Last close · 16 Oct 2026
Rs 59.91 -0.15%
Annual · FY2006 – FY2025
Standard Chartered Bank (Pak) Ltd (SCBPL) income statement
Standard Chartered Bank (Pak) Ltd reported total income of Rs 79.4 bn for FY2025 (Jan – Dec 2025), down 31.7% on FY2024. Net interest income was Rs 61.6 bn, down 34.2% on FY2024, with non-interest income of Rs 17.8 bn. Tax of Rs 29.7 bn took 50.8% of pre-tax profit. Profit attributable to shareholders was Rs 28.8 bn, down 37.5% on FY2024, or Rs 7.43 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 | 89.0 | 159.2 | 151.9 | 90.5 | 46.9 | 52.2 | 52.2 | 31.2 | 26.8 | 28.4 | 33.0 | 35.3 | 31.5 | 32.2 | 32.8 | 28.6 | 27.2 | 23.7 | 23.0 | 14.9 |
| Interest expense | (27.3) | (65.6) | (57.7) | (45.8) | (20.6) | (24.1) | (24.5) | (12.4) | (9.5) | (9.0) | (10.6) | (13.9) | (12.7) | (12.3) | (11.9) | (11.3) | (20.5) | (13.2) | (12.2) | (4.5) |
| Net interest income | 61.6 | 93.6 | 94.2 | 44.6 | 26.3 | 28.1 | 27.8 | 18.8 | 17.3 | 19.4 | 22.3 | 21.4 | 18.8 | 19.9 | 20.9 | 17.2 | 6.7 | 10.5 | 10.8 | 10.4 |
| Fee & commission income (net) | 7.4 | 7.0 | 5.6 | 3.0 | 3.2 | 4.1 | 4.0 | 4.2 | 4.4 | 3.3 | 3.7 | 3.3 | 3.1 | 3.5 | 3.2 | 3.5 | 3.9 | 3.8 | 4.0 | 2.5 |
| Foreign exchange income | 8.9 | 9.9 | 5.7 | 9.5 | 4.6 | 4.0 | 4.2 | 5.5 | 2.3 | 1.7 | 2.1 | 2.9 | 2.4 | 1.6 | 2.4 | 1.7 | 2.0 | 2.1 | 1.1 | 0.7 |
| Gain / (loss) on securities | 1.0 | 4.6 | (1.0) | 2.3 | 2.1 | 3.4 | 1.8 | 1.3 | 0.9 | 1.6 | 1.0 | 0.8 | 0.7 | 1.2 | 0.9 | 0.9 | 0.6 | (0.3) | 0.1 | 0.1 |
| Total non-interest income | 17.8 | 22.7 | 13.1 | 17.9 | 10.9 | 12.6 | 11.2 | 9.6 | 8.2 | 6.9 | 7.0 | 6.7 | 5.4 | 7.0 | 6.0 | 5.8 | 6.5 | 5.5 | 5.2 | 3.3 |
| Total income | 79.4 | 116.3 | 107.3 | 62.6 | 37.2 | 40.8 | 39.0 | 28.4 | 25.4 | 26.2 | 29.3 | 28.1 | 24.2 | 26.9 | 26.9 | 23.1 | 13.2 | 16.0 | 15.9 | 13.7 |
| Operating expenses | (22.0) | (17.6) | (18.2) | (12.5) | (12.6) | (17.3) | (11.8) | (10.1) | (11.9) | (11.1) | (14.0) | (13.0) | (7.9) | (17.6) | (18.2) | (18.6) | (22.6) | (21.8) | (18.1) | (7.3) |
| Provisions & impairment (loans) | (1.8) | (4.9) | (0.2) | (1.3) | 0.5 | 4.9 | (0.1) | (1.2) | 0.2 | (1.1) | 1.6 | 0.4 | (1.2) | 3.6 | 4.5 | 4.4 | 9.4 | 9.4 | 6.1 | 1.6 |
| Profit before tax | 58.5 | 100.6 | 89.2 | 50.1 | 24.8 | 23.6 | 27.2 | 18.4 | 13.5 | 15.3 | 15.4 | 15.4 | 16.4 | 9.3 | 8.6 | 5.8 | 1.5 | 1.1 | 4.1 | 7.3 |
