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Commercial Banks

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%

Quarterly · Q3 FY2021 – Q2 FY2026

Bank AL Habib Limited (BAHL) quarterly income statement

Bank AL Habib Limited reported total income of Rs 42.3 bn for Q2 FY2026 (Apr – Jun 2026), up 5.5% on Q2 FY2025. Net interest income was Rs 32.8 bn, down 1.2% on Q2 FY2025, with non-interest income of Rs 9.5 bn. Tax of Rs 8.7 bn took 51.7% of pre-tax profit. Profit attributable to shareholders was Rs 8.1 bn, down 10.3% on Q2 FY2025, or Rs 7.31 per share.

BAHL 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income 327.3 85.3 82.6 76.8 82.5 85.4 93.0 113.1 123.4 124.2 119.9 112.7 101.1 86.7 75.0 67.9 56.4 42.7 34.4 31.2 30.8
Interest expense (197.3) (52.5) (49.9) (45.4) (49.4) (52.3) (59.3) (73.3) (80.6) (86.4) (82.7) (73.3) (66.7) (60.1) (50.2) (44.8) (35.8) (24.5) (18.2) (17.0) (16.7)
Net interest income 130.0 32.8 32.7 31.4 33.1 33.1 33.7 39.8 42.8 37.9 37.2 39.5 34.4 26.6 24.8 23.2 20.6 18.2 16.2 14.3 14.1
Fee & commission income (net) 19.5 5.4 5.2 5.1 3.8 5.7 5.5 6.2 5.0 5.4 4.3 3.3 3.5 3.4 2.9 2.6 3.0 2.7 2.7 2.6 2.3
Foreign exchange income 10.3 4.1 2.3 1.8 2.1 1.4 2.2 0.0 0.4 1.0 2.5 1.5 1.5 1.1 2.7 1.6 2.6 2.5 0.6 1.1 0.8
Gain / (loss) on securities 0.0 (0.0) (0.1) 0.2 0.0 (0.1) 0.0 (0.3) (0.0) 0.0 0.0 0.0 (0.0) (0.0) 0.0 (0.0) 0.0 0.0 0.2 (0.0) (0.0)
Total non-interest income 29.9 9.5 7.4 7.1 5.9 6.9 7.7 5.9 5.4 6.4 6.8 4.9 5.0 4.5 5.6 4.1 5.6 5.2 3.5 3.6 3.2
Total income 159.8 42.3 40.1 38.4 39.0 40.1 41.4 45.7 48.2 44.2 44.0 44.3 39.4 31.1 30.4 27.3 26.2 23.4 19.6 17.9 17.3
Operating expenses (105.9) (28.3) (25.2) (25.7) (26.7) (22.5) (21.3) (25.3) (25.2) (22.8) (25.7) (28.4) (17.8) (17.1) (15.0) (16.4) (15.0) (12.6) (11.7) (10.3) (9.5)
Provisions & impairment (loans) 3.6 0.6 1.4 0.1 1.6 (0.4) (0.3) 2.4 4.5 0.3 6.9 7.2 0.3 0.1 0.0 3.4 0.7 (0.3) 0.1 0.3 (0.0)
Profit before tax 60.4 16.8 15.3 12.8 15.4 18.6 21.3 21.9 23.6 21.9 19.6 18.6 22.3 14.5 16.7 4.1 10.5 10.2 8.2 7.7 8.0
Taxation (32.3) (8.7) (8.0) (7.0) (8.5) (9.6) (10.6) (14.3) (10.9) (10.5) (9.3) (12.2) (10.9) (6.9) (6.0) (2.4) (5.1) (5.6) (3.2) (3.2) (3.1)
Profit after tax 28.1 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4 7.6 10.6 1.7 5.4 4.7 4.9 4.5 4.9
Profit attributable to shareholders 28.1 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4 7.6 10.6 1.7 5.4 4.7 4.9 4.5 4.9
Per share
EPS – basic (Rs) Rs 25.24 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24 6.83 9.56 1.50 4.89 4.19 4.45 4.08 4.43
EPS – diluted (Rs) Rs 25.24 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24 6.83 9.56 1.50 4.89 4.19 4.45 4.08 4.43
