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Commercial Banks

UBL United Bank Limited

Latest results: FY2025 · Dec 2025

Last close · 16 Oct 2026

Rs 412.53 +0.45%

Annual · FY2006 – FY2025

United Bank Limited (UBL) income statement

United Bank Limited reported total income of Rs 412.1 bn for FY2025 (Jan – Dec 2025), up 65.9% on FY2024. Net interest income was Rs 363.9 bn, up 107.6% on FY2024, with non-interest income of Rs 48.3 bn. Tax of Rs 161.1 bn took 55.3% of pre-tax profit. Profit attributable to shareholders was Rs 130.0 bn, up 73.0% on FY2024, or Rs 52.13 per share.

UBL income statement (annual) (Rs bn)
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 1,187.2 1,086.4 536.8 259.4 154.3 157.0 158.4 118.5 112.3 104.0 99.9 87.6 77.3 75.9 71.7 60.2 62.0 53.0 42.3 34.3
Interest expense (823.3) (911.1) (386.2) (150.1) (78.0) (79.0) (93.9) (58.9) (52.5) (42.9) (39.7) (38.8) (36.2) (35.8) (31.3) (25.2) (28.3) (24.2) (17.2) (12.3)
Net interest income 363.9 175.3 150.6 109.3 76.3 77.9 64.5 59.6 59.8 61.1 60.2 48.7 41.1 40.2 40.4 35.0 33.6 28.7 25.2 22.1
Fee & commission income (net) 21.2 13.9 14.4 14.0 12.3 10.9 13.7 14.6 14.0 13.4 14.5 13.2 11.6 9.6 7.8 7.0 6.7 7.2 5.9 4.2
Foreign exchange income 18.0 12.6 12.7 8.6 4.2 3.9 4.7 3.7 2.2 2.0 2.6 3.1 2.2 1.9 2.2 1.7 1.3 1.7 0.9 0.7
Gain / (loss) on securities 9.6 45.5 (11.6) 0.6 3.5 0.6 0.2 3.9 0.0 (0.0) 0.0 (0.0) (0.0) (0.0) (0.0) 0.0 0.0 0.0 0.0 0.0
Total non-interest income 48.3 73.2 15.4 24.4 20.0 15.5 18.6 22.3 21.0 21.1 20.6 18.9 17.1 15.8 10.4 9.0 8.7 9.1 22.2 5.2
Total income 412.1 248.5 166.0 133.6 96.3 93.4 83.1 81.9 80.8 82.2 80.8 67.6 58.2 55.9 50.7 43.9 42.4 37.8 47.3 27.3
Operating expenses (122.8) (104.8) (60.9) (50.7) (46.3) (59.0) (47.2) (49.3) (39.7) (35.2) (37.5) (33.0) (30.5) (29.7) (26.5) (24.6) (27.5) (21.7) (4.8) (12.7)
Provisions & impairment (loans) (4.7) 10.9 (5.2) (3.4) 0.7 15.8 4.5 10.7 2.2 0.7 3.1 0.9 1.6 3.8 6.9 7.8 11.7 5.9 6.4 2.2
Profit before tax 291.1 145.0 110.6 68.4 52.2 34.4 35.7 25.6 40.9 47.2 43.4 35.6 29.0 28.3 23.6 17.7 14.4 14.1 13.8 14.5
Taxation (161.1) (70.2) (54.1) (36.4) (21.5) (13.6) (15.5) (10.4) (14.9) (19.2) (16.4) (11.6) (9.2) (9.1) (8.7) (6.7) 2.2 (5.6) (4.6) (4.8)
Profit after tax 130.0 74.8 56.5 32.1 30.7 20.8 20.3 15.2 26.0 28.0 27.0 24.0 19.7 19.2 14.9 11.0 16.6 8.4 9.2 9.7
Profit attributable to shareholders 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8 26.2 23.6 19.3 19.2 14.9 11.0 16.6 8.4 9.0 9.5
Per share
EPS – basic (Rs) Rs 52.13 30.70 22.52 12.88 12.42 8.55 7.80 6.32 10.60 11.35 10.68 9.66 7.88 7.82 6.07 4.51 6.78 3.41 3.67 4.87
EPS – diluted (Rs) Rs 52.13 30.70 22.52 12.88 12.42 8.55 7.80 6.32 10.60 11.35 10.68 9.66 7.88 7.82 6.07 4.51 3.89 3.41 3.67 4.87
Dividend per share (Rs) Rs 29.50 22.00 22.00 11.00 9.00 6.00 6.00 5.50 6.50 6.50 6.50 5.75 5.00 4.25 3.75 2.50 1.14 1.03 0.99 0.79
