| (in millions of USD, except per-share data) | Q1 FY 26 | Q4 FY 25 | Q3 FY 25 | Q2 FY 25 | Q1 FY 25 | Q4 FY 24 | Q3 FY 24 | Q2 FY 24 | Q1 FY 24 | Q4 FY 23 | Q3 FY 23 | Q2 FY 23 | Q1 FY 23 | Q4 FY 22 | Q3 FY 22 | Q2 FY 22 | Q1 FY 22 | Q4 FY 21 | Q3 FY 21 | Q2 FY 21 | Q1 FY 21 | Q4 FY 20 | Q3 FY 20 | Q2 FY 20 | Q1 FY 20 | Q4 FY 19 | Q3 FY 19 | Q2 FY 19 | Q1 FY 19 | Q4 FY 18 | Q3 FY 18 | Q2 FY 18 | Q1 FY 18 | Q4 FY 17 | Q3 FY 17 | Q2 FY 17 | Q1 FY 17 | Q4 FY 16 | Q3 FY 16 | Q2 FY 16 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | ||||||||||||||||||||||||||||||||||||||||
| Revenues | 2,168.0 | 2,157.0 | 2,118.0 | 2,037.0 | 1,935.0 | 1,986.0 | 1,901.0 | 1,963.0 | 1,959.0 | 1,988.0 | 2,014.0 | 2,094.0 | 2,128.0 | 2,200.0 | 2,177.0 | 1,999.0 | ||||||||||||||||||||||||
| (in millions of USD, except per-share data) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | |||||||||||||||
| Revenues | 8,480.0 | 8,247.0 | 7,809.0 | 8,224.0 | 8,021.0 | 6,647.0 | 6,905.0 | 6,491.0 | 6,128.0 | 5,707.0 | 5,255.0 | 4,824.0 | 4,979.0 | 4,690.0 | 4,894.0 |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | |||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | |||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Non-Operating | |||||||||||||||
| Interest Income | 9,731.0 | 9,663.0 | 10,186.0 | 10,204.0 | 7,060.0 | 4,851.0 | 5,357.0 | 6,189.0 | 5,758.0 | 4,920.0 | 4,266.0 | 3,854.0 | 3,664.0 | 3,501.0 | 3,846.0 |
| Tax & Net | |||||||||||||||
| Income Tax Expense | 535.0 | 497.0 | 379.0 | 422.0 | 582.0 | 658.0 | 241.0 | 460.0 | 462.0 | 260.0 | 489.0 | 423.0 | 403.0 | (42.0) | 381.0 |
| Per Share | |||||||||||||||
| EPS Basic | 4.31 | 3.90 | 3.05 | 3.14 | 4.12 | 5.18 | 2.22 | 3.82 | 3.54 | 3.26 | 1.97 | 1.55 | 1.55 | (6.12) | 1.15 |
| EPS Diluted | |||||||||||||||
| Supplementary Data | |||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | |||||||||||||||
| 1,645.0 |
| 1,720.0 |
| 1,659.0 |
| 1,609.0 |
| 1,659.0 |
| 1,707.0 |
| 1,791.0 |
| 1,750.0 |
| 1,657.0 |
| 1,637.0 |
| 1,638.0 |
| 1,628.0 |
| 1,588.0 |
| 1,593.0 |
| 1,564.0 |
| 1,509.0 |
| 1,462.0 |
| 1,484.0 |
| 1,443.0 |
| 1,396.0 |
| 1,384.0 |
| 1,363.0 |
| 1,380.0 |
| 1,278.0 |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | ||||||||||||||||||||||||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Depreciation & Amortization | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Amortization of Intangibles | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 12.0 | 12.0 | - | |||||||||||||||||||||||
| Other Operating Expenses | 147.0 | 171.0 | 166.0 | 168.0 | 157.0 | 167.0 | 164.0 | 188.0 | 203.0 | 431.0 | 176.0 | 197.0 | 169.0 | 157.0 | 165.0 | 153.0 | 110.0 | |||||||||||||||||||||||
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Operating Income | ||||||||||||||||||||||||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Non-Operating | ||||||||||||||||||||||||||||||||||||||||
| Interest Income | 2,420.0 | 2,446.0 | 2,458.0 | 2,407.0 | 2,352.0 | 2,462.0 | 2,539.0 | 2,575.0 | 2,610.0 | 2,676.0 | 2,595.0 | 2,531.0 | 2,402.0 | 2,252.0 | 1,969.0 | 1,626.0 | 1,213.0 | 1,202.0 | 1,222.0 | 1,211.0 | 1,216.0 | 1,249.0 | 1,280.0 | 1,350.0 | 1,478.0 | 1,501.0 | 1,538.0 | 1,580.0 | 1,570.0 | 1,542.0 | 1,477.0 | 1,411.0 | 1,328.0 | 1,291.0 | 1,264.0 | 1,205.0 | 1,160.0 | 1,122.0 | 1,079.0 | 1,046.0 |
