Last close · 16 Oct 2026
Rs 372.00 +0.25%
Quarterly · Q3 FY2021 – Q2 FY2026
MCB Bank Limited (MCB) quarterly income statement
MCB Bank Limited reported total income of Rs 51.5 bn for Q2 FY2026 (Apr – Jun 2026), up 6.9% on Q2 FY2025. Net interest income was Rs 41.5 bn, up 2.1% on Q2 FY2025, with non-interest income of Rs 10.0 bn. Tax of Rs 16.0 bn took 51.6% of pre-tax profit. Profit attributable to shareholders was Rs 14.9 bn, up 1.9% on Q2 FY2025, or Rs 12.54 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 | 334.2 | 83.8 | 81.0 | 84.9 | 84.6 | 83.0 | 79.5 | 96.7 | 112.2 | ||||||||||||
| Interest expense | (165.7) | (42.3) | (38.4) | (42.1) | (43.0) | (42.3) | (38.9) | (56.4) | (66.5) | ||||||||||||
| Net interest income | 168.5 | 41.5 | 42.6 | 42.8 | 41.6 | 40.6 | 40.6 | 40.4 | 45.7 | ||||||||||||
| Fee & commission income (net) | 23.5 | 6.5 | 6.0 | 6.5 | 4.5 | 4.7 | 5.7 | 4.0 | 4.9 | ||||||||||||
| Foreign exchange income | 10.3 | 3.0 | 1.6 | 2.5 | 3.1 | 2.8 | 2.4 | 1.8 | 2.8 | ||||||||||||
| Gain / (loss) on securities | 1.8 | 0.5 | (0.0) | 0.4 | 0.9 | 0.0 | (0.1) | 1.2 | 0.1 | ||||||||||||
| Total non-interest income | 35.6 | 10.0 | 7.6 | 9.4 | 8.6 | 7.6 | 7.9 | 9.1 | 7.9 | ||||||||||||
| Total income | 204.1 | 51.5 | 50.2 | 52.2 | 50.2 | 48.2 | 48.5 | 49.5 | 53.6 | ||||||||||||
| Operating expenses | (86.0) | (21.7) | (22.5) | (22.6) | (19.3) | (17.9) | (17.5) | (23.1) | (18.7) | ||||||||||||
| Provisions & impairment (loans) | (0.0) | (0.4) | 1.1 | 0.3 | (1.0) | (1.9) | (2.4) | 3.9 | 0.2 | ||||||||||||
| Profit before tax | 121.4 | 30.9 | 27.9 | 30.2 | 32.3 | 31.0 | 31.6 | 27.2 | 35.6 | ||||||||||||
| Taxation | (63.9) | (16.0) | (14.8) | (16.1) | (17.1) | (16.3) | (16.8) | (16.6) | (17.5) | ||||||||||||
| Profit after tax | 57.5 | 15.0 | 13.1 | 14.2 | 15.2 | 14.7 | 14.7 | 10.6 | 18.1 | ||||||||||||
| Profit attributable to shareholders | 57.2 | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 | ||||||||||||
| Per share | |||||||||||||||||||||
| EPS – basic (Rs) Rs | 48.23 | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 | ||||||||||||
| EPS – diluted (Rs) Rs | 48.23 | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 | ||||||||||||
| Dividend per share (Rs) Rs | 36.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | ||||||||||||
| Weighted average shares mn | 1,185.4 | 1,185.4 | 1,185.1 | 1,185.6 | 1,184.9 | 1,184.6 | 1,185.1 | 1,185.1 | 1,185.0 | ||||||||||||
| 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 | +1.0% | +1.8% | -12.3% | -24.6% | -23.6% | -21.6% | -7.3% | +11.1% | ||||||||||||
| Interest expense | -0.1% | -1.4% | -25.3% | -35.4% | -36.4% | -33.1% | -1.8% | +19.5% | ||||||||||||
| Net interest income | +2.1% | +5.0% | +6.0% | -8.9% | -3.4% | -6.1% | -14.0% | +0.8% | ||||||||||||
| Fee & commission income (net) | +38.0% | +5.6% | +62.6% | -9.5% | -7.0% | -6.4% | -18.4% | -5.3% | ||||||||||||
| Foreign exchange income | +6.9% | -31.3% | +42.1% | +11.0% | -8.0% | +22.4% | -36.4% | +13.1% | ||||||||||||
