FABL Faysal Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 91.49 +0.10%
Quarterly · Q3 FY2021 – Q2 FY2026
Faysal Bank Limited (FABL) quarterly income statement
Faysal Bank Limited reported total income of Rs 24.4 bn for Q2 FY2026 (Apr – Jun 2026), up 3.9% on Q2 FY2025. Net interest income was Rs 17.7 bn, up 1.8% on Q2 FY2025, with non-interest income of Rs 6.7 bn. Tax of Rs 5.0 bn took 49.9% of pre-tax profit. Profit attributable to shareholders was Rs 5.0 bn, up 0.2% on Q2 FY2025, or Rs 3.31 per share.
| 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 | 163.7 | 43.1 | 38.3 | 41.3 | 41.0 | 42.1 | 42.1 | 50.3 | 73.7 | ||||||||||||
| Interest expense | (94.7) | (25.4) | (22.5) | (23.5) | (23.3) | (24.7) | (24.9) | (29.5) | (52.0) | ||||||||||||
| Net interest income | 69.0 | 17.7 | 15.8 | 17.8 | 17.7 | 17.4 | 17.3 | 20.7 | 21.7 | ||||||||||||
| Fee & commission income (net) | 17.4 | 4.2 | 4.3 | 5.4 | 3.6 | 4.0 | 3.8 | 3.7 | 3.0 | ||||||||||||
| Foreign exchange income | 8.7 | 2.6 | 2.0 | 2.0 | 2.2 | 2.0 | 1.7 | 1.9 | 0.6 | ||||||||||||
| Gain / (loss) on securities | 10.9 | (0.1) | 3.2 | 5.5 | 2.2 | 0.1 | (0.0) | 0.3 | 0.1 | ||||||||||||
| Total non-interest income | 37.1 | 6.7 | 9.4 | 13.0 | 8.0 | 6.1 | 5.5 | 5.8 | 3.8 | ||||||||||||
| Total income | 106.1 | 24.4 | 25.2 | 30.8 | 25.7 | 23.5 | 22.7 | 26.5 | 25.5 | ||||||||||||
| Operating expenses | (59.5) | (14.6) | (14.3) | (16.4) | (14.1) | (12.5) | (12.4) | (14.7) | (12.4) | ||||||||||||
| Provisions & impairment (loans) | (2.1) | (0.3) | (0.5) | (0.7) | (0.7) | (1.2) | (1.4) | (0.7) | (0.6) | ||||||||||||
| Profit before tax | 47.5 | 10.0 | 11.0 | 14.6 | 11.9 | 11.1 | 11.5 | 12.2 | 13.2 | ||||||||||||
| Taxation | (24.7) | (5.0) | (5.7) | (7.6) | (6.3) | (6.0) | (6.1) | (8.7) | (6.4) | ||||||||||||
| Profit after tax | 22.8 | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 | ||||||||||||
| Profit attributable to shareholders | 22.8 | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 | ||||||||||||
| Per share | |||||||||||||||||||||
| EPS – basic (Rs) Rs | 15.03 | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 | ||||||||||||
| EPS – diluted (Rs) Rs | 15.03 | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 | ||||||||||||
| Dividend per share (Rs) Rs | 6.50 | 1.50 | 1.50 | 2.00 | 1.50 | 1.50 | 1.50 | 2.50 | 1.50 | ||||||||||||
| Weighted average shares mn | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | ||||||||||||
| 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 | +2.6% | -9.2% | -17.8% | -44.4% | -29.4% | -29.2% | -33.6% | +43.7% | ||||||||||||
| Interest expense | +3.1% | -9.5% | -20.5% | -55.2% | -38.1% | -38.9% | -44.9% | +58.2% | ||||||||||||
| Net interest income | +1.8% | -8.7% | -14.0% | -18.4% | -11.8% | -8.1% | -5.8% | +17.7% | ||||||||||||
| Fee & commission income (net) | +4.8% | +13.0% | +43.5% | +18.3% | +31.1% | +25.9% | +48.3% | +22.9% | ||||||||||||
| Foreign exchange income | +28.1% | +13.5% | +5.5% | +250.1% | +69.4% | +8.1% | -26.4% | +36.9% | ||||||||||||
| Gain / (loss) on securities | -204.7% | — | +1,936.7% | +1,615.8% | -66.7% | -116.4% | +106.9% | — | ||||||||||||
