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Commercial Banks

BAFL Bank Alfalah Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Last close · 16 Oct 2026

Rs 55.65 -0.22%

Annual · FY2006 – FY2025

Bank Alfalah Limited (BAFL) income statement

Bank Alfalah Limited reported total income of Rs 178.6 bn for FY2025 (Jan – Dec 2025), up 7.9% on FY2024. Net interest income was Rs 138.7 bn, up 8.3% on FY2024, with non-interest income of Rs 39.9 bn. Tax of Rs 34.1 bn took 55.0% of pre-tax profit. Profit attributable to shareholders was Rs 27.8 bn, down 30.2% on FY2024, or Rs 8.81 per share.

BAFL income statement (annual) (Rs bn)
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 359.8 508.4 413.0 215.0 100.7 92.9 92.9 60.0 56.6 57.6 61.8 55.9 44.4 46.4 44.5 37.7 35.8 31.3 25.9 21.2
Interest expense (221.1) (380.3) (286.1) (136.7) (54.1) (47.9) (47.6) (27.8) (27.2) (28.2) (32.8) (33.5) (27.1) (27.5) (25.7) (23.9) (24.7) (20.6) (16.6) (15.2)
Net interest income 138.7 128.1 127.0 78.4 46.5 45.0 45.2 32.3 29.4 29.5 28.9 22.4 17.4 18.9 18.8 13.8 11.1 10.7 9.2 6.0
Fee & commission income (net) 14.7 16.6 15.5 10.8 8.5 6.8 7.1 7.0 6.5 5.6 4.6 3.1 2.8 2.5 2.1 2.0 2.0 2.2 2.6 1.9
Foreign exchange income 12.1 9.5 9.2 9.2 4.1 3.4 2.8 2.2 1.4 1.0 1.4 2.0 1.5 1.3 1.1 1.1 1.0 0.9 0.5 0.4
Gain / (loss) on securities 11.5 9.9 0.3 (0.2) 3.1 2.3 0.1 0.9 0.8 1.5 1.8 1.2 1.6 1.3 0.1 0.1 0.7 0.2 2.0 —
Total non-interest income 39.9 37.4 26.7 20.2 16.0 12.5 10.0 10.2 8.8 8.1 7.7 6.4 5.9 5.2 3.4 3.2 3.7 3.4 5.1 2.3
Total income 178.6 165.5 153.7 98.6 62.6 57.5 55.2 42.5 38.2 37.6 36.7 28.7 23.3 24.1 22.2 17.1 14.7 14.1 14.3 8.2
Operating expenses (120.0) (86.2) (78.0) (60.4) (39.5) (40.1) (32.0) (25.2) (24.5) (24.7) (24.1) (20.3) (16.4) (15.6) (14.3) (13.8) (13.3) (11.2) (9.8) (5.7)
Provisions & impairment (loans) 2.1 1.3 9.7 8.6 1.5 8.0 1.8 0.1 (0.7) 0.8 2.2 1.4 1.0 1.8 1.9 2.2 3.2 2.1 2.4 0.7
Profit before tax 62.0 85.2 78.7 36.7 23.9 18.4 22.9 18.2 14.1 13.4 12.7 8.5 6.8 6.8 5.4 2.1 0.4 0.2 5.0 1.9
Taxation (34.1) (45.4) (42.7) (18.3) (9.4) (7.6) (9.9) (7.2) (5.7) (5.4) (5.1) (2.9) (2.1) (2.2) (1.9) 0.2 (1.1) (0.2) (1.5) (0.6)
Profit after tax 27.9 39.9 36.1 18.4 14.5 10.8 13.0 11.0 8.4 7.9 7.5 5.6 4.7 4.6 3.5 2.2 (0.6) 0.0 3.5 1.3
Profit attributable to shareholders 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9 7.5 5.6 4.7 4.6 3.5 2.2 (0.6) 0.0 3.5 1.3
Per share
EPS – basic (Rs) Rs 8.81 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.41 2.24 2.14 1.86 1.58 1.54 1.18 0.76 (0.23) 0.01 1.53 0.63
EPS – diluted (Rs) Rs 8.81 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.40 2.24 2.14 1.85 1.58 1.54 1.18 0.40 (0.04) 0.01 1.53 0.63
