Intermarket Securities Limited (IMS) quarterly income statement

Intermarket Securities Limited reported revenue of Rs 567.6 mn for Q4 FY2026 (Apr – Jun 2026), up 98.1% on Q2 FY2025. Finance cost was Rs 32.9 mn, up 106.4% on Q2 FY2025. Tax of Rs 92.2 mn took 49.1% of pre-tax profit. Profit attributable to shareholders was Rs 95.5 mn, up 29.0% on Q2 FY2025, or Rs 0.07 per share.

IMS 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	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
Revenue	2,004.0	567.6	492.8	490.8	452.8	286.5	347.0	558.2	263.0	77.0	64.9	97.6	156.2	69.8	40.7	61.0	52.0	56.4	45.5	70.7	60.1
Operating expenses	(1,056.8)	(337.4)	(314.1)	(188.8)	(216.5)	(191.7)	(225.8)	(245.4)	(153.1)	(58.9)	(53.4)	(66.2)	(87.8)	(60.0)	(56.1)	(62.2)	(53.5)	(46.4)	(43.7)	(57.8)	(43.2)
Finance cost	(98.5)	(32.9)	(20.3)	(27.9)	(17.4)	(15.9)	(19.2)	(121.4)	17.8	(11.2)	(16.4)	(28.0)	4.4	(35.6)	(27.5)	(27.9)	(29.9)	(25.2)	(16.8)	(13.3)	(3.9)
Profit before tax	904.6	187.7	178.5	300.7	237.7	98.9	119.8	238.9	136.0	15.9	5.8	1.0	75.0	(30.5)	(22.9)	(30.9)	(24.6)	(23.2)	(7.7)	1.5	8.5
Taxation	(360.2)	(92.2)	(99.9)	(140.1)	(27.9)	(24.9)	(38.5)	(34.5)	(35.7)	(4.1)	(3.6)	(7.7)	(8.8)	(8.4)	(3.0)	(3.2)	(4.1)	(4.9)	(3.3)	(2.9)	(3.8)
Profit after tax	544.5	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Profit attributable to shareholders	544.5	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Per share
EPS – basic (Rs) Rs	0.41	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
Dividend per share (Rs) Rs	0.00	0.00	0.00	0.00	0.00	0.00	0.20	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

IMS 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	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
Revenue	+98.1%	+42.0%	-12.1%	+72.2%	+272.3%	+434.3%	+472.2%	+68.4%	+10.2%	+59.7%	+60.0%	+200.6%	+23.8%	-10.6%	-13.7%	-13.6%	-12.9%	-38.6%	+40.1%	+13.5%
Operating expenses	+76.0%	+39.1%	-23.1%	+41.5%	+225.2%	+322.9%	+270.8%	+74.3%	-1.8%	-4.8%	+6.4%	+64.3%	+29.3%	+28.3%	+7.5%	+23.8%	+1.5%	-11.6%	+46.8%	+13.8%
Finance cost	+106.4%	+5.5%	-77.0%	—	+42.3%	+16.8%	+333.0%	—	-68.6%	-40.2%	+0.3%	-114.9%	+41.3%	+63.4%	+110.2%	+659.5%	+312.2%	+188.5%	+87.3%	-50.8%
Profit before tax	+89.8%	+49.0%	+25.9%	+74.8%	+523.4%	+1,969.0%	+23,760.6%	+81.3%	—	—	—	—	—	—	-2,225.8%	-388.4%	-267.9%	-133.5%	-64.3%	-1.6%
Taxation	+270.5%	+159.8%	+306.2%	-21.9%	+500.1%	+960.0%	+350.7%	+307.2%	-50.9%	+19.4%	+139.5%	+112.8%	+72.7%	-7.1%	+10.2%	+8.2%	+2.5%	-48.2%	-0.6%	-9.0%
Profit after tax	+29.0%	-3.4%	-21.4%	+109.2%	+531.6%	+3,663.0%	—	+51.4%	—	—	—	—	—	—	—	-708.0%	-410.1%	-166.1%	-223.7%	+5.3%
Profit attributable to shareholders	+29.0%	-3.4%	-21.4%	+109.2%	+531.6%	+3,663.0%	—	+51.4%	—	—	—	—	—	—	—	-708.0%	-410.1%	-166.1%	-223.7%	+5.3%
Per share
EPS – basic (Rs)	+27.2%	-4.8%	-24.4%	+105.4%	-2.3%	+472.7%	—	+27.9%	—	—	—	—	—	—	—	-697.8%	-411.1%	-166.1%	-215.5%	+9.1%