Weighted average shares mn 2,493.7 2,448.5 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,447.4 1,958.7
UBL income statement — year-on-year change (Rs mn)
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 +9.3% +102.4% +107.0% +68.1% -1.7% -0.9% +33.7% +5.5% +8.0% +4.1% +14.1% +13.3% +1.8% +5.9% +19.1% -2.9% +17.0% +25.1% +23.3% —
Interest expense -9.6% +135.9% +157.3% +92.4% -1.2% -15.9% +59.5% +12.2% +22.3% +8.1% +2.2% +7.3% +1.2% +14.2% +24.2% -11.0% +16.8% +41.3% +40.0% —
Net interest income +107.6% +16.4% +37.8% +43.2% -2.1% +20.9% +8.1% -0.3% -2.1% +1.5% +23.5% +18.5% +2.4% -0.5% +15.4% +4.0% +17.2% +14.1% +14.1% —
Fee & commission income (net) +51.9% -3.0% +2.3% +14.2% +12.8% -20.5% -6.0% +4.3% +4.0% -7.1% +9.3% +13.9% +20.8% +23.6% +10.8% +4.2% -7.0% +22.8% +39.1% —
Foreign exchange income +43.1% -1.2% +47.9% +107.0% +7.6% -17.4% +27.7% +70.1% +9.9% -24.4% -16.3% +39.8% +13.6% -9.7% +24.3% +36.0% -23.0% +85.4% +24.1% —
Gain / (loss) on securities -78.8% — -2,165.8% -83.9% +469.9% +181.6% -94.4% +175,968.6% — -107.5% — — — — -197.1% +1,186.4% -75.8% -32.2% +372.4% —
Total non-interest income -34.0% +374.6% -36.7% +21.9% +29.3% -17.1% -16.4% +6.4% -0.7% +2.7% +8.8% +10.7% +8.1% +52.1% +15.6% +3.0% -4.4% -58.9% +322.6% —
Total income +65.9% +49.7% +24.2% +38.8% +3.1% +12.4% +1.4% +1.4% -1.7% +1.8% +19.4% +16.2% +4.0% +10.2% +15.5% +3.8% +12.0% -20.1% +73.3% —
Operating expenses +17.1% +72.1% +20.2% +9.5% -21.5% +25.0% -4.3% +24.1% +12.6% -6.0% +13.6% +8.1% +2.9% +11.8% +7.9% -10.5% +26.3% +351.6% -62.1% —
Provisions & impairment (loans) -143.3% — — -594.5% -95.7% +253.3% -58.1% +384.0% +211.8% -77.3% +255.4% -44.8% -58.7% -44.0% -12.5% -32.9% +98.8% -8.5% +197.0% —
Profit before tax +100.7% +31.2% +61.6% +31.2% +51.7% -3.8% +39.8% -37.5% -13.3% +8.5% +22.0% +23.0% +2.3% +19.8% +33.6% +22.9% +2.4% +1.9% -4.9% —
Taxation +129.5% +29.7% +48.8% +69.4% +58.2% -12.2% +48.9% -30.5% -22.0% +16.5% +41.8% +25.5% +1.8% +3.7% +31.2% — -138.7% +23.0% -5.7% —
Profit after tax +73.7% +32.5% +76.1% +4.5% +47.5% +2.6% +33.7% -41.6% -7.3% +3.7% +12.4% +21.8% +2.5% +29.3% +35.1% -33.5% +96.1% -8.6% -4.4% —
Profit attributable to shareholders +73.0% +36.3% +74.9% +3.7% +45.2% +9.7% +23.3% -40.3% -6.6% +6.2% +10.6% +22.6% +0.7% +29.0% +34.7% -33.5% +98.6% -6.9% -5.8% —
Per share
EPS – basic (Rs) +69.8% +36.3% +74.9% +3.7% +45.2% +9.7% +23.3% -40.3% -6.6% +6.2% +10.6% +22.6% +0.7% +29.0% +34.7% -33.5% +98.6% -6.9% -24.6% —
EPS – diluted (Rs) +69.8% +36.3% +74.9% +3.7% +45.2% +9.7% +23.3% -40.3% -6.6% +6.2% +10.6% +22.6% +0.7% +29.0% +34.7% +15.9% +14.0% -6.9% -24.6% —
Dividend per share (Rs) +34.1% 0.0% +100.0% +22.2% +50.0% 0.0% +9.1% -15.4% 0.0% 0.0% +13.0% +15.0% +17.6% +13.3% +50.0% +120.0% +10.0% +4.2% +25.0% —
Weighted average shares — — — — — — — — — — — — — — — — — — — —

Change against the previous fiscal year; shown when the earlier figure is positive.

