UBL United Bank Limited
Latest results: FY2025 · Dec 2025 Q3 FY2026 · Jul – Sep 2026
Last close · 16 Oct 2026
Rs 412.53 +0.45%
Quarterly · Q4 FY2021 – Q3 FY2026
United Bank Limited (UBL) quarterly income statement
United Bank Limited reported total income of Rs 117.4 bn for Q3 FY2026 (Jul – Sep 2026), up 13.9% on Q3 FY2025. Net interest income was Rs 93.4 bn, up 1.2% on Q3 FY2025, with non-interest income of Rs 24.0 bn. Tax of Rs 33.1 bn took 51.9% of pre-tax profit. Profit attributable to shareholders was Rs 30.6 bn, down 13.3% on Q3 FY2025, or Rs 12.24 per share.
| Rs bn | TTM to Sep 2026 | Q3 FY2026 Jul – Sep 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 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 1,345.2 | 355.3 | 341.9 | 323.7 | 324.3 | 297.5 | 303.5 | 261.8 | 259.3 | 311.0 | 281.9 | 243.5 | 188.8 | 151.3 | 103.7 | 93.0 | 77.2 | 75.6 | 56.7 | 49.9 | 41.0 |
| Interest expense | (966.7) | (261.9) | (251.2) | (224.1) | (229.5) | (205.3) | (211.8) | (176.7) | (190.5) | (259.1) | (252.4) | (214.9) | (151.2) | (111.6) | (65.9) | (57.6) | (44.7) | (46.5) | (31.9) | (27.0) | (21.4) |
| Net interest income | 378.5 | 93.4 | 90.7 | 99.6 | 94.8 | 92.3 | 91.7 | 85.1 | 68.8 | 51.9 | 29.6 | 28.6 | 37.6 | 39.8 | 37.8 | 35.4 | 32.4 | 29.1 | 24.8 | 22.9 | 19.6 |
| Fee & commission income (net) | 23.8 | 8.9 | 4.8 | 5.4 | 4.8 | 4.8 | 6.2 | 5.4 | 1.3 | 4.7 | 3.9 | 4.5 | 3.4 | 3.4 | 3.8 | 3.8 | 3.7 | 3.5 | 3.4 | 3.5 | 3.4 |
| Foreign exchange income | 26.7 | 8.8 | 8.6 | 4.2 | 5.1 | 5.0 | 4.2 | 3.7 | 2.7 | 3.4 | 3.8 | 2.7 | 3.3 | 2.3 | 2.6 | 4.4 | 0.8 | 3.0 | 3.4 | 1.3 | 1.5 |
| Gain / (loss) on securities | — | — | 8.8 | 32.6 | 0.6 | 1.0 | 2.2 | 5.8 | 18.7 | 5.8 | 9.1 | 11.9 | 1.2 | (7.8) | (0.9) | (0.6) | (0.2) | 0.1 | 0.2 | 0.4 | 0.5 |
| Total non-interest income | 99.9 | 24.0 | 23.0 | 41.7 | 11.2 | 10.8 | 12.6 | 13.6 | 24.0 | 13.8 | 16.8 | 19.1 | 7.9 | (2.0) | 5.4 | 7.6 | 4.3 | 6.9 | 7.8 | 5.4 | 5.4 |
| Total income | 478.3 | 117.4 | 113.7 | 141.2 | 106.0 | 103.1 | 104.3 | 98.7 | 92.8 | 65.7 | 46.4 | 47.7 | 45.4 | 37.8 | 43.2 | 43.0 | 36.8 | 36.0 | 32.6 | 28.3 | 25.1 |
| Operating expenses | (172.9) | (53.7) | (40.7) | (37.7) | (40.8) | (28.9) | (30.8) | (22.2) | (49.8) | (22.9) | (18.0) | (16.5) | (15.4) | (16.5) | (9.8) | (19.2) | (14.8) | (13.0) | (11.1) | (11.8) | (13.0) |
| Provisions & impairment (loans) | (2.4) | (0.3) | (3.8) | 1.2 | 0.4 | (0.6) | (1.3) | (3.1) | 12.3 | 0.8 | (0.5) | (1.7) | (2.0) | (1.0) | (6.2) | 4.0 | (0.4) | (0.9) | (1.7) | (0.3) | (0.0) |
| Profit before tax | 308.3 | 63.7 | 77.9 | 100.6 | 66.1 | 74.7 | 74.2 | 76.1 | 43.0 | 43.5 | 29.1 | 31.2 | 29.5 | 29.1 | 26.9 | 25.1 | 17.6 | 16.2 | 18.9 | 15.7 | 12.4 |
| Taxation | (161.8) | (33.1) | (40.4) | (52.2) | (36.1) | (39.3) | (45.6) | (40.0) | (16.9) | (24.7) | (13.8) | (15.0) | (15.6) | (14.0) | (13.9) | (10.6) | (4.3) | (9.6) | (16.1) | (6.4) | (4.7) |
| Profit after tax | 146.5 | 30.7 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.7 | 15.3 | 16.1 | 13.9 | 15.0 | 13.1 | 14.5 | 13.3 | 6.6 | 2.8 | 9.4 | 7.8 |
| Profit attributable to shareholders | 146.5 | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 | 14.7 | 12.7 | 14.2 | 13.1 | 6.5 | 2.7 | 9.3 | 8.7 |
| Per share | |||||||||||||||||||||
| EPS – basic (Rs) Rs | 58.49 | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.48 | 6.05 | 6.53 | 5.50 | 6.02 | 5.19 | 5.81 | 5.34 | 2.66 | 1.08 | 3.80 | 3.54 |