Dividend per share (Rs)	—	-100.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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

IMS 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	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
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	(59.4%)	(63.7%)	(38.5%)	(47.8%)	(66.9%)	(65.1%)	(44.0%)	(58.2%)	(76.6%)	(82.2%)	(67.8%)	(56.2%)	(85.9%)	(138.0%)	(102.0%)	(102.9%)	(82.3%)	(96.1%)	(81.8%)	(71.8%)
Finance cost	(5.8%)	(4.1%)	(5.7%)	(3.9%)	(5.6%)	(5.5%)	(21.7%)	6.8%	(14.5%)	(25.3%)	(28.7%)	2.8%	(51.0%)	(67.6%)	(45.8%)	(57.5%)	(44.7%)	(37.0%)	(18.8%)	(6.5%)
Profit before tax	33.1%	36.2%	61.3%	52.5%	34.5%	34.5%	42.8%	51.7%	20.6%	8.9%	1.0%	48.0%	(43.7%)	(56.3%)	(50.7%)	(47.3%)	(41.2%)	(16.8%)	2.1%	14.2%
Taxation	(16.2%)	(20.3%)	(28.6%)	(6.2%)	(8.7%)	(11.1%)	(6.2%)	(13.6%)	(5.4%)	(5.6%)	(7.8%)	(5.6%)	(12.1%)	(7.5%)	(5.2%)	(7.9%)	(8.7%)	(7.2%)	(4.1%)	(6.3%)
Profit after tax	16.8%	15.9%	32.7%	46.3%	25.8%	23.4%	36.6%	38.1%	15.2%	3.3%	(6.8%)	42.4%	(55.8%)	(63.8%)	(56.0%)	(55.3%)	(49.9%)	(24.0%)	(2.0%)	7.9%
Profit attributable to shareholders	16.8%	15.9%	32.7%	46.3%	25.8%	23.4%	36.6%	38.1%	15.2%	3.3%	(6.8%)	42.4%	(55.8%)	(63.8%)	(56.0%)	(55.3%)	(49.9%)	(24.0%)	(2.0%)	7.9%

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 88

IMS 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	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
Investments & Loans - Business - Gain/(Loss)	125.8	(45.2)	(8.4)	58.7	(10.1)	0.1	89.7	25.7	8.5	11.5	35.5	48.3	47.3	9.9	37.3	21.4	26.4	12.4	9.1	6.4
Investment Securities - Business - Gain/(Loss)	125.8	(45.2)	(8.4)	58.7	(10.1)	0.1	89.7	25.7	8.5	11.5	35.5	48.3	47.3	9.9	37.3	21.4	26.4	12.4	9.1	6.4
Revenue from Business-Related Activities - Other - Total	441.9	538.0	499.2	394.1	296.7	346.9	468.5	237.3	68.4	53.4	62.1	107.9	22.6	30.7	23.7	30.5	30.0	33.1	61.6	53.7
Investment Securities - Business Unclassified - Gain/(Loss)	125.8	(45.2)	(8.4)	58.7	(10.1)	0.1	89.7	25.7	8.5	11.5	35.5	48.3	47.3	9.9	37.3	21.4	26.4	12.4	9.1	6.4
Revenue from Business Activities - Total	567.6	492.8	490.8	452.8	286.5	347.0	558.2	263.0	77.0	64.9	97.6	156.2	69.8	40.7	61.0	52.0	56.4	45.5	70.7	60.1
Selling, General & Administrative Expenses - Total	337.4	314.1	188.8	216.5	191.7	225.8	245.4	153.1	58.9	53.4	66.2	87.8	60.0	56.1	62.2	53.5	46.4	43.7	57.8	43.2
Operating Expenses - Total	337.4	314.1	188.8	216.5	191.7	225.8	245.4	153.1	58.9	53.4	66.2	87.8	60.0	56.1	62.2	53.5	46.4	43.7	57.8	43.2
Operating Expenses - before Interest Expenses & Provision for Loan Losses - Total	337.4	314.1	188.8	216.5	191.7	225.8	245.4	153.1	58.9	53.4	66.2	87.8	60.0	56.1	62.2	53.5	46.4	43.7	57.8	43.2
Operating Profit before Non-Recurring Income/(Expense)	230.3	178.7	302.0	236.2	94.8	121.2	312.8	109.9	18.0	11.6	31.4	68.3	9.8	(15.4)	(1.2)	(1.5)	10.0	1.8	12.9	16.9
