BOM:532922 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	27,704	27,794	28,633	29,778	30,711	41,313
Total Interest Expense	24,805	25,370	27,865	25,746	29,841	38,340
Net Interest Income	2,898	2,424	768.37	4,032	870.17	2,973
Brokerage Commission	13,208	11,619	12,270	12,443	14,438	16,239
Gain on Sale of Investments (Rev)	26,112	26,112	21,201	12,327	-	-
Other Revenue	43,370	27,623	32,546	30,052	22,792	35,467
Revenue Before Loan Losses	85,588	67,778	66,785	58,854	38,101	54,679
Provision for Loan Losses	15,822	4,391	7,558	12,180	-31.28	19,453
Revenue	69,766	63,387	59,227	46,674	38,132	35,226
Revenue Growth (YoY)	6.28%	7.02%	26.90%	22.40%	8.25%	209.95%
Salaries & Employee Benefits	14,155	13,182	12,432	10,652	10,643	16,159
Cost of Services Provided	27,169	27,128	28,108	19,684	18,927	17,472
Other Operating Expenses	16,620	14,756	14,360	13,648	10,072	10,945
Total Operating Expenses	59,587	56,659	56,095	45,459	41,109	46,963
Operating Income	10,179	6,728	3,132	1,215	-2,977	-11,736
Other Non-Operating Income (Expenses)	1,873	1,873	1,231	755.55	859.5	922.63
EBT Excluding Unusual Items	12,099	8,601	4,363	3,288	-1,151	-10,820
Asset Writedown	-28.18	-28.18	-2.76	136.5	50.08	-348.69
Gain (Loss) on Sale of Investments	-528.91	-528.91	18.22	-333.97	327.26	-1,146
Pretax Income	10,527	8,016	4,374	3,847	2,274	1,456
Income Tax Expense	3,459	2,658	-906.47	-208.32	153.06	-1,083
Earnings From Continuing Ops.	7,068	5,358	5,280	4,056	2,121	2,539
Minority Interest in Earnings	-1,425	-1,370	-1,073	-613.94	-232.9	114.16
Net Income	5,644	3,988	4,207	3,442	1,888	2,653
Net Income to Common	5,644	3,988	4,207	3,442	1,888	2,653
Net Income Growth	22.00%	-5.20%	22.24%	82.30%	-28.85%	-
Shares Outstanding (Basic)	971	910	899	898	894	890
Shares Outstanding (Diluted)	987	922	901	898	895	894
Shares Change (YoY)	30.32%	2.33%	0.29%	0.40%	0.11%	0.57%
EPS (Basic)	5.81	4.38	4.68	3.83	2.11	2.98
EPS (Diluted)	5.72	4.33	4.68	3.83	2.11	2.97
EPS Growth	-6.58%	-7.57%	22.19%	81.52%	-28.96%	-
Free Cash Flow	-	18,862	28,060	28,088	54,894	33,888
Free Cash Flow Per Share	-	20.46	31.14	31.27	61.35	37.92
Dividend Per Share	-	1.500	1.500	1.500	1.450	1.450
Dividend Growth	-	-	-	3.45%	-	-
Operating Margin	14.59%	10.61%	5.29%	2.60%	-7.81%	-33.32%
Profit Margin	8.09%	6.29%	7.10%	7.37%	4.95%	7.53%
Free Cash Flow Margin	-	29.76%	47.38%	60.18%	143.96%	96.20%
Effective Tax Rate	32.86%	33.16%	-	-	6.73%	-
Revenue as Reported	112,391	95,187	96,016	86,326	72,126	108,378

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