Dividend per share (Rs) Rs 5.25 4.25 4.00 2.50 2.00 2.00 2.00 1.20 0.68 0.00 0.45 0.91 0.91 0.91 0.80 0.00 0.36 0.00 0.43 0.00
Weighted average shares mn 3,154.3 3,154.3 3,154.3 3,545.3 3,554.3 3,554.3 3,552.4 3,547.3 3,533.2 3,522.3 3,500.0 3,031.2 2,968.1 2,968.1 2,968.1 2,968.1 2,788.6 2,285.2 2,285.2 2,130.9
BAFL income statement — year-on-year change (Rs mn)
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 -29.2% +23.1% +92.1% +113.6% +8.3% +0.1% +54.7% +6.0% -1.7% -6.7% +10.5% +25.7% -4.3% +4.4% +18.1% +5.4% +14.2% +21.0% +21.8% —
Interest expense -41.9% +33.0% +109.3% +152.4% +13.0% +0.6% +71.6% +2.0% -3.4% -14.2% -2.1% +23.8% -1.6% +7.1% +7.7% -3.5% +20.2% +23.5% +9.3% —
Net interest income +8.3% +0.9% +62.0% +68.4% +3.4% -0.5% +40.1% +9.6% -0.1% +1.8% +29.4% +28.7% -8.2% +0.7% +36.0% +25.1% +2.8% +16.5% +53.8% —
Fee & commission income (net) -11.0% +7.1% +42.7% +26.8% +25.5% -4.6% +1.9% +7.1% +17.2% +22.1% +46.5% +11.4% +10.4% +18.1% +5.5% +3.1% -10.7% -13.4% +37.1% —
Foreign exchange income +26.6% +3.5% +0.0% +123.3% +21.5% +20.2% +29.5% +51.3% +43.8% -27.2% -32.5% +33.0% +17.3% +17.4% -1.6% +11.2% +11.5% +92.8% +22.6% —
Gain / (loss) on securities +15.9% +3,261.2% — -105.2% +37.6% +3,390.7% -93.1% +19.4% -47.6% -13.9% +44.8% -23.7% +20.1% +930.3% +83.1% -89.8% +185.7% -88.1% — —
Total non-interest income +6.7% +39.9% +32.3% +26.2% +28.4% +25.2% -2.0% +15.8% +8.4% +5.1% +20.9% +7.5% +14.6% +52.6% +4.7% -12.1% +9.4% -33.4% +124.8% —
Total income +7.9% +7.7% +55.9% +57.6% +8.8% +4.1% +30.0% +11.1% +1.7% +2.5% +27.5% +23.3% -3.3% +8.6% +30.1% +15.8% +4.4% -1.2% +73.2% —
Operating expenses +39.1% +10.6% +29.1% +52.7% -1.5% +25.6% +27.0% +2.6% -0.7% +2.4% +18.9% +23.9% +5.1% +9.0% +3.9% +3.9% +17.9% +15.2% +71.5% —
Provisions & impairment (loans) +64.3% -87.0% +12.8% +488.8% -81.7% +334.1% +1,528.1% — -182.0% -61.8% +48.5% +51.0% -48.2% -1.1% -16.5% -29.4% +53.8% -13.1% +226.7% —
Profit before tax -27.3% +8.3% +114.7% +53.4% +29.6% -19.5% +26.0% +29.2% +5.4% +5.5% +48.7% +25.1% +0.4% +24.8% +163.1% +371.8% +107.2% -95.8% +162.5% —
Taxation -24.9% +6.4% +133.3% +93.5% +24.3% -23.1% +37.4% +27.1% +4.5% +5.3% +79.0% +34.8% -4.3% +15.4% — -114.2% +414.7% -86.1% +157.7% —
Profit after tax -30.1% +10.5% +96.1% +27.2% +33.4% -16.8% +18.6% +30.7% +6.0% +5.7% +33.2% +20.6% +2.6% +30.1% +58.0% — -23,210.4% -99.9% +164.6% —
Profit attributable to shareholders -30.2% +9.2% +98.5% +27.4% +33.3% -17.0% +19.7% +28.0% +7.9% +5.2% +33.0% +20.6% +2.6% +30.1% +56.0% — -2,306.3% -99.2% +163.0% —
Per share
EPS – basic (Rs) -30.2% +9.2% +123.1% +27.7% +33.3% -17.0% +19.5% +27.5% +7.6% +4.5% +15.2% +18.1% +2.6% +30.1% +56.0% — -1,908.1% -99.2% +145.3% —