Financing Income/(Expense) - Net - Total	(32.9)	(20.3)	(27.9)	(17.4)	(15.9)	(19.2)	(151.3)	17.8	(11.2)	(16.4)	(28.0)	4.4	(35.6)	(27.5)	(27.9)	(29.9)	(25.2)	(16.8)	(13.3)	(3.9)
Interest Expense - Net of (Interest Income)	32.9	20.3	27.9	17.4	15.9	19.2	121.4	(17.8)	11.2	16.4	28.0	(4.4)	35.6	27.5	27.9	29.9	25.2	16.8	13.3	3.9
Interest Expense - Net of Capitalized Interest	32.9	20.3	27.9	17.4	15.9	19.2	—	40.2	18.3	20.4	35.7	18.2	41.7	33.1	33.5	32.1	26.9	19.2	17.2	10.0
Non-Interest Financial Income/(Expense) - Total	—	—	—	—	—	—	(30.0)	—	—	—	—	—	—	—	—	—	—	—	—	—
Non-Interest Financial Income/(Expense) - Other - Net	—	—	—	—	—	—	(30.0)	—	—	—	—	—	—	—	—	—	—	—	—	—
Other Non-Operating Income/(Expense) - Total	(9.6)	20.0	26.6	18.9	12.2	25.6	69.8	15.9	5.7	9.1	2.2	2.2	1.9	(2.4)	2.4	(4.0)	(8.0)	(0.7)	(2.3)	(4.8)
Normalized Pre-tax Profit	187.7	178.5	300.7	237.7	91.1	127.6	231.3	143.6	12.5	4.2	5.5	75.0	(23.9)	(45.4)	(26.7)	(35.4)	(23.3)	(15.7)	(2.7)	8.2
Non-Recurring Income/Expense - Total	—	—	—	—	7.8	(7.8)	7.6	(7.6)	3.3	1.6	(4.5)	0.0	(6.6)	22.5	(4.2)	10.8	0.0	8.1	4.2	0.3
Interest Income - Non-Bank	—	—	—	—	—	—	—	58.0	7.1	4.0	7.7	22.6	6.0	5.6	5.6	2.2	1.7	2.4	3.9	6.0
Fair Value Adjustments - Financial Investments	—	—	—	—	7.8	(7.8)	7.6	(7.6)	3.3	1.6	(4.5)	0.0	(6.6)	22.5	(4.2)	10.8	0.0	8.1	4.2	0.3
Provision for Income Tax Expense- Unclassified	92.2	99.9	140.1	27.9	24.9	38.5	34.5	35.7	4.1	3.6	7.7	8.8	8.4	3.0	3.2	4.1	4.9	3.3	2.9	3.8
Income before Taxes	187.7	178.5	300.7	237.7	98.9	119.8	238.9	136.0	15.9	5.8	1.0	75.0	(30.5)	(22.9)	(30.9)	(24.6)	(23.2)	(7.7)	1.5	8.5
Income Taxes	92.2	99.9	140.1	27.9	24.9	38.5	34.5	35.7	4.1	3.6	7.7	8.8	8.4	3.0	3.2	4.1	4.9	3.3	2.9	3.8
Net Income after Tax	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Income before Discontinued Operations & Extraordinary Items	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Net Income before Minority Interest	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Net Income after Minority Interest	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Income Available to Common Shares	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Earnings Adjustments to Net Income - Other Expense/(Income)	0.0	(0.0)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DPS - Common - Gross - Issue - By Period End Date Rs	0.00	0.00	0.00	0.00	0.00	0.20	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	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Income available to Common excluding Extraordinary Items	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Shares used to calculate Basic EPS - Total mn	1,301.9	1,309.0	1,338.2	1,311.5	1,283.9	1,291.1	1,287.5	1,287.5	198.7	196.5	200.2	1,087.4	200.2	200.2	200.2	200.2	199.5	200.2	202.0	196.8
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs	0.07	0.06	0.12	0.16	0.05	0.07	0.15	0.08	0.04	0.00	(0.01)	0.06	(0.16)	(0.24)	(0.15)	(0.20)	(0.14)	(0.09)	(0.03)	0.02
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
