93.3 | 85.9 | 79.1 | 53.0 | 92.7 | 72.9 | 72.4 |
| Amortization - Total - Supplemental | — | 37.7 | 39.4 | 39.2 | 33.5 | 29.1 | 32.7 | 29.0 | 26.1 | 26.0 | 28.8 | 25.3 |
| Intangible Amortization - Other - Supplemental | — | 37.7 | 39.4 | 39.2 | 33.5 | 29.1 | 32.7 | 29.0 | 26.1 | 26.0 | 28.8 | 25.3 |
| Depreciation, Depletion & Amortization - Total | — | 234.7 | 258.7 | 204.6 | 204.2 | 191.5 | 180.7 | 158.4 | 134.7 | 172.5 | 164.0 | 204.4 |
| Depreciation - Total | — | 197.0 | 219.3 | 165.4 | 170.7 | 162.4 | 147.9 | 129.4 | 108.7 | 146.4 | 135.3 | 179.1 |
| Amortization of Intangible Assets excluding Goodwill - Total | — | 37.7 | 39.4 | 39.2 | 33.5 | 29.1 | 32.7 | 29.0 | 26.1 | 26.0 | 28.8 | 25.3 |
| Labor & Related Expenses - Total | — | — | — | — | — | — | 768.0 | 643.4 | 699.7 | 692.5 | 632.2 | 649.2 |
| Labor & Related Expenses - Supplemental | — | — | — | — | — | — | 768.0 | 643.4 | 699.7 | 692.5 | 632.2 | 649.2 |
| Normalized after Tax Profit | 80.3 | 229.7 | 238.7 | 286.9 | (6.1) | 166.7 | (91.7) | 104.1 | 305.1 | 359.6 | 99.4 | 445.1 |
| Normalized Net Income from Continuing Operations | 80.3 | 229.7 | 238.7 | 286.9 | (6.1) | 166.7 | (91.7) | 104.1 | 305.1 | 359.6 | 99.4 | 445.1 |
| Normalized Net Income - Bottom Line | 80.3 | 229.7 | 238.7 | 286.9 | (6.1) | 166.7 | (91.7) | 104.1 | 305.1 | 359.6 | 99.4 | 445.1 |
| Earnings before Interest & Taxes (EBIT) - Normalized | — | 439.8 | 514.6 | 619.9 | 25.2 | 355.0 | 19.9 | 202.6 | 602.2 | 702.7 | 265.4 | 788.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | — | 674.5 | 773.3 | 824.5 | 229.4 | 546.5 | 200.5 | 361.0 | 737.0 | 875.2 | 429.5 | 992.4 |
| Loan Losses - Actual | — | — | — | (0.3) | (3.0) | 0.1 | — | — | — | 0.3 | — | — |
| Interest Expense on Financial Lease Liabilities - Supplemental | — | 104.7 | 103.4 | 86.3 | 78.4 | 55.1 | 61.8 | 52.7 | 19.1 | 69.4 | 49.4 | 48.6 |
| Advertising Expenses - Supplemental | — | — | — | 15.2 | 10.7 | 6.6 | 8.7 | 15.3 | 13.2 | 29.9 | 22.3 | 5.9 |
| Interest Expense | 4,809.5 | 4,043.1 | 4,231.4 | 4,441.1 | 3,873.8 | 3,972.1 | 4,824.3 | 5,550.3 | 5,296.7 | 5,723.6 | 5,128.7 | 5,233.6 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | — | 1,291.6 | 1,417.5 | 1,470.3 | 781.8 | 1,345.3 | (5.0) | 1,702.9 | 2,067.1 | 1,734.4 | 1,310.8 | 1,593.1 |
| Revenue after Loan Provisions - Net - Finance | — | — | 5,648.9 | 5,911.3 | 4,655.5 | 5,317.4 | 4,819.3 | — | — | 7,458.1 | 6,439.5 | 6,826.7 |
| Operating Expenses | 1,212.1 | 1,239.9 | 1,462.4 | 1,269.6 | 1,838.1 | 1,585.2 | 1,693.2 | 1,912.3 | 2,023.3 | 1,473.5 | 2,459.1 | 1,777.9 |
| Foreign Exchange Gain/(Loss) | 34.7 | 156.2 | 273.9 | 157.7 | 116.1 | 231.6 | 120.8 | 223.6 | 448.5 | 216.8 | 168.6 | 243.8 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 1,335.0 | 1,362.4 | 1,618.7 | 1,364.1 | 1,192.5 | 1,346.7 | 1,480.4 | 1,292.2 | 1,237.0 | 1,341.3 | 1,370.6 | 1,199.7 |
| Investment Gain/(Loss) | 8.4 | 159.9 | 19.7 | 9.2 | 12.3 | 19.0 | 28.5 | 14.9 | 11.1 | 14.6 | 33.6 | 10.3 |
| Non-Interest Expense - Bank | — | — | 1,555.6 | 1,368.5 | 1,180.3 | 1,354.0 | 263.3 | — | — | 1,338.0 | 1,284.8 | 1,289.0 |
| Income before Taxes & Provision for Loan Losses | 151.3 | 403.4 | 420.9 | 520.7 | 666.9 | 586.0 | 1,803.6 | 202.2 | 601.3 | 837.9 | 1,439.5 | 1,274.1 |
| 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 | 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 |
| Tax Adjusted Operating Income | — | 193.3 | 254.8 | 286.9 | 18.7 | 166.8 | (67.3) | 103.7 | 304.2 | 358.7 | 175.0 | 354.2 |
| Operating Expenses excluding Non-Cash Charges - Total | — | 1,005.2 | 1,203.7 | 1,065.0 | 1,633.9 | 1,393.7 | 1,512.6 | 1,753.9 | 1,888.5 | 1,301.0 | 2,295.1 | 1,573.5 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 2,325.5 | 1,673.6 | 1,976.5 | 1,889.2 | 1,847.1 | 1,940.1 | 2,066.9 | 2,114.4 | 2,624.6 | 2,176.0 | 2,724.3 | 2,563.1 |
| Income from Earning Assets | 6,776.7 | 5,616.3 | 5,813.0 | 5,969.8 | 5,388.5 | 5,779.8 | 6,699.5 | 7,476.8 | 7,812.3 | 7,810.9 | 7,706.6 | 7,647.3 |
| Income Available to Common Shares before Depreciation & Amortization | — | 428.0 | 513.5 | 491.5 | 222.9 | 358.3 | 113.4 | 262.1 | 439.0 | 531.1 | 339.1 | 558.6 |
| Commissions and Fees | 118.8 | 100.4 | 133.4 | 103.8 | 90.5 | 84.4 | 97.3 | 94.4 | 84.3 | 89.1 | 80.7 | 99.8 |
| 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 |
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.