Last close · 16 Oct 2026
Rs 19.18 +0.84%
Annual · FY2006 – FY2025
Soneri Bank Limited (SNBL) income statement
Soneri Bank Limited reported total income of Rs 35.3 bn for FY2025 (Jan – Dec 2025), up 10.9% on FY2024. Net interest income was Rs 27.2 bn, up 8.5% on FY2024, with non-interest income of Rs 8.1 bn. Tax of Rs 7.0 bn took 60.7% of pre-tax profit. Profit attributable to shareholders was Rs 4.6 bn, down 22.8% on FY2024, or Rs 4.13 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 | 84.5 | 114.2 | 98.3 | 63.3 | 37.5 | 42.4 | 39.1 | 21.9 | 18.7 | 17.7 | 18.5 | 17.1 | 13.8 | 14.0 | 13.2 | 10.4 | 9.5 | 8.1 | 6.3 | 5.6 |
| Interest expense | (57.3) | (89.1) | (75.3) | (51.8) | (26.2) | (31.6) | (30.9) | (14.6) | (12.0) | (10.7) | (10.7) | (10.6) | (8.8) | (8.9) | (9.0) | (7.2) | (6.6) | (4.9) | (4.3) | (3.8) |
| Net interest income | 27.2 | 25.1 | 23.0 | 11.5 | 11.3 | 10.8 | 8.3 | 7.2 | 6.7 | 7.0 | 7.8 | 6.5 | 5.0 | 5.0 | 4.2 | 3.2 | 2.9 | 3.2 | 2.0 | 1.8 |
| Fee & commission income (net) | 4.9 | 4.4 | 3.1 | 2.4 | 2.1 | 1.8 | 1.9 | 1.7 | 1.4 | 1.3 | 1.3 | 1.3 | 1.1 | 1.0 | 0.7 | 0.4 | 0.3 | 0.4 | 0.3 | 0.2 |
| Foreign exchange income | 1.7 | 2.1 | 3.1 | 2.9 | 1.2 | 1.0 | 1.1 | 1.0 | 0.6 | 0.3 | 0.5 | 0.6 | 0.5 | 0.2 | 0.5 | 0.2 | 0.4 | 0.3 | 0.2 | 0.1 |
| Gain / (loss) on securities | 1.5 | 0.3 | (0.1) | (0.5) | 0.4 | 0.8 | (0.5) | 0.3 | 1.2 | 0.9 | 1.1 | 0.4 | 0.5 | 0.4 | 0.1 | 0.0 | (0.0) | — | — | 0.1 |
| Total non-interest income | 8.1 | 6.8 | 6.2 | 4.8 | 3.6 | 3.6 | 2.5 | 3.0 | 3.2 | 2.5 | 2.9 | 2.3 | 2.1 | 1.5 | 1.3 | 0.6 | 0.7 | 0.6 | 0.8 | 0.5 |
| Total income | 35.3 | 31.8 | 29.1 | 16.3 | 14.9 | 14.4 | 10.8 | 10.2 | 9.9 | 9.6 | 10.7 | 8.8 | 7.1 | 6.6 | 5.5 | 3.8 | 3.5 | 3.9 | 2.7 | 2.3 |
| Operating expenses | (23.4) | (19.1) | (16.7) | (11.8) | (10.1) | (9.6) | (7.5) | (7.3) | (7.0) | (6.5) | (7.1) | (6.3) | (5.5) | (4.7) | (4.4) | (3.6) | (3.2) | (2.7) | (1.3) | (0.9) |
| Provisions & impairment (loans) | (0.6) | (0.4) | 1.3 | (0.4) | (0.1) | 0.7 | (0.7) | (0.1) | 0.1 | 0.0 | 1.0 | 0.5 | 0.7 | 0.5 | 1.2 | 1.4 | 1.3 | 1.2 | 0.2 | 0.0 |
| Profit before tax | 11.6 | 12.6 | 12.4 | 4.6 | 5.1 | 4.0 | 3.2 | 2.9 | 2.8 | 3.1 | 3.6 | 2.4 | 1.5 | 1.7 | 1.1 | 0.1 | 0.2 | 1.0 | 1.5 | 1.4 |
| Taxation | (7.0) | (6.7) | (6.3) | (2.7) | (2.3) | (1.6) | (1.3) | (1.1) | (1.2) | (1.2) | (1.4) | (0.9) | (0.5) | (0.6) | (0.3) | (0.0) | (0.0) | (0.3) | (0.5) | (0.5) |
| Profit after tax | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 | 2.2 | 1.6 | 1.0 | 1.1 | 0.8 | 0.1 | 0.1 | 0.7 | 1.0 | 1.0 |
| Profit attributable to shareholders | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 | 2.2 | 1.6 | 1.0 | 1.1 | 0.8 | 0.1 | 0.1 | 0.7 | 1.0 | 1.0 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 | 2.01 | 1.44 | 0.94 | 1.00 | 0.78 | 0.16 | 0.20 | 0.98 | 1.40 | 1.38 |
