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Commercial Banks

BAFL Bank Alfalah Limited

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

Watch BAFL · free results alerts

Last close · 16 Oct 2026

Rs 55.65 -0.22%

Quarterly · Q3 FY2021 – Q2 FY2026

Bank Alfalah Limited (BAFL) quarterly income statement

Bank Alfalah Limited reported total income of Rs 51.2 bn for Q2 FY2026 (Apr – Jun 2026), up 6.2% on Q2 FY2025. Net interest income was Rs 36.9 bn, up 5.9% on Q2 FY2025, with non-interest income of Rs 14.2 bn. Tax of Rs 11.4 bn took 53.0% of pre-tax profit. Profit attributable to shareholders was Rs 10.2 bn, up 27.1% on Q2 FY2025, or Rs 3.22 per share.

BAFL income statement (quarterly) (Rs bn)
Rs bn TTM to Jun 2026 Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Interest & dividend income 344.9 100.3 74.6 86.9 83.0 93.8 96.0 120.0 133.2
Interest expense (203.0) (63.4) (39.5) (51.7) (48.4) (58.9) (61.9) (88.2) (98.4)
Net interest income 141.8 36.9 35.1 35.2 34.7 34.9 34.1 31.8 34.8
Fee & commission income (net) 16.9 4.1 4.2 4.5 4.2 4.0 3.7 4.4 4.0
Foreign exchange income 13.8 4.3 2.8 3.1 3.6 3.2 2.1 1.8 2.5
Gain / (loss) on securities 21.3 5.5 12.6 1.3 1.9 6.8 1.5 1.3 3.0
Total non-interest income 53.1 14.2 19.9 8.8 10.2 13.3 8.4 7.4 9.6
Total income 195.0 51.2 55.0 44.0 44.9 48.2 42.5 39.2 44.4
Operating expenses (126.6) (31.7) (31.1) (32.0) (31.7) (30.9) (26.3) (27.0) (21.8)
Provisions & impairment (loans) 1.2 0.8 (1.3) 1.2 0.4 1.8 (1.3) 0.5 0.2
Profit before tax 72.7 21.6 23.3 14.0 13.8 18.5 15.6 16.8 26.1
Taxation (38.8) (11.4) (12.3) (7.6) (7.5) (10.5) (8.5) (12.1) (12.8)
Profit after tax 33.9 10.2 11.0 6.4 6.3 8.1 7.1 4.6 13.3
Profit attributable to shareholders 33.9 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Per share
EPS – basic (Rs) Rs 10.74 3.22 3.48 2.03 2.01 2.53 2.24 1.47 4.21
EPS – diluted (Rs) Rs 10.74 3.22 3.48 2.03 2.01 2.53 2.24 1.47 4.21
Dividend per share (Rs) Rs 5.75 1.50 1.50 1.50 1.25 1.25 1.25 1.25 1.00
Weighted average shares mn 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3
BAFL income statement — year-on-year change (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Interest & dividend income +6.9% -22.3% -27.6% -37.6% -27.4% -26.3% -4.8% +21.0%
Interest expense +7.6% -36.1% -41.3% -50.8% -39.5% -37.3% -2.8% +26.1%
Net interest income +5.9% +2.8% +10.4% -0.3% +9.5% +8.1% -10.0% +8.6%
Fee & commission income (net) +3.2% +14.4% +1.9% +4.8% -24.1% -23.7% -19.7% -0.5%
Foreign exchange income +34.3% +30.3% +76.6% +41.7% +7.9% -5.5% +4.6% +4.9%
Gain / (loss) on securities -19.1% +734.6% -6.1% -36.0% +397.9% +93.6% -35.9% —
Total non-interest income +6.9% +136.3% +19.2% +6.1% +27.5% +0.3% -25.3% +82.4%
Total income +6.2% +29.2% +12.1% +1.1% +14.0% +6.5% -13.3% +19.1%
Operating expenses +2.5% +18.3% +18.9% +45.6% +43.9% +32.4% +26.4% +5.6%
Provisions & impairment (loans) -52.8% — +132.3% +72.0% +315.5% -2,179.7% +58.7% -94.3%
Profit before tax +16.5% +49.0% -16.4% -47.1% -17.9% -21.2% -33.3% +50.5%
Taxation +9.3% +43.8% -37.1% -41.6% -1.0% -13.6% -26.6% +50.6%
Profit after tax +25.8% +55.3% +37.9% -52.4% -32.7% -28.7% -46.2% +50.4%
Profit attributable to shareholders +27.1% +55.3% +38.0% -52.3% -33.3% -28.9% -48.7% +50.1%
Per share
EPS – basic (Rs) +27.1% +55.3% +38.0% -52.3% -33.3% -28.9% -48.7% +50.1%
EPS – diluted (Rs) +27.1% +55.3% +38.0% -52.3% -33.3% -28.9% -48.7% +50.1%
Dividend per share (Rs) +20.0% +20.0% +20.0% +25.0% +25.0% +25.0% -50.0% —
Weighted average shares — — — — — — — —