EPS – diluted (Rs) -30.2% +9.2% +123.1% +27.7% +33.3% -17.0% +19.7% +27.7% +7.3% +4.5% +15.6% +17.7% +2.6% +30.1% +193.3% — -378.7% -99.2% +145.3% —
Dividend per share (Rs) +23.5% +6.3% +60.0% +25.0% 0.0% 0.0% +66.0% +76.7% — -100.0% -50.0% 0.0% 0.0% +14.3% — -100.0% — -100.0% — —
Weighted average shares — — — — — — — — — — — — — — — — — — — —

Change against the previous fiscal year; shown when the earlier figure is positive.

BAFL income statement — common size (Rs mn)
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 201.4% 307.2% 268.7% 218.1% 160.9% 161.7% 168.2% 141.4% 148.2% 153.4% 168.5% 194.4% 190.7% 192.6% 200.4% 220.8% 242.6% 221.7% 181.1% 257.4%
Interest expense (123.8%) (229.8%) (186.1%) (138.6%) (86.6%) (83.4%) (86.3%) (65.4%) (71.2%) (74.9%) (89.5%) (116.6%) (116.1%) (114.1%) (115.7%) (139.8%) (167.6%) (145.6%) (116.5%) (184.7%)
Net interest income 77.6% 77.4% 82.6% 79.5% 74.4% 78.3% 82.0% 76.0% 77.0% 78.4% 79.0% 77.8% 74.5% 78.5% 84.7% 81.0% 75.0% 76.1% 64.6% 72.7%
Fee & commission income (net) 8.3% 10.0% 10.1% 11.0% 13.7% 11.8% 12.9% 16.5% 17.1% 14.9% 12.5% 10.9% 12.0% 10.5% 9.7% 11.9% 13.4% 15.7% 17.9% 22.6%
Foreign exchange income 6.8% 5.8% 6.0% 9.4% 6.6% 5.9% 5.1% 5.1% 3.8% 2.7% 3.8% 7.1% 6.6% 5.4% 5.0% 6.6% 6.9% 6.5% 3.3% 4.7%
Gain / (loss) on securities 6.5% 6.0% 0.2% (0.2%) 5.0% 4.0% 0.1% 2.2% 2.1% 4.0% 4.8% 4.2% 6.9% 5.5% 0.6% 0.4% 4.7% 1.7% 14.2% —
Total non-interest income 22.4% 22.6% 17.4% 20.5% 25.6% 21.7% 18.0% 24.0% 23.0% 21.6% 21.0% 22.2% 25.5% 21.5% 15.3% 19.0% 25.0% 23.9% 35.4% 27.3%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (67.2%) (52.1%) (50.7%) (61.2%) (63.2%) (69.8%) (57.9%) (59.3%) (64.2%) (65.8%) (65.9%) (70.6%) (70.3%) (64.7%) (64.5%) (80.7%) (89.9%) (79.6%) (68.3%) (69.0%)
Provisions & impairment (loans) 1.2% 0.8% 6.3% 8.8% 2.3% 13.9% 3.3% 0.3% (1.8%) 2.2% 5.9% 5.0% 4.1% 7.7% 8.4% 13.1% 21.5% 14.6% 16.6% 8.8%
Profit before tax 34.7% 51.5% 51.2% 37.2% 38.2% 32.1% 41.5% 42.8% 36.8% 35.5% 34.5% 29.6% 29.2% 28.1% 24.5% 12.1% 3.0% 1.5% 35.0% 23.1%
Taxation (19.1%) (27.4%) (27.7%) (18.5%) (15.1%) (13.2%) (17.9%) (16.9%) (14.8%) (14.4%) (14.0%) (10.0%) (9.1%) (9.2%) (8.7%) 0.9% (7.3%) (1.5%) (10.5%) (7.0%)
Profit after tax 15.6% 24.1% 23.5% 18.7% 23.1% 18.9% 23.6% 25.9% 22.0% 21.1% 20.5% 19.6% 20.1% 18.9% 15.8% 13.0% (4.3%) 0.0% 24.5% 16.1%
Profit attributable to shareholders 15.6% 24.1% 23.8% 18.7% 23.1% 18.8% 23.6% 25.7% 22.3% 21.0% 20.5% 19.6% 20.1% 18.9% 15.8% 13.2% (4.3%) 0.2% 24.5% 16.2%

Each line as a percentage of total income.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 154
BAFL income statement — all reported line items (Rs bn)
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 138.7 128.1 127.0 78.4 46.5 45.0 45.2 32.3 29.4 29.5
