BAHL Bank AL Habib Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 151.48 +0.94%
Annual · FY2006 – FY2025
Bank AL Habib Limited (BAHL) income statement
Bank AL Habib Limited reported total income of Rs 158.9 bn for FY2025 (Jan – Dec 2025), down 12.1% on FY2024. Net interest income was Rs 131.4 bn, down 16.2% on FY2024, with non-interest income of Rs 27.6 bn. Tax of Rs 35.7 bn took 52.4% of pre-tax profit. Profit attributable to shareholders was Rs 32.4 bn, down 22.6% on FY2024, or Rs 29.19 per share.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 337.8 | 478.5 | 374.6 | 201.6 | 117.2 | |||||||||||||||
| Interest expense | (206.5) | (321.6) | (249.7) | (123.6) | (61.3) | |||||||||||||||
| Net interest income | 131.4 | 156.8 | 124.8 | 78.0 | 56.0 | |||||||||||||||
| Fee & commission income (net) | 20.1 | 20.4 | 13.1 | 10.9 | 9.1 | |||||||||||||||
| Foreign exchange income | 7.4 | 3.9 | 6.8 | 7.2 | 3.0 | |||||||||||||||
| Gain / (loss) on securities | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) | |||||||||||||||
| Total non-interest income | 27.6 | 23.9 | 20.0 | 18.3 | 12.0 | |||||||||||||||
| Total income | 158.9 | 180.8 | 144.8 | 96.3 | 68.0 | |||||||||||||||
| Operating expenses | (96.2) | (97.9) | (78.0) | (55.5) | (38.5) | |||||||||||||||
| Provisions & impairment (loans) | 1.1 | 14.1 | 7.7 | 4.0 | 0.2 | |||||||||||||||
| Profit before tax | 68.2 | 86.8 | 72.0 | 33.1 | 30.2 | |||||||||||||||
| Taxation | (35.7) | (44.9) | (36.1) | (16.4) | (11.6) | |||||||||||||||
| Profit after tax | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 | |||||||||||||||
| Profit attributable to shareholders | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | |||||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | |||||||||||||||
| EPS – diluted (Rs) Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | |||||||||||||||
| Dividend per share (Rs) Rs | 15.00 | 17.00 | 14.00 | 7.00 | 7.00 | |||||||||||||||
| Weighted average shares mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | |||||||||||||||
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | -29.4% | +27.7% | +85.8% | +72.0% | -6.8% | |||||||||||||||
| Interest expense | -35.8% | +28.8% | +102.1% | +101.7% | -9.4% | |||||||||||||||
| Net interest income | -16.2% | +25.6% | +60.1% | +39.4% | -3.7% | |||||||||||||||
| Fee & commission income (net) | -1.2% | +55.1% | +20.0% | +20.5% | +41.6% | |||||||||||||||
| Foreign exchange income | +90.1% | -42.8% | -5.5% | +143.8% | +38.6% | |||||||||||||||
| Gain / (loss) on securities | — | -1,134.0% | -77.9% | — | -119.0% | |||||||||||||||
| Total non-interest income | +15.1% | +19.7% | +9.2% | +52.5% | +37.5% | |||||||||||||||
| Total income | -12.1% | +24.8% | +50.4% | +41.7% | +1.7% | |||||||||||||||
| Operating expenses | -1.8% | +25.5% | +40.5% | +44.2% | +3.7% | |||||||||||||||
| Provisions & impairment (loans) | -92.3% | +84.5% | +91.4% | +1,833.5% | -93.1% | |||||||||||||||
| Profit before tax | -21.4% | +20.5% | +117.8% | +9.4% | +5.3% | |||||||||||||||
| Taxation | -20.3% | +24.4% | +120.4% | +40.9% | +8.1% | |||||||||||||||
| Profit after tax | -22.5% | +16.7% | +115.3% | -10.3% | +3.6% | |||||||||||||||
| Profit attributable to shareholders | -22.6% | +16.6% | +115.3% | -10.2% | +3.5% | |||||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -22.6% | +16.6% | +115.3% | -10.2% | +3.5% | |||||||||||||||
| EPS – diluted (Rs) | -22.6% | +16.6% | +115.3% | -10.2% | +3.5% | |||||||||||||||
| Dividend per share (Rs) | -11.8% | +21.4% | +100.0% | 0.0% | +55.6% | |||||||||||||||
| 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 |
|---|---|---|---|---|---|
| Interest & dividend income | 212.6% | 264.7% | 258.6% | 209.3% | 172.5% |
| Interest expense | (129.9%) | (177.9%) | (172.4%) | (128.3%) | (90.1%) |
