Invest Capital Investment Bank Limited (ICIBL) quarterly income statement

Invest Capital Investment Bank Limited reported revenue of Rs 41.1 mn for Q4 FY2026 (Apr – Jun 2026), down 9.5% on Q4 FY2025. Finance cost was -Rs 1.2 mn. Tax of Rs 4.3 mn took 29.0% of pre-tax profit. Profit attributable to shareholders was Rs 10.5 mn, down 73.1% on Q4 FY2025, or Rs 1.62 per share.

ICIBL income statement (quarterly) (Rs mn)
Rs mn	TTM to Jun 2026	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q2 FY2023 Oct – Dec 2022	Q1 FY2023 Jul – Sep 2022	Q4 FY2022 Apr – Jun 2022	Q3 FY2022 Jan – Mar 2022	Q2 FY2022 Oct – Dec 2021	Q1 FY2022 Jul – Sep 2021
Revenue	111.1	41.1	9.2	35.2	25.6	45.4	39.5	42.3	35.8	23.7	40.7	38.9	30.6	33.4	33.3	21.5	23.7	20.7	14.2	18.5	52.4
Operating expenses	(53.5)	(33.0)	(9.7)	(4.2)	(6.6)	(3.6)	(7.6)	(10.1)	(5.0)	18.0	(7.4)	(9.5)	(8.1)	(19.9)	8.9	(0.9)	(7.7)	(5.4)	1.5	3.6	5.7
Finance cost	4.2	1.2	1.7	0.7	0.5	2.3	0.6	4.0	2.4	1.2	1.7	1.0	0.6	0.4	(2.4)	(3.3)	(3.6)	(2.0)	0.1	0.2	(0.7)
Profit before tax	100.9	14.8	30.6	33.6	21.9	55.2	36.2	20.1	36.3	39.0	37.0	43.3	26.6	17.5	44.8	21.5	15.4	13.0	26.0	24.0	58.5
Taxation	—	(4.3)	—	(7.6)	(1.5)	(16.1)	0.0	(2.5)	(2.5)	(8.6)	(2.5)	(8.7)	(1.5)	(7.9)	(2.5)	1.9	(1.0)	(12.3)	0.0	(11.5)	(2.5)
Profit after tax	87.5	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Profit attributable to shareholders	87.5	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Per share
EPS – basic (Rs) Rs	3.41	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
Dividend per share (Rs) 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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

ICIBL income statement — year-on-year change (Rs mn)
Rs mn	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q2 FY2023 Oct – Dec 2022	Q1 FY2023 Jul – Sep 2022	Q4 FY2022 Apr – Jun 2022	Q3 FY2022 Jan – Mar 2022	Q2 FY2022 Oct – Dec 2021	Q1 FY2022 Jul – Sep 2021
Revenue	-9.5%	-76.6%	-16.8%	-28.5%	+91.5%	-3.1%	+8.8%	+17.0%	-29.1%	+22.2%	+80.9%	+28.9%	+61.3%	+134.3%	+16.0%	-54.6%	+29.7%	+52.3%	+19.0%	+118.3%
Operating expenses	+813.8%	+27.0%	-58.0%	+31.2%	—	+2.3%	+6.1%	-38.2%	-190.3%	—	+982.5%	+6.0%	+269.7%	—	—	—	—	—	—	-351.3%
Finance cost	—	—	—	—	—	—	—	—	—	-171.7%	-130.1%	-118.1%	-120.8%	—	—	+433.3%	+50.2%	-109.7%	-120.6%	-83.1%
Profit before tax	-73.1%	-15.4%	+67.0%	-39.7%	+41.4%	-2.3%	-53.6%	+36.6%	+122.7%	-17.5%	+101.7%	+73.0%	+35.0%	+72.1%	-10.6%	-73.7%	-59.9%	+44.8%	+33.9%	+157.0%
Taxation	-73.3%	—	+205.8%	-40.0%	+86.0%	-100.0%	-71.4%	+66.7%	+9.5%	+0.0%	—	+50.0%	-35.8%	—	-116.8%	-60.0%	-18.9%	—	—	+150.0%
Profit after tax	-73.1%	-15.4%	+47.4%	-39.7%	+28.8%	+4.8%	-49.1%	+34.8%	+215.5%	-18.5%	+47.9%	+74.6%	+1,303.2%	+62.5%	+86.1%	-74.3%	-96.0%	+44.8%	-53.3%	+157.3%
Profit attributable to shareholders	-73.1%	-15.4%	+47.4%	-39.7%	+28.8%	+4.8%	-49.1%	+34.8%	+215.5%	-18.5%	+47.9%	+74.6%	+1,303.2%	+62.5%	+86.1%	-74.3%	-96.0%	+44.8%	-53.3%	+157.3%
Per share