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

BAFL income statement — common size (Rs mn)
Rs mn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Interest & dividend income 196.1% 135.7% 197.7% 185.0% 194.6% 225.7% 305.9% 300.0%
Interest expense (123.8%) (71.9%) (117.7%) (107.8%) (122.2%) (145.5%) (224.7%) (221.7%)
Net interest income 72.2% 63.8% 80.0% 77.2% 72.4% 80.2% 81.2% 78.3%
Fee & commission income (net) 8.0% 7.6% 10.1% 9.3% 8.3% 8.6% 11.2% 8.9%
Foreign exchange income 8.4% 5.1% 7.2% 8.0% 6.7% 5.0% 4.5% 5.7%
Gain / (loss) on securities 10.8% 23.0% 2.9% 4.3% 14.1% 3.6% 3.4% 6.8%
Total non-interest income 27.8% 36.2% 20.0% 22.8% 27.6% 19.8% 18.8% 21.7%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (62.0%) (56.6%) (72.9%) (70.6%) (64.2%) (61.8%) (68.7%) (49.0%)
Provisions & impairment (loans) 1.7% (2.3%) 2.7% 0.9% 3.7% (3.0%) 1.3% 0.5%
Profit before tax 42.2% 42.3% 31.9% 30.7% 38.5% 36.7% 42.7% 58.7%
Taxation (22.4%) (22.3%) (17.3%) (16.6%) (21.7%) (20.1%) (30.9%) (28.8%)
Profit after tax 19.8% 20.0% 14.6% 14.1% 16.7% 16.6% 11.8% 29.9%
Profit attributable to shareholders 19.8% 20.0% 14.6% 14.1% 16.6% 16.6% 11.8% 29.9%

Each line as a percentage of total income.