Dividend per share (Rs) Rs 15.00 3.50 3.50 4.50 3.50 3.50 3.50 6.50 3.50 3.50 3.50 5.00 4.50 4.50 0.00 7.00 0.00 0.00 0.00 7.00 0.00
Weighted average shares mn 1,111.4 1,111.4 1,111.4 1,111.4 1,111.6 1,111.8 1,111.4 1,111.4 1,111.5 1,110.9 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4
BAHL 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income -0.2% -11.2% -32.1% -33.1% -31.2% -22.4% +0.3% +22.1% +43.3% +59.9% +65.9% +79.4% +103.1% +117.9% +117.6% +83.2% +46.1% +32.3% +16.3% -7.7%
Interest expense +0.4% -15.8% -38.1% -38.7% -39.4% -28.2% +0.1% +20.9% +43.7% +64.7% +63.7% +86.5% +145.6% +175.1% +163.9% +114.7% +65.1% +42.2% +28.5% +3.1%
Net interest income -1.2% -3.0% -21.1% -22.7% -12.4% -9.4% +0.8% +24.4% +42.4% +50.2% +70.3% +67.0% +45.9% +53.4% +62.5% +45.9% +26.5% +22.6% +4.5% -17.9%
Fee & commission income (net) -4.7% -5.2% -17.1% -24.8% +6.0% +29.5% +86.4% +41.7% +58.2% +47.7% +27.5% +15.9% +27.6% +6.6% -0.6% +32.1% +35.0% +23.9% +20.2% +43.7%
Foreign exchange income +198.1% +4.5% +3,519.4% +430.0% +41.9% -12.8% -96.8% -73.1% -12.5% -7.8% -0.3% -42.6% -55.8% +361.2% +44.6% +204.3% +532.2% -10.0% +44.2% +44.2%
Gain / (loss) on securities — -472.3% — — -790.5% -54.1% -1,681.9% — — +98.0% — -344.2% -109.0% -85.4% — — -55.4% +2,802.9% -129.8% -113.9%
Total non-interest income +37.5% -3.8% +19.5% +9.8% +9.0% +13.4% +20.6% +7.1% +41.2% +21.2% +18.8% -11.3% -13.1% +62.2% +13.0% +78.7% +117.9% +21.8% +18.2% +42.4%
Total income +5.5% -3.2% -15.8% -19.1% -9.4% -5.9% +3.0% +22.2% +42.3% +44.9% +62.5% +50.2% +32.8% +54.9% +52.4% +51.9% +39.5% +22.5% +7.0% -11.1%
Operating expenses +26.0% +18.3% +1.3% +5.9% -1.3% -17.1% -10.8% +41.6% +32.9% +71.0% +73.7% +18.6% +35.6% +28.2% +58.9% +58.6% +30.9% +29.2% +9.1% -0.1%
Provisions & impairment (loans) — — -95.6% -64.7% -218.8% -103.6% -67.0% +1,234.0% +442.0% +35,226.9% +113.5% -53.4% — -86.8% +1,005.4% — -332.2% — +95.2% -100.8%
Profit before tax -9.8% -28.2% -41.5% -34.7% -14.7% +9.1% +17.8% +6.0% +51.2% +17.3% +352.8% +111.3% +41.3% +104.1% -47.0% +31.6% +39.0% +15.0% +18.3% -20.5%
Taxation -9.3% -24.2% -51.0% -21.5% -8.4% +14.0% +16.8% -0.2% +52.0% +53.9% +401.8% +113.1% +23.3% +87.2% -23.8% +65.7% +95.0% +31.0% +75.9% -24.3%
Profit after tax -10.3% -32.2% -23.7% -46.0% -20.6% +4.6% +19.7% +12.0% +50.5% -3.5% +280.9% +109.6% +62.9% +115.2% -63.3% +10.3% +3.4% +6.6% -3.8% -17.9%
Profit attributable to shareholders -10.3% -32.2% -23.8% -46.0% -20.6% +4.6% +19.8% +12.0% +50.4% -3.5% +280.9% +109.6% +63.0% +115.1% -63.3% +10.4% +3.5% +6.7% -3.8% -17.8%
Per share
EPS – basic (Rs) -10.3% -32.2% -23.8% -46.0% -20.6% +4.6% +19.8% +12.0% +50.5% -3.5% +280.9% +109.6% +63.0% +115.1% -63.3% +10.4% +3.5% +6.7% -3.8% -17.8%