EPS – basic (Rs)	+78.9%	-15.7%	+46.8%	-39.5%	+28.5%	+5.0%	-49.0%	+35.0%	+214.0%	-18.8%	+47.9%	+74.6%	+1,306.7%	+63.0%	+86.8%	-74.2%	-96.0%	+44.8%	-53.4%	+156.7%
Dividend per share (Rs)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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

ICIBL income statement — common size (Rs mn)
Rs mn	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q2 FY2023 Oct – Dec 2022	Q1 FY2023 Jul – Sep 2022	Q4 FY2022 Apr – Jun 2022	Q3 FY2022 Jan – Mar 2022	Q2 FY2022 Oct – Dec 2021	Q1 FY2022 Jul – Sep 2021
Revenue	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	(80.3%)	(104.4%)	(12.1%)	(25.7%)	(8.0%)	(19.3%)	(24.0%)	(14.0%)	75.8%	(18.2%)	(24.5%)	(26.5%)	(59.6%)	26.8%	(4.1%)	(32.2%)	(26.0%)	10.5%	19.3%	10.9%
Finance cost	3.0%	18.8%	1.9%	2.1%	5.0%	1.4%	9.5%	6.6%	5.2%	4.2%	2.5%	2.1%	1.2%	(7.2%)	(15.2%)	(15.0%)	(9.6%)	0.8%	1.2%	(1.3%)
Profit before tax	36.1%	330.8%	95.6%	85.6%	121.6%	91.6%	47.6%	101.5%	164.6%	90.9%	111.5%	86.9%	52.4%	134.6%	100.0%	64.8%	62.6%	183.2%	129.8%	111.7%
Taxation	(10.5%)	—	(21.6%)	(5.9%)	(35.4%)	0.0%	(5.9%)	(7.0%)	(36.5%)	(6.1%)	(22.4%)	(4.9%)	(23.6%)	(7.5%)	8.9%	(4.2%)	(59.3%)	0.0%	(61.9%)	(4.8%)
Profit after tax	25.6%	330.8%	73.9%	79.7%	86.1%	91.6%	41.7%	94.5%	128.1%	84.7%	89.1%	82.0%	28.8%	127.1%	109.0%	60.6%	3.3%	183.2%	67.9%	106.9%
Profit attributable to shareholders	25.6%	330.8%	73.9%	79.7%	86.1%	91.6%	41.7%	94.5%	128.1%	84.7%	89.1%	82.0%	28.8%	127.1%	109.0%	60.6%	3.3%	183.2%	67.9%	106.9%

Each line as a percentage of revenue.

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 92

ICIBL income statement — all reported line items (Rs mn)
Rs mn	Q4 FY2026 Apr – Jun 2026	Q3 FY2026 Jan – Mar 2026	Q2 FY2026 Oct – Dec 2025	Q1 FY2026 Jul – Sep 2025	Q4 FY2025 Apr – Jun 2025	Q3 FY2025 Jan – Mar 2025	Q2 FY2025 Oct – Dec 2024	Q1 FY2025 Jul – Sep 2024	Q4 FY2024 Apr – Jun 2024	Q3 FY2024 Jan – Mar 2024	Q2 FY2024 Oct – Dec 2023	Q1 FY2024 Jul – Sep 2023	Q4 FY2023 Apr – Jun 2023	Q3 FY2023 Jan – Mar 2023	Q2 FY2023 Oct – Dec 2022	Q1 FY2023 Jul – Sep 2022	Q4 FY2022 Apr – Jun 2022	Q3 FY2022 Jan – Mar 2022	Q2 FY2022 Oct – Dec 2021	Q1 FY2022 Jul – Sep 2021
Interest & Dividend Income - Finance - Total	25.7	27.2	33.3	29.2	29.5	34.5	30.5	25.0	25.2	25.8	22.6	23.4	27.4	40.4	23.0	22.6	21.7	15.9	18.5	12.6
Interest Income - Loans/Deposits	25.7	27.2	33.3	29.2	29.5	34.5	30.5	25.0	25.2	25.8	22.6	23.4	27.4	40.4	23.0	22.6	21.7	15.9	18.5	12.6
Investments & Loans - Business - Gain/(Loss)	15.4	(17.9)	1.8	(3.6)	15.9	4.9	11.8	10.8	(1.5)	14.9	16.2	7.3	6.0	(7.1)	(1.5)	1.1	(1.0)	(1.7)	(0.0)	39.8
Investment Securities - Business - Gain/(Loss)	15.4	(17.9)	1.8	(3.6)	15.9	4.9	11.8	10.8	(1.5)	14.9	16.2	7.3	6.0	(7.1)	(1.5)	1.1	(1.0)	(1.7)	(0.0)	39.8
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss)	15.4	(20.3)	(0.0)	(4.5)	9.3	(0.2)	4.3	(1.0)	(11.3)	7.3	10.1	3.2	5.7	(7.1)	(1.5)	1.1	(1.0)	(1.7)	(0.0)	39.8
Investment Securities - Business Unclassified - Gain/(Loss)	0.0	2.4	1.8	0.9	6.6	5.1	7.4	11.8	9.8	7.5	6.1	4.1	0.3	—	—	—	—	—	—	—