| Gain / (loss) on securities | +3,350.6% | — | -69.2% | +910.2% | -81.0% | -2,379.0% | +88.4% | -28.2% | ||||||||||||
| Total non-interest income | +32.5% | -3.6% | +3.8% | +8.8% | -8.0% | -1.3% | +8.8% | +0.1% | ||||||||||||
| Total income | +6.9% | +3.6% | +5.6% | -6.3% | -4.2% | -5.4% | -10.6% | +0.7% | ||||||||||||
| Operating expenses | +20.9% | +28.5% | -2.4% | +3.0% | -0.7% | +7.2% | +42.8% | +20.3% | ||||||||||||
| Provisions & impairment (loans) | — | — | -92.6% | -612.8% | -374.3% | — | +1,666.9% | — | ||||||||||||
| Profit before tax | -0.2% | -11.5% | +11.2% | -9.2% | -6.1% | -10.7% | -33.1% | -7.3% | ||||||||||||
| Taxation | -2.3% | -12.2% | -2.8% | -2.3% | +1.1% | -3.9% | -30.1% | -6.7% | ||||||||||||
| Profit after tax | +2.0% | -10.8% | +33.0% | -16.0% | -13.0% | -17.5% | -37.2% | -7.8% | ||||||||||||
| Profit attributable to shareholders | +1.9% | -10.5% | +33.8% | -16.5% | -13.1% | -17.8% | -37.7% | -7.8% | ||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +1.9% | -10.5% | +33.8% | -16.5% | -13.1% | -17.8% | -37.7% | -7.8% | ||||||||||||
| EPS – diluted (Rs) | +1.9% | -10.5% | +33.8% | -16.5% | -13.1% | -17.8% | -37.7% | -7.8% | ||||||||||||
| Dividend per share (Rs) | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | +12.5% | ||||||||||||
| 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 | 162.6% | 161.2% | 162.5% | 168.5% | 172.1% | 164.0% | 195.6% | 209.5% |
| Interest expense | (82.1%) | (76.4%) | (80.6%) | (85.6%) | (87.8%) | (80.3%) | (114.0%) | (124.1%) |
| Net interest income | 80.5% | 84.9% | 81.9% | 82.9% | 84.3% | 83.7% | 81.6% | 85.3% |
| Fee & commission income (net) | 12.7% | 11.9% | 12.5% | 8.9% | 9.8% | 11.7% | 8.1% | 9.2% |
| Foreign exchange income | 5.9% | 3.2% | 4.8% | 6.3% | 5.9% | 4.9% | 3.6% | 5.3% |
| Gain / (loss) on securities | 1.0% | (0.0%) | 0.7% | 1.9% | 0.0% | (0.3%) | 2.4% | 0.2% |
| Total non-interest income | 19.5% | 15.1% | 18.1% | 17.1% | 15.7% | 16.3% | 18.4% | 14.7% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (42.1%) | (44.9%) | (43.2%) | (38.4%) | (37.2%) | (36.2%) | (46.7%) | (34.9%) |
| Provisions & impairment (loans) | (0.9%) | 2.2% | 0.6% | (2.0%) | (3.9%) | (4.9%) | 7.9% | 0.4% |
| Profit before tax | 60.0% | 55.6% | 57.9% | 64.4% | 64.3% | 65.1% | 55.0% | 66.5% |
| Taxation | (31.0%) | (29.4%) | (30.8%) | (34.1%) | (33.9%) | (34.7%) | (33.5%) | (32.6%) |
| Profit after tax | 29.0% | 26.2% | 27.1% | 30.4% | 30.4% | 30.4% | 21.5% | 33.8% |
| Profit attributable to shareholders | 28.8% | 26.1% | 27.0% | 30.1% | 30.2% | 30.2% | 21.3% | 33.8% |
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. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 149
| 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 | 41.5 | 42.6 | 42.8 | 41.6 | 40.6 | 40.6 | 40.4 | 45.7 |
| Interest & Dividend Income - Finance - Total | 83.8 | 81.0 | 84.9 | 84.6 | 83.0 | 79.5 | 96.7 | 112.2 |
| Interest Income - Loans/Deposits | 26.4 | 24.0 | — | 22.0 | 24.5 | 28.3 | 34.4 | 35.9 |
| Interest & Fees on Loans & Receivables | 24.5 | 22.4 | — | 20.5 | 23.0 | 27.0 | 33.1 | 33.6 |
