HMB Habib Metropolitan Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 95.89 -0.96%
Annual · FY2006 – FY2025
Habib Metropolitan Bank Limited (HMB) income statement
Habib Metropolitan Bank Limited reported total income of Rs 91.8 bn for FY2025 (Jan – Dec 2025), down 1.9% on FY2024. Net interest income was Rs 69.1 bn, down 5.7% on FY2024, with non-interest income of Rs 22.7 bn. Tax of Rs 26.8 bn took 53.7% of pre-tax profit. Profit attributable to shareholders was Rs 22.7 bn, down 9.1% on FY2024, or Rs 21.63 per share.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 164.6 | 242.0 | 210.0 | 135.5 | 74.5 | 77.3 | 73.0 | 43.2 | 34.6 | 33.3 | 37.0 | 32.3 | 24.7 | 29.2 | 28.5 | 23.9 | 21.8 | 17.8 | 12.0 | 7.3 |
| Interest expense | (95.5) | (168.8) | (136.1) | (93.5) | (44.2) | (47.7) | (55.0) | (26.4) | (19.9) | (21.4) | (22.5) | (21.1) | (15.6) | (19.7) | (19.5) | (16.4) | (14.6) | (11.8) | (8.3) | (4.4) |
| Net interest income | 69.1 | 73.2 | 73.9 | 42.0 | 30.3 | 29.6 | 18.1 | 16.8 | 14.7 | 11.9 | 14.5 | 11.3 | 9.1 | 9.5 | 8.9 | 7.5 | 7.2 | 6.0 | 3.8 | 2.9 |
| Fee & commission income (net) | 11.2 | 10.8 | 9.3 | 7.9 | 6.8 | 5.4 | 5.3 | 3.9 | 3.5 | 3.1 | 3.0 | 2.5 | 2.3 | 2.2 | 1.8 | 1.6 | 1.3 | 1.2 | 1.0 | 0.6 |
| Foreign exchange income | 8.2 | 7.1 | 5.2 | 5.1 | 3.7 | 4.1 | 3.1 | 1.5 | 1.2 | 1.0 | 1.1 | 1.0 | 0.9 | 0.8 | 1.6 | 1.8 | 1.5 | 1.7 | 1.2 | 0.7 |
| Gain / (loss) on securities | 3.2 | 2.5 | (0.0) | (0.1) | 0.1 | (0.0) | (1.2) | 0.1 | 0.4 | 4.3 | 4.8 | 1.9 | 1.3 | 1.1 | 0.4 | 0.2 | 0.2 | 0.2 | 0.8 | 0.2 |
| Total non-interest income | 22.7 | 20.3 | 14.5 | 12.9 | 10.6 | 9.5 | 7.3 | 5.4 | 5.1 | 8.5 | 8.8 | 5.4 | 4.5 | 4.0 | 3.8 | 3.6 | 3.0 | 3.1 | 3.0 | 1.5 |
| Total income | 91.8 | 93.6 | 88.4 | 54.9 | 40.9 | 39.1 | 25.3 | 22.2 | 19.8 | 20.4 | 23.4 | 16.7 | 13.6 | 13.6 | 12.7 | 11.2 | 10.2 | 9.0 | 6.7 | 4.4 |
| Operating expenses | (42.7) | (39.6) | (35.2) | (26.3) | (19.2) | (18.5) | (13.7) | (12.0) | (9.9) | (10.0) | (10.8) | (9.3) | (8.6) | (8.5) | (4.0) | (3.6) | 1.2 | (1.2) | (0.2) | 1.5 |
| Provisions & impairment (loans) | 1.7 | 4.3 | 5.0 | 3.5 | 2.2 | 3.2 | 0.4 | 0.3 | (0.3) | 0.8 | 2.1 | 1.8 | 2.1 | 2.7 | 2.7 | 2.9 | 2.5 | 1.0 | 0.4 | 0.1 |
| Profit before tax | 50.0 | 54.1 | 53.1 | 28.5 | 22.0 | 20.4 | 11.6 | 10.3 | 9.5 | 10.3 | 12.6 | 7.3 | 5.1 | 5.0 | 4.6 | 4.0 | 4.2 | 4.8 | 4.2 | 3.1 |
| Taxation | (26.8) | (28.3) | (27.9) | (13.5) | (8.1) | (8.1) | (4.7) | (3.9) | (3.6) | (4.2) | (4.9) | (2.4) | (1.6) | (1.6) | (1.4) | (1.2) | (1.5) | (1.5) | (1.4) | (1.0) |
| Profit after tax | 23.2 | 25.8 | 25.2 | 14.9 | 13.9 | 12.3 | 7.0 | 6.4 | 5.9 | 6.1 | 7.7 | 4.9 | 3.5 | 3.4 | 3.3 | 2.8 | 2.7 | 3.3 | 2.8 | 2.1 |
| Profit attributable to shareholders | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 | 7.7 | 4.9 | 3.5 | 3.4 | 3.3 | 2.8 | 2.7 | 3.3 | 2.8 | 2.1 |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 | 7.32 | 4.72 | 3.37 | 3.24 | 3.14 | 2.68 | 2.62 | 3.14 | 2.67 | 2.36 |
| EPS – diluted (Rs) Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 | 7.32 | 4.72 | 3.37 | 3.24 | 2.82 | 2.68 | 2.62 | 3.14 | 2.67 | 2.36 |