| Total non-interest income | +10.0% | +72.1% | +122.8% | +111.6% | +34.9% | +14.1% | +7.6% | +59.9% | ||||||||||||
| Total income | +3.9% | +10.8% | +16.0% | +0.9% | -3.1% | -3.6% | -3.2% | +22.5% | ||||||||||||
| Operating expenses | +17.0% | +15.7% | +11.9% | +13.3% | +18.0% | +11.1% | +46.9% | +0.7% | ||||||||||||
| Provisions & impairment (loans) | — | — | — | — | — | -3,597.9% | — | -130.5% | ||||||||||||
| Profit before tax | -9.2% | -3.9% | +19.4% | -10.3% | -18.8% | -9.6% | -29.6% | +42.6% | ||||||||||||
| Taxation | -17.1% | -6.1% | -11.6% | -2.0% | -9.4% | -0.4% | -7.9% | +39.3% | ||||||||||||
| Profit after tax | +0.2% | -1.5% | +95.1% | -18.2% | -27.9% | -18.2% | -55.3% | +46.0% | ||||||||||||
| Profit attributable to shareholders | +0.2% | -1.5% | +95.1% | -18.2% | -27.9% | -18.2% | -55.3% | +46.0% | ||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +0.2% | -1.5% | +95.1% | -18.2% | -27.9% | -18.2% | -55.3% | +46.0% | ||||||||||||
| EPS – diluted (Rs) | +0.2% | -1.5% | +95.1% | -18.2% | -27.9% | -18.2% | -55.3% | +46.0% | ||||||||||||
| Dividend per share (Rs) | 0.0% | 0.0% | -20.0% | 0.0% | -25.0% | +50.0% | +25.0% | +50.0% | ||||||||||||
| Weighted average shares | — | — | — | — | — | — | — | — | ||||||||||||
Change against the same quarter a year earlier; shown when the earlier figure is positive.
| 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 | 176.9% | 151.9% | 134.2% | 159.2% | 179.2% | 185.4% | 189.4% | 288.9% |
| Interest expense | (104.2%) | (89.4%) | (76.3%) | (90.4%) | (105.1%) | (109.5%) | (111.3%) | (203.8%) |
| Net interest income | 72.7% | 62.5% | 57.9% | 68.8% | 74.2% | 75.9% | 78.1% | 85.1% |
| Fee & commission income (net) | 17.2% | 16.9% | 17.5% | 14.0% | 17.1% | 16.6% | 14.1% | 11.9% |
| Foreign exchange income | 10.5% | 7.8% | 6.6% | 8.5% | 8.5% | 7.6% | 7.3% | 2.4% |
| Gain / (loss) on securities | (0.4%) | 12.7% | 18.0% | 8.7% | 0.3% | (0.2%) | 1.0% | 0.5% |
| Total non-interest income | 27.3% | 37.5% | 42.1% | 31.2% | 25.8% | 24.1% | 21.9% | 14.9% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (60.0%) | (56.7%) | (53.4%) | (54.8%) | (53.3%) | (54.3%) | (55.4%) | (48.8%) |
| Provisions & impairment (loans) | (1.2%) | (1.9%) | (2.2%) | (2.6%) | (5.0%) | (6.2%) | (2.7%) | (2.5%) |
| Profit before tax | 41.2% | 43.8% | 47.3% | 46.0% | 47.1% | 50.5% | 45.9% | 51.8% |
| Taxation | (20.6%) | (22.7%) | (24.8%) | (24.5%) | (25.8%) | (26.7%) | (32.6%) | (25.2%) |
| Profit after tax | 20.6% | 21.1% | 22.5% | 21.6% | 21.4% | 23.8% | 13.4% | 26.6% |
| Profit attributable to shareholders | 20.6% | 21.1% | 22.5% | 21.6% | 21.4% | 23.8% | 13.4% | 26.6% |
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 150
| 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 | 17.7 | 15.8 | 17.8 | 17.7 | 17.4 | 17.3 | 20.7 | 21.7 |
| Interest & Dividend Income - Finance - Total | 43.1 | 38.3 | 41.3 | 41.0 | 42.1 | 42.1 | 50.3 | 73.7 |
| Interest Income - Loans/Deposits | 24.8 | 21.7 | 22.6 | 20.5 | 20.9 | 19.3 | 22.9 | 25.1 |
| Interest & Fees on Loans & Receivables | 24.8 | 21.7 | 22.6 | 20.5 | 20.9 | 19.3 | 22.9 | 25.1 |