| Taxation | (29.7) | (54.6) | (46.6) | (30.3) | (11.0) | (10.5) | (11.2) | (7.2) | (5.2) | (5.7) | (6.1) | (5.6) | (5.7) | (3.3) | (3.0) | (2.0) | (0.6) | (0.4) | (1.3) | (1.6) |
| Profit after tax | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 | 9.3 | 9.8 | 10.7 | 6.0 | 5.6 | 3.7 | 0.9 | 0.7 | 2.8 | 5.7 |
| Profit attributable to shareholders | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 | 9.3 | 9.7 | 10.6 | 5.9 | 5.5 | 3.7 | 0.8 | 0.6 | 2.8 | 5.7 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 | 2.40 | 2.45 | 2.73 | 1.54 | 1.41 | 0.95 | 0.21 | 0.16 | 0.72 | 3.06 |
| EPS – diluted (Rs) Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 | 2.40 | 2.45 | 2.73 | 1.54 | 1.41 | 0.95 | 0.21 | 0.16 | 0.72 | 3.06 |
| Dividend per share (Rs) Rs | 6.50 | 9.00 | 9.00 | 4.00 | 3.00 | 2.75 | 3.00 | 2.25 | 1.75 | 2.00 | 2.00 | 2.25 | 2.40 | 2.00 | 1.00 | 0.60 | 0.00 | 0.00 | 0.00 | 0.00 |
| Weighted average shares mn | 3,871.6 | 3,871.2 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,941.7 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 1,863.8 |
| 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 | -44.1% | +4.8% | +67.9% | +93.0% | -10.2% | -0.0% | +67.4% | +16.4% | -5.6% | -13.8% | -6.6% | +12.0% | -2.2% | -1.9% | +14.9% | +4.9% | +15.1% | +3.1% | +54.1% | — |
| Interest expense | -58.3% | +13.7% | +25.9% | +122.6% | -14.5% | -1.5% | +97.6% | +30.0% | +5.7% | -15.2% | -23.4% | +9.4% | +2.8% | +3.6% | +5.1% | -44.9% | +56.0% | +8.0% | +170.0% | — |
| Net interest income | -34.2% | -0.6% | +111.1% | +69.8% | -6.6% | +1.3% | +47.6% | +9.0% | -10.9% | -13.2% | +4.3% | +13.8% | -5.4% | -5.0% | +21.3% | +157.3% | -36.2% | -2.5% | +3.7% | — |
| Fee & commission income (net) | +4.7% | +26.6% | +83.6% | -4.3% | -23.2% | +2.2% | -3.7% | -5.7% | +32.3% | -9.3% | +10.5% | +8.6% | -13.2% | +12.5% | -9.6% | -11.6% | +4.6% | -4.6% | +57.8% | — |
| Foreign exchange income | -10.5% | +73.7% | -40.1% | +107.4% | +15.9% | -5.5% | -23.4% | +138.3% | +32.7% | -15.9% | -29.1% | +22.0% | +48.1% | -33.0% | +38.6% | -13.4% | -4.8% | +88.3% | +59.7% | — |
| Gain / (loss) on securities | -78.8% | — | -144.0% | +10.3% | -39.2% | +87.9% | +40.7% | +43.2% | -42.4% | +52.1% | +30.5% | +5.1% | -37.3% | +26.0% | +6.2% | +37.7% | — | -503.0% | -39.7% | — |
| Total non-interest income | -21.4% | +72.9% | -26.8% | +64.4% | -13.6% | +12.8% | +16.6% | +17.8% | +19.0% | -2.2% | +4.6% | +23.4% | -22.9% | +17.6% | +2.8% | -10.9% | +18.0% | +7.4% | +54.1% | — |