| Dividend per share (Rs) Rs | 12.00 | 12.00 | 10.50 | 5.25 | 5.00 | 4.50 | 2.50 | 2.00 | 3.00 | 3.00 | 4.00 | 2.50 | 2.00 | 2.00 | 1.50 | 0.00 | 0.72 | 0.00 | 0.57 | 0.00 |
| Weighted average shares mn | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 890.2 |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | -32.0% | +15.2% | +55.0% | +81.8% | -3.6% | +5.9% | +69.2% | +24.6% | +4.0% | -10.0% | +14.4% | +31.0% | -15.5% | +2.6% | +18.8% | +9.7% | +22.4% | +48.3% | +63.9% | — |
| Interest expense | -43.4% | +24.0% | +45.6% | +111.6% | -7.3% | -13.2% | +108.1% | +32.4% | -6.8% | -4.7% | +6.6% | +35.4% | -20.8% | +0.6% | +19.1% | +12.1% | +23.8% | +43.2% | +87.0% | — |
| Net interest income | -5.7% | -0.9% | +75.9% | +38.5% | +2.4% | +63.9% | +7.8% | +14.1% | +23.4% | -18.2% | +29.2% | +23.5% | -4.5% | +7.1% | +18.3% | +5.0% | +19.8% | +59.4% | +28.9% | — |
| Fee & commission income (net) | +4.4% | +15.8% | +18.2% | +16.0% | +24.5% | +2.3% | +37.7% | +10.1% | +12.9% | +4.6% | +19.4% | +8.5% | +6.0% | +20.2% | +12.6% | +25.4% | +7.6% | +18.8% | +71.0% | — |
| Foreign exchange income | +16.2% | +36.3% | +2.2% | +37.4% | -9.3% | +31.1% | +108.0% | +27.9% | +13.1% | -4.4% | +4.2% | +20.2% | +10.4% | -52.4% | -7.2% | +15.8% | -9.8% | +47.2% | +71.4% | — |
| Gain / (loss) on securities | +29.6% | — | — | -162.4% | — | — | -1,476.3% | -79.9% | -90.2% | -9.5% | +154.9% | +40.1% | +24.7% | +204.2% | +43.8% | +18.9% | +20.8% | -79.2% | +315.2% | — |
| Total non-interest income | +11.6% | +40.3% | +12.4% | +21.8% | +11.6% | +30.5% | +33.5% | +6.7% | -39.7% | -4.2% | +63.5% | +20.1% | +11.9% | +5.8% | +5.0% | +20.1% | -1.3% | +2.7% | +104.4% | — |
| Total income | -1.9% | +5.9% | +61.0% | +34.2% | +4.6% | +54.3% | +14.1% | +12.2% | -2.8% | -12.9% | +40.3% | +22.4% | +0.4% | +6.7% | +14.0% | +9.4% | +12.7% | +34.4% | +54.1% | — |
| Operating expenses | +7.7% | +12.3% | +33.8% | +37.3% | +3.4% | +35.4% | +13.9% | +21.5% | -1.1% | -7.1% | +15.4% | +9.1% | +0.4% | +112.4% | +10.4% | — | -200.0% | +385.6% | — | — |
| Provisions & impairment (loans) | -61.5% | -13.8% | +43.1% | +58.8% | -30.6% | +780.3% | +7.4% | — | -137.8% | -61.7% | +19.8% | -16.3% | -20.7% | +0.0% | -9.5% | +17.4% | +148.6% | +131.6% | +301.2% | — |
| Profit before tax | -7.6% | +1.8% | +86.6% | +29.5% | +7.9% | +75.3% | +12.4% | +8.8% | -8.1% | -17.6% | +71.3% | +43.4% | +1.5% | +8.5% | +15.3% | -4.7% | -11.3% | +13.4% | +33.7% | — |
| Taxation | -5.3% | +1.6% | +105.9% | +66.7% | +0.9% | +72.5% | +18.9% | +7.6% | -13.6% | -13.7% | +104.3% | +50.5% | -3.3% | +21.3% | +11.3% | -17.7% | +0.6% | +4.6% | +34.4% | — |
| Profit after tax | -10.1% | +2.1% | +69.1% | +7.7% | +12.4% | +77.2% | +8.4% | +9.5% | -4.3% | -20.1% | +55.3% | +40.1% | +3.8% | +3.3% | +17.1% | +2.3% | -16.6% | +17.8% | +33.4% | — |
| Profit attributable to shareholders | -9.1% | +1.6% | +70.8% | +6.3% | +12.2% | +81.4% | +7.5% | +9.0% | -7.5% | -20.1% | +55.3% | +40.1% | +3.8% | +3.3% | +17.1% | +2.3% | -16.6% | +17.8% | +33.4% | — |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -9.1% | +1.6% | +70.8% | +6.3% | +12.2% | +81.4% | +7.5% | +9.0% | -7.5% | -20.1% | +55.3% | +40.1% | +3.8% | +3.3% | +17.1% | +2.3% | -16.6% | +17.8% | +13.3% | — |