| EPS – diluted (Rs) Rs | 58.49 | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.48 | 6.05 | 6.53 | 5.50 | 6.02 | 5.19 | 5.81 | 5.34 | 2.66 | 1.08 | 3.80 | 3.54 |
| Dividend per share (Rs) Rs | 32.00 | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 4.50 | 2.00 | 2.00 | 2.50 | 3.00 |
| Weighted average shares mn | 2,503.6 | 2,503.6 | 2,504.2 | 2,504.2 | 2,504.4 | 2,503.9 | 2,503.6 | 2,461.4 | 2,448.8 | 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 |
| Rs mn | Q3 FY2026 Jul – Sep 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 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | +19.4% | +12.6% | +23.6% | +25.1% | -4.3% | +7.7% | +7.5% | +37.4% | +105.5% | +171.9% | +161.7% | +144.5% | +100.1% | +82.9% | +86.6% | +88.1% | +75.7% | +53.0% | +50.3% | +26.3% |
| Interest expense | +27.6% | +18.6% | +26.8% | +20.4% | -20.8% | -16.1% | -17.8% | +26.0% | +132.3% | +283.2% | +273.0% | +237.8% | +140.0% | +106.5% | +113.7% | +108.9% | +100.9% | +76.7% | +74.8% | +44.8% |
| Net interest income | +1.2% | -1.1% | +17.0% | +37.8% | +77.9% | +210.1% | +197.8% | +83.1% | +30.4% | -21.8% | -19.3% | +15.8% | +36.5% | +52.5% | +54.7% | +65.3% | +46.3% | +30.5% | +28.9% | +10.8% |
| Fee & commission income (net) | +87.9% | -23.6% | -0.6% | +280.6% | +2.1% | +59.1% | +19.6% | -62.8% | +38.1% | +3.4% | +17.9% | -8.7% | -2.5% | +12.7% | +8.6% | +8.7% | +24.6% | +7.3% | +18.0% | +18.9% |
| Foreign exchange income | +75.1% | +106.4% | +14.0% | +89.5% | +46.2% | +11.0% | +35.0% | -19.5% | +48.6% | +43.8% | -38.7% | +302.4% | -23.8% | -22.7% | +230.4% | -45.0% | +119.9% | +360.0% | +156.1% | +87.5% |
| Gain / (loss) on securities | — | +299.7% | +458.7% | -96.7% | -83.2% | -75.8% | -50.9% | +1,479.7% | — | — | — | — | -7,268.7% | -522.1% | -242.7% | -140.5% | -73.2% | -71.6% | -76.2% | — |
| Total non-interest income | +121.5% | +82.6% | +205.3% | -53.4% | -21.6% | -24.9% | -28.5% | +204.5% | — | +211.8% | +151.6% | +81.4% | -129.0% | -30.6% | +40.4% | -20.0% | +50.3% | +70.3% | -0.5% | +57.5% |
| Total income | +13.9% | +9.0% | +43.0% | +14.3% | +56.9% | +125.0% | +107.1% | +104.1% | +73.9% | +7.3% | +10.8% | +23.5% | +4.9% | +32.7% | +52.0% | +46.8% | +47.1% | +38.1% | +22.0% | +18.4% |
| Operating expenses | +85.5% | +32.0% | +70.0% | -18.1% | +26.3% | +71.6% | +34.6% | +222.9% | +38.5% | +84.1% | -14.1% | +4.4% | +27.3% | -12.1% | +62.7% | +13.5% | +14.0% | +3.1% | +6.4% | -1.6% |
| Provisions & impairment (loans) | — | — | — | -97.0% | -177.0% | — | — | — | — | — | -142.0% | — | — | — | — | — | -618.3% | -1,046.4% | -200.1% | -101.1% |
| Profit before tax | -14.7% | +5.0% | +32.1% | +53.7% | +71.7% | +155.5% | +144.2% | +45.9% | +49.4% | +8.0% | +24.2% | +67.0% | +79.7% | +42.7% | +59.5% | +41.8% | +17.6% | +39.9% | +26.1% | +49.2% |
| Taxation | -15.9% | -11.3% | +30.4% | +113.2% | +58.8% | +230.9% | +166.1% | +8.9% | +76.2% | -0.5% | +41.4% | +259.1% | +46.4% | -13.8% | +67.1% | -7.6% | +66.5% | +162.4% | +30.1% | +60.0% |
| Profit after tax | -13.3% | +31.0% | +34.1% | +14.9% | +88.8% | +87.5% | +123.8% | +87.4% | +24.5% | +17.0% | +11.5% | +4.4% | +128.2% | +369.4% | +54.4% | +71.7% | -17.6% | -62.2% | +23.6% | +43.3% |
| Profit attributable to shareholders | -13.3% | +31.0% | +34.1% | +14.9% | +93.0% | +93.1% | +126.0% | +93.4% | +24.3% | +16.5% | +12.3% | +3.1% | +126.2% | +379.1% | +52.9% | +50.8% | -3.6% | -64.1% | +22.4% | +64.4% |