| Total income | -31.7% | +8.3% | +71.6% | +68.2% | -8.8% | +4.6% | +37.1% | +11.8% | -3.1% | -10.5% | +4.4% | +15.9% | -10.0% | +0.1% | +16.6% | +74.3% | -17.5% | +0.7% | +16.0% | — |
| Operating expenses | +25.3% | -3.5% | +45.6% | -0.7% | -27.2% | +47.0% | +17.1% | -15.7% | +7.1% | -20.2% | +7.0% | +65.2% | -55.1% | -3.5% | -2.3% | -17.6% | +3.9% | +20.1% | +148.8% | — |
| Provisions & impairment (loans) | — | — | — | -384.8% | -90.5% | — | — | -643.4% | — | -173.5% | +278.8% | — | -134.0% | -20.6% | +3.4% | -53.9% | +0.9% | +53.7% | +273.5% | — |
| Profit before tax | -41.9% | +12.8% | +78.0% | +102.4% | +4.8% | -13.2% | +47.4% | +37.1% | -12.3% | -0.3% | +0.1% | -6.1% | +75.6% | +8.6% | +49.1% | +279.9% | +32.7% | -72.2% | -43.8% | — |
| Taxation | -45.5% | +17.1% | +53.9% | +174.4% | +5.3% | -6.2% | +55.1% | +38.4% | -9.1% | -6.1% | +9.8% | -2.0% | +73.0% | +8.0% | +50.4% | +213.5% | +53.6% | -66.9% | -21.3% | — |
| Profit after tax | -37.5% | +8.1% | +114.8% | +44.6% | +4.5% | -18.0% | +42.5% | +36.3% | -14.3% | +3.5% | -5.4% | -8.3% | +77.0% | +8.9% | +48.4% | +328.8% | +20.6% | -74.5% | -50.2% | — |
| Profit attributable to shareholders | -37.5% | +8.1% | +114.8% | +44.6% | +4.5% | -18.0% | +42.5% | +36.3% | -14.3% | +3.5% | -3.8% | -8.6% | +77.6% | +8.7% | +49.3% | +349.9% | +35.2% | -78.4% | -51.2% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -37.5% | +8.1% | +114.8% | +44.6% | +4.5% | -18.0% | +42.5% | +36.3% | -14.3% | +3.5% | -2.0% | -10.2% | +77.6% | +8.7% | +49.3% | +349.9% | +35.2% | -78.4% | -76.5% | — |
| EPS – diluted (Rs) | -37.5% | +8.1% | +114.8% | +44.6% | +4.5% | -18.0% | +42.5% | +36.3% | -14.3% | +3.5% | -2.0% | -10.2% | +77.6% | +8.7% | +49.3% | +349.9% | +35.2% | -78.4% | -76.5% | — |
| Dividend per share (Rs) | -27.8% | 0.0% | +125.0% | +33.3% | +9.1% | -8.3% | +33.3% | +28.6% | -12.5% | 0.0% | -11.1% | -6.3% | +20.0% | +100.0% | +66.7% | — | — | — | — | — |
| 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 | 112.0% | 136.9% | 141.5% | 144.6% | 126.0% | 128.1% | 134.0% | 109.8% | 105.4% | 108.2% | 112.3% | 125.5% | 129.9% | 119.7% | 122.0% | 123.8% | 205.8% | 147.5% | 144.2% | 108.5% |