| EPS – diluted (Rs) | -9.1% | +1.6% | +70.8% | +6.3% | +12.2% | +81.4% | +7.5% | +9.0% | -7.5% | -20.1% | +55.3% | +40.1% | +3.8% | +15.1% | +5.0% | +2.3% | -16.6% | +17.8% | +13.3% | — |
| Dividend per share (Rs) | 0.0% | +14.3% | +100.0% | +5.0% | +11.1% | +80.0% | +25.0% | -33.3% | 0.0% | -25.0% | +60.0% | +25.0% | 0.0% | +33.3% | — | -100.0% | — | -100.0% | — | — |
| 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 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 179.4% | 258.6% | 237.7% | 246.8% | 182.1% | 197.7% | 288.1% | 194.4% | 175.0% | 163.5% | 158.2% | 194.0% | 181.3% | 215.2% | 223.7% | 214.6% | 214.0% | 197.0% | 178.5% | 167.8% |
| Interest expense | (104.1%) | (180.4%) | (154.1%) | (170.3%) | (108.0%) | (122.0%) | (216.8%) | (118.9%) | (100.8%) | (105.1%) | (96.0%) | (126.5%) | (114.3%) | (144.9%) | (153.6%) | (147.1%) | (143.6%) | (130.7%) | (122.7%) | (101.1%) |
| Net interest income | 75.3% | 78.3% | 83.6% | 76.5% | 74.1% | 75.7% | 71.3% | 75.5% | 74.2% | 58.4% | 62.2% | 67.6% | 66.9% | 70.3% | 70.1% | 67.5% | 70.4% | 66.2% | 55.8% | 66.7% |
| Fee & commission income (net) | 12.2% | 11.5% | 10.5% | 14.3% | 16.6% | 13.9% | 21.0% | 17.4% | 17.7% | 15.3% | 12.7% | 14.9% | 16.9% | 16.0% | 14.2% | 14.3% | 12.5% | 13.1% | 14.8% | 13.4% |
| Foreign exchange income | 9.0% | 7.6% | 5.9% | 9.3% | 9.1% | 10.5% | 12.3% | 6.7% | 5.9% | 5.1% | 4.6% | 6.2% | 6.4% | 5.8% | 13.0% | 15.9% | 15.0% | 18.8% | 17.1% | 15.4% |
| Gain / (loss) on securities | 3.5% | 2.6% | (0.0%) | (0.1%) | 0.2% | (0.1%) | (4.6%) | 0.4% | 2.1% | 21.2% | 20.4% | 11.3% | 9.8% | 7.9% | 2.8% | 2.2% | 2.0% | 1.9% | 12.2% | 4.5% |
| Total non-interest income | 24.7% | 21.7% | 16.4% | 23.5% | 25.9% | 24.3% | 28.7% | 24.5% | 25.8% | 41.6% | 37.8% | 32.4% | 33.1% | 29.7% | 29.9% | 32.5% | 29.6% | 33.8% | 44.2% | 33.3% |
| 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 | (46.5%) | (42.3%) | (39.9%) | (48.0%) | (46.9%) | (47.4%) | (54.0%) | (54.1%) | (50.0%) | (49.1%) | (46.1%) | (56.0%) | (62.9%) | (62.8%) | (31.6%) | (32.6%) | 11.8% | (13.3%) | (3.7%) | 33.8% |
| Provisions & impairment (loans) | 1.8% | 4.6% | 5.7% | 6.4% | 5.4% | 8.2% | 1.4% | 1.5% | (1.6%) | 4.0% | 9.1% | 10.6% | 15.5% | 19.6% | 20.9% | 26.3% | 24.6% | 11.1% | 6.5% | 2.5% |
| Profit before tax | 54.5% | 57.8% | 60.1% | 51.9% | 53.7% | 52.1% | 45.9% | 46.6% | 48.1% | 50.8% | 53.7% | 44.0% | 37.6% | 37.2% | 36.5% | 36.1% | 41.5% | 52.7% | 62.5% | 72.0% |
| Taxation | (29.3%) | (30.3%) | (31.6%) | (24.7%) | (19.9%) | (20.6%) | (18.4%) | (17.7%) | (18.4%) | (20.7%) | (20.9%) | (14.4%) | (11.7%) | (12.1%) | (10.7%) | (10.9%) | (14.5%) | (16.3%) | (20.9%) | (24.0%) |
| Profit after tax | 25.2% | 27.5% | 28.6% | 27.2% | 33.9% | 31.5% | 27.5% | 28.9% | 29.6% | 30.1% | 32.8% | 29.7% | 25.9% | 25.0% | 25.9% | 25.2% | 26.9% | 36.4% | 41.6% | 48.0% |