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

All reported line items 155
BAFL income statement — all reported line items (Rs bn)
Rs bn Q2 FY2026 Apr – Jun 2026 Q1 FY2026 Jan – Mar 2026 Q4 FY2025 Oct – Dec 2025 Q3 FY2025 Jul – Sep 2025 Q2 FY2025 Apr – Jun 2025 Q1 FY2025 Jan – Mar 2025 Q4 FY2024 Oct – Dec 2024 Q3 FY2024 Jul – Sep 2024
Interest & Dividend Income/(Expense) - Net - Finance 36.9 35.1 35.2 34.7 34.9 34.1 31.8 34.8
Interest & Dividend Income - Finance - Total 100.3 74.6 86.9 83.0 93.8 96.0 120.0 133.2
Interest Income - Loans/Deposits 35.8 34.7 33.4 32.8 32.8 30.4 44.6 37.5
Interest & Fees on Loans & Receivables 32.4 29.6 31.4 30.4 30.3 28.3 42.3 35.1
Interest Income - Deposits to Other Financial Institutions 1.4 0.9 1.4 1.5 1.1 0.8 1.4 1.3
Interest & Dividend Income - Other - Finance 0.6 0.6 0.8 0.6 0.5 0.9 0.2 0.2
Interest Income - Collateralized Financing 2.0 4.1 0.6 0.9 1.4 1.3 0.9 1.2
Interest & Dividend Income - Investment Securities - Finance 63.9 39.3 52.7 49.6 60.5 64.7 75.2 95.4
Net Commission & Fees Income/Expense - Business Revenue 4.1 4.2 4.5 4.2 4.0 3.7 4.4 4.0
Fees & Commissions Income 4.1 4.2 4.5 4.2 4.0 3.7 4.4 4.0
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 63.9 39.3 52.7 49.6 60.5 64.7 75.2 95.4
Fees & Commissions Expense — — — — — — — —
Investments & Loans - Business - Gain/(Loss) 5.8 12.9 1.2 2.5 6.1 2.6 1.2 3.1
Interest Expense - Finance - Total 63.4 39.5 51.7 48.4 58.9 61.9 88.2 98.4
Interest Expense - Operational Financing - Business 57.5 34.8 47.5 44.3 51.6 55.9 79.2 91.8
Interest Expense - Deposits 32.0 28.9 31.8 27.7 29.0 29.8 47.1 58.7
Investment Securities - Business - Gain/(Loss) 5.5 12.6 1.3 1.9 6.8 1.5 1.3 3.0
Interest Expense - Collateralized Financing 24.8 4.8 14.7 15.5 21.7 25.4 31.4 31.3
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 5.5 12.6 1.8 2.0 6.8 1.5 4.4 3.5
Interest Expenses - Other - Total 0.6 1.0 1.0 1.1 0.9 0.7 0.7 1.8
Interest Expense - External Financing Business 5.8 4.8 4.2 4.1 7.3 6.0 9.0 6.6
Non-Interest Business Revenue/(Expense) - Net - Total 14.2 19.9 8.8 10.2 13.3 8.4 7.4 9.6
Revenue from Business-Related Activities - Other - Total — — — — — — — —
Derivatives - Hedging - Business - Gain/(Loss) 0.3 0.3 (0.1) 0.5 (0.7) 1.1 (0.1) 0.1
Net Foreign Exchange Income/(Expense) - Business Revenue 4.3 2.8 3.1 3.6 3.2 2.1 1.8 2.5
Trading Investments/Trading Account Income - Gain/(Loss) 0.0 (0.0) (0.6) (0.1) 0.1 0.0 (3.0) (0.4)
Trading Investments - Unrealized Gain/(Loss) 0.0 (0.0) (0.6) (0.1) 0.1 0.0 (3.0) (0.4)
Investment Securities - Business Unclassified - Gain/(Loss) — — — — — — — —
Net Income/(Expense) from Insurance - Bank — — 0.0 0.0 — — — 0.0
Revenue from Business Activities - Total 51.2 55.0 44.0 44.9 48.2 42.5 39.2 44.4
Selling, General & Administrative Expenses - Total 30.4 31.3 30.2 30.7 29.2 27.6 26.8 21.5
Selling, General & Administrative Expenses - Unclassified 11.0 10.8 9.4 11.8 8.8 8.9 9.7 9.6
Depreciation in Selling, General & Administrative Expenses 2.9 2.9 4.9 1.2 2.9 2.2 2.5 0.6
Amortization of Intangibles in Selling, General & Administrative Expenses 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Other Operating Expense/(Income) - Net 0.5 1.1 0.6 0.5 (0.1) 0.0 (0.4) 0.0
Other Operating Income - Total 0.0 0.0 0.0 0.0 0.0 0.7 0.0 0.0
Operating Expenses - Total 31.7 31.1 32.0 31.7 30.9 26.3 27.0 21.8
Provision & Impairment for Loan Losses 0.8 (1.3) 1.2 0.4 1.8 (1.3) 0.5 0.2
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 13.9 14.8 14.0 12.8 12.1 12.6 13.7 10.3
Selling, General & Administrative Expenses - Other - Total 2.4 2.8 1.8 4.8 5.4 3.8 0.9 0.9
Advertising Expense 2.3 2.7 1.6 4.6 5.3 3.8 0.7 0.8
Operating Profit before Non-Recurring Income/(Expense) 19.5 23.8 11.9 13.2 17.3 16.2 12.3 22.6
Property & Other Taxes 0.1 0.0 0.2 0.2 0.1 0.0 0.1 0.1
Other Operating Expense 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0
Operating Provisions - Increase/(Decrease) 0.5 1.1 0.6 0.5 (0.1) 0.7 (0.4) 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Equity Earnings/(Loss) - before Taxes including Non-Recurring (0.0) (0.0) 0.1 0.5 0.5 0.3 0.2 0.4
Sale of Leased Fixed Assets - Gain/(Loss) 0.0 — 0.0 (0.0) 0.0 — 0.0 0.0