UBL income statement — common size (Rs mn)
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 288.1% 437.3% 323.4% 194.1% 160.3% 168.0% 190.6% 144.7% 139.0% 126.6% 123.7% 129.5% 132.9% 135.7% 141.2% 136.9% 146.3% 140.0% 89.4% 125.7%
Interest expense (199.8%) (366.7%) (232.7%) (112.3%) (81.0%) (84.6%) (113.0%) (71.9%) (65.0%) (52.2%) (49.2%) (57.4%) (62.2%) (63.9%) (61.7%) (57.4%) (66.9%) (64.1%) (36.3%) (44.9%)
Net interest income 88.3% 70.6% 90.7% 81.8% 79.2% 83.4% 77.6% 72.8% 74.1% 74.3% 74.5% 72.1% 70.7% 71.8% 79.5% 79.6% 79.4% 75.9% 53.2% 80.8%
Fee & commission income (net) 5.1% 5.6% 8.7% 10.5% 12.8% 11.7% 16.5% 17.8% 17.3% 16.4% 17.9% 19.6% 20.0% 17.2% 15.3% 16.0% 15.9% 19.2% 12.5% 15.5%
Foreign exchange income 4.4% 5.1% 7.7% 6.4% 4.3% 4.1% 5.6% 4.5% 2.7% 2.4% 3.2% 4.6% 3.8% 3.5% 4.2% 3.9% 3.0% 4.4% 1.9% 2.6%
Gain / (loss) on securities 2.3% 18.3% (7.0%) 0.4% 3.6% 0.7% 0.3% 4.7% 0.0% (0.0%) 0.0% (0.0%) (0.0%) (0.0%) (0.1%) 0.1% 0.0% 0.0% 0.0% 0.0%
Total non-interest income 11.7% 29.4% 9.3% 18.2% 20.8% 16.6% 22.4% 27.2% 25.9% 25.7% 25.5% 27.9% 29.3% 28.2% 20.5% 20.4% 20.6% 24.1% 46.8% 19.2%
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 (29.8%) (42.2%) (36.7%) (37.9%) (48.1%) (63.1%) (56.7%) (60.1%) (49.1%) (42.9%) (46.4%) (48.8%) (52.5%) (53.0%) (52.2%) (55.9%) (64.8%) (57.5%) (10.2%) (46.5%)
Provisions & impairment (loans) (1.1%) 4.4% (3.1%) (2.5%) 0.7% 16.9% 5.4% 13.0% 2.7% 0.9% 3.9% 1.3% 2.7% 6.9% 13.5% 17.9% 27.6% 15.6% 13.6% 7.9%
Profit before tax 70.6% 58.4% 66.6% 51.2% 54.2% 36.8% 43.0% 31.2% 50.6% 57.4% 53.8% 52.7% 49.8% 50.6% 46.6% 40.2% 34.0% 37.2% 29.1% 53.1%
Taxation (39.1%) (28.3%) (32.6%) (27.2%) (22.3%) (14.5%) (18.6%) (12.7%) (18.5%) (23.3%) (20.4%) (17.1%) (15.9%) (16.2%) (17.2%) (15.2%) 5.1% (14.8%) (9.6%) (17.7%)
Profit after tax 31.5% 30.1% 34.0% 24.0% 31.9% 22.3% 24.4% 18.5% 32.1% 34.1% 33.4% 35.5% 33.9% 34.4% 29.3% 25.1% 39.1% 22.3% 19.5% 35.4%
Profit attributable to shareholders 31.5% 30.2% 33.2% 23.6% 31.6% 22.4% 23.0% 18.9% 32.1% 33.8% 32.4% 35.0% 33.1% 34.2% 29.3% 25.1% 39.2% 22.1% 19.0% 34.9%

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 15 Oct 2026.