| Profit attributable to shareholders | 24.7% | 26.7% | 27.8% | 26.2% | 33.0% | 30.8% | 26.2% | 27.8% | 28.7% | 30.1% | 32.8% | 29.7% | 25.9% | 25.0% | 25.9% | 25.2% | 26.9% | 36.4% | 41.6% | 48.0% |
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 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 69.1 | 73.2 | 73.9 | 42.0 | 30.3 | 29.6 | 18.1 | 16.8 | 14.7 | 11.9 |
| Interest & Dividend Income - Finance - Total | 164.6 | 242.0 | 210.0 | 135.5 | 74.5 | 77.3 | 73.0 | 43.2 | 34.6 | 33.3 |
| Interest Income - Loans/Deposits | 60.8 | 78.6 | 75.7 | 46.7 | 22.9 | 24.7 | 33.6 | 15.8 | 11.0 | 9.8 |
| Interest & Fees on Loans & Receivables | 57.1 | 74.5 | 69.8 | 43.9 | 21.7 | 22.9 | 28.2 | 13.8 | 10.1 | 8.8 |
| Interest Income - Deposits to Other Financial Institutions | 3.8 | 4.1 | 6.0 | 2.8 | 1.2 | 1.8 | 5.4 | 2.0 | 0.9 | 0.7 |
| Interest & Dividend Income - Other - Finance | 1.0 | 0.8 | 0.7 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.4 | 0.1 |
| Interest Income - Collateralized Financing | — | — | — | — | — | — | — | — | — | 0.3 |
| Interest & Dividend Income - Investment Securities - Finance | 102.8 | 162.6 | 133.6 | 88.5 | 51.4 | 52.4 | 39.3 | 27.2 | 23.2 | 23.4 |
| Net Commission & Fees Income/Expense - Business Revenue | 11.2 | 10.8 | 9.3 | 7.9 | 6.8 | 5.4 | 5.3 | 3.9 | 3.5 | 3.1 |
| Fees & Commissions Income | 11.4 | 10.9 | 9.5 | 8.1 | 7.0 | 5.4 | 5.3 | 3.9 | 3.5 | 3.1 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 102.8 | 162.6 | 133.6 | 88.5 | 51.4 | 52.4 | 39.3 | 27.2 | 23.2 | 23.4 |
| Fees & Commissions Expense | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | — | — | — | — | — |
| Investments & Loans - Business - Gain/(Loss) | 3.2 | 2.5 | (0.0) | (0.1) | 0.1 | (0.0) | (1.2) | 0.1 | 0.4 | 4.3 |
| Interest Expense - Finance - Total | 95.5 | 168.8 | 136.1 | 93.5 | 44.2 | 47.7 | 55.0 | 26.4 | 19.9 | 21.4 |
| Interest Expense - Operational Financing - Business | 59.0 | 119.0 | 99.0 | 65.0 | 31.2 | 35.7 | 46.5 | 22.0 | 17.4 | 19.1 |
| Interest Expense - Deposits | 54.5 | 111.6 | 93.2 | 60.9 | 27.8 | 31.7 | 40.1 | 20.7 | 16.1 | 17.6 |
| Investment Securities - Business - Gain/(Loss) | 3.2 | 2.5 | (0.0) | (0.1) | 0.1 | (0.0) | (1.2) | 0.1 | 0.4 | 4.3 |
| Interest Expense - Collateralized Financing | — | — | — | — | — | — | — | — | — | 1.4 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 3.1 | 2.5 | (0.8) | (0.2) | (0.0) | (0.0) | (1.2) | 0.1 | 0.4 | 4.3 |
| Interest Expenses - Other - Total | 4.5 | 7.4 | 5.8 | 4.1 | 3.5 | 4.1 | 6.4 | 1.3 | 1.2 | — |
| Interest Expense - External Financing Business | 36.5 | 49.7 | 37.1 | 28.5 | 13.0 | 12.0 | 8.5 | 4.4 | 2.6 | 2.4 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 22.7 | 20.3 | 14.5 | 12.9 | 10.6 | 9.5 | 7.3 | 5.4 | 5.1 | 8.5 |
| Derivatives - Hedging - Business - Gain/(Loss) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — | — | — |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 8.2 | 7.1 | 5.2 | 5.1 | 3.7 | 4.1 | 3.1 | 1.5 | 1.2 | 1.0 |
| Trading Investments/Trading Account Income - Gain/(Loss) | 0.1 | — | — | — | — | — | — | — | — | — |