| Interest Income - Deposits to Other Financial Institutions | 1.8 | 1.6 | — | 1.5 | 1.5 | 1.3 | 1.3 | 2.3 |
| Interest & Dividend Income - Other - Finance | 0.8 | 1.0 | 1.7 | 0.4 | 0.8 | 1.5 | 1.7 | 0.7 |
| Interest & Dividend Income - Investment Securities - Finance | 56.7 | 56.0 | 83.1 | 62.2 | 57.7 | 49.7 | 60.7 | 75.7 |
| Net Commission & Fees Income/Expense - Business Revenue | 6.5 | 6.0 | 6.5 | 4.5 | 4.7 | 5.7 | 4.0 | 4.9 |
| Fees & Commissions Income | 7.7 | 7.2 | 6.5 | 5.6 | 5.7 | 6.6 | 6.1 | 6.0 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | 56.7 | 56.0 | — | 62.2 | 57.7 | 49.7 | 60.7 | 75.7 |
| Fees & Commissions Expense | 1.2 | 1.2 | — | 1.1 | 1.0 | 1.0 | 2.1 | 1.0 |
| Investments & Loans - Business - Gain/(Loss) | 0.5 | (0.0) | 0.4 | 0.9 | 0.0 | (0.1) | 3.3 | 0.1 |
| Interest Expense - Finance - Total | 42.3 | 38.4 | 42.1 | 43.0 | 42.3 | 38.9 | 56.4 | 66.5 |
| Interest Expense - Operational Financing - Business | 31.1 | 25.1 | 42.1 | 26.4 | 27.1 | 28.5 | 44.5 | 53.8 |
| Interest Expense - Deposits | 30.5 | 24.9 | — | 26.3 | 27.0 | 28.4 | 44.2 | 52.9 |
| Investment Securities - Business - Gain/(Loss) | 0.5 | (0.0) | 0.4 | 0.9 | 0.0 | (0.1) | 1.2 | 0.1 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 0.2 | 0.5 | — | 0.8 | 0.1 | (0.3) | 1.0 | 0.2 |
| Interest Expenses - Other - Total | 0.6 | 0.3 | — | 0.1 | 0.1 | 0.0 | 0.2 | 1.0 |
| Interest Expense - External Financing Business | 11.2 | 13.2 | — | 16.6 | 15.3 | 10.5 | 11.9 | 12.7 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 10.0 | 7.6 | 9.4 | 8.6 | 7.6 | 7.9 | 9.1 | 7.9 |
| Derivatives - Hedging - Business - Gain/(Loss) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2.1 | 0.0 |
| Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) | — | — | — | — | — | — | 2.1 | — |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 3.0 | 1.6 | 2.5 | 3.1 | 2.8 | 2.4 | 1.8 | 2.8 |
| Trading Investments/Trading Account Income - Gain/(Loss) | 0.3 | (0.5) | — | 0.2 | (0.1) | 0.2 | 0.2 | (0.1) |
| Trading Investments - Unrealized Gain/(Loss) | 0.3 | (0.5) | — | 0.2 | (0.1) | 0.2 | 0.2 | (0.1) |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | — | 0.4 | — | — | — | — | — |
| Revenue from Business Activities - Total | 51.5 | 50.2 | 52.2 | 50.2 | 48.2 | 48.5 | 49.5 | 53.6 |
| Selling, General & Administrative Expenses - Total | 22.0 | 21.4 | 0.6 | 19.9 | 19.6 | 19.6 | 18.7 | 18.3 |
| Selling, General & Administrative Expenses - Unclassified | 8.4 | 7.1 | — | 7.0 | 6.4 | 6.6 | 5.9 | 7.0 |
| Depreciation in Selling, General & Administrative Expenses | 1.2 | 2.1 | — | 1.9 | 2.0 | 1.8 | 2.0 | 1.7 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.2 | 0.2 | — | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Other Operating Expense/(Income) - Net | 0.1 | 0.0 | 21.7 | 0.3 | 0.2 | 0.3 | 0.4 | 0.2 |
| Other Operating Income - Total | — | — | 0.1 | — | — | — | — | — |
| Operating Expenses - Total | 21.7 | 22.5 | 22.6 | 19.3 | 17.9 | 17.5 | 23.1 | 18.7 |
| Provision & Impairment for Loan Losses | (0.4) | 1.1 | 0.3 | (1.0) | (1.9) | (2.4) | 3.9 | 0.2 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 11.8 | 11.5 | 0.6 | 10.2 | 9.8 | 9.7 | 9.2 | 8.7 |