| EPS – diluted (Rs) Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 | 2.01 | 1.44 | 0.94 | 1.00 | 0.78 | 0.16 | 0.20 | 0.98 | 1.40 | 1.38 |
| Dividend per share (Rs) Rs | 1.50 | 3.00 | 3.00 | 1.00 | 1.50 | 1.25 | 1.00 | 1.00 | 0.75 | 1.25 | 1.25 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Weighted average shares mn | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,002.2 | 806.7 | 715.3 | 714.4 | 715.3 | 715.3 |
| 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 | -26.0% | +16.2% | +55.1% | +69.0% | -11.5% | +8.3% | +79.0% | +16.6% | +5.8% | -4.1% | +8.2% | +24.0% | -1.3% | +5.4% | +27.3% | +9.8% | +17.0% | +28.3% | +13.2% | — |
| Interest expense | -35.7% | +18.4% | +45.3% | +97.7% | -17.0% | +2.3% | +110.7% | +21.7% | +12.7% | -0.4% | +0.9% | +21.4% | -2.0% | -0.7% | +24.9% | +9.1% | +35.3% | +12.6% | +15.0% | — |
| Net interest income | +8.5% | +9.1% | +99.0% | +2.3% | +4.6% | +30.6% | +14.5% | +7.4% | -4.6% | -9.3% | +20.3% | +28.5% | +0.1% | +18.4% | +32.6% | +11.5% | -10.8% | +63.1% | +9.5% | — |
| Fee & commission income (net) | +12.9% | +40.7% | +26.9% | +16.8% | +17.5% | -5.2% | +9.9% | +22.5% | +8.3% | -4.3% | +1.3% | +16.1% | +19.8% | +35.9% | +90.9% | +26.0% | -18.6% | +24.5% | +18.7% | — |
| Foreign exchange income | -17.5% | -33.6% | +7.7% | +149.0% | +12.0% | -9.1% | +15.5% | +58.5% | +114.8% | -38.6% | -22.9% | +34.0% | +93.4% | -51.9% | +109.2% | -38.3% | +36.6% | +51.6% | +23.5% | — |
| Gain / (loss) on securities | +331.4% | — | — | -246.4% | -55.5% | — | -301.4% | -77.5% | +23.4% | -16.5% | +200.1% | -17.4% | +27.3% | +241.5% | +345.3% | — | — | — | — | — |
| Total non-interest income | +19.9% | +9.9% | +28.3% | +32.7% | -0.7% | +45.6% | -15.3% | -6.9% | +26.2% | -14.5% | +27.1% | +12.7% | +32.8% | +19.1% | +107.3% | -5.4% | +3.9% | -17.4% | +52.9% | — |
| Total income | +10.9% | +9.2% | +78.2% | +9.7% | +3.3% | +34.1% | +5.8% | +2.8% | +3.5% | -10.7% | +22.1% | +23.9% | +7.8% | +18.6% | +44.8% | +8.3% | -8.4% | +40.4% | +19.0% | — |
| Operating expenses | +22.6% | +14.1% | +41.6% | +17.5% | +4.6% | +27.8% | +3.3% | +3.4% | +8.9% | -8.9% | +13.1% | +13.7% | +17.5% | +6.1% | +21.8% | +13.0% | +20.4% | +111.2% | +48.0% | — |
| Provisions & impairment (loans) | — | -129.9% | — | — | -118.5% | — | — | -235.5% | +101.9% | -97.0% | +89.4% | -24.1% | +47.6% | -60.6% | -11.5% | +7.1% | +5.7% | +428.5% | +539.0% | — |
| Profit before tax | -8.2% | +2.3% | +171.3% | -11.6% | +27.6% | +24.3% | +11.8% | +2.0% | -7.5% | -14.4% | +47.2% | +59.6% | -11.1% | +59.7% | +667.7% | -26.2% | -80.0% | -35.4% | +1.9% | — |
| Taxation | +4.6% | +7.2% | +135.2% | +16.4% | +40.4% | +21.9% | +19.6% | -5.6% | -0.9% | -13.3% | +60.8% | +74.2% | -20.1% | +109.6% | +1,864.0% | -66.7% | -82.1% | -47.1% | +2.7% | — |
| Profit after tax | -22.8% | -2.9% | +222.6% | -34.0% | +18.9% | +25.9% | +6.9% | +7.5% | -11.7% | -15.1% | +39.9% | +52.6% | -6.1% | +40.9% | +524.6% | -13.7% | -79.3% | -29.9% | +1.5% | — |
