AKD Securities Limited (AKDSL) quarterly income statement

AKD Securities Limited reported revenue of Rs 4.1 bn for Q4 FY2026 (Apr – Jun 2026), up 372.6% on Q4 FY2025. Finance cost was Rs 10.5 mn, down 49.2% on Q4 FY2025. Tax of Rs 735.4 mn took 19.9% of pre-tax profit. Profit attributable to shareholders was Rs 3.0 bn, up 679.3% on Q4 FY2025, or Rs 5.30 per share.

AKDSL income statement (quarterly) (Rs mn)
Rs mn	TTM to Jun 2026	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q4 FY2022 Oct – Dec 2022	Q1 FY2022 Jan – Mar 2022	Q4 FY2021 Oct – Dec 2021	Q3 FY2021 Jul – Sep 2021	Q2 FY2021 Apr – Jun 2021	Q1 FY2021 Jan – Mar 2021
Revenue	8,889.0	4,077.3	(164.5)	1,741.7	3,234.5	862.6	860.4	2,702.0	1,026.9	743.1	286.5	905.6	688.0	(184.0)	153.6	(122.5)	96.6	129.7	143.5	187.4	194.9
Operating expenses	(1,611.5)	(581.3)	(313.6)	(373.5)	(343.2)	(448.0)	(264.4)	(339.2)	(196.8)	(319.4)	(194.7)	(138.4)	(187.2)	(363.2)	(178.6)	211.0	(76.0)	(81.5)	(92.8)	(108.3)	(101.9)
Finance cost	(43.1)	(10.5)	(9.9)	(10.4)	(12.3)	(20.7)	(18.1)	(19.2)	(30.3)	(28.5)	(32.9)	(42.2)	(42.6)	(13.2)	(33.4)	(26.7)	(5.5)	(4.6)	(6.2)	(4.9)	(6.7)
Profit before tax	7,447.4	3,692.1	(484.7)	1,357.7	2,882.2	393.3	581.0	2,347.1	807.9	408.7	58.4	732.1	460.4	(556.5)	(57.9)	—	15.2	38.0	51.5	75.3	86.4
Taxation	(1,676.2)	(735.4)	(239.0)	(370.9)	(330.9)	(13.9)	(170.6)	(597.2)	(191.4)	(85.7)	(25.2)	(174.6)	(114.9)	306.8	(54.6)	36.6	(5.0)	(3.0)	(19.3)	(23.2)	(25.9)
Profit after tax	5,771.2	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	—	10.2	35.0	32.2	52.1	60.4
Profit attributable to shareholders	5,771.2	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	—	10.2	35.0	32.2	52.1	60.4
Per share
EPS – basic (Rs) Rs	10.34	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
Dividend per share (Rs) Rs	—	—	—	0.00	—	1.00	—	1.00	—	2.00	—	—	—	—	—	0.00	0.00	0.50	0.00	0.00	0.00

AKDSL income statement — year-on-year change (Rs mn)
Rs mn	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q4 FY2022 Oct – Dec 2022	Q1 FY2022 Jan – Mar 2022	Q4 FY2021 Oct – Dec 2021	Q3 FY2021 Jul – Sep 2021	Q2 FY2021 Apr – Jun 2021	Q1 FY2021 Jan – Mar 2021
Revenue	+372.6%	-119.1%	-35.5%	+215.0%	+16.1%	+200.3%	+198.4%	+49.3%	—	+86.5%	—	+612.0%	-241.9%	+7.0%	-165.4%	-50.4%	-15.2%	-3.4%	+97.5%	+85.0%
Operating expenses	+29.7%	+18.6%	+10.1%	+74.4%	+40.3%	+35.9%	+145.0%	+5.2%	-12.0%	+9.0%	—	+146.4%	+345.7%	+92.5%	-294.8%	-25.5%	-6.6%	+2.5%	+40.2%	+20.1%