| Interest Income - Deposits to Other Financial Institutions | — | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 |
| Interest & Dividend Income - Other - Finance | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.0 | 0.1 | 17.5 |
| Interest Income - Collateralized Financing | — | — | — | — | — | — | — | — |
| Interest & Dividend Income - Investment Securities - Finance | 18.1 | 16.5 | 18.5 | 20.4 | 21.0 | 22.8 | 27.3 | 31.0 |
| Net Commission & Fees Income/Expense - Business Revenue | 4.2 | 4.3 | 5.4 | 3.6 | 4.0 | 3.8 | 3.7 | 3.0 |
| Fees & Commissions Income | 4.5 | 4.5 | 5.5 | 5.3 | 4.2 | 4.0 | 4.0 | 3.1 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 18.1 | 16.5 | 18.5 | 20.4 | 21.0 | 22.8 | 27.3 | 31.0 |
| Fees & Commissions Expense | 0.3 | 0.2 | 0.1 | 1.7 | 0.2 | 0.2 | 0.2 | 0.0 |
| Investments & Loans - Business - Gain/(Loss) | (0.1) | 3.2 | 5.5 | 2.3 | 0.1 | (0.0) | 0.1 | 0.1 |
| Interest Expense - Finance - Total | 25.4 | 22.5 | 23.5 | 23.3 | 24.7 | 24.9 | 29.5 | 52.0 |
| Interest Expense - Operational Financing - Business | 18.8 | 17.9 | 18.8 | 17.6 | 15.9 | 14.5 | 23.4 | 30.7 |
| Interest Expense - Deposits | 17.9 | 17.5 | 18.5 | 16.7 | 14.8 | 13.6 | 22.3 | 29.1 |
| Investment Securities - Business - Gain/(Loss) | (0.1) | 3.2 | 5.5 | 2.2 | 0.1 | (0.0) | 0.3 | 0.1 |
| Interest Expense - Collateralized Financing | — | — | — | — | — | — | — | — |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 0.0 | 3.4 | 5.6 | 2.3 | 0.2 | 0.0 | 0.3 | 0.1 |
| Interest Expenses - Other - Total | 0.9 | 0.4 | 0.3 | 0.9 | 1.1 | 0.9 | 1.1 | 1.6 |
| Interest Expense - External Financing Business | 6.6 | 4.7 | 4.7 | 5.7 | 8.8 | 10.4 | 6.1 | 21.2 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 6.7 | 9.4 | 13.0 | 8.0 | 6.1 | 5.5 | 5.8 | 3.8 |
| Derivatives - Hedging - Business - Gain/(Loss) | (0.0) | 0.0 | (0.0) | 0.0 | (0.0) | 0.0 | (0.1) | 0.0 |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 2.6 | 2.0 | 2.0 | 2.2 | 2.0 | 1.7 | 1.9 | 0.6 |
| Trading Investments/Trading Account Income - Gain/(Loss) | — | (0.0) | — | — | — | — | (0.0) | 0.0 |
| Trading Investments - Unrealized Gain/(Loss) | — | (0.0) | — | — | — | — | (0.0) | 0.0 |
| Investment Securities - Business Unclassified - Gain/(Loss) | 0.0 | 0.0 | — | — | — | — | — | — |
| Investment Gain/(Loss) - Other | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | 0.0 | 0.0 |
| Revenue from Business Activities - Total | 24.4 | 25.2 | 30.8 | 25.7 | 23.5 | 22.7 | 26.5 | 25.5 |
| Selling, General & Administrative Expenses - Total | 14.8 | 14.4 | 16.4 | 14.8 | 13.5 | 13.5 | 15.1 | 12.8 |
| Selling, General & Administrative Expenses - Unclassified | 6.1 | 5.9 | 7.3 | 6.1 | 5.4 | 5.4 | 6.2 | 5.2 |
| Depreciation in Selling, General & Administrative Expenses | 2.1 | 2.1 | 2.0 | 2.0 | 1.9 | 1.7 | 1.6 | 1.4 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Other Operating Expense/(Income) - Net | 0.1 | 0.4 | 0.7 | (0.1) | 0.2 | 0.2 | 0.4 | 0.3 |
| Other Operating Income - Total | 0.0 | 0.0 | 0.0 | 0.1 | — | 0.1 | 0.0 | 0.0 |
| Operating Expenses - Total | 14.6 | 14.3 | 16.4 | 14.1 | 12.5 | 12.4 | 14.7 | 12.4 |