| Selling, General & Administrative Expenses - Other - Total | 0.4 | 0.5 | — | 0.7 | 1.1 | 1.3 | 1.5 | 0.7 |
| Advertising Expense | 0.2 | 0.2 | — | 0.4 | 1.0 | 1.1 | 1.2 | 0.4 |
| Rental Expense | 0.1 | 0.2 | — | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 |
| Operating Profit before Non-Recurring Income/(Expense) | 29.9 | 27.7 | 29.6 | 30.9 | 30.3 | 30.9 | 26.3 | 34.9 |
| Property & Other Taxes | 0.1 | 0.1 | — | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Other Operating Expense | 0.1 | 0.2 | 21.7 | 0.4 | 0.2 | 0.3 | 0.3 | 0.2 |
| Operating Provisions - Increase/(Decrease) | (0.0) | (0.2) | — | (0.0) | (0.0) | 0.1 | 0.2 | 0.0 |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.1 | 0.0 | — | 0.1 | 0.1 | 0.1 | (0.0) | 0.1 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | 0.9 | 0.2 | 0.6 | 1.0 | 0.7 | 0.5 | 0.8 | 0.6 |
| Normalized Pre-tax Profit | 30.8 | 27.9 | 30.2 | 32.1 | 31.1 | 31.5 | 27.2 | 35.6 |
| Non-Recurring Income/Expense - Total | 0.1 | 0.0 | — | 0.2 | (0.1) | 0.0 | 0.0 | (0.0) |
| Impairment - Financial Investments | (0.1) | 0.0 | — | (0.2) | 0.1 | 0.0 | (0.0) | 0.1 |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 0.4 | 0.2 | 16.1 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 |
| Income before Taxes | 30.9 | 27.9 | 30.2 | 32.3 | 31.0 | 31.6 | 27.2 | 35.6 |
| Income Taxes | 16.0 | 14.8 | 16.1 | 17.1 | 16.3 | 16.8 | 16.6 | 17.5 |
| Income Taxes for the Year - Current | 15.9 | 14.5 | — | 15.8 | 16.0 | 14.5 | 20.4 | 17.5 |
| Income Taxes - Deferred | (0.3) | 0.0 | — | 1.0 | (2.5) | 2.1 | (0.5) | (0.3) |
| Income Taxes - Domestic - Deferred | (0.3) | 0.0 | — | 1.0 | (2.5) | 2.1 | (0.5) | (0.3) |
| Income Taxes - Other (by Type) | (0.0) | — | — | 0.0 | 2.7 | — | (3.5) | 0.0 |
| Net Income after Tax | 15.0 | 13.1 | 14.2 | 15.2 | 14.7 | 14.7 | 10.6 | 18.1 |
| Income before Discontinued Operations & Extraordinary Items | 15.0 | 13.1 | 14.2 | 15.2 | 14.7 | 14.7 | 10.6 | 18.1 |
| Net Income before Minority Interest | 15.0 | 13.1 | 14.2 | 15.2 | 14.7 | 14.7 | 10.6 | 18.1 |
| Minority Interest | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Net Income after Minority Interest | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| Income Available to Common Shares | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| Other Comprehensive Income - Starting Line | 15.0 | 13.1 | — | 15.2 | 14.7 | 14.7 | 10.6 | 18.1 |
| Other Comprehensive Income - Foreign Currency | (0.5) | (0.4) | — | (0.4) | 0.3 | 0.1 | 0.2 | 0.1 |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | 14.6 | (22.4) | — | 5.5 | 9.8 | 0.1 | (0.1) | 14.3 |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | — | — | — | — | — | — | 7.4 | — |
| Other Comprehensive Income - Associated Companies | 0.2 | (0.2) | — | 0.2 | (0.1) | 0.2 | 0.3 | 0.1 |
| Other Comprehensive Income - Pension Related | — | — | — | — | — | — | 2.4 | — |
| Other Comprehensive Income - Net of Tax - Total | 14.2 | (23.0) | — | 5.3 | 10.0 | 0.4 | 10.1 | 14.5 |
