BAHL declares Rs3.5 dividend as earnings ease 22% for 9MFY25

STATEMENT OF PROFIT OR LOSS FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2025 (Rs.000)

Description

9MFY25

9MFY24

change%

Mark-up / return / interest earned

260,631,796

367,165,146

-29%

Less: Mark-up / return / interest expensed

(161,046,771)

(249,635,913)

-35%

Net mark-up / return / interest income

99,585,025

117,529,233

-15%

NON MARK-UP / INTEREST INCOME

Fee and commission income

16,258,229

15,815,721

3%

Dividend income

387,737

361,598

7%

Foreign exchange income

5,665,122

3,862,206

47%

Income / (loss) from derivatives

-

-

Gain / (loss) on securities - net

541,090

(234,238)

Net gain / (loss) on derecognition of financial assets measured at amortised cost

-

-

Share of profit from associates

1,015,054

1,016,059

-0.1%

Other income

744,079

892,800

-17%

Total non mark-up / interest income

24,611,311

21,714,146

13%

Total income

124,196,336

139,243,379

-11%

NON MARK-UP / INTEREST EXPENSES

Operating expenses

(69,783,967)

(60,553,755)

15%

Workers welfare fund

(1,126,995)

(1,444,736)

-22%

Other charges

(76,271)

(306,918)

-75%

Total non mark-up / interest expenses

(70,987,233)

(62,305,409)

14%

Profit before credit loss allowance

53,209,103

76,937,970

-31%

Credit loss allowance and write offs - net

2,199,596

(11,877,077)

Extra ordinary / unusual items

-

-

PROFIT BEFORE TAXATION

55,408,699

65,060,893

-15%

Taxation

(28,732,006)

(30,649,525)

-6%

PROFIT AFTER TAXATION

26,676,693

34,411,368

-22%

Earning per share

23.99

30.95

-22%