| Interest expense | (34.4%) | (56.4%) | (53.8%) | (73.3%) | (55.3%) | (59.1%) | (62.7%) | (43.5%) | (37.4%) | (34.3%) | (36.2%) | (49.4%) | (52.3%) | (45.8%) | (44.3%) | (49.1%) | (155.2%) | (82.1%) | (76.5%) | (32.9%) |
| Net interest income | 77.6% | 80.5% | 87.8% | 71.3% | 70.7% | 69.0% | 71.3% | 66.2% | 67.9% | 73.9% | 76.1% | 76.2% | 77.6% | 73.8% | 77.7% | 74.7% | 50.6% | 65.5% | 67.6% | 75.6% |
| Fee & commission income (net) | 9.3% | 6.0% | 5.2% | 4.8% | 8.5% | 10.1% | 10.3% | 14.7% | 17.4% | 12.8% | 12.6% | 11.9% | 12.7% | 13.2% | 11.7% | 15.1% | 29.8% | 23.5% | 24.8% | 18.2% |
| Foreign exchange income | 11.2% | 8.5% | 5.3% | 15.2% | 12.4% | 9.7% | 10.8% | 19.3% | 9.0% | 6.6% | 7.0% | 10.4% | 9.8% | 6.0% | 8.9% | 7.5% | 15.1% | 13.1% | 7.0% | 5.1% |
| Gain / (loss) on securities | 1.2% | 4.0% | (0.9%) | 3.6% | 5.5% | 8.3% | 4.6% | 4.5% | 3.5% | 5.9% | 3.5% | 2.8% | 3.1% | 4.4% | 3.5% | 3.8% | 4.9% | (2.1%) | 0.5% | 1.0% |
| Total non-interest income | 22.4% | 19.5% | 12.2% | 28.7% | 29.3% | 31.0% | 28.7% | 33.8% | 32.1% | 26.1% | 23.9% | 23.8% | 22.4% | 26.2% | 22.3% | 25.3% | 49.4% | 34.5% | 32.4% | 24.4% |
| 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 | (27.8%) | (15.1%) | (17.0%) | (20.0%) | (33.9%) | (42.5%) | (30.2%) | (35.4%) | (46.9%) | (42.4%) | (47.6%) | (46.4%) | (32.6%) | (65.3%) | (67.7%) | (80.8%) | (171.0%) | (135.7%) | (113.9%) | (53.1%) |
| Provisions & impairment (loans) | (2.3%) | (4.2%) | (0.2%) | (2.1%) | 1.3% | 12.1% | (0.3%) | (4.3%) | 0.9% | (4.3%) | 5.3% | 1.5% | (5.0%) | 13.3% | 16.8% | 18.9% | 71.4% | 58.4% | 38.3% | 11.9% |
| Profit before tax | 73.6% | 86.5% | 83.1% | 80.1% | 66.6% | 57.9% | 69.8% | 64.9% | 52.9% | 58.5% | 52.5% | 54.7% | 67.5% | 34.6% | 31.9% | 25.0% | 11.4% | 7.1% | 25.7% | 53.2% |
| Taxation | (37.4%) | (46.9%) | (43.4%) | (48.4%) | (29.7%) | (25.7%) | (28.7%) | (25.3%) | (20.5%) | (21.8%) | (20.8%) | (19.8%) | (23.4%) | (12.2%) | (11.3%) | (8.7%) | (4.9%) | (2.6%) | (7.9%) | (11.7%) |
| Profit after tax | 36.2% | 39.6% | 39.7% | 31.7% | 36.9% | 32.2% | 41.1% | 39.5% | 32.4% | 36.7% | 31.7% | 34.9% | 44.1% | 22.5% | 20.6% | 16.2% | 6.6% | 4.5% | 17.8% | 41.5% |
| Profit attributable to shareholders | 36.2% | 39.6% | 39.7% | 31.7% | 36.9% | 32.2% | 41.1% | 39.5% | 32.4% | 36.7% | 31.7% | 34.3% | 43.6% | 22.1% | 20.3% | 15.9% | 6.2% | 3.8% | 17.5% | 41.6% |
Each line as a percentage of total income.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 15 Oct 2026.
