BOM:526650 Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	2,300	2,080	1,963	1,980	2,486	2,483
Total Interest Expense	900.27	970.47	971.32	876.69	1,177	1,285
Net Interest Income	1,400	1,109	992.02	1,103	1,309	1,198
Commissions and Fees	146.56	142.91	161.47	157.09	14.59	73.05
Gain (Loss) on Sale of Investments	49.46	49.46	64.87	7.98	-32.88	1.53
Other Revenue	157.03	258.82	185.68	145.04	16.5	27.47
Revenue Before Loan Losses	1,753	1,560	1,404	1,413	1,307	1,300
Provision for Loan Losses	-	50	40	81.1	-	11
Revenue	1,753	1,510	1,364	1,332	1,307	1,289
Revenue Growth (YoY)	20.74%	10.72%	2.38%	1.92%	1.43%	14.57%
Salaries & Employee Benefits	155.15	141.03	126.96	115.89	151.81	173.31
Cost of Services Provided	19.93	19.93	15.38	16.86	14.24	14.69
Other Operating Expenses	97.55	99.4	40	90.47	47.49	91.12
Total Operating Expenses	278.22	268.68	193.67	239.84	228.2	290.61
Operating Income	1,475	1,242	1,170	1,092	1,079	998.19
EBT Excluding Unusual Items	1,444	1,210	1,139	1,092	1,079	998.19
Pretax Income	1,514	1,280	1,139	1,094	1,079	998.19
Income Tax Expense	297.3	242.09	227.65	214.2	225.81	191.06
Net Income	1,216	1,038	911.08	879.5	853.19	807.13
Net Income to Common	1,216	1,038	911.08	879.5	853.19	807.13
Net Income Growth	29.39%	13.94%	3.59%	3.08%	5.71%	-0.37%
Shares Outstanding (Basic)	462	463	452	452	426	404
Shares Outstanding (Diluted)	462	463	452	452	426	404
Shares Change (YoY)	0.46%	2.46%	-	5.99%	5.64%	-
EPS (Basic)	2.63	2.24	2.02	1.95	2.00	2.00
EPS (Diluted)	2.63	2.24	2.02	1.95	2.00	2.00
EPS Growth	28.80%	11.21%	3.60%	-2.76%	0.07%	-0.37%
Free Cash Flow	-	696.92	-70.62	-1,369	1,369	-1,715
Free Cash Flow Per Share	-	1.50	-0.16	-3.03	3.21	-4.25
Dividend Per Share	-	0.600	0.500	0.480	0.240	0.160
Dividend Growth	-	20.00%	4.17%	100.00%	50.00%	-
Operating Margin	84.13%	82.21%	85.80%	82.00%	82.54%	77.45%
Profit Margin	69.38%	68.74%	66.79%	66.01%	65.27%	62.63%
Free Cash Flow Margin	-	46.15%	-5.18%	-102.73%	104.75%	-133.08%
Effective Tax Rate	19.64%	18.91%	19.99%	19.59%	20.93%	19.14%
Revenue as Reported	2,723	2,601	2,420	2,317	2,543	2,585

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.