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | -13.3% | +30.9% | +31.8% | +12.3% | +88.7% | +88.9% | +124.8% | +93.4% | +24.3% | +16.5% | +12.3% | +3.1% | +126.2% | +379.1% | +52.9% | +50.8% | -3.6% | -64.6% | +22.4% | +64.4% |
| EPS – diluted (Rs) | -13.3% | +30.9% | +31.8% | +12.3% | +88.7% | +88.9% | +124.8% | +93.4% | +24.3% | +16.5% | +12.3% | +3.1% | +126.2% | +379.1% | +52.9% | +50.8% | -3.6% | -64.6% | +22.4% | +64.4% |
| Dividend per share (Rs) | 0.0% | 0.0% | +45.5% | +45.5% | +45.5% | +45.5% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | +22.2% | +175.0% | +175.0% | +120.0% | +50.0% | 0.0% | 0.0% | +25.0% | -36.8% |
| Weighted average shares | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
| Rs mn | Q3 FY2026 Jul – Sep 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 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 302.6% | 300.7% | 229.2% | 306.0% | 288.5% | 291.0% | 265.2% | 279.6% | 473.3% | 608.2% | 510.9% | 415.4% | 400.6% | 240.0% | 216.3% | 209.9% | 210.0% | 174.1% | 176.2% | 163.9% |
| Interest expense | (223.1%) | (220.9%) | (158.7%) | (216.5%) | (199.0%) | (203.1%) | (179.0%) | (205.4%) | (394.3%) | (544.4%) | (450.9%) | (332.7%) | (295.3%) | (152.5%) | (134.0%) | (121.7%) | (129.1%) | (97.9%) | (95.3%) | (85.5%) |
| Net interest income | 79.5% | 79.8% | 70.5% | 89.5% | 89.5% | 87.9% | 86.2% | 74.2% | 78.9% | 63.8% | 60.0% | 82.7% | 105.3% | 87.5% | 82.4% | 88.2% | 80.9% | 76.2% | 80.9% | 78.3% |
| Fee & commission income (net) | 7.6% | 4.2% | 3.8% | 4.5% | 4.6% | 6.0% | 5.5% | 1.4% | 7.1% | 8.4% | 9.5% | 7.4% | 8.9% | 8.8% | 8.9% | 10.1% | 9.6% | 10.3% | 12.4% | 13.6% |
| Foreign exchange income | 7.5% | 7.6% | 3.0% | 4.8% | 4.9% | 4.0% | 3.7% | 2.9% | 5.2% | 8.1% | 5.7% | 7.4% | 6.1% | 6.1% | 10.3% | 2.3% | 8.4% | 10.4% | 4.7% | 6.0% |
| Gain / (loss) on securities | — | 7.7% | 23.1% | 0.6% | 0.9% | 2.1% | 5.9% | 20.2% | 8.8% | 19.6% | 25.0% | 2.6% | (20.8%) | (2.0%) | (1.5%) | (0.5%) | 0.3% | 0.6% | 1.6% | 1.9% |
| Total non-interest income | 20.5% | 20.2% | 29.5% | 10.5% | 10.5% | 12.1% | 13.8% | 25.8% | 21.1% | 36.2% | 40.0% | 17.3% | (5.3%) | 12.5% | 17.6% | 11.8% | 19.1% | 23.8% | 19.1% | 21.7% |
| 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 | (45.7%) | (35.8%) | (26.7%) | (38.5%) | (28.0%) | (29.6%) | (22.5%) | (53.7%) | (34.8%) | (38.8%) | (34.6%) | (34.0%) | (43.8%) | (22.6%) | (44.6%) | (40.2%) | (36.1%) | (34.1%) | (41.7%) | (52.0%) |
| Provisions & impairment (loans) | (0.2%) | (3.3%) | 0.9% | 0.4% | (0.6%) | (1.3%) | (3.2%) | 13.3% | 1.2% | (1.2%) | (3.5%) | (4.4%) | (2.6%) | (14.5%) | 9.3% | (1.0%) | (2.6%) | (5.3%) | (1.2%) | (0.1%) |
| Profit before tax | 54.3% | 68.5% | 71.2% | 62.3% | 72.4% | 71.2% | 77.1% | 46.4% | 66.2% | 62.7% | 65.4% | 64.9% | 77.0% | 62.3% | 58.4% | 48.0% | 45.0% | 57.9% | 55.6% | 49.7% |
| Taxation | (28.2%) | (35.6%) | (36.9%) | (34.1%) | (38.1%) | (43.7%) | (40.5%) | (18.3%) | (37.7%) | (29.7%) | (31.6%) | (34.3%) | (37.2%) | (32.1%) | (24.7%) | (11.8%) | (26.7%) | (49.4%) | (22.5%) | (18.7%) |
| Profit after tax | 26.1% | 33.0% | 34.3% | 28.2% | 34.3% | 27.4% | 36.6% | 28.1% | 28.5% | 32.9% | 33.9% | 30.6% | 39.8% | 30.2% | 33.6% | 36.2% | 18.3% | 8.5% | 33.1% | 31.0% |
| Profit attributable to shareholders | 26.1% | 33.0% | 34.3% | 28.2% | 34.3% | 27.4% | 36.6% | 28.1% | 27.9% | 32.0% | 33.5% | 29.6% | 39.0% | 29.4% | 33.1% | 35.5% | 18.1% | 8.2% | 32.9% | 34.6% |
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 17 Oct 2026.