Revenue from Business Activities - Total	41.1	9.2	35.2	25.6	45.4	39.5	42.3	35.8	23.7	40.7	38.9	30.6	33.4	33.3	21.5	23.7	20.7	14.2	18.5	52.4
Selling, General & Administrative Expenses - Total	8.8	9.7	7.0	7.8	9.3	7.6	11.5	8.1	10.3	8.2	9.8	9.0	9.6	9.0	8.3	8.0	7.9	6.1	8.1	5.1
Other Operating Expense/(Income) - Net	24.2	—	(2.8)	(1.2)	(5.7)	—	(1.4)	(3.1)	(28.3)	(0.8)	(0.3)	(0.9)	10.3	(18.0)	(7.4)	(0.3)	(2.5)	(7.6)	(11.7)	(10.9)
Operating Expenses - Total	32.8	9.9	4.2	6.6	3.6	7.6	10.1	5.0	(18.0)	7.4	9.5	8.1	19.9	(8.9)	0.9	7.7	5.4	(1.5)	(3.6)	(5.7)
Provision & Impairment for Loan Losses	(0.2)	0.2	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Operating Expenses - before Interest Expenses & Provision for Loan Losses - Total	33.0	9.7	4.2	6.6	3.6	7.6	10.1	5.0	(18.0)	7.4	9.5	8.1	19.9	(8.9)	0.9	7.7	5.4	(1.5)	(3.6)	(5.7)
Operating Profit before Non-Recurring Income/(Expense)	8.3	(0.6)	30.9	19.0	41.8	31.9	32.1	30.8	41.7	33.3	29.3	22.5	13.5	42.2	20.6	16.1	15.3	15.7	22.1	58.1
Financing Income/(Expense) - Net - Total	2.3	2.4	1.3	1.4	2.3	0.6	4.0	2.4	1.5	2.5	3.4	2.9	0.7	1.3	(2.6)	(3.3)	(1.7)	3.5	0.8	(0.7)
Interest Expense - Net of (Interest Income)	(1.2)	(1.7)	(0.7)	(0.5)	(2.3)	(0.6)	(4.0)	(2.4)	(1.2)	(1.7)	(1.0)	(0.6)	(0.4)	2.4	3.3	3.6	2.0	(0.1)	(0.2)	0.7
Interest Expense - Net of Capitalized Interest	0.8	—	0.0	0.0	—	1.3	0.0	0.0	0.0	0.0	0.0	0.0	0.4	2.8	4.3	4.5	2.4	0.3	0.9	1.3
Operating Provisions - Increase/(Decrease)	24.2	—	(2.8)	(1.2)	(5.7)	—	(1.4)	(3.1)	(28.3)	(0.8)	(0.3)	(0.9)	10.3	(18.0)	(7.4)	(0.3)	(2.5)	(7.6)	(11.7)	(10.9)
Non-Interest Financial Income/(Expense) - Total	1.1	0.6	0.7	0.8	0.1	(0.0)	0.0	0.0	0.3	0.8	2.4	2.3	0.3	3.7	0.7	0.3	0.3	3.4	0.5	—
Non-Interest Financial Income/(Expense) - Other - Net	—	0.0	—	—	(0.0)	(0.0)	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity Earnings/(Loss) - before Taxes including Non-Recurring	(3.5)	—	(3.0)	0.0	13.4	0.0	(13.3)	1.5	(3.2)	0.0	9.3	—	0.6	0.2	2.0	—	(1.7)	0.0	(3.2)	0.0
Other Non-Operating Income/(Expense) - Total	7.7	28.9	4.3	1.5	(2.4)	3.7	(2.7)	2.1	(1.0)	1.2	1.3	1.2	2.7	1.2	1.5	2.6	1.1	6.8	4.4	1.0
Non-Operating Rental Income	7.8	2.9	0.0	—	0.0	0.0	0.0	—	0.0	0.0	—	—	0.0	0.0	0.2	—	0.0	0.0	2.4	0.0
Normalized Pre-tax Profit	14.8	30.6	33.6	21.9	55.2	36.2	20.1	36.8	39.0	37.0	43.3	26.6	17.5	44.8	21.5	15.4	13.0	26.0	24.0	58.5
Interest Income - Non-Bank	2.0	1.7	0.7	0.5	2.3	1.9	4.0	2.4	1.2	1.7	1.0	0.6	0.8	0.4	1.0	1.0	0.4	0.4	1.1	0.7
Dividend & Investment Income	1.1	0.6	0.7	0.8	0.1	—	0.0	0.0	0.3	0.8	2.4	2.3	0.3	3.7	0.7	0.3	0.3	3.4	0.5	—
Provision for Income Tax Expense- Unclassified	—	—	—	1.5	—	—	—	2.5	—	—	—	1.5	—	—	—	1.0	—	—	—	—
Income before Taxes	14.8	30.6	33.6	21.9	55.2	36.2	20.1	36.3	39.0	37.0	43.3	26.6	17.5	44.8	21.5	15.4	13.0	26.0	24.0	58.5
Income Taxes	4.3	—	7.6	1.5	16.1	0.0	2.5	2.5	8.6	2.5	8.7	1.5	7.9	2.5	(1.9)	1.0	12.3	0.0	11.5	2.5
Income Taxes for the Year - Current	4.3	—	7.6	—	16.1	0.0	2.3	—	11.2	2.5	8.7	—	7.9	2.5	4.9	—	12.3	0.0	12.0	2.5
Income Taxes - Other (by Type)	0.0	—	0.0	—	0.0	0.0	0.2	—	(2.5)	0.0	0.0	—	0.0	0.0	(6.8)	—	0.0	0.0	(0.5)	—
