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Commercial Banks

BOP The Bank of Punjab

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

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Last close · 16 Oct 2026

Rs 28.78 -0.10%

Quarterly · Q3 FY2021 – Q2 FY2026

The Bank of Punjab (BOP) quarterly income statement

The Bank of Punjab reported total income of Rs 28.2 bn for Q2 FY2026 (Apr – Jun 2026), up 12.1% on Q2 FY2025. Net interest income was Rs 24.0 bn, up 15.4% on Q2 FY2025, with non-interest income of Rs 4.2 bn. Tax of Rs 5.5 bn took 53.7% of pre-tax profit. Profit attributable to shareholders was Rs 4.7 bn, down 1.0% on Q2 FY2025, or Rs 1.43 per share.

BOP 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 262.2 63.7 67.0 64.4 67.2 66.1 69.1 80.4 91.9
Interest expense (170.5) (39.6) (44.8) (41.6) (44.5) (45.3) (53.9) (65.3) (78.5)
Net interest income 91.7 24.0 22.2 22.8 22.7 20.8 15.2 15.0 13.4
Fee & commission income (net) 16.9 4.5 4.8 4.5 3.1 2.6 2.8 3.7 2.9
Foreign exchange income 3.5 1.2 0.7 0.6 0.9 0.1 0.6 0.2 (0.1)
Gain / (loss) on securities (1.1) (1.5) (0.4) 0.1 0.7 1.6 0.5 6.7 2.7
Total non-interest income 19.3 4.2 5.1 5.3 4.8 4.3 3.9 10.6 5.6
Total income 111.0 28.2 27.3 28.0 27.5 25.1 19.1 25.6 19.0
Operating expenses (71.6) (18.0) (17.4) (19.5) (16.6) (14.4) (14.5) (15.3) (12.3)
Provisions & impairment (loans) 5.2 0.2 (0.3) 3.4 1.9 (0.6) 0.3 (0.8) (0.1)
Profit before tax 40.8 10.1 10.2 9.3 11.2 10.9 4.0 10.3 7.1
Taxation (22.4) (5.5) (5.5) (5.4) (6.1) (6.1) (2.2) (5.0) (3.5)
Profit after tax 18.4 4.7 4.7 3.9 5.1 4.7 1.8 5.3 3.6
Profit attributable to shareholders 18.3 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Per share
EPS – basic (Rs) Rs 5.59 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS – diluted (Rs) Rs 5.59 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
Dividend per share (Rs) Rs 3.10 1.60 0.00 1.50 0.00 1.00 0.00 1.80 0.00
Weighted average shares mn 3,289.8 3,289.8 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,283.2
BOP 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 -3.7% -3.0% -19.9% -26.9% -24.5% -18.1% -22.3% -5.5%
Interest expense -12.5% -16.9% -36.3% -43.4% -43.5% -28.8% -27.7% -9.2%
Net interest income +15.4% +46.6% +51.5% +69.0% +180.0% +74.3% +14.9% +24.5%
Fee & commission income (net) +74.4% +68.9% +22.1% +6.3% +8.9% +41.3% +316.7% +58.5%
Foreign exchange income +730.0% +28.5% +227.7% — -73.7% +178.1% -70.8% —
Gain / (loss) on securities -196.0% -182.7% -98.0% -73.1% -41.8% -28.9% +37.1% +821.6%
Total non-interest income -3.6% +31.1% -50.5% -14.4% -23.8% +34.0% +63.9% +457.5%
Total income +12.1% +43.5% +9.3% +44.5% +91.9% +64.2% +31.1% +61.2%
Operating expenses +25.6% +20.0% +27.0% +34.8% +46.6% +68.8% +61.8% +42.0%
Provisions & impairment (loans) — -192.0% — — — — — —
Profit before tax -6.6% +152.5% -9.3% +57.6% +205.6% +15.0% -16.0% +41.8%
Taxation -11.2% +145.4% +8.9% +74.5% +583.4% +23.5% -28.7% +40.2%
Profit after tax -0.6% +161.3% -26.3% +41.1% +77.9% +5.8% +0.8% +43.3%
Profit attributable to shareholders -1.0% +170.8% -27.2% +43.2% +82.9% +4.9% +1.1% +42.3%
Per share
EPS – basic (Rs) -1.5% +170.8% -27.2% +43.7% +82.9% +4.9% +1.1% +41.8%
EPS – diluted (Rs) -1.5% +170.8% -27.2% +43.7% +82.9% +4.9% +1.1% +41.8%
Dividend per share (Rs) +60.0% — -16.7% — — — +80.0% —
Weighted average shares — — — — — — — —