All reported line items 160
| Rs bn | Q3 FY2026 Jul – Sep 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 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 93.4 | 90.7 | 99.6 | 94.8 | 92.3 | 91.7 | 85.1 | 68.8 | 51.9 | 29.6 | 28.6 | 37.6 |
| Interest & Dividend Income - Finance - Total | 355.3 | 341.9 | 323.7 | 324.3 | 297.5 | 303.5 | 261.8 | 259.3 | 311.0 | 281.9 | 243.5 | 188.8 |
| Interest Income - Loans/Deposits | — | 41.5 | 35.9 | 36.8 | 33.5 | 34.0 | 31.6 | 38.4 | 19.9 | 33.8 | 31.2 | 32.4 |
| Interest & Fees on Loans & Receivables | — | 38.5 | 33.9 | 33.5 | 29.8 | 30.7 | 27.9 | 36.6 | 17.5 | 30.3 | 28.8 | 30.5 |
| Interest Income - Deposits to Other Financial Institutions | — | 3.0 | 2.0 | 3.3 | 3.8 | 3.4 | 3.7 | 1.8 | 2.4 | 3.5 | 2.4 | 1.8 |
| Interest & Dividend Income - Other - Finance | 355.3 | 0.4 | 0.1 | 0.7 | 0.3 | 0.5 | 0.9 | 0.6 | 9.7 | 0.4 | 0.5 | 0.5 |
| Interest & Dividend Income - Investment Securities - Finance | — | 300.0 | 287.6 | 286.8 | 263.7 | 269.0 | 229.4 | 220.3 | 281.5 | 247.7 | 211.8 | 155.9 |
| Net Commission & Fees Income/Expense - Business Revenue | 8.9 | 4.8 | 5.4 | 4.8 | 4.8 | 6.2 | 5.4 | 1.3 | 4.7 | 3.9 | 4.5 | 3.4 |
| Fees & Commissions Income | 8.9 | 8.4 | 9.0 | 7.8 | 7.8 | 9.0 | 7.5 | 4.0 | 6.5 | 5.6 | 6.0 | 5.2 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | — | 300.0 | 287.6 | 286.8 | 263.7 | 269.0 | 229.4 | 220.3 | 281.5 | 247.7 | 211.8 | 155.9 |
| Fees & Commissions Expense | — | 3.6 | 3.6 | 3.0 | 3.1 | 2.8 | 2.1 | 2.7 | 1.8 | 1.7 | 1.5 | 1.8 |
| Investments & Loans - Business - Gain/(Loss) | 6.3 | 9.6 | 32.1 | 1.3 | 1.1 | 2.2 | 4.6 | 20.0 | 5.7 | 9.1 | 11.9 | 1.1 |
| Interest Expense - Finance - Total | 261.9 | 251.2 | 224.1 | 229.5 | 205.3 | 211.8 | 176.7 | 190.5 | 259.1 | 252.4 | 214.9 | 151.2 |
| Interest Expense - Operational Financing - Business | 261.9 | 64.7 | 58.5 | 55.8 | 51.9 | 38.6 | 32.8 | 39.3 | 57.5 | 61.0 | 54.4 | 55.3 |
| Interest Expense - Deposits | — | 63.2 | 57.2 | 55.2 | 51.2 | 38.0 | 32.3 | 38.7 | 50.3 | 59.8 | 53.6 | 54.5 |
| Investment Securities - Business - Gain/(Loss) | — | 8.8 | 32.6 | 0.6 | 1.0 | 2.2 | 5.8 | 18.7 | 5.8 | 9.1 | 11.9 | 1.2 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | — | 8.8 | 32.6 | 0.6 | 1.0 | 2.2 | 5.8 | 18.7 | 5.7 | 5.2 | 12.8 | 1.3 |
| Interest Expenses - Other - Total | — | 1.4 | 1.3 | 0.6 | 0.7 | 0.5 | 0.5 | 0.6 | 7.2 | 1.1 | 0.9 | 0.8 |
| Interest Expense - External Financing Business | — | 186.6 | 165.6 | 173.7 | 153.3 | 173.3 | 144.0 | 151.2 | 201.7 | 191.4 | 160.5 | 95.9 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 24.0 | 23.0 | 41.7 | 11.2 | 10.8 | 12.6 | 13.6 | 24.0 | 13.8 | 16.8 | 19.1 | 7.9 |
| Derivatives - Hedging - Business - Gain/(Loss) | 0.7 | 0.9 | (0.5) | 0.6 | 0.1 | 0.0 | (1.3) | 1.3 | (0.1) | 0.0 | (0.0) | (0.0) |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 8.8 | 8.6 | 4.2 | 5.1 | 5.0 | 4.2 | 3.7 | 2.7 | 3.4 | 3.8 | 2.7 | 3.3 |
| Gain/(Loss) on Sale of Financial Instruments - Other | 5.5 | — | — | — | — | — | — | — | — | — | — | — |
| Trading Investments/Trading Account Income - Gain/(Loss) | — | — | — | — | — | — | — | — | — | — | — | (0.1) |
| Trading Investments - Unrealized Gain/(Loss) | — | — | — | — | — | — | — | — | — | — | — | (0.1) |
| Investment Securities - Business Unclassified - Gain/(Loss) | — | — | — | — | — | — | — | — | 0.0 | — | — | — |
| Investment Gain/(Loss) - Other | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3.8 | (0.9) | — |
| Settlement of Loans - Gain/(Loss) | — | 0.0 | (0.0) | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | (0.0) | 0.0 | 0.0 | 0.0 |
| Revenue from Business Activities - Total | 117.4 | 113.7 | 141.2 | 106.0 | 103.1 | 104.3 | 98.7 | 92.8 | 65.7 | 46.4 | 47.7 | 45.4 |