Net Income after Tax	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Income before Discontinued Operations & Extraordinary Items	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Net Income before Minority Interest	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Net Income after Minority Interest	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Income Available to Common Shares	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
DPS - Common - Gross - Issue - By Period End Date 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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Income available to Common excluding Extraordinary Items	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Shares used to calculate Basic EPS - Total mn	6.5	43.2	43.2	42.8	43.2	43.0	43.0	43.0	43.1	43.1	43.1	43.1	42.9	42.9	43.1	43.1	43.1	43.1	43.2	43.2
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
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×	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	6.5	43.2	43.2	42.8	43.2	43.0	43.0	43.0	43.1	43.1	43.1	43.1	42.9	42.9	43.1	43.1	43.1	43.1	43.2	43.2
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dilution Adjustment	(0.0)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Diluted Income available to Common excluding Extraordinary Items	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Shares used to calculate Diluted EPS - Total mn	6.5	43.2	43.2	42.8	43.2	43.0	43.0	43.0	43.1	43.1	43.1	43.1	42.9	42.9	43.1	43.1	43.1	43.1	43.2	43.2
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
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×	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	6.5	43.2	43.2	42.8	43.2	43.0	43.0	43.0	43.1	43.1	43.1	43.1	42.9	42.9	43.1	43.1	43.1	43.1	43.2	43.2
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs	1.62	0.71	0.60	0.48	0.91	0.84	0.41	0.79	0.70	0.80	0.80	0.58	0.22	0.99	0.54	0.33	0.02	0.60	0.29	1.30
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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DPS - Common - Gross - Issue - By Announcement Date 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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DPS - Common - Net - Issue - By Announcement Date 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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Earnings before Interest & Taxes (EBIT)	8.3	(0.6)	30.9	19.0	41.8	31.9	32.1	30.8	41.7	33.3	29.3	22.5	13.5	42.2	20.6	16.1	15.3	15.7	22.1	58.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA)	10.0	0.5	31.9	20.0	43.0	33.0	33.3	31.9	43.0	34.6	30.6	23.9	15.1	43.8	22.2	17.3	16.0	16.4	22.8	58.7
Depreciation & Amortization - Supplemental	—	1.1	0.9	1.0	1.1	1.1	1.1	1.1	1.3	1.3	1.3	1.3	1.5	1.5	1.5	1.2	0.6	0.6	0.6	0.6
Depreciation Expense - Total - Supplemental	—	1.1	0.9	1.0	1.1	1.1	1.1	1.1	1.3	1.3	1.3	1.3	1.5	1.5	1.5	1.2	0.6	0.6	0.6	0.6