| Trading Investments - Unrealized Gain/(Loss) | 0.1 | — | — | — | — | — | — | — | — | — |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | — | 0.8 | 0.1 | 0.1 | — | — | — | — | — |
| Revenue from Business Activities - Total | 91.8 | 93.6 | 88.4 | 54.9 | 40.9 | 39.1 | 25.3 | 22.2 | 19.8 | 20.4 |
| Selling, General & Administrative Expenses - Total | 39.7 | 34.1 | 29.2 | 22.0 | 16.4 | 14.5 | 12.8 | 12.0 | 10.7 | 9.4 |
| Selling, General & Administrative Expenses - Unclassified | 14.8 | 13.5 | 10.3 | 7.6 | 5.5 | 3.5 | 3.9 | 4.0 | 3.3 | 3.5 |
| Depreciation in Selling, General & Administrative Expenses | 4.5 | 3.1 | 3.5 | 2.7 | 1.8 | 2.7 | 1.8 | 1.0 | 0.9 | 0.7 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — | — | — |
| Other Operating Expense/(Income) - Net | 1.3 | 1.1 | 1.0 | 0.8 | 0.6 | 0.8 | 0.5 | (0.3) | (0.5) | (0.2) |
| Other Operating Income - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 | 0.4 | 0.3 |
| Operating Expenses - Total | 42.7 | 39.6 | 35.2 | 26.3 | 19.2 | 18.5 | 13.7 | 12.0 | 9.9 | 10.0 |
| Provision & Impairment for Loan Losses | 1.7 | 4.3 | 5.0 | 3.5 | 2.2 | 3.2 | 0.4 | 0.3 | (0.3) | 0.8 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 19.3 | 16.3 | 14.5 | 11.0 | 8.6 | 7.7 | 6.6 | 5.7 | 5.3 | 5.0 |
| Selling, General & Administrative Expenses - Other - Total | 0.7 | 0.9 | 0.8 | 0.7 | 0.4 | 0.5 | 0.5 | 1.3 | 1.2 | 0.2 |
| Advertising Expense | 0.5 | 0.8 | 0.6 | 0.5 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 |
| Rental Expense | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.4 | 0.4 | 1.1 | 1.1 | 0.0 |
| Operating Profit before Non-Recurring Income/(Expense) | 49.1 | 54.0 | 53.1 | 28.6 | 21.7 | 20.6 | 11.7 | 10.2 | 9.9 | 10.4 |
| Other Operating Expense | 1.0 | 1.1 | 1.0 | 0.8 | 0.8 | 0.6 | 0.6 | 0.0 | 0.0 | 0.2 |
| Operating Provisions - Increase/(Decrease) | 0.3 | — | 0.0 | 0.0 | (0.2) | 0.3 | 0.0 | (0.0) | (0.1) | (0.2) |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 | 0.0 | 0.0 | 0.2 | (0.0) | 0.0 |
| Sale of Leased Fixed Assets - Gain/(Loss) | 0.0 | — | — | — | — | — | — | — | — | — |
| Normalized Pre-tax Profit | 49.2 | 54.1 | 53.2 | 28.7 | 22.0 | 20.6 | 11.7 | 10.4 | 9.9 | 10.4 |
| Non-Recurring Income/Expense - Total | 0.8 | — | (0.1) | (0.2) | (0.0) | (0.2) | (0.1) | (0.1) | (0.3) | (0.0) |
| Impairment - Financial Investments | (0.0) | — | 0.1 | 0.2 | (0.0) | 0.2 | 0.1 | 0.1 | 0.3 | 0.0 |
| Fair Value Adjustments - Financial Investments | 0.8 | — | — | — | — | — | — | — | — | — |
| COVID-19 Non-Recurring Income/(Expense) - Total | — | — | — | — | (0.0) | (0.0) | — | — | — | — |
| COVID-19 Non-Recurring Income/(Expense) – Other | — | — | — | — | (0.0) | (0.0) | — | — | — | — |
| Non-Recurring Income/(Expense) - Other - Total | — | — | 0.0 | 0.0 | 0.0 | — | — | — | — | — |
| Income before Taxes | 50.0 | 54.1 | 53.1 | 28.5 | 22.0 | 20.4 | 11.6 | 10.3 | 9.5 | 10.3 |
| Income Taxes | 26.8 | 28.3 | 27.9 | 13.5 | 8.1 | 8.1 | 4.7 | 3.9 | 3.6 | 4.2 |
| Income Taxes for the Year - Current | 26.4 | 30.5 | 28.6 | 14.2 | 8.3 | 8.8 | 3.7 | 3.4 | 2.8 | 3.5 |