Interest & Dividend Income - Finance - Total 359.8 508.4 413.0 215.0 100.7 92.9 92.9 60.0 56.6 57.6
Interest Income - Loans/Deposits 129.4 148.1 133.3 85.9 50.2 54.6 71.3 40.6 30.9 26.8
Interest & Fees on Loans & Receivables 120.4 137.5 116.2 78.2 46.5 49.2 58.6 37.2 28.3 23.9
Interest Income - Deposits to Other Financial Institutions 4.8 6.2 5.0 2.3 2.2 3.8 5.7 1.6 2.1 2.6
Interest & Dividend Income - Other - Finance 2.8 1.3 1.0 1.1 0.5 0.3 0.3 0.4 0.5 0.5
Interest Income - Collateralized Financing 4.3 4.4 12.1 5.5 1.5 1.6 7.1 1.7 0.5 0.3
Interest & Dividend Income - Investment Securities - Finance 227.5 359.1 278.7 128.0 50.0 38.0 21.2 19.1 25.3 30.4
Net Commission & Fees Income/Expense - Business Revenue 14.7 16.6 15.5 10.8 8.5 6.8 7.1 7.0 6.5 5.6
Fees & Commissions Income 16.4 18.0 16.5 11.3 8.5 6.8 7.1 7.0 6.5 5.6
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 227.5 359.1 278.7 128.0 50.0 38.0 21.2 19.1 25.3 30.4
Fees & Commissions Expense 1.7 1.4 1.0 0.4 — — — — — —
Investments & Loans - Business - Gain/(Loss) 12.4 11.3 2.1 0.2 3.3 2.3 (0.0) 1.0 0.8 1.5
Interest Expense - Finance - Total 221.1 380.3 286.1 136.7 54.1 47.9 47.6 27.8 27.2 28.2
Interest Expense - Operational Financing - Business 199.4 354.0 261.1 123.4 44.4 40.8 42.7 25.5 25.5 25.7
Interest Expense - Deposits 118.5 223.8 167.5 76.4 30.7 31.4 35.2 19.7 15.8 18.6
Investment Securities - Business - Gain/(Loss) 11.5 9.9 0.3 (0.2) 3.1 2.3 0.1 0.9 0.8 1.5
Interest Expense - Collateralized Financing 77.3 123.1 88.5 43.6 11.3 5.6 2.3 4.4 8.8 7.2
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 12.1 10.0 0.7 (0.1) 3.6 2.2 0.1 1.0 0.9 1.5
Interest Expenses - Other - Total 3.6 7.0 5.1 3.4 2.5 3.8 5.2 1.4 0.9 0.0
Interest Expense - External Financing Business 21.6 26.3 24.9 13.3 9.7 7.2 5.0 2.3 1.7 2.4
Non-Interest Business Revenue/(Expense) - Net - Total 39.9 37.4 26.7 20.2 16.0 12.5 10.0 10.2 8.8 8.1
Derivatives - Hedging - Business - Gain/(Loss) 0.9 1.4 1.8 0.3 0.2 (0.0) (0.1) 0.0 — —
Net Foreign Exchange Income/(Expense) - Business Revenue 12.1 9.5 9.2 9.2 4.1 3.4 2.8 2.2 1.4 1.0
Trading Investments/Trading Account Income - Gain/(Loss) (0.6) (0.0) (0.4) (0.0) (0.4) 0.1 (0.0) (0.0) (0.1) 0.0
Trading Investments - Unrealized Gain/(Loss) (0.6) (0.0) (0.4) (0.0) (0.4) 0.1 (0.0) (0.0) (0.1) 0.0
Net Income/(Expense) from Insurance - Bank 0.7 — — — — — — — — —
Revenue from Business Activities - Total 178.6 165.5 153.7 98.6 62.6 57.5 55.2 42.5 38.2 37.6
Selling, General & Administrative Expenses - Total 114.6 55.0 42.0 30.1 23.2 20.1 19.0 15.8 15.7 16.2
Selling, General & Administrative Expenses - Unclassified 36.2 — — — — — — — — —
Depreciation in Selling, General & Administrative Expenses 10.7 8.7 6.9 5.4 4.4 3.9 3.4 1.7 1.8 1.7