Finance cost	-49.2%	-45.2%	-45.7%	-59.5%	-27.6%	-45.0%	-54.6%	-28.8%	+115.4%	-1.7%	+58.5%	+679.0%	+186.2%	+442.5%	+448.3%	-17.9%	-24.3%	+1.3%	-23.6%	-2.5%
Profit before tax	+838.8%	-183.4%	-42.2%	+256.8%	-3.8%	+894.5%	+220.6%	+75.5%	—	—	—	+2,926.3%	-1,565.3%	-212.4%	—	-82.4%	-24.9%	-19.2%	+649.2%	+532.9%
Taxation	+5,207.2%	+40.1%	-37.9%	+72.9%	-83.8%	+577.1%	+242.0%	+66.6%	—	-53.8%	—	+2,178.3%	-10,374.5%	+182.7%	-258.1%	-80.6%	-78.4%	-10.7%	+507.4%	+449.3%
Profit after tax	+679.3%	-276.3%	-43.6%	+313.8%	+17.5%	+1,135.1%	+213.9%	+78.4%	—	—	—	+3,297.1%	-813.6%	-449.2%	—	-83.2%	-4.7%	-23.5%	+736.0%	+577.2%
Profit attributable to shareholders	+679.3%	-276.3%	-43.6%	+313.8%	+17.5%	+1,135.1%	+213.9%	+78.4%	—	—	—	+3,297.1%	-813.6%	-449.2%	—	-83.2%	-4.7%	-23.5%	+736.0%	+577.2%
Per share
EPS – basic (Rs)	+680.3%	-275.7%	-43.6%	+311.7%	+17.7%	+1,133.3%	+214.0%	+79.0%	—	—	—	+520.0%	-229.9%	-162.5%	—	-83.3%	-6.6%	-23.8%	+766.7%	+566.7%
Dividend per share (Rs)	—	—	-100.0%	—	-50.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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

AKDSL income statement — common size (Rs mn)
Rs mn	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q4 FY2022 Oct – Dec 2022	Q1 FY2022 Jan – Mar 2022	Q4 FY2021 Oct – Dec 2021	Q3 FY2021 Jul – Sep 2021	Q2 FY2021 Apr – Jun 2021	Q1 FY2021 Jan – Mar 2021
Revenue	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	(14.3%)	—	(21.4%)	(10.6%)	(51.9%)	(30.7%)	(12.6%)	(19.2%)	(43.0%)	(67.9%)	(15.3%)	(27.2%)	—	(116.3%)	—	(78.6%)	(62.8%)	(64.7%)	(57.8%)	(52.3%)
Finance cost	(0.3%)	—	(0.6%)	(0.4%)	(2.4%)	(2.1%)	(0.7%)	(3.0%)	(3.8%)	(11.5%)	(4.7%)	(6.2%)	—	(21.8%)	—	(5.7%)	(3.6%)	(4.3%)	(2.6%)	(3.4%)
Profit before tax	90.6%	—	78.0%	89.1%	45.6%	67.5%	86.9%	78.7%	55.0%	20.4%	80.8%	66.9%	—	(37.7%)	—	15.7%	29.3%	35.9%	40.2%	44.3%
Taxation	(18.0%)	—	(21.3%)	(10.2%)	(1.6%)	(19.8%)	(22.1%)	(18.6%)	(11.5%)	(8.8%)	(19.3%)	(16.7%)	—	(35.5%)	—	(5.2%)	(2.3%)	(13.5%)	(12.4%)	(13.3%)
Profit after tax	72.5%	—	56.7%	78.9%	44.0%	47.7%	64.8%	60.0%	43.5%	11.6%	61.6%	50.2%	—	(73.2%)	—	10.5%	27.0%	22.4%	27.8%	31.0%
Profit attributable to shareholders	72.5%	—	56.7%	78.9%	44.0%	47.7%	64.8%	60.0%	43.5%	11.6%	61.6%	50.2%	—	(73.2%)	—	10.5%	27.0%	22.4%	27.8%	31.0%

Each line as a percentage of revenue.