| Profit attributable to shareholders | -22.8% | -2.9% | +222.6% | -34.0% | +18.9% | +25.9% | +6.9% | +7.5% | -11.7% | -15.1% | +39.9% | +52.6% | -6.1% | +40.9% | +524.6% | -13.7% | -79.3% | -29.9% | +1.5% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -22.8% | -2.9% | +222.6% | -34.0% | +18.9% | +25.9% | +6.9% | +7.5% | -11.7% | -15.1% | +39.9% | +52.6% | -6.1% | +28.1% | +402.8% | -23.5% | -79.3% | -29.8% | +1.5% | — |
| EPS – diluted (Rs) | -22.8% | -2.9% | +222.6% | -34.0% | +18.9% | +25.9% | +6.9% | +7.5% | -11.7% | -15.1% | +39.9% | +52.6% | -6.1% | +28.1% | +402.8% | -23.5% | -79.3% | -29.8% | +1.5% | — |
| Dividend per share (Rs) | -50.0% | 0.0% | +200.0% | -33.3% | +20.0% | +25.0% | 0.0% | +33.3% | -40.0% | 0.0% | +25.0% | — | — | — | — | — | — | — | — | — |
| 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 | 239.4% | 358.8% | 337.2% | 387.4% | 251.5% | 293.5% | 363.6% | 215.0% | 189.6% | 185.5% | 172.7% | 194.9% | 194.7% | 212.6% | 239.1% | 272.1% | 268.4% | 210.1% | 229.9% | 241.6% |
| Interest expense | (162.4%) | (280.0%) | (258.3%) | (316.8%) | (175.7%) | (218.8%) | (286.8%) | (144.1%) | (121.7%) | (111.8%) | (100.2%) | (121.3%) | (123.7%) | (136.1%) | (162.5%) | (188.5%) | (187.2%) | (126.7%) | (158.1%) | (163.6%) |
| Net interest income | 77.0% | 78.7% | 78.9% | 70.6% | 75.7% | 74.8% | 76.8% | 70.9% | 67.9% | 73.7% | 72.5% | 73.6% | 71.0% | 76.4% | 76.5% | 83.6% | 81.2% | 83.4% | 71.8% | 78.1% |
| Fee & commission income (net) | 13.9% | 13.7% | 10.6% | 14.9% | 14.0% | 12.3% | 17.4% | 16.8% | 14.1% | 13.5% | 12.6% | 15.1% | 16.2% | 14.5% | 12.7% | 9.6% | 8.3% | 9.3% | 10.5% | 10.5% |
| Foreign exchange income | 4.8% | 6.5% | 10.7% | 17.7% | 7.8% | 7.2% | 10.6% | 9.7% | 6.3% | 3.0% | 4.4% | 7.0% | 6.5% | 3.6% | 8.9% | 6.2% | 10.8% | 7.3% | 6.7% | 6.5% |
| Gain / (loss) on securities | 4.2% | 1.1% | (0.2%) | (3.3%) | 2.4% | 5.7% | (4.9%) | 2.6% | 11.7% | 9.8% | 10.5% | 4.3% | 6.4% | 5.4% | 1.9% | 0.6% | (0.3%) | — | — | 4.9% |
| Total non-interest income | 23.0% | 21.3% | 21.1% | 29.4% | 24.3% | 25.2% | 23.2% | 29.1% | 32.1% | 26.3% | 27.5% | 26.4% | 29.0% | 23.6% | 23.5% | 16.4% | 18.8% | 16.6% | 28.2% | 21.9% |
| 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 | (66.3%) | (60.0%) | (57.4%) | (72.3%) | (67.4%) | (66.6%) | (69.9%) | (71.6%) | (71.2%) | (67.7%) | (66.4%) | (71.6%) | (78.0%) | (71.6%) | (80.0%) | (95.1%) | (91.2%) | (69.4%) | (46.1%) | (37.1%) |
| Provisions & impairment (loans) | (1.8%) | (1.2%) | 4.4% | (2.4%) | (0.9%) | 4.9% | (6.2%) | (0.8%) | 0.6% | 0.3% | 9.7% | 6.3% | 10.2% | 7.5% | 22.5% | 36.8% | 37.2% | 32.2% | 8.6% | 1.6% |
| Profit before tax | 32.9% | 39.7% | 42.4% | 27.9% | 34.5% | 28.0% | 30.2% | 28.6% | 28.8% | 32.2% | 33.6% | 27.9% | 21.6% | 26.2% | 19.5% | 3.7% | 5.4% | 24.8% | 53.9% | 62.9% |