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	1,301.9	1,309.0	1,338.2	1,311.5	1,283.9	1,291.1	1,287.5	1,287.5	198.7	196.5	200.2	1,087.4	200.2	200.2	200.2	200.2	199.5	200.2	202.0	196.8
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs	0.07	0.06	0.12	0.16	0.05	0.07	0.15	0.08	0.04	0.00	(0.01)	0.06	(0.16)	(0.24)	(0.15)	(0.20)	(0.14)	(0.09)	(0.03)	0.02
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
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Diluted Income available to Common excluding Extraordinary Items	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
Shares used to calculate Diluted EPS - Total mn	1,301.9	1,309.0	1,338.2	1,311.5	1,283.9	1,291.1	1,287.5	1,287.5	198.7	196.5	200.2	1,087.4	200.2	200.2	200.2	200.2	199.5	200.2	202.0	196.8
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs	0.07	0.06	0.12	0.16	0.05	0.07	0.15	0.08	0.04	0.00	(0.01)	0.06	(0.16)	(0.24)	(0.15)	(0.20)	(0.14)	(0.09)	(0.03)	0.02
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific	95.5	78.5	160.6	209.8	74.0	81.3	204.4	100.3	11.7	2.2	(6.7)	66.2	(39.0)	(25.9)	(34.1)	(28.7)	(28.1)	(10.9)	(1.4)	4.7
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	1,301.9	1,309.0	1,338.2	1,311.5	1,283.9	1,291.1	1,287.5	1,287.5	198.7	196.5	200.2	1,087.4	200.2	200.2	200.2	200.2	199.5	200.2	202.0	196.8
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs	0.07	0.06	0.12	0.16	0.06	0.06	0.16	0.08	0.06	0.01	(0.03)	0.06	(0.19)	(0.13)	(0.17)	(0.14)	(0.14)	(0.05)	(0.01)	0.02
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs	0.07	0.06	0.12	0.16	0.05	0.07	0.15	0.08	0.04	0.00	(0.01)	0.06	(0.16)	(0.24)	(0.15)	(0.20)	(0.14)	(0.09)	(0.03)	0.02
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	0.20	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	0.18	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)	230.3	178.7	302.0	236.2	94.8	121.2	312.8	109.9	18.0	11.6	31.4	68.3	9.8	(15.4)	(1.2)	(1.5)	10.0	1.8	12.9	16.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA)	237.0	191.9	313.3	248.1	104.5	129.2	317.3	118.9	20.8	14.4	35.0	70.0	11.9	(14.2)	0.3	(0.1)	11.3	3.1	14.5	18.4
Depreciation & Amortization - Supplemental	—	13.1	11.3	11.9	9.7	8.0	—	8.7	2.8	2.8	—	—	2.1	1.2	—	1.3	1.3	1.2	—	1.3
Depreciation Expense - Total - Supplemental	—	12.9	10.9	11.8	9.6	7.8	—	8.7	2.8	2.8	—	—	2.1	1.2	—	1.3	1.3	1.2	—	1.3
Depreciation - Financial Lease Right-of-Use Assets - Supplemental	—	8.4	6.4	7.0	3.7	3.4	—	7.3	—	—	—	—	—	—	—	—	—	—	—	—
Amortization - Total - Supplemental	—	0.2	0.5	0.1	0.1	0.2	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Intangible Amortization - Other - Supplemental	—	0.2	0.5	0.1	0.1	0.2	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Amortization of Computer Software - Supplemental	—	0.2	0.5	0.1	0.1	0.2	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Depreciation, Depletion & Amortization - Total	6.8	13.1	11.3	11.9	9.7	8.0	4.5	9.0	2.8	2.8	3.6	1.7	2.1	1.3	1.5	1.4	1.4	1.3	1.6	1.4