EPS – diluted (Rs) -10.3% -32.2% -23.8% -46.0% -20.6% +4.6% +19.8% +12.0% +50.5% -3.5% +280.9% +109.6% +63.0% +115.1% -63.3% +10.4% +3.5% +6.7% -3.8% -17.8%
Dividend per share (Rs) 0.0% 0.0% -30.8% 0.0% 0.0% 0.0% +30.0% -22.2% -22.2% — -28.6% — — — 0.0% — — — +55.6% —
Weighted average shares — — — — — — — — — — — — — — — — — — — —

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

BAHL 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023 Q2 FY2023 Apr – Jun 2023 Q1 FY2023 Jan – Mar 2023 Q4 FY2022 Oct – Dec 2022 Q3 FY2022 Jul – Sep 2022 Q2 FY2022 Apr – Jun 2022 Q1 FY2022 Jan – Mar 2022 Q4 FY2021 Oct – Dec 2021 Q3 FY2021 Jul – Sep 2021
Interest & dividend income 201.6% 206.0% 199.8% 211.7% 213.2% 224.6% 247.6% 256.2% 280.9% 272.4% 254.2% 256.5% 278.9% 246.7% 248.9% 214.8% 182.4% 175.4% 174.4% 178.2%
Interest expense (124.2%) (124.5%) (118.1%) (126.8%) (130.5%) (143.2%) (160.6%) (167.3%) (195.3%) (187.8%) (165.2%) (169.2%) (193.4%) (165.2%) (164.0%) (136.3%) (104.6%) (93.0%) (94.7%) (96.4%)
Net interest income 77.5% 81.5% 81.7% 84.9% 82.7% 81.4% 87.1% 88.9% 85.6% 84.6% 89.0% 87.3% 85.5% 81.5% 84.9% 78.5% 77.8% 82.4% 79.6% 81.8%
Fee & commission income (net) 12.8% 13.0% 13.3% 9.6% 14.2% 13.3% 13.6% 10.4% 12.1% 9.7% 7.5% 9.0% 10.9% 9.5% 9.5% 11.6% 11.4% 13.8% 14.6% 13.3%
Foreign exchange income 9.8% 5.7% 4.6% 5.4% 3.5% 5.2% 0.1% 0.8% 2.2% 5.7% 3.5% 3.8% 3.6% 8.9% 5.7% 9.8% 10.8% 3.0% 6.0% 4.9%
Gain / (loss) on securities (0.1%) (0.2%) 0.4% 0.0% (0.4%) 0.1% (0.7%) (0.1%) 0.0% 0.1% 0.0% (0.0%) (0.0%) 0.1% (0.1%) 0.0% 0.0% 0.9% (0.3%) (0.0%)
Total non-interest income 22.5% 18.5% 18.3% 15.1% 17.3% 18.6% 12.9% 11.1% 14.4% 15.4% 11.0% 12.7% 14.5% 18.5% 15.1% 21.5% 22.2% 17.6% 20.4% 18.2%
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 (66.9%) (62.9%) (66.8%) (68.5%) (56.0%) (51.5%) (55.5%) (52.4%) (51.5%) (58.5%) (64.1%) (45.2%) (55.1%) (49.5%) (59.9%) (57.3%) (53.9%) (59.9%) (57.5%) (54.9%)
Provisions & impairment (loans) 1.3% 3.4% 0.3% 4.1% (0.9%) (0.6%) 5.2% 9.4% 0.7% 15.8% 16.3% 0.9% 0.2% 0.1% 12.4% 2.8% (1.1%) 0.8% 1.7% (0.1%)
Profit before tax 39.8% 38.2% 33.3% 39.6% 46.5% 51.5% 47.9% 49.0% 49.5% 44.5% 41.9% 56.5% 46.5% 54.9% 15.0% 40.2% 43.7% 41.7% 43.2% 46.4%
Taxation (20.6%) (20.0%) (18.2%) (21.9%) (23.9%) (25.6%) (31.3%) (22.6%) (23.7%) (21.2%) (27.6%) (27.7%) (22.1%) (19.9%) (8.9%) (19.5%) (23.8%) (16.5%) (17.9%) (17.9%)
Profit after tax 19.2% 18.1% 15.1% 17.7% 22.6% 25.9% 16.6% 26.5% 25.8% 23.3% 14.3% 28.9% 24.4% 35.0% 6.1% 20.7% 19.9% 25.2% 25.3% 28.5%
Profit attributable to shareholders 19.2% 18.1% 15.0% 17.6% 22.6% 25.9% 16.6% 26.5% 25.8% 23.3% 14.3% 28.9% 24.4% 35.0% 6.1% 20.7% 19.9% 25.2% 25.3% 28.5%

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. Updated 16 Oct 2026.

All reported line items 146