| Provision & Impairment for Loan Losses | (0.3) | (0.5) | (0.7) | (0.7) | (1.2) | (1.4) | (0.7) | (0.6) |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 4.8 | 5.4 | 5.7 | 5.3 | 5.5 | 5.4 | 6.0 | 5.4 |
| Selling, General & Administrative Expenses - Other - Total | 1.5 | 0.9 | 1.3 | 1.3 | 0.6 | 0.9 | 1.1 | 0.7 |
| Advertising Expense | 1.3 | 0.7 | 1.1 | 1.1 | 0.4 | 0.8 | 0.9 | 0.6 |
| Rental Expense | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.2 | 0.1 |
| Operating Profit before Non-Recurring Income/(Expense) | 9.8 | 10.9 | 14.3 | 11.6 | 11.0 | 10.4 | 11.8 | 13.1 |
| Other Operating Expense | 0.2 | 0.3 | 0.7 | 0.1 | 0.2 | 0.2 | 0.6 | 0.2 |
| Operating Provisions - Increase/(Decrease) | (0.0) | 0.1 | 0.0 | (0.0) | (0.0) | 0.1 | (0.2) | 0.1 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.2 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.0 | 0.2 | 0.1 |
| Sale of Leased Fixed Assets - Gain/(Loss) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized Pre-tax Profit | 10.0 | 11.0 | 14.5 | 11.9 | 11.1 | 10.4 | 12.0 | 13.2 |
| Non-Recurring Income/Expense - Total | 0.0 | (0.0) | 0.0 | 0.0 | (0.0) | 1.0 | 0.2 | 0.0 |
| Impairment - Tangible & Intangible Fixed Assets | — | — | — | — | — | — | 0.0 | — |
| Impairment - Financial Investments | (0.0) | 0.0 | (0.0) | (0.0) | 0.0 | (1.0) | (0.2) | (0.0) |
| Fair Value Adjustments - Financial Investments | — | — | — | — | — | — | — | 0.0 |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | 0.0 | 0.0 | — | 0.0 |
| Income before Taxes | 10.0 | 11.0 | 14.6 | 11.9 | 11.1 | 11.5 | 12.2 | 13.2 |
| Income Taxes | 5.0 | 5.7 | 7.6 | 6.3 | 6.0 | 6.1 | 8.7 | 6.4 |
| Impairment - Goodwill | — | — | — | — | — | — | 0.0 | — |
| Income Taxes for the Year - Current | 5.5 | 6.0 | 5.4 | 5.9 | 8.0 | 5.9 | 7.9 | 5.8 |
| Income Taxes - Deferred | (0.4) | (0.3) | (0.0) | 0.4 | (2.0) | 0.2 | 0.8 | 0.3 |
| Income Taxes - Other (by Type) | — | — | 2.3 | — | — | — | (0.1) | 0.3 |
| Net Income after Tax | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Income before Discontinued Operations & Extraordinary Items | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Net Income before Minority Interest | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Minority Interest | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Net Income after Minority Interest | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Income Available to Common Shares | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Other Comprehensive Income - Starting Line | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | — | — | (6.5) | — | — | — | 3.0 | 5.8 |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | 1.2 | (6.2) | 4.5 | (0.7) | 1.6 | (4.4) | (0.2) | 1.3 |
| Other Comprehensive Income - Other | — | — | — | — | — | — | — | 0.0 |
| Other Comprehensive Income - Pension Related | — | — | 0.1 | — | — | — | (0.1) | — |
| Other Comprehensive Income - Net of Tax - Total | 1.2 | (6.2) | (1.9) | (0.7) | 1.6 | (4.4) | 2.8 | 7.1 |
| Comprehensive Income before Minority Interest - Total | 6.2 | (0.9) | 5.0 | 4.8 | 6.6 | 1.0 | 6.3 | 13.9 |