All reported line items 143
| 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 | 61.6 | 93.6 | 94.2 | 44.6 | 26.3 | 28.1 | 27.8 | 18.8 | 17.3 | 19.4 |
| Interest & Dividend Income - Finance - Total | 89.0 | 159.2 | 151.9 | 90.5 | 46.9 | 52.2 | 52.2 | 31.2 | 26.8 | 28.4 |
| Interest Income - Loans/Deposits | 31.2 | 64.5 | 58.1 | 32.9 | 19.5 | 23.4 | 25.0 | 13.1 | 10.3 | 10.2 |
| Interest & Fees on Loans & Receivables | 28.4 | 45.0 | 48.1 | 30.7 | 19.1 | 22.4 | 23.1 | 12.3 | 10.2 | 9.7 |
| Interest Income - Deposits to Other Financial Institutions | 0.9 | 1.1 | 0.9 | 0.2 | 0.0 | 0.0 | 0.2 | 0.1 | 0.0 | — |
| Interest & Dividend Income - Other - Finance | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Interest Income - Collateralized Financing | 1.9 | 18.4 | 9.1 | 2.0 | 0.4 | 1.0 | 1.7 | 0.7 | 0.2 | 0.5 |
| Interest & Dividend Income - Investment Securities - Finance | 57.6 | 94.6 | 93.8 | 57.5 | 27.3 | 28.8 | 27.3 | 18.1 | 16.5 | 18.2 |
| Net Commission & Fees Income/Expense - Business Revenue | 7.4 | 7.0 | 5.6 | 3.0 | 3.2 | 4.1 | 4.0 | 4.2 | 4.4 | 3.3 |
| Fees & Commissions Income | 7.4 | 7.0 | 5.6 | 3.0 | 3.2 | 4.1 | 4.0 | 4.2 | 4.4 | 3.3 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 57.6 | 94.6 | 93.8 | 57.5 | 27.3 | 28.8 | 27.3 | 18.1 | 16.5 | 18.2 |
| Investments & Loans - Business - Gain/(Loss) | 1.6 | 5.7 | 1.9 | 5.4 | 3.1 | 4.5 | 3.0 | (0.1) | 1.4 | 1.8 |
| Interest Expense - Finance - Total | 27.3 | 65.6 | 57.7 | 45.8 | 20.6 | 24.1 | 24.5 | 12.4 | 9.5 | 9.0 |
| Interest Expense - Operational Financing - Business | 25.8 | 62.2 | 54.1 | 44.6 | 19.9 | 23.3 | 23.8 | 11.9 | 9.0 | 8.5 |
| Interest Expense - Deposits | 24.0 | 61.0 | 52.1 | 40.6 | 18.0 | 20.5 | 20.7 | 10.7 | 8.7 | 8.2 |
| Investment Securities - Business - Gain/(Loss) | 1.0 | 4.6 | (1.0) | 2.3 | 2.1 | 3.4 | 1.8 | 1.3 | 0.9 | 1.6 |
| Interest Expense - Collateralized Financing | 0.7 | 0.2 | 0.7 | 1.3 | 0.5 | 0.7 | 0.7 | 0.4 | 0.3 | 0.3 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 2.2 | 4.4 | (1.0) | 2.4 | 1.8 | 3.3 | 1.5 | 1.3 | 0.9 | 1.5 |
| Interest Expenses - Other - Total | 1.1 | 1.0 | 1.3 | 2.6 | 1.4 | 2.1 | 2.4 | 0.8 | — | — |
| Interest Expense - External Financing Business | 1.5 | 3.4 | 3.5 | 1.2 | 0.7 | 0.8 | 0.7 | 0.5 | 0.5 | 0.5 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 17.8 | 22.7 | 13.1 | 17.9 | 10.9 | 12.6 | 11.2 | 9.6 | 8.2 | 6.9 |
| Derivatives - Hedging - Business - Gain/(Loss) | 0.6 | 1.1 | 2.8 | 3.1 | 1.1 | 1.2 | 1.2 | (1.3) | 0.5 | 0.2 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 8.9 | 9.9 | 5.7 | 9.5 | 4.6 | 4.0 | 4.2 | 5.5 | 2.3 | 1.7 |
| Trading Investments/Trading Account Income - Gain/(Loss) | (1.2) | 0.2 | 0.0 | (0.1) | 0.3 | 0.1 | 0.3 | — | 0.0 | 0.0 |
| Trading Investments - Unrealized Gain/(Loss) | (1.2) | 0.2 | 0.0 | (0.1) | 0.3 | 0.1 | 0.3 | — | 0.0 | 0.0 |
| Revenue from Business Activities - Total | 79.4 | 116.3 | 107.3 | 62.6 | 37.2 | 40.8 | 39.0 | 28.4 | 25.4 | 26.2 |
| Selling, General & Administrative Expenses - Total | 23.1 | 22.2 | 18.0 | 13.6 | 11.9 | 12.2 | 11.6 | 10.9 | 11.4 | 11.4 |
| Depreciation in Selling, General & Administrative Expenses | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 | 1.2 | 1.0 | 0.4 | 0.5 | 0.4 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Equipment/Occupancy Expense - Bank/Financial - Other | 0.1 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.3 | 0.9 | 0.9 | 1.2 |