BAHL 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 Q2 FY2024 Apr – Jun 2024 Q1 FY2024 Jan – Mar 2024 Q4 FY2023 Oct – Dec 2023 Q3 FY2023 Jul – Sep 2023
Interest & Dividend Income/(Expense) - Net - Finance 32.8 32.7 31.4 33.1 33.1 33.7 39.8 42.8 37.9 37.2 39.5 34.4
Interest & Dividend Income - Finance - Total 85.3 82.6 76.8 82.5 85.4 93.0 113.1 123.4 124.2 119.9 112.7 101.1
Interest Income - Loans/Deposits 21.1 20.2 21.5 24.3 25.8 26.1 34.0 28.6 33.7 34.8 38.7 37.4
Interest & Fees on Loans & Receivables 20.8 19.9 21.3 24.1 25.4 25.9 33.7 28.3 33.4 34.5 38.4 37.4
Interest Income - Deposits to Other Financial Institutions 0.1 0.1 0.2 0.2 0.2 0.1 0.2 0.2 0.2 0.2 0.2 (0.5)
Interest & Dividend Income - Other - Finance 0.3 0.1 0.0 0.0 0.3 0.1 0.0 0.0 0.3 0.1 0.2 1.0
Interest Income - Collateralized Financing 0.2 0.1 0.0 0.1 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0.5
Interest & Dividend Income - Investment Securities - Finance 63.9 62.4 55.3 58.2 59.3 66.8 79.1 94.9 90.2 85.0 73.8 62.7
Net Commission & Fees Income/Expense - Business Revenue 5.4 5.2 5.1 3.8 5.7 5.5 6.2 5.0 5.4 4.3 3.3 3.5
Fees & Commissions Income 6.2 5.7 5.8 5.2 6.1 6.1 6.6 5.8 5.7 4.6 3.8 3.9
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 63.9 62.4 55.3 58.2 59.3 66.8 79.1 94.9 90.2 85.0 73.8 62.7
Fees & Commissions Expense 0.8 0.5 0.7 1.4 0.4 0.5 0.4 0.8 0.4 0.3 0.5 0.4
Investments & Loans - Business - Gain/(Loss) (0.0) (0.1) 0.2 0.0 (0.1) 0.0 (0.3) (0.0) 0.0 0.0 0.0 (0.0)
Interest Expense - Finance - Total 52.5 49.9 45.4 49.4 52.3 59.3 73.3 80.6 86.4 82.7 73.3 66.7
Interest Expense - Operational Financing - Business 48.1 46.0 41.2 45.4 47.9 54.9 66.7 74.0 79.3 75.5 66.1 60.1
Interest Expense - Deposits 42.8 36.1 37.3 35.8 37.0 38.5 50.6 62.4 63.8 60.4 56.0 54.1
Investment Securities - Business - Gain/(Loss) (0.0) (0.1) 0.2 0.0 (0.1) 0.0 (0.3) (0.0) 0.0 0.0 0.0 (0.0)
Interest Expense - Collateralized Financing 5.4 9.9 3.9 9.7 10.9 16.3 16.0 11.6 15.5 15.1 10.1 6.0
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) (0.0) (0.1) 0.2 0.0 (0.1) 0.0 (0.3) (0.0) 0.0 0.0 0.0 (0.0)
Interest Expense - External Financing Business 4.4 4.0 4.2 4.0 4.4 4.4 6.6 6.6 7.0 7.2 7.2 6.6
Non-Interest Business Revenue/(Expense) - Net - Total 9.5 7.4 7.1 5.9 6.9 7.7 5.9 5.4 6.4 6.8 4.9 5.0
Derivatives - Hedging - Business - Gain/(Loss) — — — — — — — — — — — 0.0
Net Foreign Exchange Income/(Expense) - Business Revenue 4.1 2.3 1.8 2.1 1.4 2.2 0.0 0.4 1.0 2.5 1.5 1.5
Revenue from Business Activities - Total 42.3 40.1 38.4 39.0 40.1 41.4 45.7 48.2 44.2 44.0 44.3 39.4
Selling, General & Administrative Expenses - Total 27.7 23.8 25.5 24.8 23.3 21.5 21.6 20.6 22.0 18.2 21.0 17.6