| Comprehensive Income - Attributable to Minority Interest - Total | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 6.2 | (0.9) | 5.0 | 4.8 | 6.6 | 1.0 | 6.3 | 13.9 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 1.50 | 1.50 | 2.00 | 1.50 | 1.50 | 1.50 | 2.50 | 1.50 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Income available to Common excluding Extraordinary Items | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Shares used to calculate Basic EPS - Total mn | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 3.30 | 3.51 | 4.54 | 3.66 | 3.30 | 2.88 | 2.23 | 4.45 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| 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 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 3.30 | 3.51 | 4.54 | 3.66 | 3.30 | 2.88 | 2.23 | 4.45 |
| 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 | 4.08 | (0.57) | 3.31 | 3.19 | 4.34 | 0.67 | 4.18 | 9.13 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Diluted Income available to Common excluding Extraordinary Items | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Shares used to calculate Diluted EPS - Total mn | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 3.30 | 3.51 | 4.54 | 3.66 | 3.30 | 2.88 | 2.23 | 4.45 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| 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 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 | 1,517.7 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 3.31 | 3.51 | 4.56 | 3.66 | 3.30 | 3.56 | 2.34 | 4.47 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 3.30 | 3.51 | 4.54 | 3.66 | 3.30 | 2.88 | 2.23 | 4.45 |
| 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 | 4.08 | (0.57) | 3.31 | 3.19 | 4.34 | 0.67 | 4.18 | 9.13 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 1.50 | 2.00 | 1.50 | 1.50 | 1.50 | 2.50 | 1.50 | 2.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 1.35 | 1.80 | 1.35 | 1.35 | 1.35 | 2.25 | 1.35 | 1.80 |
| Earnings before Interest & Taxes (EBIT) | 9.8 | 10.9 | 14.3 | 11.6 | 11.0 | 10.4 | 11.8 | 13.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 12.1 | 13.2 | 16.5 | 13.8 | 13.0 | 12.2 | 13.6 | 14.6 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 12.3 | 13.3 | 16.7 | 13.9 | 13.1 | 12.4 | 13.8 | 14.7 |
| Depreciation & Amortization - Supplemental | 2.3 | 2.3 | 2.2 | 2.1 | 2.0 | 1.9 | 1.7 | 1.5 |
| Depreciation Expense - Total - Supplemental | 2.1 | 2.1 | 2.0 | 2.0 | 1.9 | 1.7 | 1.6 | 1.4 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 0.7 | 0.7 | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 | 0.5 |
| Amortization - Total - Supplemental | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Intangible Amortization - Other - Supplemental | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Amortization of Computer Software - Supplemental | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Depreciation, Depletion & Amortization - Total | 2.3 | 2.3 | 2.2 | 2.1 | 2.0 | 1.9 | 1.8 | 1.5 |
| Depreciation - Total | 2.1 | 2.1 | 2.0 | 2.0 | 1.9 | 1.7 | 1.6 | 1.4 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.2 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Labor & Related Expenses - Total | 4.8 | 5.4 | 5.7 | 5.3 | 5.5 | 5.4 | 6.0 | 5.4 |