Amortization of Intangibles in Selling, General & Administrative Expenses 0.4 0.4 0.3 0.4 0.4 0.4 0.5 0.5 0.4 0.4
Other Operating Expense/(Income) - Net 3.3 30.0 26.3 21.6 14.9 12.0 11.1 9.3 9.5 7.7
Other Operating Income - Total 0.0 0.0 0.0 — 0.0 0.0 0.0 0.0 0.0 0.1
Operating Expenses - Total 120.0 86.2 78.0 60.4 39.5 40.1 32.0 25.2 24.5 24.7
Provision & Impairment for Loan Losses 2.1 1.3 9.7 8.6 1.5 8.0 1.8 0.1 (0.7) 0.8
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 51.5 41.6 30.8 22.5 17.6 15.0 13.5 10.8 10.6 9.7
Selling, General & Administrative Expenses - Other - Total 15.8 4.3 3.9 1.8 0.8 0.7 1.6 2.7 2.8 4.5
Advertising Expense 15.3 3.9 3.7 1.6 0.6 0.6 1.4 0.6 0.7 0.9
Operating Profit before Non-Recurring Income/(Expense) 58.6 79.3 75.8 38.2 23.0 17.3 23.2 17.3 13.7 12.9
Property & Other Taxes 0.5 0.4 0.2 0.2 0.1 0.1 0.2 2.1 2.0 3.6
Other Operating Expense 1.5 30.6 24.7 20.3 13.9 11.9 10.9 9.3 9.6 7.9
Operating Provisions - Increase/(Decrease) 1.8 (0.7) 1.6 1.3 1.0 0.1 0.2 (0.0) (0.0) (0.1)
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.1 0.1 0.2 0.2 0.1 0.1 0.2 0.2 0.1 0.1
Equity Earnings/(Loss) - before Taxes including Non-Recurring 1.3 1.2 1.7 0.7 0.6 0.6 0.5 0.6 0.4 0.5
Sale of Leased Fixed Assets - Gain/(Loss) (0.0) 0.0 0.0 0.1 0.1 0.1 0.0 0.0 0.0 —
Normalized Pre-tax Profit 60.0 80.7 77.7 39.1 23.7 18.1 24.0 18.1 14.2 13.4
Non-Recurring Income/Expense - Total 2.0 4.6 1.1 (2.4) 0.2 0.4 (1.0) 0.1 (0.1) (0.1)
Impairment - Financial Investments (0.5) (0.3) (1.0) 2.5 (0.2) (0.5) 1.0 (0.1) 0.1 0.1
Restructuring Charges 0.2 — — 0.0 0.0 0.2 0.0 0.0 — —
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.2 0.1 0.1 0.1 0.0 — — — — —
Fair Value Adjustments - Financial Investments 1.4 4.2 0.0 — — — — — — —
Non-Recurring Income/(Expense) - Other - Total — — — 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Income before Taxes 62.0 85.2 78.7 36.7 23.9 18.4 22.9 18.2 14.1 13.4
Income Taxes 34.1 45.4 42.7 18.3 9.4 7.6 9.9 7.2 5.7 5.4
Income Taxes for the Year - Current 36.5 42.5 42.0 22.2 9.8 9.6 9.9 7.6 5.0 4.7
Income Taxes - Deferred (6.0) 5.2 (1.0) (1.3) 0.2 (1.9) (0.5) (0.2) 2.5 1.1
Income Taxes - Other (by Type) 3.6 (2.3) 1.7 (2.6) (0.5) (0.0) 0.6 (0.2) (1.9) (0.4)
Net Income after Tax 27.9 39.9 36.1 18.4 14.5 10.8 13.0 11.0 8.4 7.9
Income before Discontinued Operations & Extraordinary Items 27.9 39.9 36.1 18.4 14.5 10.8 13.0 11.0 8.4 7.9
Net Income before Minority Interest 27.8 39.9 36.1 18.4 14.5 10.8 13.0 11.0 8.6 7.9
Minority Interest (0.0) 0.0 (0.4) 0.0 0.0 0.0 (0.0) 0.1 0.1 0.0
Net Income after Minority Interest 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9