Selling, General & Administrative Expenses - Unclassified 9.0 9.5 11.4 11.0 7.6 8.2 10.1 10.2 7.1 6.9 9.4 8.6
Depreciation in Selling, General & Administrative Expenses 3.7 2.4 2.1 0.6 3.0 2.0 0.6 0.3 2.2 1.6 1.9 1.7
Amortization of Intangibles in Selling, General & Administrative Expenses 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.1 0.1 0.1 0.1
Other Operating Expense/(Income) - Net (0.0) 0.0 0.1 0.3 (0.5) 0.1 1.3 0.2 0.5 0.6 0.2 (0.1)
Other Operating Income - Total — — — — — — — — — — 0.2 0.1
Operating Expenses - Total 28.3 25.2 25.7 26.7 22.5 21.3 25.3 25.2 22.8 25.7 28.4 17.8
Provision & Impairment for Loan Losses 0.6 1.4 0.1 1.6 (0.4) (0.3) 2.4 4.5 0.3 6.9 7.2 0.3
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 14.0 11.5 10.3 10.6 12.2 10.8 10.4 9.6 12.3 9.4 8.7 6.9
Selling, General & Administrative Expenses - Other - Total 1.0 0.4 1.7 2.5 0.4 0.5 0.5 0.5 0.3 0.3 1.0 0.3
Advertising Expense 0.9 0.3 1.6 2.4 0.3 0.5 0.4 0.4 0.3 0.2 0.9 0.3
Rental Expense 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0 0.0
Operating Profit before Non-Recurring Income/(Expense) 14.0 14.9 12.8 12.3 17.6 20.1 20.3 22.9 21.5 18.3 15.9 21.6
Other Operating Expense 0.0 0.0 0.0 0.0 0.0 0.0 0.5 0.2 0.0 0.1 0.2 0.0
Operating Provisions - Increase/(Decrease) (0.0) 0.0 0.1 0.3 (0.5) 0.0 0.9 (0.0) 0.4 0.4 0.1 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.4 0.2 0.2 0.1 0.2 0.3 0.2 0.3 0.2 0.3 0.2 0.1
Equity Earnings/(Loss) - before Taxes including Non-Recurring 0.3 0.6 0.4 0.6 0.2 0.2 0.4 0.4 0.4 0.3 0.4 0.3
Normalized Pre-tax Profit 14.7 15.7 13.3 13.0 18.0 20.6 20.9 23.6 22.0 18.9 16.4 22.0
Non-Recurring Income/Expense - Total 2.1 (0.4) (0.6) 2.4 0.6 0.7 1.0 (0.0) (0.2) 0.7 2.1 0.3
Impairment - Tangible & Intangible Fixed Assets (0.4) — — 0.0 — — (0.0) 0.0 — — 0.0 0.0
Impairment - Fixed Assets (0.4) — — — — — 0.0 — — — 0.0 0.0
Impairment - Intangibles excluding Goodwill — — — 0.0 — — (0.0) 0.0 — — — —
Impairment - Financial Investments (1.1) (0.4) (0.4) (1.4) (0.6) (0.9) (0.2) (0.0) (0.2) (0.5) (2.1) (0.3)
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0 — —
Fair Value Adjustments - Financial Investments 0.6 (0.8) (0.9) 1.0 (0.0) (0.3) 0.7 (0.0) (0.4) 0.2 — (0.0)
Income before Taxes 16.8 15.3 12.8 15.4 18.6 21.3 21.9 23.6 21.9 19.6 18.6 22.3
Income Taxes 8.7 8.0 7.0 8.5 9.6 10.6 14.3 10.9 10.5 9.3 12.2 10.9
Income Taxes for the Year - Current 9.1 8.4 7.0 7.7 10.0 11.0 9.8 12.3 12.0 10.2 11.6 11.0
Income Taxes - Deferred 1.3 (0.4) 0.0 0.8 (2.7) (0.4) 4.5 (1.5) (1.5) (0.9) (2.3) (0.0)
Income Taxes - Other (by Type) (1.7) — (0.0) 0.0 2.4 — (0.0) 0.0 — — 2.9 —