| Net interest income | 82.7% | 86.8% | 86.2% | 81.0% | 82.3% |
| Fee & commission income (net) | 12.6% | 11.3% | 9.1% | 11.4% | 13.4% |
| Foreign exchange income | 4.7% | 2.2% | 4.7% | 7.5% | 4.4% |
| Gain / (loss) on securities | 0.0% | (0.2%) | 0.0% | 0.1% | (0.1%) |
| Total non-interest income | 17.3% | 13.2% | 13.8% | 19.0% | 17.7% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (60.5%) | (54.2%) | (53.9%) | (57.7%) | (56.6%) |
| Provisions & impairment (loans) | 0.7% | 7.8% | 5.3% | 4.2% | 0.3% |
| Profit before tax | 42.9% | 48.0% | 49.7% | 34.3% | 44.5% |
| Taxation | (22.5%) | (24.8%) | (24.9%) | (17.0%) | (17.1%) |
| Profit after tax | 20.4% | 23.2% | 24.8% | 17.3% | 27.4% |
| Profit attributable to shareholders | 20.4% | 23.2% | 24.8% | 17.3% | 27.3% |
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 155
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 131.4 | 156.8 | 124.8 | 78.0 | 56.0 |
| Interest & Dividend Income - Finance - Total | 337.8 | 478.5 | 374.6 | 201.6 | 117.2 |
| Interest Income - Loans/Deposits | 97.7 | 128.9 | 140.9 | 83.3 | 40.3 |
| Interest & Fees on Loans & Receivables | 96.7 | 127.7 | 137.4 | 80.5 | 39.8 |
| Interest Income - Deposits to Other Financial Institutions | 0.7 | 0.8 | 1.0 | 0.7 | 0.3 |
| Interest & Dividend Income - Other - Finance | 0.4 | 0.4 | 0.7 | 0.7 | 0.5 |
| Interest Income - Collateralized Financing | 0.3 | 0.4 | 2.5 | 2.1 | 0.2 |
| Interest & Dividend Income - Investment Securities - Finance | 239.7 | 349.2 | 233.0 | 117.6 | 76.5 |
| Net Commission & Fees Income/Expense - Business Revenue | 20.1 | 20.4 | 13.1 | 10.9 | 9.1 |
| Fees & Commissions Income | 22.0 | 21.9 | 14.7 | 11.9 | 9.6 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 239.7 | 349.2 | 233.0 | 117.6 | 76.5 |
| Fees & Commissions Expense | 1.9 | 1.6 | 1.6 | 0.9 | 0.5 |
| Investments & Loans - Business - Gain/(Loss) | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) |
| Interest Expense - Finance - Total | 206.5 | 321.6 | 249.7 | 123.6 | 61.3 |
| Interest Expense - Operational Financing - Business | 189.4 | 295.5 | 223.6 | 107.9 | 54.8 |
| Interest Expense - Deposits | 148.6 | 237.3 | 187.3 | 89.4 | 43.2 |
| Investment Securities - Business - Gain/(Loss) | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) |
| Interest Expense - Collateralized Financing | 40.8 | 58.2 | 36.3 | 18.5 | 11.5 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 0.0 | (0.3) | 0.0 | 0.1 | (0.0) |
| Interest Expenses - Other - Total | — | — | — | — | — |
| Interest Expense - External Financing Business | 17.0 | 26.2 | 26.1 | 15.7 | 6.5 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 27.6 | 23.9 | 20.0 | 18.3 | 12.0 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 7.4 | 3.9 | 6.8 | 7.2 | 3.0 |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | — | — | — | — |
| Revenue from Business Activities - Total | 158.9 | 180.8 | 144.8 | 96.3 | 68.0 |
| Selling, General & Administrative Expenses - Total | 95.1 | 81.8 | 70.5 | 51.9 | 38.9 |
| Selling, General & Administrative Expenses - Unclassified | 35.3 | 30.9 | 31.4 | 21.9 | 15.1 |
| Depreciation in Selling, General & Administrative Expenses | 10.6 | 8.1 | 6.9 | 5.7 | 4.8 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Other Operating Expense/(Income) - Net | (0.0) | 2.0 | (0.2) | (0.3) | (0.6) |
| Other Operating Income - Total | — | — | 0.5 | 0.4 | 0.7 |
| Operating Expenses - Total | 96.2 | 97.9 | 78.0 | 55.5 | 38.5 |
| Provision & Impairment for Loan Losses | 1.1 | 14.1 | 7.7 | 4.0 | 0.2 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 37.7 | 35.8 | 25.6 | 19.2 | 14.8 |
| Selling, General & Administrative Expenses - Other - Total | 11.3 | 6.8 | 6.4 | 4.7 | 3.9 |
| Advertising Expense | 4.8 | 1.2 | 1.8 | 0.6 | 0.5 |