| Income Taxes - Domestic - Current | 26.6 | — | — | — | — | — | — | — | — | — |
| Income Taxes - Other (KFAS/NLST) - Current | (0.1) | — | — | — | — | — | — | — | — | — |
| Income Taxes - Deferred | 0.4 | (1.7) | (2.6) | (0.7) | (0.2) | (0.7) | 0.6 | 0.5 | 0.5 | 0.1 |
| Income Taxes - Domestic - Deferred | 0.1 | — | — | — | — | — | — | — | — | — |
| Income Taxes - Other - Deferred | 0.3 | — | — | — | — | — | — | — | — | — |
| Income Taxes - Other (by Type) | — | (0.5) | 1.9 | 0.0 | (0.0) | 0.0 | 0.3 | 0.0 | 0.4 | 0.6 |
| Net Income after Tax | 23.2 | 25.8 | 25.2 | 14.9 | 13.9 | 12.3 | 7.0 | 6.4 | 5.9 | 6.1 |
| Income before Discontinued Operations & Extraordinary Items | 23.2 | 25.8 | 25.2 | 14.9 | 13.9 | 12.3 | 7.0 | 6.4 | 5.9 | 6.1 |
| Net Income before Minority Interest | 23.2 | 25.8 | 25.2 | 14.9 | 13.9 | 12.3 | 7.0 | 6.4 | 5.9 | 6.1 |
| Minority Interest | 0.5 | 0.8 | 0.7 | 0.6 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | — |
| Net Income after Minority Interest | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| Income Available to Common Shares | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| Other Comprehensive Income - Starting Line | 23.2 | 25.8 | 25.2 | 14.9 | 13.9 | 12.3 | 7.0 | 6.4 | 5.9 | — |
| Other Comprehensive Income - Foreign Currency | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — | — | — |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | 2.3 | 1.9 | — | — | — | — | 2.7 | (6.5) | (1.6) | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | 0.5 | 8.4 | 3.0 | 2.3 | (3.3) | 6.1 | 0.0 | (0.0) | 0.0 | — |
| Other Comprehensive Income - Pension Related | (0.0) | 0.1 | 0.1 | 0.0 | (0.0) | 0.1 | 0.1 | (0.0) | (0.0) | — |
| Other Comprehensive Income - Income Tax | — | — | — | — | (0.0) | — | — | — | — | — |
| Other Comprehensive Income - Net of Tax - Total | 2.8 | 10.5 | 3.1 | 2.3 | (3.3) | 6.1 | 2.8 | (6.5) | (1.6) | — |
| Comprehensive Income before Minority Interest - Total | 25.9 | 36.2 | 28.3 | 17.3 | 10.5 | 18.5 | 9.7 | (0.0) | 4.3 | — |
| Comprehensive Income - Attributable to Minority Interest - Total | 0.5 | 0.8 | 0.7 | 16.9 | 10.1 | 18.2 | 9.4 | 0.3 | 0.2 | — |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 25.4 | 35.4 | 27.6 | 0.4 | 0.4 | 0.3 | 0.3 | (0.3) | 4.1 | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 12.00 | 12.00 | 10.50 | 5.25 | 5.00 | 4.50 | 2.50 | 2.00 | 3.00 | 3.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| Income available to Common excluding Extraordinary Items | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| Shares used to calculate Basic EPS - Total mn | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 20.87 | 23.80 | 23.49 | 13.94 | 12.93 | 11.71 | 6.40 | 5.98 | 5.74 | 5.88 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| 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× |
| Shares used to calculate Basic EPS - Issue Specific mn | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 20.87 | 23.80 | 23.49 | 13.94 | 12.93 | 11.71 | 6.40 | 5.98 | 5.74 | 5.88 |