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

BOP 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 225.8% 245.2% 229.7% 244.4% 262.8% 362.4% 313.4% 483.4%
Interest expense (140.6%) (163.9%) (148.4%) (161.7%) (180.0%) (282.9%) (254.7%) (412.7%)
Net interest income 85.2% 81.3% 81.2% 82.6% 82.8% 79.5% 58.6% 70.7%
Fee & commission income (net) 15.9% 17.5% 16.0% 11.4% 10.2% 14.9% 14.3% 15.5%
Foreign exchange income 4.3% 2.7% 2.3% 3.3% 0.6% 3.0% 0.8% (0.5%)
Gain / (loss) on securities (5.4%) (1.5%) 0.5% 2.7% 6.4% 2.6% 26.3% 14.4%
Total non-interest income 14.8% 18.7% 18.8% 17.4% 17.2% 20.5% 41.4% 29.3%
Total income 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (64.0%) (63.6%) (69.6%) (60.5%) (57.1%) (76.0%) (59.9%) (64.9%)
Provisions & impairment (loans) 0.8% (0.9%) 12.0% 6.9% (2.3%) 1.5% (3.1%) (0.7%)
Profit before tax 36.0% 37.2% 33.3% 40.7% 43.2% 21.1% 40.1% 37.3%
Taxation (19.3%) (20.0%) (19.3%) (22.2%) (24.4%) (11.7%) (19.4%) (18.4%)
Profit after tax 16.7% 17.1% 14.0% 18.5% 18.8% 9.4% 20.8% 18.9%
Profit attributable to shareholders 16.7% 17.1% 13.8% 18.3% 18.9% 9.1% 20.8% 18.5%