| Other Operating Expense/(Income) - Net | 0.8 | 0.3 | 0.4 | 0.3 | 0.2 | 0.2 | 0.2 | 0.4 | 0.3 | 0.9 |
| Other Operating Income - Total | — | — | — | — | — | — | — | — | 0.0 | 0.0 |
| Operating Expenses - Total | 22.0 | 17.6 | 18.2 | 12.5 | 12.6 | 17.3 | 11.8 | 10.1 | 11.9 | 11.1 |
| Provision & Impairment for Loan Losses | (1.8) | (4.9) | (0.2) | (1.3) | 0.5 | 4.9 | (0.1) | (1.2) | 0.2 | (1.1) |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 13.0 | 13.2 | 11.5 | 8.5 | 7.2 | 6.9 | 6.8 | 6.4 | 5.8 | 5.8 |
| Selling, General & Administrative Expenses - Other - Total | 8.7 | 7.8 | 5.6 | 4.3 | 3.7 | 4.1 | 3.8 | 4.1 | 5.2 | 5.1 |
| Advertising Expense | 0.3 | 0.3 | 0.4 | 0.5 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.2 |
| Operating Profit before Non-Recurring Income/(Expense) | 57.4 | 98.7 | 89.1 | 50.0 | 24.6 | 23.5 | 27.2 | 18.4 | 13.5 | 15.1 |
| Other Operating Expense | — | — | — | — | — | — | — | — | 0.3 | 0.9 |
| Operating Provisions - Increase/(Decrease) | — | — | — | — | — | — | — | — | (0.0) | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 1.1 | 1.9 | 0.2 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.3 |
| Normalized Pre-tax Profit | 58.5 | 100.6 | 89.3 | 50.1 | 24.6 | 23.6 | 27.3 | 18.5 | 13.6 | 15.4 |
| Non-Recurring Income/Expense - Total | (0.0) | 0.0 | (0.0) | (0.0) | 0.1 | 0.0 | (0.1) | (0.0) | (0.1) | (0.1) |
| Impairment - Tangible & Intangible Fixed Assets | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Fixed Assets | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Financial Investments | 0.0 | (0.1) | — | — | — | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | — | 0.0 | (0.0) | 0.0 | 0.2 | 0.0 | 0.0 | — | — | — |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | — | — | — | — | (0.0) | (0.0) |
| Income before Taxes | 58.5 | 100.6 | 89.2 | 50.1 | 24.8 | 23.6 | 27.2 | 18.4 | 13.5 | 15.3 |
| Income Taxes | 29.7 | 54.6 | 46.6 | 30.3 | 11.0 | 10.5 | 11.2 | 7.2 | 5.2 | 5.7 |
| Income Taxes for the Year - Current | 30.9 | 52.6 | 43.7 | 27.6 | 9.7 | 11.0 | 10.5 | 7.2 | 5.2 | 5.5 |
| Income Taxes - Deferred | (1.5) | 1.9 | 0.8 | 1.3 | 1.5 | (1.3) | 0.1 | (0.1) | 2.2 | (0.1) |
| Income Taxes - Other (by Type) | 0.4 | 0.0 | 2.2 | 1.4 | (0.1) | 0.8 | 0.6 | 0.0 | (2.2) | 0.3 |
| Net Income after Tax | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Income before Discontinued Operations & Extraordinary Items | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Net Income before Minority Interest | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Net Income after Minority Interest | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Income Available to Common Shares | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Other Comprehensive Income - Starting Line | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | — | — | — | — | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | (1.5) | 1.2 | (0.0) | 0.6 | (0.8) | — | — | — | — | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | 0.1 | 0.2 | 0.9 | 0.0 | 0.4 | — | — | — | — | — |
| Other Comprehensive Income - Other | 0.1 | — | — | — | — | — | — | — | — | — |
| Other Comprehensive Income - Pension Related | 0.0 | (0.0) | 0.0 | 0.0 | (0.0) | — | — | — | — | — |
| Other Comprehensive Income - Net of Tax - Total | (1.3) | 1.4 | 0.8 | 0.6 | (0.3) | — | — | — | — | — |