| Comprehensive Income before Minority Interest - Total | 29.2 | (9.8) | — | 20.6 | 24.6 | 15.1 | 20.8 | 32.6 |
| Comprehensive Income - Attributable to Minority Interest - Total | 0.1 | 0.0 | — | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | 18.9 | 0.4 | — | 20.4 | 24.6 | 0.1 | 20.6 | 32.5 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| Income available to Common excluding Extraordinary Items | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| Shares used to calculate Basic EPS - Total mn | 1,185.4 | 1,185.1 | 1,185.6 | 1,184.9 | 1,184.6 | 1,185.1 | 1,185.1 | 1,185.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 12.47 | 11.05 | 11.87 | 12.57 | 12.37 | 12.35 | 8.84 | 15.28 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| 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 | 1,185.4 | 1,185.1 | 1,185.6 | 1,184.9 | 1,184.6 | 1,185.1 | 1,185.1 | 1,185.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 12.47 | 11.05 | 11.87 | 12.57 | 12.37 | 12.35 | 8.84 | 15.28 |
| 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 | 15.91 | 0.32 | — | 17.24 | 20.73 | 0.05 | 17.42 | 27.47 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| Diluted Income available to Common excluding Extraordinary Items | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| Shares used to calculate Diluted EPS - Total mn | 1,185.4 | 1,185.1 | 1,185.6 | 1,184.9 | 1,184.6 | 1,185.1 | 1,185.1 | 1,185.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 12.47 | 11.05 | 11.87 | 12.57 | 12.37 | 12.35 | 8.84 | 15.28 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| 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 | 1,185.4 | 1,185.1 | 1,185.6 | 1,184.9 | 1,184.6 | 1,185.1 | 1,185.1 | 1,185.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 12.47 | 11.05 | 11.87 | 12.57 | 12.37 | 12.35 | 8.84 | 15.28 |
| 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 | 15.91 | 0.32 | — | 17.24 | 20.73 | 0.05 | 17.42 | 27.47 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 8.10 | 8.10 | 8.10 | 8.10 | 8.10 | 8.10 | 8.10 | 8.10 |
| Earnings before Interest & Taxes (EBIT) | 29.9 | 27.7 | 29.6 | 30.9 | 30.3 | 30.9 | 26.3 | 34.9 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 32.3 | 30.0 | 32.1 | 33.0 | 32.5 | 32.9 | 28.5 | 36.8 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | 32.4 | 30.2 | — | 33.2 | 32.6 | 33.1 | 28.7 | 36.9 |
| Depreciation & Amortization - Supplemental | 1.4 | 2.3 | — | 2.1 | 2.2 | 2.0 | 2.2 | 1.9 |
| Depreciation Expense - Total - Supplemental | 1.2 | 2.1 | — | 1.9 | 2.0 | 1.8 | 2.0 | 1.7 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 0.8 | 0.7 | — | 0.6 | 0.8 | 0.5 | 0.7 | 0.5 |
| Amortization - Total - Supplemental | 0.2 | 0.2 | — | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Intangible Amortization - Other - Supplemental | 0.2 | 0.2 | — | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Amortization of Computer Software - Supplemental | 0.2 | 0.2 | — | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Depreciation, Depletion & Amortization - Total | 2.5 | 2.3 | 2.4 | 2.1 | 2.2 | 2.0 | 2.2 | 1.9 |