| Selling, General & Administrative Expenses - Total | 1.4 | 44.1 | 36.6 | 40.6 | 28.5 | 32.9 | 24.0 | 35.5 | 21.7 | 18.4 | 17.9 | 18.3 |
| Selling, General & Administrative Expenses - Unclassified | — | 9.8 | 10.9 | 10.1 | 8.2 | 7.9 | 7.4 | 11.6 | 9.1 | 6.2 | 5.7 | 6.8 |
| Depreciation in Selling, General & Administrative Expenses | — | 5.3 | 4.8 | 4.4 | 3.8 | 3.3 | 2.7 | 2.5 | 2.1 | 2.0 | 1.9 | 1.9 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | — | 3.3 | 0.3 | 5.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | 0.3 |
| Equipment/Occupancy Expense - Bank/Financial - Other | — | 1.1 | 0.8 | 1.6 | 0.3 | 0.9 | 0.8 | 1.8 | 0.6 | 0.5 | 0.4 | 1.1 |
| Other Operating Expense/(Income) - Net | 52.5 | 0.4 | (0.1) | (0.1) | 1.0 | (0.7) | 1.3 | 2.0 | 0.4 | 0.1 | 0.3 | (0.9) |
| Other Operating Income - Total | 0.2 | 0.1 | 0.2 | 0.3 | 0.1 | 0.2 | 0.1 | 0.2 | 0.2 | 0.4 | 0.3 | 1.0 |
| Operating Expenses - Total | 53.7 | 40.7 | 37.7 | 40.8 | 28.9 | 30.8 | 22.2 | 49.8 | 22.9 | 18.0 | 16.5 | 15.4 |
| Provision & Impairment for Loan Losses | (0.3) | (3.8) | 1.2 | 0.4 | (0.6) | (1.3) | (3.1) | 12.3 | 0.8 | (0.5) | (1.7) | (2.0) |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 1.4 | 20.3 | 16.1 | 16.3 | 14.1 | 15.0 | 11.5 | 15.7 | 8.7 | 8.6 | 9.0 | 7.3 |
| Selling, General & Administrative Expenses - Other - Total | — | 5.4 | 4.6 | 4.8 | 2.1 | 6.3 | 2.2 | 5.4 | 1.6 | 1.4 | 1.0 | 2.0 |
| Advertising Expense | — | 3.6 | 2.8 | 2.7 | 1.2 | 4.6 | 0.9 | 2.9 | 0.6 | 0.6 | 0.3 | 0.6 |
| Rental Expense | — | 0.7 | 0.9 | 0.5 | 0.6 | 0.7 | 0.5 | 0.7 | 0.4 | 0.3 | 0.4 | 0.4 |
| Operating Profit before Non-Recurring Income/(Expense) | 63.7 | 73.0 | 103.5 | 65.2 | 74.2 | 73.5 | 76.5 | 42.9 | 42.8 | 28.4 | 31.2 | 30.0 |
| Other Operating Expense | 52.8 | 0.6 | 0.4 | 0.1 | 1.0 | 0.3 | 0.5 | 0.2 | 0.5 | 0.4 | 0.5 | 0.2 |
| Operating Provisions - Increase/(Decrease) | — | (0.1) | (0.4) | 0.1 | 0.2 | (0.7) | 0.9 | 1.9 | 0.1 | 0.1 | 0.0 | (0.1) |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | — | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 |
| Equity Earnings/(Loss) - before Taxes including Non-Recurring | (0.0) | 1.9 | (2.0) | 0.2 | 0.2 | 0.4 | 0.2 | 0.2 | 0.4 | 0.3 | (0.0) | (0.2) |
| Normalized Pre-tax Profit | 63.7 | 74.9 | 101.5 | 65.4 | 74.4 | 73.9 | 76.8 | 43.2 | 43.3 | 28.8 | 31.1 | 29.9 |
| Non-Recurring Income/Expense - Total | — | 3.0 | (0.9) | 0.6 | 0.3 | 0.3 | (0.6) | (0.2) | 0.2 | 0.3 | 0.0 | (0.5) |
| Impairment - Tangible & Intangible Fixed Assets | — | 0.2 | — | — | — | — | — | — | — | — | — | — |
| Impairment - Fixed Assets | — | 0.2 | — | — | — | — | — | — | — | — | — | — |
| Impairment - Financial Investments | — | (0.0) | (1.3) | (0.4) | (0.4) | (0.2) | 0.6 | 0.0 | (0.0) | (0.2) | (0.1) | 0.5 |
| Fair Value Adjustments - Financial Investments | — | 3.2 | (2.2) | 0.2 | (0.1) | 0.1 | (0.0) | (0.2) | 0.1 | 0.1 | (0.0) | — |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | — | — | — | — | — | — | — | 0.0 |
| Provision for Income Tax Expense- Unclassified | 33.1 | — | — | — | — | — | — | — | 0.3 | (0.3) | — | — |
| Income before Taxes | 63.7 | 77.9 | 100.6 | 66.1 | 74.7 | 74.2 | 76.1 | 43.0 | 43.5 | 29.1 | 31.2 | 29.5 |
| Income Taxes | 33.1 | 40.4 | 52.2 | 36.1 | 39.3 | 45.6 | 40.0 | 16.9 | 24.7 | 13.8 | 15.0 | 15.6 |
| Income Taxes for the Year - Current | — | 41.1 | 50.4 | 29.4 | 41.5 | 41.5 | 9.0 | 30.3 | 25.8 | 14.3 | 15.6 | 14.8 |
| Income Taxes - Deferred | — | (0.7) | 1.8 | 6.7 | (2.8) | (1.9) | 31.1 | (2.0) | (1.4) | (0.3) | (0.6) | (1.2) |
| Income Taxes - Other (by Type) | — | — | — | 0.0 | 0.7 | 6.1 | — | (11.4) | 0.0 | — | — | 2.0 |
| Net Income after Tax | 30.7 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.7 | 15.3 | 16.1 | 13.9 |
| After-Tax Adjustments - Other - Income/(Expense) - Total | — | — | — | — | — | — | — | — | (0.0) | — | — | — |