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
BOP 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 24.0 22.2 22.8 22.7 20.8 15.2 15.0 13.4
Interest & Dividend Income - Finance - Total 63.7 67.0 64.4 67.2 66.1 69.1 80.4 91.9
Interest Income - Loans/Deposits — 25.4 27.0 24.2 24.3 24.9 26.7 28.9
Interest & Fees on Loans & Receivables — 24.8 26.2 23.7 23.8 24.4 25.3 28.0
Interest Income - Deposits to Other Financial Institutions — 0.6 0.8 0.5 0.5 0.6 1.5 0.9
Interest & Dividend Income - Other - Finance 63.7 0.8 (0.3) 0.1 0.1 1.7 5.2 0.1
Interest Income - Collateralized Financing — — — — — — — —
Interest & Dividend Income - Investment Securities - Finance — 40.9 37.7 42.9 41.7 42.4 48.5 63.0
Net Commission & Fees Income/Expense - Business Revenue 4.5 4.8 4.5 3.1 2.6 2.8 3.7 2.9
Fees & Commissions Income 4.5 5.1 4.5 3.6 3.1 3.3 3.8 3.1
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance — 40.9 37.7 42.9 41.7 42.4 48.5 63.0
Fees & Commissions Expense — 0.3 — 0.5 0.5 0.4 0.2 0.1
Investments & Loans - Business - Gain/(Loss) (1.5) (0.4) 0.1 0.7 1.6 0.5 6.7 2.7
Interest Expense - Finance - Total 39.6 44.8 41.6 44.5 45.3 53.9 65.3 78.5
Interest Expense - Operational Financing - Business 39.6 31.4 32.7 33.2 34.6 38.3 52.9 58.9
Interest Expense - Deposits — 31.1 32.7 33.0 34.9 37.6 52.1 58.9
Investment Securities - Business - Gain/(Loss) (1.5) (0.4) 0.1 0.7 1.6 0.5 6.7 2.7
Interest Expense - Collateralized Financing — — — — — — — —
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) — (0.1) 0.4 1.1 1.8 0.7 — 2.7
Interest Expenses - Other - Total — 0.2 — 0.2 (0.3) 0.7 0.8 —
Interest Expense - External Financing Business — 13.5 8.9 11.2 10.7 15.6 12.4 19.6
Non-Interest Business Revenue/(Expense) - Net - Total 4.2 5.1 5.3 4.8 4.3 3.9 10.6 5.6
Derivatives - Hedging - Business - Gain/(Loss) 0.0 0.0 0.0 — 0.0 — 0.0 0.0
Net Foreign Exchange Income/(Expense) - Business Revenue 1.2 0.7 0.6 0.9 0.1 0.6 0.2 (0.1)
Trading Investments/Trading Account Income - Gain/(Loss) — 0.0 (0.0) (0.1) 0.1 0.0 — 0.1
Trading Investments - Unrealized Gain/(Loss) — 0.0 (0.0) (0.1) 0.1 0.0 — 0.1
Investment Securities - Business Unclassified - Gain/(Loss) (1.1) — — — — — 6.9 —
Investment Gain/(Loss) - Other (0.5) (0.3) (0.3) (0.2) (0.3) (0.3) (0.1) (0.1)
Revenue from Business Activities - Total 28.2 27.3 28.0 27.5 25.1 19.1 25.6 19.0
Selling, General & Administrative Expenses - Total 17.9 17.6 16.4 14.9 14.9 14.1 16.1 12.1
Selling, General & Administrative Expenses - Unclassified 17.7 6.0 6.6 5.2 5.2 4.3 4.6 3.1
Depreciation in Selling, General & Administrative Expenses — 2.0 1.9 1.7 1.5 1.4 1.4 1.2
Amortization of Intangibles in Selling, General & Administrative Expenses — 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Other Operating Expense/(Income) - Net (0.1) 0.1 (0.2) (0.1) 0.0 0.1 0.1 0.4
Other Operating Income - Total 0.1 0.0 0.2 0.0 0.0 0.0 0.1 —
Operating Expenses - Total 18.0 17.4 19.5 16.6 14.4 14.5 15.3 12.3
Provision & Impairment for Loan Losses 0.2 (0.3) 3.4 1.9 (0.6) 0.3 (0.8) (0.1)
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 0.2 9.2 7.7 7.5 7.7 8.1 9.9 7.5
Selling, General & Administrative Expenses - Other - Total — 0.3 0.0 0.3 0.3 0.2 0.0 0.2
Advertising Expense — 0.3 — 0.3 0.3 0.2 — 0.1
Rental Expense — 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Operating Profit before Non-Recurring Income/(Expense) 10.1 10.0 8.5 10.9 10.8 4.6 10.3 6.7
Other Operating Expense 0.0 0.0 — 0.1 0.0 0.0 0.0 0.3
Operating Provisions - Increase/(Decrease) — 0.1 0.0 (0.2) 0.0 0.1 0.2 0.1