Income Available to Common Shares 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9
Extraordinary Activities - after Tax - Gain/(Loss) (0.1) — — — — — — — 0.2 —
Discontinued Operations - Net of Taxes - Total - Income/(Expense) (0.1) — — — — — — — 0.2 —
Other Comprehensive Income - Starting Line 27.8 39.9 36.1 18.4 14.5 10.8 13.0 11.0 — —
Discontinued Operations - Net - Income/(Expense) (0.1) — — — — — — — 0.2 —
Other Comprehensive Income - Foreign Currency (3.9) (1.8) 3.5 2.5 0.9 0.6 1.7 3.0 — —
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 8.8 11.9 6.6 (6.3) (4.5) (0.8) 4.0 (2.6) — —
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets (0.1) 5.6 (0.1) (0.1) 5.4 (0.1) (0.1) 2.7 — —
Other Comprehensive Income - Other 0.1 0.2 0.0 0.0 (0.0) 0.0 0.1 0.0 — —
Other Comprehensive Income - Associated Companies (0.0) 0.0 0.0 (0.0) (0.0) 0.0 — — — —
Other Comprehensive Income - Pension Related 0.5 0.5 0.1 (0.3) 0.0 (0.2) 0.1 0.1 — —
Other Comprehensive Income - Net of Tax - Total 5.4 16.5 10.1 (4.2) 1.8 (0.5) 5.8 3.2 — —
Comprehensive Income before Minority Interest - Total 33.2 56.4 46.2 14.2 16.3 10.4 18.8 14.2 — —
Comprehensive Income - Attributable to Minority Interest - Total (0.0) 0.0 (0.4) 0.0 0.0 0.0 (0.0) 0.1 — —
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 33.2 56.4 46.7 14.2 16.2 10.4 18.8 14.1 — —
DPS - Common - Gross - Issue - By Period End Date Rs 5.25 4.25 4.00 2.50 2.00 2.00 2.00 1.20 0.68 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9
Income available to Common excluding Extraordinary Items 27.9 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.3 7.9
Shares used to calculate Basic EPS - Total mn 3,154.3 3,154.3 3,154.3 3,545.3 3,554.3 3,554.3 3,552.4 3,547.3 3,533.2 3,522.3
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 8.81 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.41 2.24
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 8.84 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.35 2.24
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 8.22 11.18 11.23 5.86 4.00 2.95 3.97 3.05 2.38 2.26
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9
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 3,154.3 3,154.3 3,154.3 3,545.3 3,554.3 3,554.3 3,552.4 3,547.3 3,533.2 3,522.3
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 8.81 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.41 2.24
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 8.84 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.35 2.24
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 8.22 11.18 11.23 5.86 4.00 2.95 3.97 3.05 2.38 2.26