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

All reported line items 92

AKDSL income statement — all reported line items (Rs mn)
Rs mn	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q4 FY2022 Oct – Dec 2022	Q1 FY2022 Jan – Mar 2022	Q4 FY2021 Oct – Dec 2021	Q3 FY2021 Jul – Sep 2021	Q2 FY2021 Apr – Jun 2021	Q1 FY2021 Jan – Mar 2021
Interest & Dividend Income - Finance - Total	368.8	251.7	61.8	166.6	188.6	193.7	381.7	239.4	173.1	240.2	367.1	108.1	93.0	88.6	301.4	26.9	24.8	28.9	29.0	31.3
Interest & Dividend Income - Other - Finance	368.8	251.7	61.8	166.6	188.6	193.7	381.7	239.4	173.1	240.2	367.1	108.1	93.0	88.6	301.4	26.9	24.8	28.9	29.0	31.3
Net Commission & Fees Income/Expense - Business Revenue	650.1	717.4	871.3	782.5	501.7	471.8	647.7	332.5	403.7	273.2	380.5	246.2	96.6	174.8	175.9	65.0	85.0	117.0	155.6	159.3
Fees & Commissions Income	650.1	717.4	871.3	782.5	501.7	471.8	647.7	332.5	403.7	273.2	380.5	246.2	96.6	174.8	175.9	65.0	85.0	117.0	155.6	159.3
Investments & Loans - Business - Gain/(Loss)	3,058.4	(1,133.6)	808.7	2,285.4	172.3	194.9	1,672.7	455.0	166.2	(226.9)	158.0	333.7	(373.6)	(109.8)	(599.8)	4.7	19.9	(2.4)	2.8	4.3
Capital Gains/(Losses) - Unrealized - Total	3,088.9	(1,478.2)	651.7	1,833.6	(22.8)	75.1	1,474.0	419.9	156.5	(257.5)	(116.4)	196.7	(330.3)	(105.2)	(599.8)	(0.2)	10.7	(6.9)	(1.0)	0.1
Investment Securities - Business - Gain/(Loss)	(30.5)	344.6	157.0	451.8	195.1	119.7	198.7	35.1	9.7	30.6	274.5	136.9	(43.3)	(4.7)	—	4.9	9.2	4.5	3.8	4.2
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss)	(30.5)	344.6	157.0	451.8	195.1	119.7	198.7	35.1	9.7	30.6	274.5	136.9	(43.3)	(4.7)	—	4.9	9.2	4.5	3.8	4.2
Revenue from Business Activities - Total	4,077.3	(164.5)	1,741.7	3,234.5	862.6	860.4	2,702.0	1,026.9	743.1	286.5	905.6	688.0	(184.0)	153.6	(122.5)	96.6	129.7	143.5	187.4	194.9
Selling, General & Administrative Expenses - Total	581.3	313.6	373.5	343.2	448.0	264.4	339.2	196.8	319.4	194.7	138.4	187.2	363.2	178.6	(211.0)	76.0	81.5	92.8	108.3	101.9
Selling, General & Administrative Expenses - Unclassified	593.0	297.9	404.8	322.7	454.6	263.1	340.9	217.4	329.2	189.2	211.0	188.3	225.6	178.6	(211.0)	75.6	81.3	93.0	108.8	101.8
Other Operating Expense/(Income) - Net	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	(0.0)	—	0.0
Operating Expenses - Total	581.3	313.6	373.5	343.2	448.0	264.4	339.2	196.8	319.4	194.7	138.4	187.2	363.2	178.6	(211.0)	76.0	81.5	92.8	108.3	101.9
Operating Expenses - before Interest Expenses & Provision for Loan Losses - Total	581.3	313.6	373.5	343.2	448.0	264.4	339.2	196.8	319.4	194.7	138.4	187.2	363.2	178.6	(211.0)	76.0	81.5	92.8	108.3	101.9
Selling, General & Administrative Expenses - Other - Total	(11.7)	15.7	(31.3)	20.5	(6.6)	1.4	(1.7)	(20.6)	(9.7)	5.5	(72.6)	(1.2)	137.5	0.0	0.0	0.3	0.1	(0.2)	(0.5)	0.1
Operating Profit before Non-Recurring Income/(Expense)	3,496.0	(478.1)	1,368.2	2,891.3	414.6	595.9	2,362.8	830.1	423.6	91.9	767.1	500.8	(547.2)	(25.0)	88.5	20.7	48.2	50.7	79.1	93.0