| Rental Expense | 6.5 | 5.6 | 4.6 | 4.1 | 3.4 |
| Operating Profit before Non-Recurring Income/(Expense) | 62.8 | 82.8 | 66.8 | 40.8 | 29.5 |
| Other Operating Expense | 0.1 | 0.3 | 0.2 | 0.2 | 0.0 |
| Operating Provisions - Increase/(Decrease) | (0.1) | 1.7 | 0.1 | (0.1) | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.8 | 1.0 | 0.5 | 0.5 | 0.5 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 1.4 | 1.4 | 1.1 | 0.8 | 0.4 |
| Other Non-Operating Income/(Expense) - Total | — | — | — | — | — |
| Normalized Pre-tax Profit | 65.0 | 85.3 | 68.4 | 42.0 | 30.3 |
| Non-Recurring Income/Expense - Total | 3.2 | 1.5 | 3.6 | (9.0) | (0.1) |
| Impairment - Tangible & Intangible Fixed Assets | — | 0.0 | 0.1 | — | — |
| Impairment - Fixed Assets | — | 0.0 | 0.1 | — | — |
| Impairment - Financial Investments | (3.4) | (1.0) | (3.7) | 9.0 | (0.3) |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.1 | 0.1 | — | — | — |
| Fair Value Adjustments - Financial Investments | (0.3) | 0.5 | — | (0.0) | (0.0) |
| Sale & Acquisition of Group Companies - Gain/(Loss) | — | — | — | 0.0 | (0.3) |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | — |
| Income before Taxes | 68.2 | 86.8 | 72.0 | 33.1 | 30.2 |
| Income Taxes | 35.7 | 44.9 | 36.1 | 16.4 | 11.6 |
| Income Taxes for the Year - Current | 35.6 | 44.3 | 37.7 | 20.6 | 12.3 |
| Income Taxes - Deferred | (2.3) | 0.6 | (4.6) | (4.2) | (0.6) |
| Income Taxes - Other (by Type) | 2.4 | (0.0) | 2.9 | 0.0 | (0.0) |
| Net Income after Tax | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 |
| Income before Discontinued Operations & Extraordinary Items | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 |
| Net Income before Minority Interest | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 |
| Minority Interest | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 |
| Net Income after Minority Interest | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Income Available to Common Shares | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Other Comprehensive Income - Starting Line | 32.5 | 41.9 | 35.9 | 16.7 | 18.6 |
| Other Comprehensive Income - Foreign Currency | 0.1 | (0.1) | 0.3 | 2.1 | 0.5 |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | 6.4 | 6.1 | 6.8 | (5.0) | (3.5) |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | 0.1 | (1.0) | 6.8 | (0.7) | (0.5) |
| Other Comprehensive Income - Pension Related | (0.7) | 0.1 | — | — | — |
| Other Comprehensive Income - Net of Tax - Total | 5.8 | 5.0 | 13.8 | (3.6) | (3.4) |
| Comprehensive Income before Minority Interest - Total | 38.3 | 46.9 | 49.8 | 13.1 | 15.2 |
| Comprehensive Income - Attributable to Minority Interest - Total | 0.0 | 0.0 | 0.0 | (0.0) | (0.0) |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 38.3 | 46.9 | 49.7 | 13.1 | 15.2 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 15.00 | 17.00 | 14.00 | 7.00 | 7.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Income available to Common excluding Extraordinary Items | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Shares used to calculate Basic EPS - Total mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Basic EPS - Issue Specific mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | 34.44 | 42.20 | 44.76 | 11.80 | 13.64 |
| Dilution Adjustment | — | — | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Diluted Income available to Common excluding Extraordinary Items | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Shares used to calculate Diluted EPS - Total mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 | 1,111.4 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 26.31 | 36.33 | 29.09 | 23.08 | 16.80 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | 34.44 | 42.20 | 44.76 | 11.80 | 13.64 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 15.30 | 13.95 | 14.40 | 6.30 | 4.05 |