| Labor & Related Expenses - Supplemental | 4.8 | 5.4 | 5.7 | 5.3 | 5.5 | 5.4 | 6.0 | 5.4 |
| Normalized after Tax Profit | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 4.4 | 3.4 | 6.8 |
| Normalized Net Income from Continuing Operations | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 4.4 | 3.4 | 6.8 |
| Normalized Net Income - Bottom Line | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 4.4 | 3.4 | 6.8 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 10.0 | 11.0 | 14.5 | 11.9 | 11.1 | 10.4 | 12.0 | 13.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 12.3 | 13.3 | 16.7 | 14.0 | 13.1 | 12.3 | 13.8 | 14.7 |
| Loan Losses - Net | (0.1) | (0.1) | 0.0 | (0.1) | (0.1) | (0.1) | (0.1) | (0.0) |
| Loan Recoveries - Actual | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 |
| Loan Losses - Actual | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 0.6 | 0.6 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 |
| Rental/Operating Lease Expense | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.2 | 0.1 |
| Advertising Expenses - Supplemental | 1.3 | 0.7 | 1.1 | 1.1 | 0.4 | 0.8 | 0.9 | 0.6 |
| Interest Expense | 25.4 | 22.5 | 23.5 | 23.3 | 24.7 | 24.9 | 29.5 | 52.0 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 18.0 | 16.2 | 18.5 | 18.4 | 18.6 | 18.7 | 21.5 | 22.3 |
| Commissions & Fees from Securities Activities | 2.4 | 0.6 | 1.4 | 0.2 | 1.1 | 0.8 | 2.5 | (0.9) |
| Revenue after Loan Provisions - Net - Finance | 43.4 | 38.8 | 42.0 | 41.6 | 43.2 | 43.5 | 51.0 | 74.3 |
| Operating Expenses | 14.6 | 14.3 | 16.4 | 14.1 | 12.5 | 12.4 | 14.7 | 12.4 |
| Foreign Exchange Gain/(Loss) | 2.6 | 2.0 | 2.0 | 2.2 | 2.0 | 1.7 | 1.9 | 0.6 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 14.8 | 14.4 | 16.4 | 14.8 | 13.5 | 13.5 | 15.1 | 12.8 |
| Investment Gain/(Loss) | 0.1 | 3.4 | 5.8 | 2.3 | 0.3 | (0.0) | 0.4 | 0.2 |
| Non-Interest Expense - Bank | 14.6 | 14.7 | 16.9 | 14.6 | 13.6 | 12.7 | 15.1 | 12.9 |
| Income before Taxes & Provision for Loan Losses | 9.7 | 10.5 | 13.9 | 11.2 | 9.9 | 10.1 | 11.5 | 12.6 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 1.50 | 2.00 | 1.50 | 1.50 | 1.50 | 2.50 | 1.50 | 2.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 1.50 | 2.00 | 1.50 | 1.50 | 1.50 | 2.50 | 1.50 | 2.00 |
| Tax Adjusted Operating Income | 5.0 | 5.3 | 6.9 | 5.5 | 5.0 | 5.4 | 3.5 | 6.8 |
| Operating Expenses excluding Non-Cash Charges - Total | 12.3 | 12.0 | 14.3 | 12.0 | 10.5 | 10.5 | 12.9 | 10.9 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 24.4 | 25.2 | 30.8 | 25.7 | 23.5 | 22.7 | 26.5 | 25.5 |
| Income from Earning Assets | 45.6 | 43.4 | 48.9 | 45.4 | 44.1 | 43.8 | 52.5 | 74.4 |
| Income Available to Common Shares before Depreciation & Amortization | 7.3 | 7.6 | 9.1 | 7.7 | 7.1 | 7.3 | 5.3 | 8.3 |
| Commissions and Fees | 4.2 | 4.3 | 5.4 | 3.6 | 4.0 | 3.8 | 3.7 | 3.0 |
| 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 | 2.00 | 1.50 | 1.50 | 1.50 | 2.50 | 1.50 | 2.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.