| Taxation | (20.0%) | (21.2%) | (21.6%) | (16.3%) | (15.4%) | (11.3%) | (12.5%) | (11.0%) | (12.0%) | (12.5%) | (12.9%) | (9.8%) | (7.0%) | (9.4%) | (5.3%) | (0.4%) | (1.3%) | (6.5%) | (17.4%) | (20.1%) |
| Profit after tax | 12.9% | 18.5% | 20.8% | 11.5% | 19.1% | 16.6% | 17.7% | 17.5% | 16.8% | 19.7% | 20.7% | 18.1% | 14.7% | 16.8% | 14.2% | 3.3% | 4.1% | 18.2% | 36.5% | 42.8% |
| Profit attributable to shareholders | 12.9% | 18.5% | 20.8% | 11.5% | 19.1% | 16.6% | 17.7% | 17.5% | 16.8% | 19.7% | 20.7% | 18.1% | 14.7% | 16.8% | 14.2% | 3.3% | 4.1% | 18.2% | 36.5% | 42.8% |
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. Updated 15 Oct 2026.
All reported line items 151
| 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 | 27.2 | 25.1 | 23.0 | 11.5 | 11.3 | 10.8 | 8.3 | 7.2 | 6.7 | 7.0 |
| Interest & Dividend Income - Finance - Total | 84.5 | 114.2 | 98.3 | 63.3 | 37.5 | 42.4 | 39.1 | 21.9 | 18.7 | 17.7 |
| Interest Income - Loans/Deposits | 23.5 | 41.7 | 36.4 | 25.3 | 13.9 | 19.0 | 24.3 | 13.0 | 9.7 | 7.8 |
| Interest & Fees on Loans & Receivables | 22.8 | 38.7 | 34.2 | 24.1 | 13.4 | 18.8 | 23.8 | 12.7 | 9.6 | 7.7 |
| Interest Income - Deposits to Other Financial Institutions | 0.7 | 3.1 | 2.2 | 1.2 | 0.5 | 0.1 | 0.5 | 0.3 | 0.1 | 0.0 |
| Interest & Dividend Income - Other - Finance | 0.9 | 0.9 | 1.2 | 1.0 | 1.0 | 0.3 | 0.4 | 0.7 | 0.8 | 0.5 |
| Interest Income - Collateralized Financing | — | — | — | — | — | — | — | — | — | 0.0 |
| Interest & Dividend Income - Investment Securities - Finance | 60.1 | 71.5 | 60.6 | 37.0 | 22.6 | 23.1 | 14.4 | 8.2 | 8.3 | 9.5 |
| Net Commission & Fees Income/Expense - Business Revenue | 4.9 | 4.4 | 3.1 | 2.4 | 2.1 | 1.8 | 1.9 | 1.7 | 1.4 | 1.3 |
| Fees & Commissions Income | 4.9 | 4.4 | 3.1 | 2.4 | 2.1 | 1.8 | 1.9 | 1.7 | 1.4 | 1.3 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 60.1 | 71.5 | 60.6 | 37.0 | 22.6 | 23.1 | 14.4 | 8.2 | 8.3 | 9.3 |
| Interest & Dividend Income - Trading Account Assets - Finance | — | — | — | — | — | — | — | — | — | 0.1 |
| Investments & Loans - Business - Gain/(Loss) | 1.5 | 0.3 | (0.1) | (0.5) | 0.4 | 0.8 | (0.5) | 0.3 | 1.2 | 0.9 |
| Interest Expense - Finance - Total | 57.3 | 89.1 | 75.3 | 51.8 | 26.2 | 31.6 | 30.9 | 14.6 | 12.0 | 10.7 |
| Interest Expense - Operational Financing - Business | 42.2 | 71.9 | 58.8 | 35.0 | 16.7 | 21.1 | 22.5 | 10.2 | 8.3 | 10.1 |
| Interest Expense - Deposits | 42.2 | 71.9 | 58.8 | 35.0 | 16.7 | 21.1 | 22.5 | 10.2 | 8.3 | 8.0 |
| Investment Securities - Business - Gain/(Loss) | 1.5 | 0.3 | (0.1) | (0.5) | 0.4 | 0.8 | (0.5) | 0.3 | 1.2 | 0.9 |
| Interest Expense - Collateralized Financing | — | — | — | — | — | — | — | — | — | 2.1 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 1.5 | 0.3 | (0.1) | (0.5) | 0.4 | 0.8 | (0.5) | 0.3 | 1.2 | — |