| Earnings before Interest & Taxes (EBIT) | 62.8 | 82.8 | 66.8 | 40.8 | 29.5 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 73.6 | 91.1 | 73.9 | 46.8 | 34.6 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 80.1 | 96.7 | 78.6 | 50.9 | 38.0 |
| Depreciation & Amortization - Supplemental | 10.8 | 8.3 | 7.1 | 6.0 | 5.1 |
| Depreciation Expense - Total - Supplemental | 10.6 | 8.1 | 6.9 | 5.7 | 4.8 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 2.9 | 2.5 | 2.3 | 2.1 | 1.9 |
| Amortization - Total - Supplemental | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Intangible Amortization - Other - Supplemental | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Amortization of Computer Software - Supplemental | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Depreciation, Depletion & Amortization - Total | 10.8 | 8.3 | 7.1 | 6.0 | 5.1 |
| Depreciation - Total | 10.6 | 8.1 | 6.9 | 5.7 | 4.8 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Income from Islamic Financing & Investing | — | — | — | — | — |
| Labor & Related Expenses - Total | 37.7 | 35.8 | 25.6 | 19.2 | 14.8 |
| Labor & Related Expenses - Supplemental | 37.7 | 35.8 | 25.6 | 19.2 | 14.8 |
| Auditor Fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Audit-Related Fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Fees - Other | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized after Tax Profit | 29.3 | 40.4 | 32.3 | 25.6 | 18.7 |
| Normalized Net Income from Continuing Operations | 29.3 | 40.4 | 32.3 | 25.6 | 18.7 |
| Normalized Net Income - Bottom Line | 29.2 | 40.4 | 32.3 | 25.7 | 18.7 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 65.0 | 85.3 | 68.4 | 42.0 | 30.3 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 75.8 | 93.5 | 75.5 | 48.0 | 35.4 |
| Loan Losses - Net | — | — | — | — | — |
| Loan Recoveries - Actual | — | — | — | — | — |
| Depreciation of Financial Lease Right-of-Use Assets | 2.9 | 2.5 | 2.3 | 2.1 | 1.9 |
| Loan Losses - Actual | 0.1 | 0.0 | 0.7 | 0.0 | 0.0 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 2.7 | 2.1 | 1.6 | 1.3 | 1.1 |
| Rental/Operating Lease Expense | 6.5 | 5.6 | 4.6 | 4.1 | 3.4 |
| Advertising Expenses - Supplemental | 4.8 | 1.2 | 1.8 | 0.6 | 0.5 |
| Interest Expense | 206.5 | 321.6 | 249.7 | 123.6 | 61.3 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 130.3 | 142.7 | 117.2 | 74.0 | 55.7 |
| Commissions & Fees from Securities Activities | 7.1 | 7.3 | 6.0 | 5.5 | 5.1 |
| Revenue after Loan Provisions - Net - Finance | 336.7 | 464.3 | 366.9 | 197.6 | 117.0 |
| Operating Expenses | 96.2 | 97.9 | 78.0 | 55.5 | 38.5 |
| Foreign Exchange Gain/(Loss) | 7.4 | 3.9 | 6.8 | 7.2 | 3.0 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 95.1 | 81.8 | 70.5 | 51.9 | 38.9 |
| Investment Gain/(Loss) | 0.4 | 0.0 | 0.7 | 0.8 | 0.4 |
| Non-Interest Expense - Bank | 89.6 | 79.9 | 65.2 | 59.3 | 37.5 |
| Income before Taxes & Provision for Loan Losses | 69.3 | 100.9 | 79.7 | 37.1 | 30.4 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 |
| Tax Adjusted Operating Income | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 |
| Operating Expenses excluding Non-Cash Charges - Total | 85.4 | 89.6 | 70.9 | 49.5 | 33.4 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 158.9 | 180.8 | 144.8 | 96.3 | 68.0 |
| Income from Earning Assets | 345.3 | 482.1 | 381.5 | 209.0 | 120.2 |
| Income Available to Common Shares before Depreciation & Amortization | 43.2 | 50.2 | 43.1 | 22.7 | 23.7 |
| Commissions and Fees | 20.1 | 20.4 | 13.1 | 10.9 | 9.1 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 17.00 | 15.50 | 16.00 | 7.00 | 4.50 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.