Depreciation, Depletion & Amortization - Total	1.7	1.1	1.0	1.0	1.1	1.1	1.1	1.1	1.3	1.3	1.3	1.4	1.6	1.6	1.6	1.2	0.7	0.7	0.7	0.7
Depreciation - Total	1.6	1.1	0.9	1.0	1.1	1.1	1.1	1.1	1.3	1.3	1.3	1.3	1.5	1.5	1.5	1.2	0.6	0.6	0.6	0.6
Amortization of Intangible Assets excluding Goodwill - Total	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.1	0.1	0.0	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0
Normalized after Tax Profit	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Normalized Net Income from Continuing Operations	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Normalized Net Income - Bottom Line	10.5	30.6	26.0	20.4	39.1	36.2	17.6	33.8	30.4	34.5	34.6	25.1	9.6	42.3	23.4	14.4	0.7	26.0	12.6	56.0
Earnings before Interest & Taxes (EBIT) - Normalized	13.6	28.9	32.9	21.4	53.0	35.6	16.1	34.4	37.8	35.3	42.3	26.0	17.1	47.2	24.8	19.0	15.0	25.9	23.8	59.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized	15.3	30.0	33.9	22.4	54.1	36.7	17.2	35.5	39.1	36.6	43.7	27.3	18.7	48.8	26.3	20.2	15.6	26.6	24.5	59.8
Interest Expense	0.8	—	0.0	0.0	—	1.3	0.0	0.0	0.0	0.0	0.0	0.0	0.4	2.8	4.3	4.5	2.4	0.3	0.9	1.3
Revenue after Loan Provisions - Net - Finance	25.9	26.9	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Operating Expenses	32.8	9.9	4.2	6.6	3.6	7.6	10.1	5.0	(18.0)	7.4	9.5	8.1	19.9	(8.9)	0.9	7.7	5.4	(1.5)	(3.6)	(5.7)
Selling, General & Administrative Expenses excluding Research & Development Expenses	8.8	9.7	7.0	7.8	9.3	7.6	11.5	8.1	10.3	8.2	9.8	9.0	9.6	9.0	8.3	8.0	7.9	6.1	8.1	5.1
Income before Taxes & Provision for Loan Losses	14.6	30.8	33.6	21.9	55.2	36.2	20.1	36.3	39.0	37.0	43.3	26.6	17.5	44.8	21.5	15.4	13.0	26.0	24.0	58.5
DPS - Common - Gross - Issue - By Payable Date 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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DPS - Common - Gross - Issue - By Ex Date 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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Tax Adjusted Operating Income	11.1	—	26.0	20.4	39.1	37.5	17.6	33.8	30.4	34.5	34.6	25.1	9.9	45.0	28.1	18.6	0.8	26.4	13.1	57.2
Operating Expenses excluding Non-Cash Charges - Total	31.1	8.7	3.3	5.6	2.5	6.5	9.0	3.9	(19.3)	6.1	8.2	6.8	18.4	(10.5)	(0.7)	6.5	4.7	(2.2)	(4.2)	(6.4)
Revenue Net of Interest Expense Before Loan Loss Provision	41.1	9.2	35.2	25.6	45.4	39.5	42.3	35.8	23.7	40.7	38.9	30.6	33.4	33.3	21.5	23.7	20.7	14.2	18.5	52.4
Income from Earning Assets	41.1	9.2	35.2	25.6	45.4	39.5	42.3	35.8	23.7	40.7	38.9	30.6	33.4	33.3	21.5	23.7	20.7	14.2	18.5	52.4
Income Available to Common Shares before Depreciation & Amortization	12.2	31.7	27.0	21.4	40.3	37.3	18.8	35.0	31.7	35.8	36.0	26.5	11.2	43.9	25.0	15.6	1.4	26.7	13.2	56.6
Fixed Charges	0.8	—	0.0	0.0	—	1.3	0.0	0.0	0.0	0.0	0.0	0.0	0.4	2.8	4.3	4.5	2.4	0.3	0.9	1.3
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×	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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

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