Net Income after Tax 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Income before Discontinued Operations & Extraordinary Items 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Net Income before Minority Interest 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Minority Interest 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 (0.0)
Net Income after Minority Interest 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Income Available to Common Shares 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Other Comprehensive Income - Starting Line 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Other Comprehensive Income - Foreign Currency (0.1) 0.0 0.0 (0.1) 0.0 0.1 0.0 (0.1) 0.0 (0.1) (0.0) 0.0
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 20.2 (17.1) 3.5 0.7 4.3 (2.0) (1.5) 6.4 1.2 0.3 7.4 2.8
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 0.0 0.0 0.1 0.0 0.0 0.0 (1.3) 0.0 0.0 (0.0) 0.4 (0.1)
Other Comprehensive Income - Pension Related — — (0.7) — — — 0.1 — — — — —
Other Comprehensive Income - Net of Tax - Total 20.1 (17.1) 2.9 0.6 4.3 (1.9) (2.7) 6.3 1.2 0.2 7.8 2.7
Comprehensive Income before Minority Interest - Total 28.2 (9.8) 8.6 7.5 13.4 8.8 4.8 19.1 12.7 10.4 14.2 14.1
Comprehensive Income - Attributable to Minority Interest - Total 0.0 (0.0) 0.0 0.0 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 28.2 (9.8) 8.6 7.5 13.3 8.8 4.8 19.1 12.7 10.4 14.1 14.1
DPS - Common - Gross - Issue - By Period End Date Rs 3.50 3.50 4.50 3.50 3.50 3.50 6.50 3.50 3.50 3.50 5.00 4.50
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Income available to Common excluding Extraordinary Items 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Shares used to calculate Basic EPS - Total mn 1,111.4 1,111.4 1,111.4 1,111.6 1,111.8 1,111.4 1,111.4 1,111.5 1,110.9 1,111.4 1,111.4 1,111.4
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 5.39 6.92 5.70 4.00 7.60 9.01 5.93 11.46 10.41 8.61 3.77 10.00
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
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× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 1,111.4 1,111.4 1,111.4 1,111.6 1,111.8 1,111.4 1,111.4 1,111.5 1,110.9 1,111.4 1,111.4 1,111.4
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 5.39 6.92 5.70 4.00 7.60 9.01 5.93 11.46 10.41 8.61 3.77 10.00
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
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 25.39 (8.83) 7.77 6.71 12.01 7.96 4.35 17.16 11.39 9.39 12.73 12.67
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Diluted Income available to Common excluding Extraordinary Items 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Shares used to calculate Diluted EPS - Total mn 1,111.4 1,111.4 1,111.4 1,111.6 1,111.8 1,111.4 1,111.4 1,111.5 1,110.9 1,111.4 1,111.4 1,111.4