All reported line items 158
UBL income statement — all reported line items (Rs bn)
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 363.9 175.3 150.6 109.3 76.3 77.9 64.5 59.6 59.8 61.1
Interest & Dividend Income - Finance - Total 1,187.2 1,086.4 536.8 259.4 154.3 157.0 158.4 118.5 112.3 104.0
Interest Income - Loans/Deposits 136.0 123.3 140.0 84.1 45.7 58.0 75.4 51.2 37.6 33.6
Interest & Fees on Loans & Receivables 121.8 113.2 123.9 76.5 43.1 54.8 68.2 45.4 35.1 32.0
Interest Income - Deposits to Other Financial Institutions 14.2 10.1 16.1 7.7 2.7 3.2 7.2 5.9 2.4 1.6
Interest & Dividend Income - Other - Finance 2.3 1.7 1.6 1.5 1.6 0.9 1.1 1.7 1.7 2.3
Interest & Dividend Income - Investment Securities - Finance 1,048.9 961.3 395.2 173.7 107.0 98.1 81.9 65.6 73.0 68.2
Net Commission & Fees Income/Expense - Business Revenue 21.2 13.9 14.4 14.0 12.3 10.9 13.7 14.6 14.0 13.4
Fees & Commissions Income 32.2 21.6 19.9 17.3 14.8 12.9 15.8 16.1 15.1 14.6
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 1,048.9 961.3 395.2 173.7 107.0 98.1 81.9 65.6 73.0 68.2
Fees & Commissions Expense 11.0 7.7 5.5 3.3 2.5 2.0 2.1 1.5 1.1 1.2
Investments & Loans - Business - Gain/(Loss) 9.1 46.7 (11.7) 1.7 3.5 0.7 0.3 4.1 4.8 5.7
Interest Expense - Finance - Total 823.3 911.1 386.2 150.1 78.0 79.0 93.9 58.9 52.5 42.9
Interest Expense - Operational Financing - Business 179.0 206.3 180.7 114.3 62.0 65.6 72.9 39.4 32.8 40.7
Interest Expense - Deposits 176.7 202.3 177.8 111.5 58.9 62.1 67.6 38.1 32.8 30.5
Investment Securities - Business - Gain/(Loss) 9.6 45.5 (11.6) 0.6 3.5 0.6 0.2 3.9 0.0 (0.0)
Interest Expense - Collateralized Financing — — — — — — — — — 10.2
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 9.6 42.6 (11.5) 0.6 3.5 0.6 0.2 3.9 — —
Interest Expenses - Other - Total 2.3 4.0 3.0 2.8 3.1 3.5 5.2 1.4 — —
Interest Expense - External Financing Business 644.3 704.8 205.5 35.8 16.0 13.4 21.1 19.5 19.7 2.3
Non-Interest Business Revenue/(Expense) - Net - Total 48.3 73.2 15.4 24.4 20.0 15.5 18.6 22.3 21.0 21.1
Derivatives - Hedging - Business - Gain/(Loss) (0.5) 1.2 (0.1) 1.2 0.1 0.1 0.1 0.2 0.0 0.1
Net Foreign Exchange Income/(Expense) - Business Revenue 18.0 12.6 12.7 8.6 4.2 3.9 4.7 3.7 2.2 2.0
Gain/(Loss) on Sale of Financial Instruments - Other — — — — — — — — 4.8 5.6
Trading Investments/Trading Account Income - Gain/(Loss) — — (0.1) (0.0) 0.0 0.0 (0.0) 0.0 0.0 (0.0)
Trading Investments - Unrealized Gain/(Loss) — — (0.1) (0.0) 0.0 0.0 (0.0) 0.0 0.0 (0.0)
Investment Gain/(Loss) - Other 0.0 2.9 — — — — — — — —
Settlement of Loans - Gain/(Loss) (0.0) 0.0 0.0 (0.0) 0.0 0.0 0.0 0.0 — —
Revenue from Business Activities - Total 412.1 248.5 166.0 133.6 96.3 93.4 83.1 81.9 80.8 82.2
Selling, General & Administrative Expenses - Total 126.0 91.1 65.9 53.4 45.4 41.9 42.2 38.0 38.2 34.8