Depreciation - Total	6.0	12.9	10.9	11.8	9.6	7.8	4.5	8.7	2.8	2.8	3.6	1.6	2.1	1.2	1.4	1.3	1.3	1.2	1.5	1.3
Amortization of Intangible Assets excluding Goodwill - Total	0.8	0.2	0.5	0.1	0.1	0.2	—	0.3	0.0	0.0	0.0	0.0	0.0	0.0	0.1	0.1	0.1	0.1	0.1	0.1
Normalized after Tax Profit	95.5	78.5	160.6	209.8	66.2	89.2	196.8	107.9	8.4	0.5	(2.1)	66.2	(32.4)	(48.4)	(29.9)	(39.5)	(28.2)	(19.0)	(5.6)	4.4
Normalized Net Income from Continuing Operations	95.5	78.5	160.6	209.8	66.2	89.2	196.8	107.9	8.4	0.5	(2.1)	66.2	(32.4)	(48.4)	(29.9)	(39.5)	(28.2)	(19.0)	(5.6)	4.4
Normalized Net Income - Bottom Line	95.5	78.5	160.6	209.8	66.2	89.2	196.8	107.9	8.4	0.5	(2.1)	66.2	(32.4)	(48.4)	(29.9)	(39.5)	(28.2)	(19.0)	(5.6)	4.4
Earnings before Interest & Taxes (EBIT) - Normalized	220.6	198.7	328.6	255.2	107.0	146.8	352.6	125.8	23.7	20.6	33.6	70.6	11.7	(17.9)	1.2	(5.5)	2.0	1.1	10.6	12.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized	227.4	211.9	340.0	267.1	116.7	154.8	357.1	134.8	26.5	23.4	37.2	72.2	13.8	(16.6)	2.7	(4.1)	3.3	2.4	12.1	13.6
Depreciation of Financial Lease Right-of-Use Assets	—	8.4	6.4	7.0	3.7	3.4	—	7.3	—	—	—	—	—	—	—	—	—	—	—	—
Interest Expense	32.9	20.3	27.9	17.4	15.9	19.2	—	40.2	18.3	20.4	35.7	18.2	41.7	33.1	33.5	32.1	26.9	19.2	17.2	10.0
Operating Expenses	337.4	314.1	188.8	216.5	191.7	225.8	245.4	153.1	58.9	53.4	66.2	87.8	60.0	56.1	62.2	53.5	46.4	43.7	57.8	43.2
Selling, General & Administrative Expenses excluding Research & Development Expenses	337.4	314.1	188.8	216.5	191.7	225.8	245.4	153.1	58.9	53.4	66.2	87.8	60.0	56.1	62.2	53.5	46.4	43.7	57.8	43.2
Income before Taxes & Provision for Loan Losses	187.7	178.5	300.7	237.7	98.9	119.8	238.9	136.0	15.9	5.8	1.0	75.0	(30.5)	(22.9)	(30.9)	(24.6)	(23.2)	(7.7)	1.5	8.5
DPS - Common - Gross - Issue - By Payable Date Rs	0.00	0.00	0.00	0.00	0.20	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	0.20	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	112.2	87.4	175.5	225.2	86.0	94.4	204.4	130.0	25.2	9.8	(244.1)	82.3	—	—	—	—	—	—	(18.5)	10.2
Operating Expenses excluding Non-Cash Charges - Total	330.6	300.9	177.4	204.7	182.0	217.8	240.9	144.1	56.1	50.6	62.6	86.2	57.9	54.8	60.7	52.1	45.1	42.4	56.2	41.8
Revenue Net of Interest Expense Before Loan Loss Provision	567.6	492.8	490.8	452.8	286.5	347.0	558.2	263.0	77.0	64.9	97.6	156.2	69.8	40.7	61.0	52.0	56.4	45.5	70.7	60.1
Income from Earning Assets	125.8	(45.2)	(8.4)	58.7	(10.1)	0.1	89.7	25.7	8.5	11.5	35.5	48.3	47.3	9.9	37.3	21.4	26.4	12.4	9.1	6.4
Income Available to Common Shares before Depreciation & Amortization	102.3	91.7	171.9	221.7	83.7	89.3	208.9	109.3	14.5	5.0	(3.0)	67.9	(36.9)	(24.7)	(32.7)	(27.3)	(26.8)	(9.6)	0.1	6.2
Fixed Charges	32.9	20.3	27.9	17.4	15.9	19.2	—	40.2	18.3	20.4	35.7	18.2	41.7	33.1	33.5	32.1	26.9	19.2	17.2	10.0
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	0.20	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.