| Interest Expense - External Financing Business | 15.1 | 17.2 | 16.5 | 16.8 | 9.5 | 10.5 | 8.4 | 4.5 | 3.7 | 0.5 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 8.1 | 6.8 | 6.2 | 4.8 | 3.6 | 3.6 | 2.5 | 3.0 | 3.2 | 2.5 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 1.7 | 2.1 | 3.1 | 2.9 | 1.2 | 1.0 | 1.1 | 1.0 | 0.6 | 0.3 |
| Trading Investments/Trading Account Income - Gain/(Loss) | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (0.0) |
| Trading Investments - Unrealized Gain/(Loss) | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (0.0) |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | — | — | — | — | — | — | — | — | 0.9 |
| Net Income/(Expense) from Insurance - Bank | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Revenue from Business Activities - Total | 35.3 | 31.8 | 29.1 | 16.3 | 14.9 | 14.4 | 10.8 | 10.2 | 9.9 | 9.6 |
| Selling, General & Administrative Expenses - Total | 23.9 | 19.5 | 15.4 | 12.2 | 10.2 | 8.8 | 8.1 | 7.4 | 7.0 | 6.5 |
| Selling, General & Administrative Expenses - Unclassified | 10.3 | 8.9 | 6.8 | 5.3 | 4.0 | 3.5 | 6.7 | 6.0 | 5.4 | 2.1 |
| Depreciation in Selling, General & Administrative Expenses | 3.1 | 2.4 | 1.8 | 1.5 | 1.4 | 1.1 | 0.8 | 0.5 | 0.6 | 0.6 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Other Operating Expense/(Income) - Net | 0.2 | 0.0 | 0.0 | (0.0) | 0.0 | 0.1 | 0.1 | 0.0 | (0.0) | (0.0) |
| Other Operating Income - Total | 0.0 | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Operating Expenses - Total | 23.4 | 19.1 | 16.7 | 11.8 | 10.1 | 9.6 | 7.5 | 7.3 | 7.0 | 6.5 |
| Provision & Impairment for Loan Losses | (0.6) | (0.4) | 1.3 | (0.4) | (0.1) | 0.7 | (0.7) | (0.1) | 0.1 | 0.0 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 9.7 | 6.3 | 4.9 | 3.9 | 3.4 | 3.0 | (0.1) | (0.0) | 0.1 | 2.6 |
| Selling, General & Administrative Expenses - Other - Total | 0.5 | 1.7 | 1.7 | 1.3 | 1.2 | 1.1 | 0.5 | 0.8 | 0.8 | 1.1 |
| Advertising Expense | 0.2 | 0.1 | 0.5 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Rental Expense | 0.3 | 1.6 | 1.2 | 1.0 | 1.0 | 1.0 | 0.4 | 0.7 | 0.7 | 1.0 |
| Operating Profit before Non-Recurring Income/(Expense) | 11.9 | 12.7 | 12.4 | 4.5 | 4.9 | 4.8 | 3.2 | 2.9 | 2.8 | 3.1 |
| Other Operating Expense | 0.4 | — | — | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
| Operating Provisions - Increase/(Decrease) | (0.1) | — | — | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.1 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized Pre-tax Profit | 11.9 | 12.8 | 12.4 | 4.6 | 5.2 | 4.8 | 3.2 | 2.9 | 2.9 | 3.1 |
| Non-Recurring Income/Expense - Total | (0.3) | (0.1) | (0.1) | (0.0) | (0.0) | (0.8) | (0.0) | (0.0) | (0.0) | (0.0) |
| Impairment - Tangible & Intangible Fixed Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Fixed Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Financial Investments | 0.1 | (0.1) | 0.1 | (0.0) | (0.0) | 0.7 | 0.0 | 0.0 | 0.0 | (0.0) |