Financing Income/(Expense) - Net - Total	(10.5)	(9.9)	(10.4)	(12.3)	(20.7)	(18.1)	(19.2)	(30.3)	(28.5)	(32.9)	(42.2)	(42.6)	(13.2)	(33.4)	(26.7)	(5.5)	(4.6)	(6.2)	(4.9)	(6.7)
Interest Expense - Net of (Interest Income)	10.5	9.9	10.4	12.3	20.7	18.1	19.2	30.3	28.5	32.9	42.2	42.6	13.2	33.4	26.7	5.5	4.6	6.2	4.9	6.7
Other Operating Expense	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	(0.0)	—	0.0
Interest Expense - Net of Capitalized Interest	10.5	9.9	10.4	12.3	20.7	18.1	19.2	30.3	28.5	32.9	42.2	42.6	13.2	33.4	26.7	5.5	4.6	6.2	4.9	6.7
Other Non-Operating Income/(Expense) - Total	1.0	3.4	(0.1)	3.2	(0.7)	3.2	3.4	8.1	13.6	(0.6)	7.2	2.2	4.0	0.5	5.7	0.0	(5.7)	7.0	1.1	0.0
Normalized Pre-tax Profit	3,486.5	(484.7)	1,357.7	2,882.2	393.3	581.0	2,347.1	807.9	408.7	58.4	732.1	460.4	(556.5)	(57.9)	—	15.2	37.9	51.6	75.3	86.4
Non-Recurring Income/Expense - Total	205.6	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.1	(0.0)	(0.0)	—
Impairment - Financial Investments	(205.6)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	(0.1)	0.0	0.0	—
Provision for Income Tax Expense- Unclassified	—	—	—	—	—	—	—	—	85.7	—	174.6	114.9	(306.8)	54.6	(36.6)	—	—	—	—	—
Income before Taxes	3,692.1	(484.7)	1,357.7	2,882.2	393.3	581.0	2,347.1	807.9	408.7	58.4	732.1	460.4	(556.5)	(57.9)	—	15.2	38.0	51.5	75.3	86.4
Income Taxes	735.4	239.0	370.9	330.9	13.9	170.6	597.2	191.4	85.7	25.2	174.6	114.9	(306.8)	54.6	(36.6)	5.0	3.0	19.3	23.2	25.9
Income Taxes for the Year - Current	(60.8)	471.8	276.2	356.2	143.3	161.5	246.0	110.2	—	82.5	—	—	—	—	—	3.7	7.8	9.1	13.2	15.2
Income Taxes - Other (KFAS/NLST) - Current	(60.8)	471.8	—	—	143.3	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Income Taxes - Deferred	796.2	(232.8)	94.7	(25.2)	(129.5)	9.0	351.2	81.2	—	(57.3)	—	—	—	—	—	1.4	(4.8)	10.3	10.0	10.8
Net Income after Tax	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	—	10.2	35.0	32.2	52.1	60.4
Income before Discontinued Operations & Extraordinary Items	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	35.0	32.2	52.1	60.4
Net Income before Minority Interest	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	—	10.2	35.0	32.2	52.1	60.4
Net Income after Minority Interest	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	—	10.2	35.0	32.2	52.1	60.4
Income Available to Common Shares	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	35.0	32.2	52.1	60.4
DPS - Common - Gross - Issue - By Period End Date Rs	—	—	0.00	—	1.00	—	1.00	—	2.00	—	—	—	—	—	0.00	0.00	0.50	0.00	0.00	0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	35.0	32.2	52.1	60.4
Income available to Common excluding Extraordinary Items	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	35.0	32.2	52.1	60.4
Shares used to calculate Basic EPS - Total mn	557.9	556.7	557.5	558.3	558.6	554.7	557.3	555.4	559.4	553.8	557.5	557.3	552.2	562.3	—	101.7	100.5	100.6	100.2	100.7
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs	4.93	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	—	(112.5)	—	10.2	35.0	32.2	52.1	60.4