Sale of Tangible & Intangible Fixed Assets - Gain/Loss — 0.0 0.1 0.2 0.1 0.0 0.0 0.0
Equity Earnings/(Loss) - before Taxes including Non-Recurring (0.0) 0.0 0.0 — — — — —
Normalized Pre-tax Profit 10.1 10.0 8.6 11.1 10.9 4.6 10.3 6.7
Non-Recurring Income/Expense - Total — 0.2 0.7 0.1 0.0 (0.6) (0.0) 0.4
Impairment - Financial Investments — (0.0) (0.6) (0.0) (0.0) 0.6 0.1 (0.1)
Litigation Expenses/Settlements — — — — — — 0.0 (0.3)
Early Extinguishment of Lease Related Debts - Gain/(Loss) — 0.2 0.1 0.1 0.0 0.0 0.1 0.0
COVID-19 Non-Recurring Income/(Expense) - Total — — 0.0 — — — (0.0) —
COVID-19 Non-Recurring Income/(Expense) – Other — — 0.0 — — — (0.0) —
Provision for Income Tax Expense- Unclassified 5.5 — — — — — 0.0 —
Income before Taxes 10.1 10.2 9.3 11.2 10.9 4.0 10.3 7.1
Income Taxes 5.5 5.5 5.4 6.1 6.1 2.2 5.0 3.5
Income Taxes for the Year - Current — 5.8 4.9 6.8 6.1 3.4 4.1 3.4
Income Taxes - Deferred — (0.4) (0.3) (0.7) 0.1 (1.2) 0.8 0.1
Income Taxes - Other (by Type) — — 0.8 — — — — —
Net Income after Tax 4.7 4.7 3.9 5.1 4.7 1.8 5.3 3.6
Income before Discontinued Operations & Extraordinary Items 4.7 4.7 3.9 5.1 4.7 1.8 5.3 3.6
Net Income before Minority Interest 4.7 4.7 3.9 5.1 4.7 1.8 5.3 3.6
Minority Interest (0.0) 0.0 0.0 0.1 (0.0) 0.1 (0.0) 0.1
Net Income after Minority Interest 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Income Available to Common Shares 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Other Comprehensive Income - Starting Line — 4.7 3.9 5.1 4.7 1.8 5.3 3.6
Other Comprehensive Income - Unrealized Investment Gain/(Loss) — (7.6) 1.9 (0.3) 3.5 (1.1) (1.8) 2.8
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets — — 0.0 — — — 2.4 0.0
Other Comprehensive Income - Pension Related — — (0.1) — — — 0.0 —
Other Comprehensive Income - Net of Tax - Total — (7.6) 1.8 (0.3) 3.5 (1.1) 0.7 2.8
Comprehensive Income before Minority Interest - Total — (2.9) 5.7 4.7 8.3 0.7 6.0 6.4
Comprehensive Income - Attributable to Minority Interest - Total — 0.0 0.0 0.1 (0.0) 0.1 (0.0) 0.1
Comprehensive Income - Attributable to Parent Company Equity Holders - Total — (2.9) 5.7 4.7 8.3 0.6 6.0 6.3
DPS - Common - Gross - Issue - By Period End Date Rs 1.60 0.00 1.50 0.00 1.00 0.00 1.80 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Income available to Common excluding Extraordinary Items 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Shares used to calculate Basic EPS - Total mn 3,289.8 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,283.2
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 1.43 1.38 0.96 1.51 1.45 0.71 1.64 0.95
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
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 3,289.8 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,283.2
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 1.43 1.38 0.96 1.51 1.45 0.71 1.64 0.95
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs — (0.89) 1.74 1.44 2.53 0.19 1.85 1.92
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Diluted Income available to Common excluding Extraordinary Items 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Shares used to calculate Diluted EPS - Total mn 3,289.8 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,283.2
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 1.43 1.38 0.96 1.51 1.45 0.71 1.64 0.95
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
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 3,289.8 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,271.6 3,283.2
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 1.43 1.43 1.19 1.54 1.45 0.53 1.63 1.07