EPS - Basic from Discontinued Operations & Extraordinary Items Rs (0.02) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 10.52 17.87 14.79 4.01 4.57 2.92 5.30 3.97 — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9
Diluted Income available to Common excluding Extraordinary Items 27.9 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.3 7.9
Shares used to calculate Diluted EPS - Total mn 3,154.3 3,154.3 3,154.3 3,545.3 3,554.3 3,554.3 3,552.4 3,551.5 3,544.4 3,522.3
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 8.81 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.40 2.24
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 8.84 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.38 2.24
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 8.22 11.18 11.23 5.86 4.00 2.95 3.97 3.05 2.37 2.26
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9
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 3,154.3 3,154.3 3,154.3 3,545.3 3,554.3 3,554.3 3,552.4 3,551.5 3,544.4 3,522.3
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 8.81 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.40 2.24
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 8.84 12.63 11.58 5.19 4.06 3.05 3.67 3.07 2.38 2.24
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 8.22 11.18 11.23 5.86 4.00 2.95 3.97 3.05 2.37 2.26
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs (0.02) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 10.52 17.87 14.79 4.01 4.57 2.92 5.30 3.96 — —
DPS - Common - Gross - Issue - By Announcement Date Rs 5.00 5.50 2.75 2.25 2.00 2.00 1.75 1.14 0.00 0.45
DPS - Common - Net - Issue - By Announcement Date Rs 4.50 4.95 2.48 2.03 1.80 1.80 1.58 1.02 0.00 0.41
Earnings before Interest & Taxes (EBIT) 58.6 79.3 75.8 38.2 23.0 17.3 23.2 17.3 13.7 12.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 69.7 88.4 83.0 44.0 27.8 21.7 27.1 19.5 16.0 14.9
Depreciation & Amortization - Supplemental 11.1 9.1 7.2 5.8 4.8 4.4 3.9 2.2 2.3 2.1
Depreciation Expense - Total - Supplemental 10.7 8.7 6.9 5.4 4.4 3.9 3.4 1.7 1.8 1.7
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 4.6 3.9 3.4 2.7 2.3 2.0 1.8 0.0 — —
Amortization - Total - Supplemental 0.4 0.4 0.3 0.4 0.4 0.4 0.5 0.5 0.4 0.4
Intangible Amortization - Other - Supplemental 0.4 0.4 0.3 0.4 0.4 0.4 0.5 0.5 0.4 0.4
Depreciation, Depletion & Amortization - Total 11.1 9.1 7.2 5.8 4.8 4.4 3.9 2.2 2.3 2.1
Depreciation - Total 10.7 8.7 6.9 5.4 4.4 4.0 3.4 1.7 1.8 1.7
Amortization of Intangible Assets excluding Goodwill - Total 0.4 0.4 0.3 0.4 0.4 0.4 0.5 0.5 0.4 0.4
Labor & Related Expenses - Total 51.5 41.6 30.8 22.5 17.6 15.0 13.5 10.8 10.6 9.7
Labor & Related Expenses - Supplemental 51.5 41.6 30.8 22.5 17.6 15.0 13.5 10.8 10.6 9.7
Auditor Fees 0.2 0.3 0.2 0.1 0.0 0.0 0.0 0.0 0.0 0.0