| Restructuring Charges | — | — | 0.0 | 0.0 | 0.0 | 0.1 | — | — | — | — |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.0 | — | 0.0 | 0.0 | — | — | — | — | — | — |
| Fair Value Adjustments - Financial Investments | (0.2) | (0.2) | — | — | — | — | — | — | — | — |
| Income before Taxes | 11.6 | 12.6 | 12.4 | 4.6 | 5.1 | 4.0 | 3.2 | 2.9 | 2.8 | 3.1 |
| Income Taxes | 7.0 | 6.7 | 6.3 | 2.7 | 2.3 | 1.6 | 1.3 | 1.1 | 1.2 | 1.2 |
| Income Taxes for the Year - Current | 6.1 | 6.6 | 6.2 | 2.4 | 2.4 | 1.7 | 1.1 | 1.1 | 1.0 | 1.1 |
| Income Taxes - Deferred | (0.8) | 0.1 | 0.1 | (0.1) | (0.1) | (0.0) | 0.1 | (0.0) | 0.0 | (0.1) |
| Income Taxes - Other (by Type) | 1.7 | — | 0.0 | 0.4 | 0.0 | 0.0 | 0.1 | 0.0 | 0.2 | 0.2 |
| Debt Restructuring - Gain/(Loss) | 0.0 | 0.0 | — | — | — | — | — | — | — | — |
| Net Income after Tax | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Income before Discontinued Operations & Extraordinary Items | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Net Income before Minority Interest | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Net Income after Minority Interest | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Income Available to Common Shares | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Other Comprehensive Income - Starting Line | — | — | — | — | — | 2.4 | 1.9 | 1.8 | — | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | — | — | — | — | — | 0.5 | 1.3 | (1.5) | — | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | — | — | — | — | — | 1.1 | 0.1 | 0.0 | — | — |
| Other Comprehensive Income - Pension Related | — | — | — | — | — | 0.0 | (0.0) | 0.0 | — | — |
| Other Comprehensive Income - Net of Tax - Total | — | — | — | — | — | 1.6 | 1.4 | (1.5) | — | — |
| Comprehensive Income before Minority Interest - Total | — | — | — | — | — | 4.0 | 3.3 | 0.3 | — | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | — | — | — | — | — | 4.0 | 3.3 | 0.3 | — | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 1.50 | 3.00 | 3.00 | 1.00 | 1.50 | 1.25 | 1.00 | 1.00 | 0.75 | 1.25 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Income available to Common excluding Extraordinary Items | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Shares used to calculate Basic EPS - Total mn | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 4.44 | 5.49 | 5.59 | 1.71 | 2.59 | 2.90 | 1.73 | 1.63 | 1.52 | 1.72 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| 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 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 4.44 | 5.49 | 5.59 | 1.71 | 2.59 | 2.90 | 1.73 | 1.63 | 1.52 | 1.72 |
| 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 | — | — | — | — | — | 3.67 | 3.02 | 0.28 | — | — |