| Comprehensive Income before Minority Interest - Total | 27.5 | 47.5 | 43.5 | 20.4 | 13.4 | — | — | — | — | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 27.5 | 47.5 | 43.5 | 20.4 | 13.4 | — | — | — | — | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 6.50 | 9.00 | 9.00 | 4.00 | 3.00 | 2.75 | 3.00 | 2.25 | 1.75 | 2.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Income available to Common excluding Extraordinary Items | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Shares used to calculate Basic EPS - Total mn | 3,871.6 | 3,871.2 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 7.44 | 11.89 | 11.02 | 5.13 | 3.51 | 3.39 | 4.16 | 2.91 | 2.15 | 2.50 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| 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 | 3,871.6 | 3,871.2 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 7.44 | 11.89 | 11.02 | 5.13 | 3.51 | 3.39 | 4.16 | 2.91 | 2.15 | 2.50 |
| 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 | 7.10 | 12.26 | 11.22 | 5.28 | 3.46 | — | — | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Diluted Income available to Common excluding Extraordinary Items | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Shares used to calculate Diluted EPS - Total mn | 3,871.6 | 3,871.2 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 7.44 | 11.89 | 11.02 | 5.13 | 3.51 | 3.39 | 4.16 | 2.91 | 2.15 | 2.50 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| 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 | 3,871.6 | 3,871.2 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 | 3,871.6 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 7.43 | 11.90 | 11.01 | 5.13 | 3.55 | 3.39 | 4.14 | 2.90 | 2.13 | 2.48 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 7.44 | 11.89 | 11.02 | 5.13 | 3.51 | 3.39 | 4.16 | 2.91 | 2.15 | 2.50 |
| 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 | 7.10 | 12.26 | 11.22 | 5.28 | 3.46 | — | — | — | — | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 9.00 | 6.00 | 9.00 | 3.25 | 4.00 | 1.75 | 2.75 | 1.75 | 2.00 | 2.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 8.10 | 5.40 | 8.10 | 2.93 | 3.60 | 1.58 | 2.48 | 1.58 | 1.80 | 1.80 |
| Earnings before Interest & Taxes (EBIT) | 57.4 | 98.7 | 89.1 | 50.0 | 24.6 | 23.5 | 27.2 | 18.4 | 13.5 | 15.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 58.8 | 99.9 | 90.0 | 50.9 | 25.6 | 24.6 | 28.2 | 18.8 | 14.0 | 15.6 |
| Depreciation & Amortization - Supplemental | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 | 1.2 | 1.0 | 0.4 | 0.5 | 0.5 |
| Depreciation Expense - Total - Supplemental | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 | 1.2 | 1.0 | 0.4 | 0.5 | 0.4 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 0.5 | 0.4 | 0.4 | 0.4 | 0.5 | 0.7 | 0.6 | — | — | — |
| Amortization - Total - Supplemental | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Amortization - Other - Supplemental | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Depreciation, Depletion & Amortization - Total | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 | 1.2 | 1.0 | 0.4 | 0.5 | 0.5 |
| Depreciation - Total | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 | 1.2 | 1.0 | 0.4 | 0.5 | 0.4 |
| Amortization of Intangible Assets including Goodwill - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Labor & Related Expenses - Total | 13.0 | 13.2 | 11.5 | 8.5 | 7.2 | 6.9 | 6.8 | 6.4 | 5.8 | 5.8 |
| Labor & Related Expenses - Supplemental | 13.0 | 13.2 | 11.5 | 8.5 | 7.2 | 6.9 | 6.8 | 6.4 | 5.8 | 5.8 |