| Depreciation - Total | 2.3 | 2.1 | 2.3 | 1.9 | 2.0 | 1.8 | 2.0 | 1.7 |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Labor & Related Expenses - Total | 11.8 | 11.5 | — | 10.2 | 9.8 | 9.7 | 9.2 | 8.7 |
| Labor & Related Expenses - Supplemental | 11.8 | 11.5 | — | 10.2 | 9.8 | 9.7 | 9.2 | 8.7 |
| Normalized after Tax Profit | 14.9 | 13.1 | 14.2 | 15.0 | 14.7 | 14.7 | 10.6 | 18.1 |
| Normalized Net Income from Continuing Operations | 14.9 | 13.1 | 14.2 | 15.0 | 14.7 | 14.7 | 10.6 | 18.1 |
| Normalized Net Income - Bottom Line | 14.8 | 13.1 | 14.1 | 14.9 | 14.7 | 14.6 | 10.5 | 18.1 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 30.8 | 27.9 | 30.2 | 32.1 | 31.1 | 31.5 | 27.2 | 35.6 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 33.3 | 30.2 | 32.7 | 34.2 | 33.3 | 33.5 | 29.3 | 37.5 |
| Loan Losses - Net | (0.1) | 0.0 | — | (0.1) | (0.1) | 0.0 | (0.1) | — |
| Loan Recoveries - Actual | 0.1 | 0.1 | — | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan Losses - Actual | 0.0 | 0.1 | — | 0.0 | 0.0 | 0.1 | 0.0 | — |
| Interest Expense on Financial Lease Liabilities - Supplemental | 0.7 | 0.6 | — | 0.4 | 0.7 | 0.4 | 0.6 | 0.4 |
| Rental/Operating Lease Expense | 0.1 | 0.2 | — | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 |
| Advertising Expenses - Supplemental | 0.2 | 0.2 | — | 0.4 | 1.0 | 1.1 | 1.2 | 0.4 |
| Interest Expense | 42.3 | 38.4 | 42.1 | 43.0 | 42.3 | 38.9 | 56.4 | 66.5 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 41.9 | 41.5 | 42.5 | 42.6 | 42.5 | 43.0 | 36.4 | 45.5 |
| Commissions & Fees from Securities Activities | 0.1 | 0.0 | — | 0.0 | 0.0 | 0.0 | (0.0) | 0.1 |
| Revenue after Loan Provisions - Net - Finance | 84.2 | 79.9 | 84.6 | 85.6 | 84.9 | 81.9 | 92.8 | 112.1 |
| Operating Expenses | 21.7 | 22.5 | 22.6 | 19.3 | 17.9 | 17.5 | 23.1 | 18.7 |
| Foreign Exchange Gain/(Loss) | 3.0 | 1.6 | 2.5 | 3.1 | 2.8 | 2.4 | 1.8 | 2.8 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 22.0 | 21.4 | 0.6 | 19.9 | 19.6 | 19.6 | 18.7 | 18.3 |
| Investment Gain/(Loss) | 1.3 | 1.0 | 2.1 | 1.4 | 0.8 | 1.4 | 2.1 | 0.8 |
| Non-Interest Expense - Bank | 21.1 | 21.2 | 21.7 | 18.8 | 19.1 | 19.3 | 18.3 | 17.8 |
| Income before Taxes & Provision for Loan Losses | 30.5 | 29.0 | 30.5 | 31.4 | 29.1 | 29.2 | 31.1 | 35.8 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 |
| Tax Adjusted Operating Income | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| Operating Expenses excluding Non-Cash Charges - Total | 19.2 | 20.2 | 20.1 | 17.2 | 15.7 | 15.6 | 20.9 | 16.8 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 51.5 | 50.2 | 52.2 | 50.2 | 48.2 | 48.5 | 49.5 | 53.6 |
| Income from Earning Assets | 87.6 | 82.1 | 87.7 | 88.9 | 85.7 | 81.9 | 99.9 | 115.1 |
| Income Available to Common Shares before Depreciation & Amortization | 17.3 | 15.4 | 16.5 | 17.2 | 16.8 | 16.6 | 12.7 | 20.0 |
| Commissions and Fees | 6.5 | 6.0 | 6.5 | 4.5 | 4.7 | 5.7 | 4.0 | 4.9 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.