| 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 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | 24.27 | 33.78 | 26.34 | 0.38 | 0.40 | 0.29 | 0.32 | (0.33) | 3.91 | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| Diluted Income available to Common excluding Extraordinary Items | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| Shares used to calculate Diluted EPS - Total mn | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 20.87 | 23.80 | 23.49 | 13.94 | 12.93 | 11.71 | 6.40 | 5.98 | 5.74 | 5.88 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| 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× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 | 1,047.8 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 20.87 | 23.80 | 23.49 | 13.94 | 12.93 | 11.71 | 6.40 | 5.98 | 5.74 | 5.88 |
| 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 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | 24.27 | 33.78 | 26.34 | 0.38 | 0.40 | 0.29 | 0.32 | (0.33) | 3.91 | — |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 12.00 | 13.00 | 8.25 | 5.00 | 4.50 | 4.50 | 2.00 | 3.00 | 3.00 | 2.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 10.80 | 11.70 | 7.43 | 4.50 | 4.05 | 4.05 | 1.80 | 2.70 | 2.70 | 1.80 |
| Earnings before Interest & Taxes (EBIT) | 49.1 | 54.0 | 53.1 | 28.6 | 21.7 | 20.6 | 11.7 | 10.2 | 9.9 | 10.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 53.9 | 58.3 | 56.7 | 31.5 | 24.1 | 23.4 | 13.5 | 11.1 | 10.8 | 11.1 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 54.2 | 58.4 | 56.9 | 31.7 | 24.3 | 23.7 | 13.9 | 12.3 | 11.8 | 11.1 |
| Depreciation & Amortization - Supplemental | 4.8 | 3.4 | 3.6 | 2.7 | 1.8 | 2.8 | 1.9 | 1.0 | 0.9 | 0.7 |
| Depreciation Expense - Total - Supplemental | 4.5 | 3.1 | 3.5 | 2.7 | 1.8 | 2.7 | 1.8 | — | — | — |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 1.6 | 1.5 | 1.5 | 1.3 | 1.0 | 0.8 | 0.8 | — | — | — |
| Amortization - Total - Supplemental | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — | — | — |
| Intangible Amortization - Other - Supplemental | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — | — | — |
| Amortization of Computer Software - Supplemental | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — | — | — |
| Depreciation, Depletion & Amortization - Total | 4.8 | 4.3 | 3.6 | 2.9 | 2.3 | 2.8 | 1.9 | 1.0 | 0.9 | 0.7 |
| Depreciation - Total | 4.5 | 4.0 | 3.5 | 2.9 | 2.3 | 2.7 | 1.8 | 0.8 | 0.8 | — |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | — |
| Labor & Related Expenses - Total | 19.3 | 16.3 | 14.5 | 11.0 | 8.6 | 7.7 | 6.6 | 5.7 | 5.3 | 5.0 |
| Labor & Related Expenses - Supplemental | 19.3 | 16.3 | 14.5 | 11.0 | 8.6 | 7.7 | 6.6 | 5.7 | 5.3 | 5.0 |
| Auditor Fees | 0.1 | 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 |
| Fees - Other | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Normalized after Tax Profit | 22.4 | 25.8 | 25.3 | 15.2 | 13.9 | 12.5 | 7.0 | 6.5 | 6.2 | 6.2 |
| Normalized Net Income from Continuing Operations | 22.4 | 25.8 | 25.3 | 15.2 | 13.9 | 12.5 | 7.0 | 6.5 | 6.2 | 6.2 |