| Income before Discontinued Operations & Extraordinary Items | 30.7 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.7 | 15.3 | 16.1 | 13.9 |
| Net Income before Minority Interest | 30.7 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 15.3 | 16.1 | 13.9 |
| Minority Interest | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | 0.2 | 0.4 |
| Net Income after Minority Interest | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 |
| Income Available to Common Shares | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 |
| Extraordinary Activities - after Tax - Gain/(Loss) | — | — | — | 0.0 | — | — | — | 0.0 | (0.4) | — | — | 0.0 |
| Discontinued Operations - Net of Taxes - Total - Income/(Expense) | — | — | — | 0.0 | — | — | — | 0.0 | (0.4) | — | — | 0.0 |
| Other Comprehensive Income - Starting Line | — | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 15.3 | 16.1 | 13.9 |
| Discontinued Operations - Net - Income/(Expense) | — | — | — | 0.0 | — | — | — | 0.0 | (0.4) | — | — | 0.0 |
| Other Comprehensive Income - Foreign Currency | — | (0.7) | (0.5) | (0.6) | (1.1) | 1.5 | 0.7 | 0.3 | (9.0) | 0.2 | (1.8) | (1.2) |
| Other Comprehensive Income - Unrealized Investment Gain/(Loss) | — | 65.9 | (113.3) | 45.5 | 4.4 | 64.5 | (3.1) | (9.5) | 50.3 | 8.9 | (6.7) | 34.2 |
| Other Comprehensive Income - Hedging Gain/(Loss) | — | (1.3) | — | — | — | — | — | — | — | — | — | — |
| Other Comprehensive Income - Revaluation of Tangible & Intangible Assets | — | 23.7 | 2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 | (0.0) | 0.0 | (0.2) | 0.3 |
| Other Comprehensive Income - Other | — | — | — | — | — | — | — | 0.0 | — | — | — | 0.0 |
| Other Comprehensive Income - Pension Related | — | — | — | — | — | — | — | — | 0.0 | — | 0.0 | 0.9 |
| Other Comprehensive Income - Net of Tax - Total | — | 87.6 | (111.8) | 44.9 | 3.2 | 66.0 | (2.4) | (8.8) | 41.3 | 9.1 | (8.7) | 34.2 |
| Comprehensive Income before Minority Interest - Total | — | 125.1 | (63.4) | 74.9 | 38.6 | 94.6 | 33.7 | 17.2 | 59.6 | 24.4 | 7.5 | 48.1 |
| Comprehensive Income - Attributable to Minority Interest - Total | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.5 | 0.2 | 1.7 |
| Comprehensive Income - Attributable to Parent Company Equity Holders - Total | — | 125.1 | (63.4) | 74.9 | 38.6 | 94.6 | 33.7 | 17.2 | 59.6 | 23.9 | 7.3 | 46.4 |
| Earnings Adjustments to Net Income - Other Expense/(Income) | — | — | — | — | — | — | — | — | 0.0 | — | — | — |
| DPS - Common - Gross - Issue - By Period End Date Rs | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 |
| Income available to Common excluding Extraordinary Items | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.7 | 14.8 | 16.0 | 13.5 |
| Shares used to calculate Basic EPS - Total mn | 2,503.6 | 2,504.2 | 2,504.2 | 2,504.4 | 2,503.9 | 2,503.6 | 2,461.4 | 2,448.8 | 2,448.4 | 2,448.4 | 2,448.4 | 2,448.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.48 | 6.05 | 6.53 | 5.50 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.65 | 6.05 | 6.53 | 5.50 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 12.24 | 13.76 | 19.70 | 11.69 | 14.00 | 11.30 | 14.93 | 10.73 | 7.58 | 5.93 | 6.51 | 5.69 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 |
| 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× |
| Shares used to calculate Basic EPS - Issue Specific mn | 2,503.6 | 2,504.2 | 2,504.2 | 2,504.4 | 2,503.9 | 2,503.6 | 2,461.4 | 2,448.8 | 2,448.4 | 2,448.4 | 2,448.4 | 2,448.4 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.48 | 6.05 | 6.53 | 5.50 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.65 | 6.05 | 6.53 | 5.50 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 12.24 | 13.76 | 19.70 | 11.69 | 14.00 | 11.30 | 14.93 | 10.73 | 7.58 | 5.93 | 6.51 | 5.69 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | (0.17) | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Basic - Issue Specific Rs | — | 49.96 | (25.30) | 29.89 | 15.41 | 37.80 | 13.69 | 7.03 | 24.36 | 9.75 | 2.96 | 18.96 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 |