| Dilution Adjustment | — | — | — | — | — | 0.0 | — | 0.0 | 0.0 | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Diluted Income available to Common excluding Extraordinary Items | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Shares used to calculate Diluted EPS - Total mn | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 4.44 | 5.49 | 5.59 | 1.71 | 2.59 | 2.90 | 1.73 | 1.63 | 1.52 | 1.72 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| 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 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 | 1,102.5 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 4.44 | 5.49 | 5.59 | 1.71 | 2.59 | 2.90 | 1.73 | 1.63 | 1.52 | 1.72 |
| 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 | — | — | — | — | — | 3.67 | 3.02 | 0.28 | — | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 1.75 | 4.25 | 1.00 | 1.50 | 1.25 | 1.00 | 1.00 | 0.75 | 1.25 | 1.25 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 1.58 | 3.83 | 0.90 | 1.35 | 1.13 | 0.90 | 0.90 | 0.68 | 1.13 | 1.13 |
| Earnings before Interest & Taxes (EBIT) | 11.9 | 12.7 | 12.4 | 4.5 | 4.9 | 4.8 | 3.2 | 2.9 | 2.8 | 3.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 15.2 | 15.6 | 14.7 | 6.5 | 6.6 | 6.2 | 4.3 | 3.6 | 3.6 | 3.8 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 15.6 | 17.2 | 15.9 | 7.5 | 7.5 | 7.2 | 4.7 | 4.3 | 4.3 | 4.8 |
| Depreciation & Amortization - Supplemental | 3.3 | 2.5 | 2.0 | 1.8 | 1.6 | 1.3 | 1.0 | 0.6 | 0.7 | 0.8 |
| Depreciation Expense - Total - Supplemental | 3.1 | 2.4 | 1.8 | 1.5 | 1.4 | 1.1 | 0.8 | 0.5 | 0.6 | 0.7 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 1.3 | 1.0 | 0.9 | 0.8 | 0.7 | 0.6 | 0.3 | — | — | — |
| Amortization - Total - Supplemental | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Intangible Amortization - Other - Supplemental | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | — |
| Amortization of Computer Software - Supplemental | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | — |
| Amortization of Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Supplemental | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Depreciation, Depletion & Amortization - Total | 3.3 | 2.8 | 2.2 | 1.9 | 1.7 | 1.4 | 1.1 | 0.7 | 0.8 | 0.8 |
| Depreciation - Total | 3.1 | 2.7 | 2.0 | 1.7 | 1.5 | 1.2 | 0.9 | 0.6 | 0.6 | 0.7 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Labor & Related Expenses - Total | 9.7 | 6.3 | 4.9 | 3.9 | 3.4 | 3.0 | — | — | — | 2.6 |
| Labor & Related Expenses - Supplemental | 9.7 | 6.3 | 4.9 | 3.9 | 3.4 | 3.0 | — | — | — | 2.6 |
| Auditor Fees | — | — | 0.0 | 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 |
| Tax Fees | — | — | — | — | — | — | 0.0 | 0.0 | 0.0 | — |
| Fees - Other | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | 0.0 |
| Normalized after Tax Profit | 4.9 | 6.1 | 6.2 | 1.9 | 2.9 | 3.2 | 1.9 | 1.8 | 1.7 | 1.9 |
| Normalized Net Income from Continuing Operations | 4.9 | 6.1 | 6.2 | 1.9 | 2.9 | 3.2 | 1.9 | 1.8 | 1.7 | 1.9 |