Selling, General & Administrative Expenses - Unclassified 33.5 30.1 23.7 19.8 16.5 15.3 14.2 13.4 14.5 11.8
Depreciation in Selling, General & Administrative Expenses 14.2 8.4 6.9 5.9 5.0 4.6 4.9 2.4 2.3 1.9
Amortization of Intangibles in Selling, General & Administrative Expenses 5.9 1.0 1.1 0.9 0.9 0.9 0.7 0.6 0.4 0.4
Equipment/Occupancy Expense - Bank/Financial - Other 3.6 3.2 2.1 1.4 1.2 0.7 2.6 2.2 — —
Other Operating Expense/(Income) - Net 1.5 2.8 0.3 0.7 0.2 1.3 0.5 0.5 (0.7) (0.2)
Other Operating Income - Total 0.7 0.8 0.9 0.4 0.2 0.3 0.3 0.4 0.4 0.5
Operating Expenses - Total 122.8 104.8 60.9 50.7 46.3 59.0 47.2 49.3 39.7 35.2
Provision & Impairment for Loan Losses (4.7) 10.9 (5.2) (3.4) 0.7 15.8 4.5 10.7 2.2 0.7
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 57.0 42.2 29.2 23.1 20.0 18.6 17.5 15.4 16.8 15.4
Selling, General & Administrative Expenses - Other - Total 15.4 9.5 5.0 3.7 3.1 2.5 4.8 6.3 4.0 5.2
Advertising Expense 9.4 4.4 1.2 1.0 0.8 0.6 0.8 0.8 1.1 0.8
Rental Expense 2.4 1.9 1.6 1.2 1.1 1.2 1.4 3.3 2.9 4.4
Operating Profit before Non-Recurring Income/(Expense) 289.4 143.6 105.1 83.0 50.0 34.4 35.9 32.7 41.1 47.0
Other Operating Expense 1.8 1.5 1.1 0.9 0.8 0.9 0.4 0.4 0.1 0.3
Operating Provisions - Increase/(Decrease) 0.4 2.1 0.1 0.1 (0.3) 0.6 0.5 0.5 (0.3) —
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.2 0.2 0.5 0.2 0.0 0.3 0.1 0.1 0.1 0.0
Equity Earnings/(Loss) - before Taxes including Non-Recurring 1.0 0.9 (1.0) (0.7) 0.3 0.5 0.8 0.7 0.5 1.1
Normalized Pre-tax Profit 290.5 144.8 104.6 82.5 50.4 35.2 36.8 33.4 41.6 48.1
Non-Recurring Income/Expense - Total 0.6 0.3 6.0 (14.1) 1.8 (0.8) (1.1) (7.9) (0.7) (0.9)
Impairment - Financial Investments (0.4) (0.2) (6.0) 20.8 (1.8) 0.8 2.4 1.2 0.7 0.9
Fair Value Adjustments - Financial Investments 0.3 0.0 — — — — — — — —
Non-Recurring Income/(Expense) - Other - Total — — 0.0 6.8 — 0.0 1.3 (6.7) 0.0 —
Income before Taxes 291.1 145.0 110.6 68.4 52.2 34.4 35.7 25.6 40.9 47.2
Income Taxes 161.1 70.2 54.1 36.4 21.5 13.6 15.5 10.4 14.9 19.2
Income Taxes for the Year - Current 121.4 86.1 53.4 31.3 21.1 17.4 15.0 10.4 14.7 15.3
Income Taxes - Deferred 33.0 (4.3) (1.3) 1.4 0.6 (3.8) (0.2) (0.6) 2.3 1.6
Income Taxes - Other (by Type) 6.7 (11.6) 2.0 3.7 (0.2) (0.0) 0.7 0.6 (2.0) 2.3
Net Income after Tax 130.0 74.8 56.5 32.1 30.7 20.8 20.3 15.2 26.0 28.0
Income before Discontinued Operations & Extraordinary Items 130.0 74.8 56.5 32.1 30.7 20.8 20.3 15.2 26.0 28.0
Net Income before Minority Interest 130.0 75.2 56.5 32.1 30.6 20.8 19.0 15.0 26.0 28.0
Minority Interest 0.0 0.0 1.3 0.5 0.2 (0.1) (0.0) (0.4) 0.0 0.2
Net Income after Minority Interest 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8
Income Available to Common Shares 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8