Earnings Allocation Factor - Basic - Issue Specific	—	—	—	—	—	—	—	—	—	—	—	1.00×	—	—	—	1.00×	1.00×	1.00×	1.00×	1.00×
Shares used to calculate Basic EPS - Issue Specific mn	557.9	556.7	557.5	558.3	558.6	554.7	557.3	555.4	559.4	553.8	557.5	557.3	552.2	562.3	—	101.7	100.5	100.6	100.2	100.7
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs	4.93	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Basic from Discontinued Operations & Extraordinary Items Rs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—	0.00	0.00	0.00	0.00	0.00
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	35.0	32.2	52.1	60.4
Diluted Income available to Common excluding Extraordinary Items	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	35.0	32.2	52.1	60.4
Shares used to calculate Diluted EPS - Total mn	557.9	556.7	557.5	558.3	558.6	554.7	557.3	555.4	559.4	553.8	557.5	557.3	552.2	562.3	—	101.7	100.5	100.6	100.2	100.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs	4.93	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific	2,956.8	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	—	(112.5)	—	10.2	35.0	32.2	52.1	60.4
Earnings Allocation Factor - Diluted - Issue Specific	—	—	—	—	—	—	—	—	—	—	—	1.00×	—	—	—	1.00×	1.00×	1.00×	1.00×	1.00×
Shares used to calculate Diluted EPS - Issue Specific mn	557.9	556.7	557.5	558.3	558.6	554.7	557.3	555.4	559.4	553.8	557.5	557.3	552.2	562.3	—	101.7	100.5	100.6	100.2	100.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs	5.30	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs	4.93	(1.30)	1.77	4.57	0.68	0.74	3.14	1.11	0.58	0.06	1.00	0.62	(0.45)	(0.20)	—	0.10	0.35	0.32	0.52	0.60
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—	0.00	0.00	0.00	0.00	0.00
DPS - Common - Gross - Issue - By Announcement Date Rs	—	0.00	—	1.00	—	1.00	—	2.00	—	—	—	—	—	0.00	—	0.50	0.00	0.00	0.00	0.00
DPS - Common - Net - Issue - By Announcement Date Rs	—	0.00	—	0.90	—	0.90	—	1.80	—	—	—	—	—	0.00	—	0.45	0.00	0.00	0.00	0.00
Earnings before Interest & Taxes (EBIT)	3,496.0	(478.1)	1,368.2	2,891.3	414.6	595.9	2,362.8	830.1	423.6	91.9	767.1	500.8	(547.2)	(25.0)	88.5	20.7	48.2	50.7	79.1	93.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA)	3,530.1	(443.2)	1,395.2	2,920.3	446.0	624.9	2,387.4	863.6	492.0	109.2	785.0	521.0	(515.7)	(25.0)	—	24.6	52.4	54.8	81.2	97.3
Depreciation & Amortization - Supplemental	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.8	1.9	1.9	2.0	—
Depreciation Expense - Total - Supplemental	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.8	1.9	1.9	2.0	—
Depreciation - Financial Lease Right-of-Use Assets - Supplemental	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.8	1.9	1.9	2.0	—
Depreciation, Depletion & Amortization - Total	34.1	34.9	26.9	29.0	31.4	29.0	24.6	33.5	68.4	17.3	17.9	20.2	31.5	—	—	3.9	4.2	4.1	2.2	4.2
Depreciation - Total	33.7	34.3	26.6	28.7	30.5	28.4	24.0	32.9	67.5	17.0	17.6	19.8	31.1	—	—	3.8	4.0	4.0	2.1	4.2
Amortization of Intangible Assets excluding Goodwill - Total	0.4	0.5	0.3	0.4	0.9	0.5	0.5	0.6	0.9	0.3	0.2	0.4	0.3	—	—	0.1	0.2	0.1	0.1	0.0