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 5.39 6.92 5.70 4.00 7.60 9.01 5.93 11.46 10.41 8.61 3.77 10.00
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
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× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 1,111.4 1,111.4 1,111.4 1,111.6 1,111.8 1,111.4 1,111.4 1,111.5 1,110.9 1,111.4 1,111.4 1,111.4
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 7.31 6.54 5.20 6.19 8.15 9.65 6.83 11.46 10.27 9.22 5.70 10.24
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 5.39 6.92 5.70 4.00 7.60 9.01 5.93 11.46 10.41 8.61 3.77 10.00
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
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 25.39 (8.83) 7.77 6.71 12.01 7.96 4.35 17.16 11.39 9.39 12.73 12.67
DPS - Common - Gross - Issue - By Announcement Date Rs 3.50 4.50 3.50 3.50 3.50 6.50 3.50 3.50 3.50 5.00 4.50 4.50
DPS - Common - Net - Issue - By Announcement Date Rs 3.15 4.05 3.15 3.15 3.15 5.85 3.15 3.15 3.15 4.50 4.05 4.05
Earnings before Interest & Taxes (EBIT) 14.0 14.9 12.8 12.3 17.6 20.1 20.3 22.9 21.5 18.3 15.9 21.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 17.7 17.9 15.7 15.0 20.7 22.6 22.6 25.1 23.7 20.2 17.9 23.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 17.9 18.0 15.7 15.1 20.8 22.7 22.7 25.1 23.8 20.2 17.9 23.4
Depreciation & Amortization - Supplemental 0.9 0.9 0.8 0.8 0.8 0.7 0.7 0.7 0.7 0.6 0.6 0.7
Depreciation Expense - Total - Supplemental 0.8 0.8 0.8 0.8 0.7 0.7 0.6 0.6 0.6 0.6 0.6 0.6
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 0.8 0.8 0.8 0.8 0.7 0.7 0.6 0.6 0.6 0.6 0.6 0.6
Amortization - Total - Supplemental 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.1 0.1 0.1 0.1
Intangible Amortization - Other - Supplemental 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.1 0.1 0.1 0.1
Amortization of Computer Software - Supplemental 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.1 0.1 0.1 0.1
Depreciation, Depletion & Amortization - Total 3.7 3.0 2.9 2.7 3.1 2.5 2.3 2.1 2.3 1.9 2.0 1.8
Depreciation - Total 3.7 3.0 2.9 2.7 3.0 2.5 2.2 2.1 2.2 1.8 1.9 1.7
Amortization of Intangible Assets excluding Goodwill - Total 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.1 0.1 0.1 0.1
Labor & Related Expenses - Total 14.0 11.5 10.3 10.6 12.2 10.8 10.4 9.6 12.3 9.4 8.7 6.9
Labor & Related Expenses - Supplemental 14.0 11.5 10.3 10.6 12.2 10.8 10.4 9.6 12.3 9.4 8.7 6.9
Auditor Fees 0.0 0.0 0.0 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 0.0 0.0
Normalized after Tax Profit 6.0 7.7 6.3 4.5 8.5 10.0 6.6 12.7 11.6 9.6 4.2 11.1
Normalized Net Income from Continuing Operations 6.0 7.7 6.3 4.5 8.5 10.0 6.6 12.7 11.6 9.6 4.2 11.1
Normalized Net Income - Bottom Line 6.0 7.7 6.3 4.4 8.5 10.0 6.6 12.7 11.6 9.6 4.2 11.1