Extraordinary Activities - after Tax - Gain/(Loss) 0.0 0.3 0.0 0.0 (0.1) (0.0) (1.2) (0.1) — —
Discontinued Operations - Net of Taxes - Total - Income/(Expense) 0.0 0.3 0.0 0.0 (0.1) (0.0) (1.2) (0.1) — —
Other Comprehensive Income - Starting Line 130.0 75.8 56.5 32.1 30.6 20.8 19.0 15.0 26.0 —
Discontinued Operations - Net - Income/(Expense) 0.0 0.3 0.0 — — — — — — —
Other Comprehensive Income - Foreign Currency 0.5 (10.3) 22.3 12.4 4.1 2.7 6.8 12.2 2.7 —
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 109.2 43.1 26.5 (21.5) (5.0) 2.2 11.0 (16.8) (8.5) —
Discontinued Operations before Tax - Total - Income/(Expense) — — — 0.0 (0.1) (0.0) (1.0) (0.2) — —
Discontinued Operations before Tax - Income/(Expense) — — — 0.0 (0.1) (0.0) (1.0) (0.2) — —
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 0.0 0.2 1.7 0.4 16.0 0.0 0.8 0.4 6.7 —
Other Comprehensive Income - Other — 0.0 0.0 0.0 0.0 (0.0) 0.0 (0.0) 6.7 —
Discontinued Operations - Tax Impacts — — — 0.0 0.0 0.0 (0.3) 0.0 — —
Other Comprehensive Income - Pension Related — — 1.2 1.0 1.3 (0.9) (0.6) (0.4) (0.0) —
Other Comprehensive Income - Net of Tax - Total 109.7 32.9 51.6 (7.7) 16.4 3.9 18.0 (4.6) 7.6 —
Comprehensive Income before Minority Interest - Total 239.7 108.7 108.1 24.4 47.0 24.7 37.0 10.5 33.5 —
Comprehensive Income - Attributable to Minority Interest - Total 0.0 0.7 5.8 0.6 1.1 0.3 1.7 0.1 1.0 —
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 239.7 108.0 102.3 23.8 45.9 24.4 35.4 10.4 25.8 —
DPS - Common - Gross - Issue - By Period End Date Rs 29.50 22.00 22.00 11.00 9.00 6.00 6.00 5.50 6.50 6.50
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8
Income available to Common excluding Extraordinary Items 130.0 74.8 55.1 31.5 30.5 21.0 20.3 15.6 25.9 27.8
Shares used to calculate Basic EPS - Total mn 2,493.7 2,448.5 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 52.13 30.70 22.52 12.88 12.42 8.55 7.80 6.32 10.60 11.35
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 52.13 30.56 22.52 12.87 12.45 8.56 8.30 6.37 10.60 11.35
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 51.88 30.44 20.07 18.62 11.71 8.90 8.73 9.59 10.89 11.71
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8
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 2,493.7 2,448.5 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 52.13 30.70 22.52 12.88 12.42 8.55 7.80 6.32 10.60 11.35
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 52.13 30.56 22.52 12.87 12.45 8.56 8.30 6.37 10.60 11.35
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 51.88 30.44 20.07 18.62 11.71 8.90 8.73 9.59 10.89 11.71
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.14 0.00 0.01 (0.03) (0.01) (0.50) (0.05) 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 96.11 44.10 41.79 9.71 18.75 9.98 14.46 4.24 10.54 —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8