Normalized after Tax Profit	2,751.1	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	—	10.2	34.9	32.2	52.1	60.4
Normalized Net Income from Continuing Operations	2,751.1	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	34.9	32.2	52.1	60.4
Normalized Net Income - Bottom Line	2,751.1	(723.7)	986.8	2,551.3	379.4	410.4	1,749.9	616.5	322.9	33.2	557.5	345.6	(249.7)	(112.5)	71.5	10.2	34.9	32.2	52.1	60.4
Earnings before Interest & Taxes (EBIT) - Normalized	3,497.0	(474.7)	1,368.1	2,894.5	413.9	599.1	2,366.2	838.2	437.2	91.3	774.4	503.0	(543.2)	(24.4)	—	20.7	42.5	57.7	80.2	93.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized	3,531.1	(439.9)	1,395.1	2,923.5	445.3	628.1	2,390.8	871.7	505.5	108.6	792.2	523.2	(511.8)	—	—	24.6	46.7	61.8	82.3	97.3
Depreciation of Financial Lease Right-of-Use Assets	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.8	1.9	1.9	2.0	—
Interest Expense	10.5	9.9	10.4	12.3	20.7	18.1	19.2	30.3	28.5	32.9	42.2	42.6	13.2	33.4	26.7	5.5	4.6	6.2	4.9	6.7
Operating Expenses	581.3	313.6	373.5	343.2	448.0	264.4	339.2	196.8	319.4	194.7	138.4	187.2	363.2	178.6	(211.0)	76.0	81.5	92.8	108.3	101.9
Selling, General & Administrative Expenses excluding Research & Development Expenses	581.3	313.6	373.5	343.2	448.0	264.4	339.2	196.8	319.4	194.7	138.4	187.2	363.2	178.6	(211.0)	76.0	81.5	92.8	108.3	101.9
Income before Taxes & Provision for Loan Losses	3,692.1	(484.7)	1,357.7	2,882.2	393.3	581.0	2,347.1	807.9	408.7	58.4	732.1	460.4	(556.5)	(57.9)	—	15.2	38.0	51.5	75.3	86.4
DPS - Common - Gross - Issue - By Payable Date Rs	0.00	—	1.00	—	—	1.00	2.00	—	—	—	—	—	—	0.00	—	0.00	0.00	0.00	0.00	0.00
DPS - Common - Gross - Issue - By Ex Date Rs	—	0.00	1.00	—	—	1.00	2.00	—	—	—	—	—	—	0.00	—	0.50	0.00	0.00	0.00	0.00
Tax Adjusted Operating Income	2,965.2	—	994.4	2,562.1	399.3	423.2	1,764.1	639.6	345.5	51.9	589.7	377.5	—	—	—	13.8	39.2	36.1	55.5	65.1
Operating Expenses excluding Non-Cash Charges - Total	547.1	278.7	346.6	314.2	416.6	235.5	314.6	163.3	251.1	177.4	120.6	167.0	331.7	—	—	72.1	77.3	88.7	106.2	97.7
Revenue Net of Interest Expense Before Loan Loss Provision	4,077.3	(164.5)	1,741.7	3,234.5	862.6	860.4	2,702.0	1,026.9	743.1	286.5	905.6	688.0	(184.0)	153.6	(122.5)	96.6	129.7	143.5	187.4	194.9
Income from Earning Assets	338.3	596.2	218.8	618.3	383.7	313.5	580.4	274.5	182.8	270.7	641.5	245.0	49.6	83.9	301.4	31.9	34.0	33.4	32.8	35.5
Income Available to Common Shares before Depreciation & Amortization	2,990.9	(688.8)	1,013.7	2,580.3	410.8	439.4	1,774.4	650.0	391.3	50.5	575.4	365.8	(218.2)	—	—	14.1	39.2	36.3	54.2	64.7
Fixed Charges	10.5	9.9	10.4	12.3	20.7	18.1	19.2	30.3	28.5	32.9	42.2	42.6	13.2	33.4	26.7	5.5	4.6	6.2	4.9	6.7
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×	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	—	1.00	—	1.00	—	2.00	—	—	—	—	—	0.00	—	0.50	0.00	0.00	0.00	0.00

Every line the company reported, in the original order and wording, without regrouping or signs changed.