Normalized Pre-tax Profit 19.5 23.8 12.0 13.7 17.7 16.5 12.5 23.0
Non-Recurring Income/Expense - Total 2.1 (0.6) 2.0 0.1 0.8 (0.9) 4.2 3.1
Impairment - Financial Investments (0.5) (1.2) (0.4) 0.1 (0.3) 0.1 (0.1) 0.2
Restructuring Charges — — 0.0 0.0 0.2 — — 0.0
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.0 0.1 0.1 0.0 0.0 0.0 0.0 0.0
Fair Value Adjustments - Financial Investments 1.6 (1.8) 1.5 0.1 0.6 (0.8) 4.2 3.2
Non-Recurring Income/(Expense) - Other - Total — — — — 0.0 — — —
Provision for Income Tax Expense- Unclassified — — — — — — — —
Income before Taxes 21.6 23.3 14.0 13.8 18.5 15.6 16.8 26.1
Income Taxes 11.4 12.3 7.6 7.5 10.5 8.5 12.1 12.8
Income Taxes for the Year - Current 10.9 15.8 7.7 7.1 11.1 10.6 9.1 11.0
Income Taxes - Deferred 0.5 (3.6) (0.5) 1.2 (4.6) (2.1) 5.2 1.9
Income Taxes - Other (by Type) 0.1 0.0 0.4 (0.8) 4.0 0.0 (2.2) (0.1)
Net Income after Tax 10.2 11.0 6.4 6.3 8.1 7.1 4.6 13.3
Income before Discontinued Operations & Extraordinary Items 10.2 11.0 6.4 6.3 8.1 7.1 4.6 13.3
Net Income before Minority Interest 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Minority Interest 0.0 0.0 0.0 0.0 0.0 (0.0) 0.0 0.0
Net Income after Minority Interest 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Income Available to Common Shares 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Extraordinary Activities - after Tax - Gain/(Loss) — — 0.0 0.0 (0.1) — — 0.0
Discontinued Operations - Net of Taxes - Total - Income/(Expense) — — 0.0 0.0 (0.1) — — 0.0
Other Comprehensive Income - Starting Line 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Discontinued Operations - Net - Income/(Expense) — — 0.0 0.0 (0.1) — — 0.0
Other Comprehensive Income - Foreign Currency (0.1) (0.2) (3.7) (0.5) 0.3 (0.0) 0.2 (0.3)
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 0.8 (15.2) 4.5 3.3 3.5 (2.4) 2.2 9.6
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) 5.6 (0.0)
Other Comprehensive Income - Other (0.0) (0.0) 0.1 (0.0) (0.0) (0.0) 0.2 (0.0)
Other Comprehensive Income - Associated Companies 0.0 (0.0) (0.0) (0.0) (0.0) (0.0) 0.0 0.0
Other Comprehensive Income - Pension Related — — 0.5 — — — 0.5 0.0
Other Comprehensive Income - Net of Tax - Total 0.7 (15.5) 1.3 2.8 3.8 (2.5) 8.7 9.3
Comprehensive Income before Minority Interest - Total 10.8 (4.5) 7.7 9.1 11.8 4.6 13.4 22.6
Comprehensive Income - Attributable to Minority Interest - Total 0.0 0.0 0.0 0.0 0.0 (0.0) 0.0 0.0
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 10.8 (4.5) 7.7 9.1 11.8 4.6 13.4 22.6
Earnings Adjustments to Net Income - Other Expense/(Income) — — — — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 1.50 1.50 1.50 1.25 1.25 1.25 1.25 1.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Income available to Common excluding Extraordinary Items 10.2 11.0 6.4 6.3 8.1 7.1 4.6 13.3
Shares used to calculate Basic EPS - Total mn 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 3.22 3.48 2.03 2.01 2.53 2.24 1.47 4.21
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 3.22 3.48 2.03 2.01 2.56 2.24 1.47 4.21
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 2.55 3.66 1.40 1.99 2.30 2.53 0.12 3.24
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Earnings Allocation Factor - Basic - Issue Specific 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 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 3.22 3.48 2.03 2.01 2.53 2.24 1.47 4.21
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 3.22 3.48 2.03 2.01 2.56 2.24 1.47 4.21
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 2.55 3.66 1.40 1.99 2.30 2.53 0.12 3.24
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 (0.03) 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 3.43 (1.42) 2.45 2.90 3.73 1.45 4.24 7.17
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Diluted Income available to Common excluding Extraordinary Items 10.2 11.0 6.4 6.3 8.1 7.1 4.6 13.3
Shares used to calculate Diluted EPS - Total mn 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 3.22 3.48 2.03 2.01 2.53 2.24 1.47 4.21
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 3.22 3.48 2.03 2.01 2.56 2.24 1.47 4.21