| Diluted Income available to Common excluding Extraordinary Items | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.7 | 14.8 | 16.0 | 13.5 |
| Shares used to calculate Diluted EPS - Total mn | 2,503.6 | 2,504.2 | 2,504.2 | 2,504.4 | 2,503.9 | 2,503.6 | 2,461.4 | 2,448.8 | 2,448.4 | 2,448.4 | 2,448.4 | 2,448.4 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.48 | 6.05 | 6.53 | 5.50 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.65 | 6.05 | 6.53 | 5.50 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 12.24 | 13.76 | 19.70 | 11.69 | 14.00 | 11.30 | 14.93 | 10.73 | 7.58 | 5.93 | 6.51 | 5.69 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 |
| 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× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 2,503.6 | 2,504.2 | 2,504.2 | 2,504.4 | 2,503.9 | 2,503.6 | 2,461.4 | 2,448.8 | 2,448.4 | 2,448.4 | 2,448.4 | 2,448.4 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.48 | 6.05 | 6.53 | 5.50 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 12.24 | 14.97 | 19.33 | 11.95 | 14.12 | 11.43 | 14.67 | 10.64 | 7.65 | 6.05 | 6.53 | 5.50 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 12.24 | 13.76 | 19.70 | 11.69 | 14.00 | 11.30 | 14.93 | 10.73 | 7.58 | 5.93 | 6.51 | 5.69 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | (0.17) | 0.00 | 0.00 | 0.00 |
| Comprehensive Earnings Per Share - Diluted - Issue Specific Rs | — | 49.96 | (25.30) | 29.89 | 15.41 | 37.80 | 13.69 | 7.03 | 24.36 | 9.75 | 2.96 | 18.96 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 8.00 | 8.00 | 8.00 | 8.00 | 0.00 | 13.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 7.20 | 7.20 | 7.20 | 7.20 | 0.00 | 12.15 | 4.95 | 4.95 | 4.95 | 4.95 | 4.95 | 4.95 |
| Earnings before Interest & Taxes (EBIT) | 63.7 | 73.0 | 103.5 | 65.2 | 74.2 | 73.5 | 76.5 | 42.9 | 42.8 | 28.4 | 31.2 | 30.0 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 71.9 | 81.7 | 110.0 | 74.7 | 78.3 | 77.1 | 79.5 | 45.7 | 45.1 | 30.6 | 33.3 | 32.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | — | 82.4 | 111.0 | 75.3 | 78.9 | 77.8 | 80.0 | 46.4 | 45.6 | 31.0 | 33.7 | 32.6 |
| Depreciation & Amortization - Supplemental | — | 8.6 | 5.1 | 9.4 | 4.1 | 3.6 | 3.0 | 2.7 | 2.3 | 2.2 | 2.1 | 2.2 |
| Depreciation Expense - Total - Supplemental | — | 5.3 | 4.8 | 4.4 | 3.8 | 3.3 | 2.7 | 2.5 | 2.1 | 2.0 | 1.9 | 1.9 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | — | 1.8 | 1.5 | 1.3 | 1.3 | 1.1 | 0.8 | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 |
| Amortization - Total - Supplemental | — | 3.3 | 0.3 | 5.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | 0.3 |
| Intangible Amortization - Other - Supplemental | — | 3.3 | 0.3 | 5.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | 0.3 |
| Depreciation, Depletion & Amortization - Total | 8.2 | 8.7 | 6.5 | 9.6 | 4.1 | 3.6 | 3.0 | 2.7 | 2.3 | 2.2 | 2.1 | 2.2 |
| Depreciation - Total | 6.3 | 5.4 | 4.8 | 4.5 | 3.8 | 3.3 | 2.7 | 2.5 | 2.1 | 2.0 | 1.9 | 1.9 |
| Amortization of Intangible Assets excluding Goodwill - Total | 1.8 | 3.3 | 1.8 | 5.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | 0.3 |
| Labor & Related Expenses - Total | — | 20.3 | 16.1 | 16.3 | 14.1 | 15.0 | 11.5 | 15.7 | 8.7 | 8.6 | 9.0 | 7.3 |
| Labor & Related Expenses - Supplemental | — | 20.3 | 16.1 | 16.3 | 14.1 | 15.0 | 11.5 | 15.7 | 8.7 | 8.6 | 9.0 | 7.3 |
| Auditor Fees | — | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | — | 0.1 | 0.1 | 0.0 |