| Interest Expense | - | - | - | - | - | - | - | - | 1,168.0 | 1,188.0 | 1,073.0 | 943.0 | 759.0 | 557.0 | 304.0 | 121.0 | 66.0 | 76.0 | ||||||||||||||||||||||
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Pre-Tax Income | 650.0 | 677.0 | 629.0 | 554.0 | 468.0 | 508.0 | 470.0 | 480.0 | 430.0 | 205.0 | 549.0 | 612.0 | 664.0 | 828.0 | 813.0 | 478.0 | ||||||||||||||||||||||||
| Tax & Net | ||||||||||||||||||||||||||||||||||||||||
| Income Tax Expense | 133.0 | 149.0 | 135.0 | 118.0 | 95.0 | 107.0 | 88.0 | 88.0 | 96.0 | 16.0 | 119.0 | 134.0 | 153.0 | 175.0 | 177.0 | 114.0 | 116.0 | 154.0 | 151.0 | 183.0 | 170.0 | 115.0 | 61.0 | 54.0 | 11.0 | 91.0 | 115.0 | 127.0 | 127.0 | 92.0 | 133.0 | 124.0 | 113.0 | (163.0) | 165.0 | 144.0 | 114.0 | 132.0 | 130.0 | 118.0 |
| Net Income From Continuing Ops | 517.0 | 528.0 | 494.0 | 436.0 | 373.0 | 401.0 | 382.0 | 392.0 | 334.0 | 189.0 | 430.0 | 478.0 | 511.0 | 653.0 | 636.0 | 364.0 | 420.0 | |||||||||||||||||||||||
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Net Income | 517.0 | 528.0 | 494.0 | 436.0 | 373.0 | 401.0 | 382.0 | 392.0 | 334.0 | 189.0 | 430.0 | 478.0 | 511.0 | 653.0 | 636.0 | 364.0 | 420.0 | |||||||||||||||||||||||
| Net Income Attributable To Parent | 517.0 | 528.0 | 494.0 | 436.0 | 373.0 | 401.0 | 382.0 | 392.0 | 334.0 | 189.0 | 430.0 | 478.0 | 511.0 | 653.0 | 636.0 | 364.0 | ||||||||||||||||||||||||
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||
| Less: Preferred Dividends | 33.0 | 39.0 | 32.0 | 34.0 | 33.0 | 34.0 | 38.0 | 35.0 | 30.0 | 30.0 | 30.0 | 34.0 | 23.0 | 32.0 | 25.0 | 32.0 | 24.0 | |||||||||||||||||||||||
| Net Income To Common Shareholders | 484.0 | 489.0 | 457.0 | 402.0 | 340.0 | 367.0 | 344.0 | 357.0 | 304.0 | 159.0 | 400.0 | 444.0 | 488.0 | 621.0 | 611.0 | |||||||||||||||||||||||||
| Per Share | ||||||||||||||||||||||||||||||||||||||||
| EPS Basic | 1.14 | - | 1.06 | 0.93 | 0.78 | - | 0.77 | 0.79 | 0.66 | - | 0.85 | 0.93 | 1.00 | - | 1.23 | 0.68 | 0.94 | - | 1.18 | 1.45 | 1.38 | - | 0.68 | 0.53 | 0.03 | - | 0.97 | 0.95 | 0.92 | - | 0.92 | 0.88 | 0.78 | - | 0.68 | 0.63 | 0.61 | - | 0.56 | 0.46 |
| EPS Diluted | 1.13 | - | 1.05 | 0.92 | 0.77 | - | 0.77 | 0.78 | 0.65 | - | 0.85 | 0.92 | 1.00 | - | 1.23 | 0.67 | 0.93 | - | ||||||||||||||||||||||
| Shares Basic | 425.3 | - | 431.4 | 433.6 | 438.3 | - | 446.6 | 454.1 | 461.4 | - | 469.5 | 479.5 | 485.4 | - | 495.7 | 491.5 | 422.4 | - | ||||||||||||||||||||||
| Shares Diluted | 429.9 | - | 435.5 | 436.5 | 442.2 | - | 449.9 | 456.6 | 463.8 | - | 471.2 | 481.0 | 487.7 | - | 497.5 | 493.3 | 424.7 | - | ||||||||||||||||||||||
| Supplementary Data | ||||||||||||||||||||||||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | - | 130.0 | 132.0 | 115.0 | 107.0 | 98.0 | 110.0 | 116.0 | 117.0 | 124.0 | 130.0 | 116.0 | 117.0 | 138.0 | 163.0 |
| Amortization of Intangibles | - | 33.0 | 35.0 | 42.0 | 41.0 | 11.0 | 11.0 | 11.0 | 3.0 | 0.0 | 0.0 | - | - | - | - |
| Other Operating Expenses | 652.0 | 662.0 | 722.0 | 973.0 | 585.0 | 411.0 | 419.0 | 476.0 | 495.0 | 542.0 | 521.0 | 530.0 | 573.0 | 528.0 | 709.0 |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| - |
| Interest Expense | - | - | - | 3,963.0 | 1,048.0 | 339.0 | 771.0 | 1,575.0 | 1,226.0 | 747.0 | 508.0 | 452.0 | 363.0 | 443.0 | 619.0 |
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pre-Tax Income | 2,510.0 | 2,328.0 | 1,888.0 | 2,030.0 | 2,655.0 | 2,977.0 | 1,298.0 | 2,251.0 | 2,183.0 | 1,912.0 | 1,534.0 | 1,263.0 | 1,268.0 | (3,468.0) | 1,024.0 |