| Auditor Fees | — | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Audit-Related Fees | — | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Fees - Other | — | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 |
| Normalized after Tax Profit | 28.8 | 46.0 | 42.7 | 19.9 | 13.6 | 13.1 | 16.1 | 11.3 | 8.3 | 9.7 |
| Normalized Net Income from Continuing Operations | 28.8 | 46.0 | 42.7 | 19.9 | 13.6 | 13.1 | 16.1 | 11.3 | 8.3 | 9.7 |
| Normalized Net Income - Bottom Line | 28.8 | 46.0 | 42.7 | 19.9 | 13.6 | 13.1 | 16.1 | 11.3 | 8.3 | 9.7 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 58.5 | 100.6 | 89.3 | 50.1 | 24.6 | 23.6 | 27.3 | 18.5 | 13.6 | 15.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 60.0 | 101.8 | 90.2 | 51.0 | 25.6 | 24.8 | 28.3 | 18.9 | 14.0 | 15.9 |
| Loan Losses - Net | — | — | — | — | — | — | — | — | — | (0.8) |
| Loan Recoveries - Actual | — | — | — | — | — | — | — | — | — | 2.6 |
| Depreciation of Financial Lease Right-of-Use Assets | — | — | — | 0.4 | 0.5 | 0.7 | 0.6 | — | — | — |
| Loan Losses - Actual | 0.5 | 2.8 | 0.3 | 0.2 | 0.6 | 0.4 | 0.6 | 1.0 | 0.4 | 1.8 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 0.2 | 0.2 | 0.1 | — | — | — | — | — | — | — |
| Advertising Expenses - Supplemental | 0.3 | 0.3 | 0.4 | 0.5 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.2 |
| Interest Expense | 27.3 | 65.6 | 57.7 | 45.8 | 20.6 | 24.1 | 24.5 | 12.4 | 9.5 | 9.0 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 63.4 | 98.5 | 94.4 | 46.0 | 25.8 | 23.2 | 27.9 | 20.1 | 17.1 | 20.5 |
| Commissions & Fees from Securities Activities | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | — | — | — |
| Revenue after Loan Provisions - Net - Finance | 90.8 | 164.1 | 152.1 | 91.8 | 46.4 | 47.3 | 52.4 | 32.4 | 26.6 | 29.5 |
| Operating Expenses | 22.0 | 17.6 | 18.2 | 12.5 | 12.6 | 17.3 | 11.8 | 10.1 | 11.9 | 11.1 |
| Foreign Exchange Gain/(Loss) | 8.9 | 9.9 | 5.7 | 9.5 | 4.6 | 4.0 | 4.2 | 5.5 | 2.3 | 1.7 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 23.1 | 22.2 | 18.0 | 13.6 | 11.9 | 12.2 | 11.6 | 10.9 | 11.4 | 11.4 |
| Investment Gain/(Loss) | 1.1 | 4.7 | (0.9) | 2.3 | 2.1 | 3.4 | 1.8 | 1.3 | 0.9 | 1.6 |
| Non-Interest Expense - Bank | 22.8 | 20.5 | 18.3 | 13.8 | 12.0 | 12.2 | 11.9 | 11.2 | 11.8 | 12.0 |
| Income before Taxes & Provision for Loan Losses | 56.7 | 95.8 | 89.0 | 48.8 | 25.2 | 28.5 | 27.1 | 17.2 | 13.7 | 14.2 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 9.00 | 6.00 | 9.00 | 3.25 | 4.00 | 1.75 | 2.75 | 1.75 | 2.00 | 2.75 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 9.00 | 6.00 | 9.00 | 3.25 | 4.00 | 1.75 | 2.75 | 1.75 | 2.00 | 2.00 |
| Tax Adjusted Operating Income | 28.8 | 46.1 | 42.6 | 19.8 | 13.7 | 13.1 | 16.0 | 11.2 | 8.2 | 9.6 |
| Operating Expenses excluding Non-Cash Charges - Total | 20.6 | 16.4 | 17.3 | 11.6 | 11.6 | 16.1 | 10.8 | 9.6 | 11.5 | 10.7 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 79.4 | 116.3 | 107.3 | 62.6 | 37.2 | 40.8 | 39.0 | 28.4 | 25.4 | 26.2 |
| Income from Earning Assets | 97.6 | 174.0 | 156.6 | 102.1 | 53.8 | 59.6 | 58.5 | 38.0 | 30.0 | 31.7 |
| Income Available to Common Shares before Depreciation & Amortization | 30.2 | 47.2 | 43.5 | 20.7 | 14.7 | 14.3 | 17.0 | 11.7 | 8.7 | 10.1 |
| Commissions and Fees | 7.4 | 7.0 | 5.6 | 3.0 | 3.2 | 4.1 | 4.0 | 4.2 | 4.4 | 3.3 |
| 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 | 9.00 | 6.00 | 9.00 | 3.25 | 4.00 | 1.75 | 2.75 | 1.75 | 2.00 | 2.00 |
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.