| Audit-Related Fees | — | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | — | — | 0.1 | 0.1 | — |
| Fees - Other | — | — | — | 0.0 | — | — | — | — | — | — | — | 0.0 |
| Normalized after Tax Profit | 30.7 | 34.5 | 49.3 | 29.3 | 35.1 | 28.3 | 36.8 | 26.3 | 18.6 | 15.0 | 16.1 | 14.4 |
| Normalized Net Income from Continuing Operations | 30.7 | 34.5 | 49.3 | 29.3 | 35.1 | 28.3 | 36.8 | 26.3 | 18.6 | 15.0 | 16.1 | 14.4 |
| Normalized Net Income - Bottom Line | 30.6 | 34.4 | 49.3 | 29.3 | 35.1 | 28.3 | 36.7 | 26.3 | 18.6 | 14.5 | 15.9 | 13.9 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 63.7 | 74.9 | 101.5 | 65.4 | 74.4 | 73.9 | 76.8 | 43.2 | 43.3 | 28.8 | 31.1 | 29.9 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 71.9 | 83.6 | 108.1 | 75.0 | 78.4 | 77.5 | 79.7 | 46.0 | 45.6 | 31.0 | 33.2 | 32.1 |
| Loan Losses - Net | — | (0.1) | (0.3) | 0.0 | (0.2) | (0.3) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.2) |
| Loan Recoveries - Actual | — | 0.1 | 0.4 | 0.0 | 0.2 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 |
| Loan Losses - Actual | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Interest Expense on Financial Lease Liabilities - Supplemental | — | 1.7 | 1.4 | 1.2 | 1.0 | 0.9 | 0.6 | 0.4 | 0.4 | 0.4 | 0.3 | 0.3 |
| Rental/Operating Lease Expense | — | 0.7 | 0.9 | 0.5 | 0.6 | 0.7 | 0.5 | 0.7 | 0.4 | 0.3 | 0.4 | 0.4 |
| Advertising Expenses - Supplemental | — | 3.6 | 2.8 | 2.7 | 1.2 | 4.6 | 0.9 | 2.9 | 0.6 | 0.6 | 0.3 | 0.6 |
| Interest Expense | 261.9 | 251.2 | 224.1 | 229.5 | 205.3 | 211.8 | 176.7 | 190.5 | 259.1 | 252.4 | 214.9 | 151.2 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 93.6 | 94.5 | 98.3 | 94.5 | 92.9 | 93.0 | 88.2 | 56.5 | 51.1 | 30.1 | 30.3 | 39.6 |
| Commissions & Fees from Securities Activities | — | 1.0 | 1.0 | 1.0 | 1.0 | 0.9 | 1.0 | 0.8 | 0.6 | 0.5 | 0.5 | 0.5 |
| Revenue after Loan Provisions - Net - Finance | 355.5 | 345.7 | 322.4 | 323.9 | 298.1 | 304.9 | 265.0 | 247.0 | 310.2 | 282.5 | 245.2 | 190.8 |
| Operating Expenses | 53.7 | 40.7 | 37.7 | 40.8 | 28.9 | 30.8 | 22.2 | 49.8 | 22.9 | 18.0 | 16.5 | 15.4 |
| Foreign Exchange Gain/(Loss) | 8.8 | 8.6 | 4.2 | 5.1 | 5.0 | 4.2 | 3.7 | 2.7 | 3.4 | 3.8 | 2.7 | 3.3 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 1.4 | 44.1 | 36.6 | 40.6 | 28.5 | 32.9 | 24.0 | 35.5 | 21.7 | 18.4 | 17.9 | 18.3 |
| Investment Gain/(Loss) | 0.1 | 9.2 | 32.8 | 1.3 | 1.3 | 2.7 | 6.7 | 19.4 | 6.1 | 9.5 | 12.4 | 1.7 |
| Non-Interest Expense - Bank | 53.9 | 39.6 | 39.4 | 39.5 | 29.1 | 31.4 | 25.7 | 37.4 | 21.4 | 17.8 | 18.2 | 18.0 |
| Income before Taxes & Provision for Loan Losses | 63.5 | 74.1 | 101.8 | 66.4 | 74.0 | 72.9 | 73.0 | 55.3 | 44.3 | 28.5 | 29.5 | 27.5 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
| Tax Adjusted Operating Income | 30.6 | 37.5 | 48.4 | 29.9 | 35.4 | 28.6 | 36.1 | 26.0 | 18.3 | 14.8 | 16.0 | 13.5 |
| Operating Expenses excluding Non-Cash Charges - Total | 45.5 | 32.0 | 31.2 | 31.3 | 24.9 | 27.2 | 19.2 | 47.1 | 20.6 | 15.7 | 14.4 | 13.2 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 117.4 | 113.7 | 141.2 | 106.0 | 103.1 | 104.3 | 98.7 | 92.8 | 65.7 | 46.4 | 47.7 | 45.4 |
| Income from Earning Assets | 364.1 | 359.3 | 360.5 | 330.0 | 303.5 | 309.9 | 271.3 | 280.8 | 320.2 | 294.8 | 258.1 | 193.2 |
| Income Available to Common Shares before Depreciation & Amortization | 38.8 | 46.2 | 54.9 | 39.5 | 39.4 | 32.2 | 39.1 | 28.8 | 20.6 | 17.0 | 18.1 | 15.7 |
| Commissions and Fees | 8.9 | 4.8 | 5.4 | 4.8 | 4.8 | 6.2 | 5.4 | 1.3 | 4.7 | 3.9 | 4.5 | 3.4 |
| 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× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 8.00 | 8.00 | 8.00 | 8.00 | 0.00 | 13.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.