| Normalized Net Income - Bottom Line | 4.9 | 6.1 | 6.2 | 1.9 | 2.9 | 3.2 | 1.9 | 1.8 | 1.7 | 1.9 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 11.9 | 12.8 | 12.4 | 4.6 | 5.2 | 4.8 | 3.2 | 2.9 | 2.9 | 3.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 15.3 | 15.6 | 14.7 | 6.5 | 6.9 | 6.2 | 4.3 | 3.6 | 3.6 | 3.9 |
| Loan Losses - Net | — | — | — | — | — | — | (0.7) | (0.1) | 0.1 | 0.0 |
| Loan Recoveries - Actual | — | — | — | — | — | — | 1.8 | 1.0 | 0.7 | 1.3 |
| Loan Losses - Actual | — | — | 0.2 | 0.2 | 0.1 | 0.1 | 1.2 | 0.9 | 0.8 | 1.4 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 1.3 | 0.9 | 0.6 | 0.4 | 0.4 | 0.4 | 0.3 | — | — | — |
| Rental/Operating Lease Expense | 0.3 | 1.6 | 1.2 | 1.0 | 1.0 | 1.0 | 0.4 | 0.7 | 0.7 | 1.0 |
| Advertising Expenses - Supplemental | 0.2 | 0.1 | 0.5 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Interest Expense | 57.3 | 89.1 | 75.3 | 51.8 | 26.2 | 31.6 | 30.9 | 14.6 | 12.0 | 10.7 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 27.8 | 25.4 | 21.7 | 11.9 | 11.4 | 10.1 | 8.9 | 7.3 | 6.6 | 7.0 |
| Commissions & Fees from Securities Activities | 1.8 | 1.8 | 1.3 | 0.9 | 0.8 | 0.7 | 0.7 | 0.7 | 0.5 | — |
| Revenue after Loan Provisions - Net - Finance | 85.1 | 114.6 | 97.0 | 63.7 | 37.6 | 41.7 | 39.8 | 21.9 | 18.7 | 17.7 |
| Operating Expenses | 23.4 | 19.1 | 16.7 | 11.8 | 10.1 | 9.6 | 7.5 | 7.3 | 7.0 | 6.5 |
| Foreign Exchange Gain/(Loss) | 1.7 | 2.1 | 3.1 | 2.9 | 1.2 | 1.0 | 1.1 | 1.0 | 0.6 | 0.3 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 23.9 | 19.5 | 15.4 | 12.2 | 10.2 | 8.8 | 8.1 | 7.4 | 7.0 | 6.5 |
| Investment Gain/(Loss) | 1.6 | 0.5 | 0.2 | (0.3) | 0.7 | 1.0 | (0.2) | 0.5 | 1.4 | 1.1 |
| Non-Interest Expense - Bank | 24.3 | 19.6 | 15.5 | 12.2 | 9.9 | 9.7 | 8.2 | 7.3 | 7.0 | 6.4 |
| Income before Taxes & Provision for Loan Losses | 11.0 | 12.3 | 13.6 | 4.2 | 5.0 | 4.7 | 2.6 | 2.8 | 2.9 | 3.1 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 1.75 | 4.25 | 1.00 | 1.50 | 1.25 | 1.00 | 1.00 | 0.75 | 1.25 | 1.25 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 1.75 | 4.25 | 1.00 | 1.50 | 1.25 | 1.00 | 1.00 | 0.75 | 1.25 | 1.25 |
| Tax Adjusted Operating Income | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| Operating Expenses excluding Non-Cash Charges - Total | 20.1 | 16.3 | 14.5 | 9.9 | 8.4 | 8.2 | 6.4 | 6.6 | 6.3 | 5.7 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 35.3 | 31.8 | 29.1 | 16.3 | 14.9 | 14.4 | 10.8 | 10.2 | 9.9 | 9.6 |
| Income from Earning Assets | 87.7 | 116.6 | 101.3 | 65.7 | 39.0 | 44.2 | 39.7 | 23.1 | 20.5 | 18.9 |
| Income Available to Common Shares before Depreciation & Amortization | 7.9 | 8.7 | 8.3 | 3.8 | 4.6 | 3.8 | 3.0 | 2.5 | 2.4 | 2.6 |
| Commissions and Fees | 4.9 | 4.4 | 3.1 | 2.4 | 2.1 | 1.8 | 1.9 | 1.7 | 1.4 | 1.3 |
| 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 | 1.75 | 4.25 | 1.00 | 1.50 | 1.25 | 1.00 | 1.00 | 0.75 | 1.25 | 1.25 |
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.