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 2.55 3.66 1.40 1.99 2.30 2.53 0.12 3.24
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Earnings Allocation Factor - Diluted - Issue Specific 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 3,154.3 3,154.3 3,154.3 3,154.3 3,154.3
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 3.22 3.48 2.03 2.01 2.53 2.24 1.47 4.21
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 3.22 3.48 2.03 2.01 2.56 2.24 1.47 4.21
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 2.55 3.66 1.40 1.99 2.30 2.53 0.12 3.24
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 (0.03) 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 3.43 (1.42) 2.45 2.90 3.73 1.45 4.24 7.17
DPS - Common - Gross - Issue - By Announcement Date Rs 1.50 1.50 1.25 1.25 1.25 1.25 1.00 1.00
DPS - Common - Net - Issue - By Announcement Date Rs 1.35 1.35 1.13 1.13 1.13 1.13 0.90 0.90
Earnings before Interest & Taxes (EBIT) 19.5 23.8 11.9 13.2 17.3 16.2 12.3 22.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 22.5 26.8 14.8 16.0 20.0 18.9 14.8 24.9
Depreciation & Amortization - Supplemental 3.0 3.0 5.0 1.3 3.0 2.3 2.6 0.7
Depreciation Expense - Total - Supplemental 2.9 2.9 4.9 1.2 2.9 2.2 2.5 0.6
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 1.2 1.2 1.2 1.2 1.1 1.1 1.1 0.6
Amortization - Total - Supplemental 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Intangible Amortization - Other - Supplemental 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Depreciation, Depletion & Amortization - Total 3.0 3.0 2.9 2.8 2.7 2.6 2.6 2.3
Depreciation - Total 2.9 2.9 2.8 2.7 2.6 2.5 2.5 2.2
Amortization of Intangible Assets excluding Goodwill - Total 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Labor & Related Expenses - Total 13.9 14.8 14.0 12.8 12.1 12.6 13.7 10.3
Labor & Related Expenses - Supplemental 13.9 14.8 14.0 12.8 12.1 12.6 13.7 10.3
Normalized after Tax Profit 8.0 11.6 4.4 6.3 7.3 8.0 0.4 10.2
Normalized Net Income from Continuing Operations 8.0 11.6 4.4 6.3 7.3 8.0 0.4 10.2
Normalized Net Income - Bottom Line 8.0 11.6 4.4 6.3 7.3 8.0 0.4 10.2
Earnings before Interest & Taxes (EBIT) - Normalized 19.5 23.8 12.0 13.7 17.7 16.5 12.5 23.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 22.5 26.8 14.9 16.6 20.5 19.1 15.1 25.3
Loan Losses - Net — — — — — — — —
Loan Recoveries - Actual 0.2 0.2 0.2 0.2 0.3 0.2 0.2 0.1
Loan Losses - Actual — — — — — — — —
Interest Expense on Financial Lease Liabilities - Supplemental 1.1 1.1 1.1 1.1 1.1 1.0 1.0 0.9
Advertising Expenses - Supplemental 2.3 2.7 1.6 4.6 5.3 3.8 0.7 0.8
Interest Expense 63.4 39.5 51.7 48.4 58.9 61.9 88.2 98.4
Interest & Dividend Income after Loan Loss Provision - Net - Finance 36.1 36.3 34.0 34.3 33.1 35.4 31.3 34.5
Commissions & Fees from Securities Activities 0.2 0.1 — 0.1 0.1 0.2 — 0.1
Revenue after Loan Provisions - Net - Finance 99.5 75.9 85.7 82.6 92.0 97.3 119.5 132.9
Operating Expenses 31.7 31.1 32.0 31.7 30.9 26.3 27.0 21.8
Foreign Exchange Gain/(Loss) 4.3 2.8 3.1 3.6 3.2 2.1 1.8 2.5
Selling, General & Administrative Expenses excluding Research & Development Expenses 30.4 31.3 30.2 30.7 29.2 27.6 26.8 21.5
Investment Gain/(Loss) 6.2 13.2 2.0 2.5 7.3 2.4 1.5 3.2
Non-Interest Expense - Bank 28.7 33.0 28.8 30.7 27.9 28.2 22.0 18.1
Income before Taxes & Provision for Loan Losses 22.4 22.0 15.2 14.2 20.3 14.3 17.3 26.3
DPS - Common - Gross - Issue - By Payable Date Rs 1.50 1.50 1.25 1.25 1.25 1.25 1.00 1.00
DPS - Common - Gross - Issue - By Ex Date Rs 1.50 1.50 1.25 1.25 1.25 1.25 1.00 1.00
Tax Adjusted Operating Income 10.2 11.0 6.4 6.3 8.0 7.1 4.6 13.3
Operating Expenses excluding Non-Cash Charges - Total 28.7 28.2 29.1 28.8 28.2 23.7 24.4 19.5
Revenue Net of Interest Expense Before Loan Loss Provision 51.2 55.0 44.0 44.9 48.2 42.5 39.2 44.4
Income from Earning Assets 110.1 90.0 90.7 88.5 103.9 99.7 120.1 138.3
Income Available to Common Shares before Depreciation & Amortization 13.2 13.9 9.3 9.2 10.7 9.7 7.2 15.6
Commissions and Fees 4.1 4.2 4.5 4.2 4.0 3.7 4.4 4.0
Estimated Tax Rate 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 1.50 1.50 1.25 1.25 1.25 1.25 1.00 1.00

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