| Normalized Net Income - Bottom Line | 21.9 | 24.9 | 24.6 | 14.6 | 13.5 | 12.3 | 6.7 | 6.3 | 6.0 | 6.2 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 49.2 | 54.1 | 53.2 | 28.7 | 22.0 | 20.6 | 11.7 | 10.4 | 9.9 | 10.4 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 54.0 | 58.4 | 56.8 | 31.6 | 24.4 | 23.4 | 13.5 | 11.4 | 10.7 | 11.1 |
| Loan Losses - Net | (0.3) | — | (0.0) | 2.4 | 0.5 | 0.7 | (0.0) | 0.2 | 0.2 | 0.8 |
| Loan Recoveries - Actual | 0.3 | — | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 1.9 |
| Loan Losses - Actual | 0.0 | 0.0 | 0.0 | 2.5 | 0.5 | 0.7 | 0.0 | 0.3 | 0.2 | 2.7 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 1.3 | 1.2 | 1.0 | 0.8 | 0.6 | 0.6 | 0.4 | — | — | — |
| Rental/Operating Lease Expense | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.4 | 0.4 | 1.1 | 1.1 | 0.0 |
| Advertising Expenses - Supplemental | 0.5 | 0.8 | 0.6 | 0.5 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 |
| Interest Expense | 95.5 | 168.8 | 136.1 | 93.5 | 44.2 | 47.7 | 55.0 | 26.4 | 19.9 | 21.4 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 67.4 | 68.9 | 68.8 | 38.5 | 28.1 | 26.4 | 17.7 | 16.4 | 15.0 | 11.1 |
| Revenue after Loan Provisions - Net - Finance | 162.9 | 237.6 | 205.0 | 132.0 | 72.3 | 74.1 | 72.7 | 42.8 | 34.9 | 32.5 |
| Operating Expenses | 42.7 | 39.6 | 35.2 | 26.3 | 19.2 | 18.5 | 13.7 | 12.0 | 9.9 | 10.0 |
| Foreign Exchange Gain/(Loss) | 8.2 | 7.1 | 5.2 | 5.1 | 3.7 | 4.1 | 3.1 | 1.5 | 1.2 | 1.0 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 39.7 | 34.1 | 29.2 | 22.0 | 16.4 | 14.5 | 12.8 | 12.0 | 10.7 | 9.4 |
| Investment Gain/(Loss) | 4.2 | 3.3 | 0.7 | 0.3 | 0.3 | 0.1 | (1.1) | 0.2 | 0.9 | 4.4 |
| Non-Interest Expense - Bank | 40.1 | 35.1 | 30.2 | 22.9 | 16.7 | 15.5 | 13.4 | 11.5 | 10.6 | 9.2 |
| Income before Taxes & Provision for Loan Losses | 51.7 | 58.4 | 58.2 | 32.0 | 24.2 | 23.6 | 12.0 | 10.7 | 9.2 | 11.2 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 12.00 | 13.00 | 8.25 | 5.00 | 4.50 | 4.50 | 2.00 | 3.00 | 3.00 | 2.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 12.00 | 13.00 | 8.25 | 5.00 | 4.50 | 4.50 | 2.00 | 3.00 | 3.00 | 2.00 |
| Tax Adjusted Operating Income | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| Operating Expenses excluding Non-Cash Charges - Total | 37.8 | 35.3 | 31.6 | 23.4 | 16.8 | 15.8 | 11.8 | 11.1 | 9.0 | 9.3 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 91.8 | 93.6 | 88.4 | 54.9 | 40.9 | 39.1 | 25.3 | 22.2 | 19.8 | 20.4 |
| Income from Earning Assets | 176.2 | 251.6 | 215.2 | 140.5 | 78.3 | 81.4 | 75.0 | 44.7 | 36.2 | 38.7 |
| Income Available to Common Shares before Depreciation & Amortization | 27.5 | 29.2 | 28.2 | 17.3 | 15.9 | 14.8 | 8.5 | 7.1 | 6.5 | 6.9 |
| Commissions and Fees | 11.2 | 10.8 | 9.3 | 7.9 | 6.8 | 5.4 | 5.3 | 3.9 | 3.5 | 3.1 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.35× | 0.30× | 0.30× | 0.31× | 0.32× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 12.00 | 13.00 | 8.25 | 5.00 | 4.50 | 4.50 | 2.00 | 3.00 | 3.00 | 2.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.