Diluted Income available to Common excluding Extraordinary Items 130.0 74.8 55.1 31.5 30.5 21.0 20.3 15.6 25.9 27.8
Shares used to calculate Diluted EPS - Total mn 2,493.7 2,448.5 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 52.13 30.70 22.52 12.88 12.42 8.55 7.80 6.32 10.60 11.35
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 52.13 30.56 22.52 12.87 12.45 8.56 8.30 6.37 10.60 11.35
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 51.88 30.44 20.07 18.62 11.71 8.90 8.73 9.59 10.89 11.71
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8
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 2,493.7 2,448.5 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4 2,448.4
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 52.13 30.70 22.52 12.88 12.42 8.55 7.80 6.32 10.60 11.35
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 52.13 30.56 22.52 12.87 12.45 8.56 8.30 6.37 10.60 11.35
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 51.88 30.44 20.07 18.62 11.71 8.90 8.73 9.59 10.89 11.71
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.14 0.00 0.01 (0.03) (0.01) (0.50) (0.05) 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 96.11 44.10 41.79 9.71 18.75 9.98 14.46 4.24 10.54 —
DPS - Common - Gross - Issue - By Announcement Date Rs 27.00 22.00 21.00 9.50 10.75 3.25 5.50 6.00 6.50 6.50
DPS - Common - Net - Issue - By Announcement Date Rs 24.30 19.80 18.90 8.55 9.68 2.93 4.95 5.40 5.85 5.85
Earnings before Interest & Taxes (EBIT) 289.4 143.6 105.1 83.0 50.0 34.4 35.9 32.7 41.1 47.0
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 309.5 153.0 113.0 89.7 55.8 39.9 41.6 35.7 43.9 49.3
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 311.9 154.9 114.6 91.0 56.9 41.1 43.0 39.0 46.8 53.7
Depreciation & Amortization - Supplemental 20.1 9.4 7.9 6.8 5.9 5.4 5.6 3.0 2.8 2.3
Depreciation Expense - Total - Supplemental 14.2 8.4 6.9 5.9 5.0 4.6 4.9 2.4 2.3 1.9
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 4.5 2.5 2.3 2.1 2.0 1.7 2.1 0.0 — —
Amortization - Total - Supplemental 5.9 1.0 1.1 0.9 0.9 0.9 0.7 0.6 0.4 0.4
Intangible Amortization - Other - Supplemental 5.9 1.0 1.1 0.9 0.9 0.9 0.7 0.6 0.4 0.4
Depreciation, Depletion & Amortization - Total 20.1 9.4 7.9 6.8 5.9 5.4 5.6 3.0 2.8 2.3
Depreciation - Total 14.2 8.4 6.9 5.9 5.0 4.6 4.9 2.4 2.3 1.9
Amortization of Intangible Assets excluding Goodwill - Total 5.9 1.0 1.1 0.9 0.9 0.9 0.7 0.6 0.4 0.4
Labor & Related Expenses - Total 57.0 42.2 29.2 23.1 20.0 18.6 17.5 15.4 16.8 15.4
Labor & Related Expenses - Supplemental 57.0 42.2 29.2 23.1 20.0 18.6 17.5 15.4 16.8 15.4
Auditor Fees 0.2 0.2 0.2 0.2 0.2 0.1 0.1 0.1 0.1 0.1
Audit-Related Fees 0.2 0.0 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Tax Fees — — — 0.0 0.0 0.0 0.0 0.0 — —