Earnings before Interest & Taxes (EBIT) - Normalized 14.7 15.7 13.3 13.0 18.0 20.6 20.9 23.6 22.0 18.9 16.4 22.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 18.4 18.8 16.2 15.7 21.2 23.1 23.2 25.8 24.3 20.8 18.4 23.8
Depreciation of Financial Lease Right-of-Use Assets 0.8 0.8 0.8 0.8 0.7 0.7 0.6 0.6 0.6 0.6 0.6 0.6
Loan Losses - Actual — — — — — — — — — — 0.7 0.0
Interest Expense on Financial Lease Liabilities - Supplemental 0.8 0.7 0.7 0.7 0.6 0.6 0.6 0.5 0.5 0.5 0.4 0.4
Rental/Operating Lease Expense 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0 0.0
Advertising Expenses - Supplemental 0.9 0.3 1.6 2.4 0.3 0.5 0.4 0.4 0.3 0.2 0.9 0.3
Interest Expense 52.5 49.9 45.4 49.4 52.3 59.3 73.3 80.6 86.4 82.7 73.3 66.7
Interest & Dividend Income after Loan Loss Provision - Net - Finance 32.2 31.3 31.3 31.5 33.5 34.0 37.4 38.3 37.6 30.3 32.2 34.1
Commissions & Fees from Securities Activities 1.7 1.8 0.2 3.1 1.9 1.8 1.8 4.2 2.0 2.0 1.8 1.6
Revenue after Loan Provisions - Net - Finance 84.7 81.3 76.7 80.9 85.8 93.3 110.7 118.9 123.9 112.9 105.5 100.8
Operating Expenses 28.3 25.2 25.7 26.7 22.5 21.3 25.3 25.2 22.8 25.7 28.4 17.8
Foreign Exchange Gain/(Loss) 4.1 2.3 1.8 2.1 1.4 2.2 0.0 0.4 1.0 2.5 1.5 1.5
Selling, General & Administrative Expenses excluding Research & Development Expenses 27.7 23.8 25.5 24.8 23.3 21.5 21.6 20.6 22.0 18.2 21.0 17.6
Investment Gain/(Loss) 0.3 (0.0) 0.2 0.0 0.1 0.1 (0.3) (0.0) 0.3 0.1 0.2 0.1
Non-Interest Expense - Bank 24.9 23.4 25.5 22.0 21.8 20.3 21.4 20.0 22.0 17.5 18.5 16.8
Income before Taxes & Provision for Loan Losses 17.4 16.7 12.9 17.0 18.3 21.1 24.3 28.1 22.2 26.5 25.8 22.6
DPS - Common - Gross - Issue - By Payable Date Rs 3.50 4.50 3.50 3.50 3.50 6.50 3.50 3.50 3.50 5.00 4.50 4.50
DPS - Common - Gross - Issue - By Ex Date Rs 3.50 4.50 3.50 3.50 3.50 6.50 3.50 3.50 3.50 5.00 4.50 4.50
Tax Adjusted Operating Income 8.1 7.3 5.8 6.9 9.1 10.7 7.6 12.7 11.4 10.3 6.3 11.4
Operating Expenses excluding Non-Cash Charges - Total 24.6 22.2 22.8 24.0 19.3 18.8 23.1 23.1 20.5 23.8 26.4 16.0
Revenue Net of Interest Expense Before Loan Loss Provision 42.3 40.1 38.4 39.0 40.1 41.4 45.7 48.2 44.2 44.0 44.3 39.4
Income from Earning Assets 89.4 84.8 78.7 84.6 86.7 95.2 112.8 123.8 125.2 122.4 114.3 102.6
Income Available to Common Shares before Depreciation & Amortization 11.9 10.3 8.7 9.6 12.2 13.2 9.9 14.9 13.7 12.1 8.3 13.2
Commissions and Fees 5.4 5.2 5.1 3.8 5.7 5.5 6.2 5.0 5.4 4.3 3.3 3.5
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×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 3.50 4.50 3.50 3.50 3.50 6.50 3.50 3.50 3.50 5.00 4.50 4.50

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.