Audit-Related Fees 0.2 0.3 0.2 0.1 0.0 0.0 0.0 0.0 0.0 0.0
Tax Fees — — — — — — — — — 0.0
Fees - Other — — — — — 0.0 0.0 0.0 0.0 0.0
Normalized after Tax Profit 25.9 35.3 35.0 20.8 14.3 10.5 14.1 10.9 8.5 8.0
Normalized Net Income from Continuing Operations 25.9 35.3 35.0 20.8 14.3 10.5 14.1 10.9 8.5 8.0
Normalized Net Income - Bottom Line 25.9 35.3 35.4 20.8 14.2 10.5 14.1 10.8 8.4 8.0
Earnings before Interest & Taxes (EBIT) - Normalized 60.0 80.7 77.7 39.1 23.7 18.1 24.0 18.1 14.2 13.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 71.1 89.7 84.9 44.8 28.5 22.5 27.8 20.3 16.4 15.5
Loan Losses - Net 0.4 1.9 1.0 0.2 (1.8) 8.2 2.1 0.3 (0.4) 1.1
Loan Recoveries - Actual 0.8 0.6 0.8 0.3 1.9 2.0 2.0 2.7 2.8 2.5
Loan Losses - Actual 1.3 2.5 1.7 0.5 0.1 10.2 4.1 3.0 2.4 3.6
Interest Expense on Financial Lease Liabilities - Supplemental 4.3 3.5 2.7 1.9 1.5 1.3 1.2 — — —
Advertising Expenses - Supplemental 15.3 3.9 3.7 1.6 0.6 0.6 1.4 0.6 0.7 0.9
Interest Expense 221.1 380.3 286.1 136.7 54.1 47.9 47.6 27.8 27.2 28.2
Interest & Dividend Income after Loan Loss Provision - Net - Finance 136.6 126.8 117.2 69.7 45.1 37.0 43.4 32.2 30.1 28.6
Revenue after Loan Provisions - Net - Finance 357.7 507.2 403.3 206.4 99.2 84.9 91.0 59.9 57.3 56.8
Operating Expenses 120.0 86.2 78.0 60.4 39.5 40.1 32.0 25.2 24.5 24.7
Foreign Exchange Gain/(Loss) 12.1 9.5 9.2 9.2 4.1 3.4 2.8 2.2 1.4 1.0
Selling, General & Administrative Expenses excluding Research & Development Expenses 114.6 55.0 42.0 30.1 23.2 20.1 19.0 15.8 15.7 16.2
Investment Gain/(Loss) 14.3 11.3 1.3 0.9 3.6 2.6 0.4 1.3 1.3 2.0
Non-Interest Expense - Bank 114.6 79.0 65.3 53.3 37.2 31.0 30.4 24.2 24.8 23.4
Income before Taxes & Provision for Loan Losses 64.0 86.5 88.5 45.3 25.4 26.4 24.8 18.3 13.4 14.2
DPS - Common - Gross - Issue - By Payable Date Rs 5.00 5.50 2.75 2.25 2.00 3.00 0.75 1.14 0.00 0.45
DPS - Common - Gross - Issue - By Ex Date Rs 5.00 5.50 2.75 2.25 2.00 2.00 1.75 1.14 0.00 0.45
Tax Adjusted Operating Income 27.8 39.9 36.5 18.4 14.4 10.8 13.0 10.9 8.5 7.9
Operating Expenses excluding Non-Cash Charges - Total 108.9 77.2 70.7 54.6 34.7 35.7 28.1 22.9 22.3 22.7
Revenue Net of Interest Expense Before Loan Loss Provision 178.6 165.5 153.7 98.6 62.6 57.5 55.2 42.5 38.2 37.6
Income from Earning Assets 382.8 527.9 422.2 224.1 107.5 98.7 95.7 63.1 58.8 60.1
Income Available to Common Shares before Depreciation & Amortization 38.9 48.9 43.7 24.2 19.2 15.2 16.9 13.1 10.8 10.0
Commissions and Fees 15.5 16.6 15.5 10.8 8.5 6.8 7.1 7.0 6.5 5.6
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 5.00 5.50 2.75 2.25 2.00 2.00 1.75 1.14 0.00 0.45

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.