Fees - Other 0.0 0.1 0.1 0.0 0.1 0.0 0.0 0.0 0.0 0.0
Normalized after Tax Profit 129.4 74.6 50.5 46.1 28.9 21.6 21.3 23.1 26.7 28.9
Normalized Net Income from Continuing Operations 129.4 74.6 50.5 46.1 28.9 21.6 21.3 23.1 26.7 28.9
Normalized Net Income - Bottom Line 129.4 74.5 49.1 45.6 28.7 21.8 21.4 23.5 26.7 28.7
Earnings before Interest & Taxes (EBIT) - Normalized 290.5 144.8 104.6 82.5 50.4 35.2 36.8 33.4 41.6 48.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 310.6 154.1 112.5 89.3 56.2 40.6 42.4 36.4 44.4 50.4
Loan Losses - Net 48.7 0.2 0.1 2.6 3.1 5.3 2.8 2.1 2.5 0.6
Loan Recoveries - Actual 0.6 0.4 0.5 0.6 0.6 0.0 0.0 0.0 4.6 5.2
Loan Losses - Actual 49.3 0.6 0.6 3.2 3.7 5.3 2.8 2.1 7.1 5.8
Interest Expense on Financial Lease Liabilities - Supplemental 3.7 1.5 1.2 1.1 1.0 0.9 1.1 0.0 — —
Rental/Operating Lease Expense 2.4 1.9 1.6 1.2 1.1 1.2 1.4 3.3 2.9 4.4
Advertising Expenses - Supplemental 9.4 4.4 1.2 1.0 0.8 0.6 0.8 0.8 1.1 0.8
Interest Expense 823.3 911.1 386.2 150.1 78.0 79.0 93.9 58.9 52.5 42.9
Interest & Dividend Income after Loan Loss Provision - Net - Finance 368.6 164.4 155.8 112.7 75.6 62.2 60.0 49.0 57.6 60.4
Commissions & Fees from Securities Activities 3.8 2.4 1.6 1.0 0.8 0.7 0.8 1.0 — —
Revenue after Loan Provisions - Net - Finance 1,191.9 1,075.5 542.0 262.7 153.6 141.2 153.9 107.8 110.1 103.3
Operating Expenses 122.8 104.8 60.9 50.7 46.3 59.0 47.2 49.3 39.7 35.2
Foreign Exchange Gain/(Loss) 18.0 12.6 12.7 8.6 4.2 3.9 4.7 3.7 2.2 2.0
Selling, General & Administrative Expenses excluding Research & Development Expenses 126.0 91.1 65.9 53.4 45.4 41.9 42.2 38.0 38.2 34.8
Investment Gain/(Loss) 12.0 47.2 (10.0) 2.1 5.0 1.5 1.3 5.6 1.7 2.3
Non-Interest Expense - Bank 125.7 92.5 60.6 68.6 43.4 43.2 42.9 45.7 37.7 34.3
Income before Taxes & Provision for Loan Losses 286.4 155.9 105.4 65.1 52.8 50.2 40.2 36.2 43.1 47.9
DPS - Common - Gross - Issue - By Payable Date Rs 27.00 22.00 21.00 9.50 10.75 3.25 5.50 6.00 6.50 6.50
DPS - Common - Gross - Issue - By Ex Date Rs 27.00 22.00 21.00 9.50 10.75 3.25 5.50 6.00 6.50 6.50
Tax Adjusted Operating Income 130.0 75.2 55.1 31.5 30.4 20.9 19.1 15.5 25.9 27.8
Operating Expenses excluding Non-Cash Charges - Total 102.7 95.4 53.0 43.9 40.4 53.5 41.5 46.3 36.9 32.9
Revenue Net of Interest Expense Before Loan Loss Provision 412.1 248.5 166.0 133.6 96.3 93.4 83.1 81.9 80.8 82.2
Income from Earning Assets 1,214.8 1,144.4 537.9 268.5 162.0 161.4 163.3 126.1 114.5 106.0
Income Available to Common Shares before Depreciation & Amortization 150.1 84.5 63.1 38.3 36.3 26.4 24.7 18.5 28.7 30.1
Commissions and Fees 21.2 13.9 14.4 14.0 12.3 10.9 13.7 14.6 14.0 13.4
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 27.00 22.00 21.00 9.50 10.75 3.25 5.50 6.00 6.50 6.50

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.