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 1.43 1.38 0.96 1.51 1.45 0.71 1.64 0.95
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs — (0.89) 1.74 1.44 2.53 0.19 1.85 1.92
DPS - Common - Gross - Issue - By Announcement Date Rs 0.00 1.50 0.00 1.00 0.00 1.80 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 0.00 1.35 0.00 0.90 0.00 1.62 0.00 0.00
Earnings before Interest & Taxes (EBIT) 10.1 10.0 8.5 10.9 10.8 4.6 10.3 6.7
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 12.4 12.1 10.6 12.7 12.4 6.1 11.8 8.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments — 12.1 10.6 12.7 12.4 6.1 11.8 8.1
Depreciation & Amortization - Supplemental — 2.1 2.1 1.8 1.6 1.5 1.5 1.3
Depreciation Expense - Total - Supplemental — 2.0 1.9 1.7 1.5 1.4 1.4 1.2
Depreciation - Financial Lease Right-of-Use Assets - Supplemental — 0.7 0.6 0.6 0.5 0.5 0.5 0.5
Amortization - Total - Supplemental — 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
Amortization of Computer Software - Supplemental — 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Depreciation, Depletion & Amortization - Total 2.2 2.1 2.1 1.8 1.6 1.5 1.5 1.3
Depreciation - Total 2.1 2.0 1.9 1.7 1.5 1.4 1.4 1.2
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 — 9.2 7.7 7.5 7.7 8.1 9.9 7.5
Labor & Related Expenses - Supplemental — 9.2 7.7 7.5 7.7 8.1 9.9 7.5
Normalized after Tax Profit 4.7 4.5 3.2 5.0 4.7 2.4 5.4 3.2
Normalized Net Income from Continuing Operations 4.7 4.5 3.2 5.0 4.7 2.4 5.4 3.2
Normalized Net Income - Bottom Line 4.7 4.5 3.2 4.9 4.7 2.3 5.4 3.1
Earnings before Interest & Taxes (EBIT) - Normalized 10.1 10.0 8.6 11.1 10.9 4.6 10.3 6.7
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 12.4 12.1 10.7 12.9 12.5 6.2 11.8 8.0
Loan Losses - Actual — — — — — — — 0.0
Interest Expense on Financial Lease Liabilities - Supplemental — 0.6 0.6 0.6 0.6 0.6 0.6 0.5
Rental/Operating Lease Expense — 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Advertising Expenses - Supplemental — 0.3 — 0.3 0.3 0.2 — 0.1
Interest Expense 39.6 44.8 41.6 44.5 45.3 53.9 65.3 78.5
Interest & Dividend Income after Loan Loss Provision - Net - Finance 23.8 22.5 19.4 20.8 21.4 14.9 15.8 13.6
Revenue after Loan Provisions - Net - Finance 63.5 67.3 61.0 65.3 66.7 68.8 81.2 92.1
Operating Expenses 18.0 17.4 19.5 16.6 14.4 14.5 15.3 12.3
Foreign Exchange Gain/(Loss) 1.2 0.7 0.6 0.9 0.1 0.6 0.2 (0.1)
Selling, General & Administrative Expenses excluding Research & Development Expenses 17.9 17.6 16.4 14.9 14.9 14.1 16.1 12.1
Investment Gain/(Loss) (1.5) (0.3) 0.2 0.8 1.7 0.6 6.8 2.8
Non-Interest Expense - Bank 17.8 17.4 15.3 14.4 14.9 14.8 16.2 12.1
Income before Taxes & Provision for Loan Losses 10.4 9.9 12.7 13.1 10.3 4.3 9.5 7.0
DPS - Common - Gross - Issue - By Payable Date Rs 0.00 1.50 0.00 1.00 0.00 1.80 0.00 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 0.00 1.50 0.00 1.00 0.00 1.80 0.00 0.00
Tax Adjusted Operating Income 4.7 4.7 3.9 5.0 4.8 1.7 5.3 3.5
Operating Expenses excluding Non-Cash Charges - Total 15.8 15.3 17.4 14.8 12.7 12.9 13.9 11.0
Revenue Net of Interest Expense Before Loan Loss Provision 28.2 27.3 28.0 27.5 25.1 19.1 25.6 19.0
Income from Earning Assets 63.3 67.4 65.1 68.7 67.9 70.2 87.3 94.7
Income Available to Common Shares before Depreciation & Amortization 6.9 6.8 5.9 6.9 6.4 3.3 6.8 4.8
Commissions and Fees 4.5 4.8 4.5 3.1 2.6 2.8 3.7 2.9
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 0.00 1.50 0.00 1.00 0.00 1.80 0.00 0.00

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