| Net Income From Continuing Ops | 1,975.0 | 1,831.0 | 1,509.0 | 1,608.0 | 2,073.0 | 2,319.0 | 1,057.0 | 1,791.0 | 1,721.0 | 1,652.0 | 1,045.0 | 840.0 | 865.0 | (3,426.0) | 643.0 |
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 1,975.0 | 1,831.0 | 1,509.0 | 1,608.0 | 2,073.0 | 2,319.0 | 1,057.0 | 1,791.0 | 1,721.0 | 1,652.0 | 1,045.0 | 840.0 | 865.0 | (3,426.0) | 643.0 |
| Net Income Attributable To Parent | 1,975.0 | 1,831.0 | 1,509.0 | 1,608.0 | 2,073.0 | 2,319.0 | 1,057.0 | 1,791.0 | 1,721.0 | 1,652.0 | 1,045.0 | 840.0 | 865.0 | (3,426.0) | 643.0 |
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Less: Preferred Dividends | 138.0 | 138.0 | 137.0 | 117.0 | 113.0 | 113.0 | 107.0 | 73.0 | 29.0 | 14.0 | 14.0 | 7.0 | 0.0 | 0.0 | 0.0 |
| Net Income To Common Shareholders | 1,832.0 | 1,688.0 | 1,372.0 | 1,491.0 | 1,960.0 | 2,206.0 | 950.0 | 1,718.0 | 1,692.0 | 1,638.0 | 1,031.0 | 833.0 | 865.0 | (3,426.0) | 643.0 |
| 4.26 |
| 3.86 |
| 3.03 |
| 3.13 |
| 4.10 |
| 5.16 |
| 2.22 |
| 3.81 |
| 3.52 |
| 3.25 |
| 1.97 |
| 1.55 |
| 1.55 |
| (6.12) |
| 1.15 |
| Shares Basic | 425.3 | 433.2 | 450.7 | 475.1 | 476.0 | 425.7 | 427.1 | 449.7 | 478.8 | 502.2 | 522.1 | 535.6 | 556.7 | 560.0 | 560.0 |
| Shares Diluted | 429.9 | 436.9 | 453.5 | 476.7 | 477.8 | 427.4 | 428.2 | 451.2 | 480.4 | 503.7 | 523.9 | 538.2 | 557.7 | 560.0 | 560.0 |
| - |
| - |
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| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
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| - |
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| - |
| - |
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| - |
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| - |
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| - |
| - |
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| - |
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| - |
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| - |
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| - |
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| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 2.0 |
| 2.0 |
| - |
| - |
| - |
| - |
| 3.0 |
| - |
| - |
| - |
| 2.0 |
| - |
| 1.0 |
| - |
| - |
| - |
| 0.0 |
| - |
| - |
| - |
| - |
| - |
| 103.0 |
| 124.0 |
| 93.0 |
| 91.0 |
| 102.0 |
| 95.0 |
| 111.0 |
| 111.0 |
| 121.0 |
| 127.0 |
| 118.0 |
| 110.0 |
| 117.0 |
| 131.0 |
| 127.0 |
| 120.0 |
| 137.0 |
| 133.0 |
| 148.0 |
| 124.0 |
| 134.0 |
| 144.0 |
| 128.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 77.0 |
| 87.0 |
| 99.0 |
| 120.0 |
| 143.0 |
| 190.0 |
| 318.0 |
| 358.0 |
| 393.0 |
| 414.0 |
| 410.0 |
| 370.0 |
| 329.0 |
| 290.0 |
| 237.0 |
| 211.0 |
| 202.0 |
| 179.0 |
| 155.0 |
| 136.0 |
| 134.0 |
| 123.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 536.0 |
| 684.0 |
| 681.0 |
| 831.0 |
| 781.0 |
| 571.0 |
| 375.0 |
| 307.0 |
| 45.0 |
| 541.0 |
| 564.0 |
| 580.0 |
| 566.0 |
| 557.0 |
| 576.0 |
| 549.0 |
| 501.0 |
| 503.0 |
| 513.0 |
| 462.0 |
| 434.0 |
| 414.0 |
| 427.0 |
| 361.0 |
| 530.0 |
| 530.0 |
| 648.0 |
| 611.0 |
| 456.0 |
| 314.0 |
| 253.0 |
| 34.0 |
| 450.0 |
| 449.0 |
| 453.0 |
| 439.0 |
| 465.0 |
| 443.0 |
| 425.0 |
| 388.0 |
| 666.0 |
| 348.0 |
| 318.0 |
| 320.0 |
| 282.0 |
| 297.0 |
| 243.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 530.0 |
| 530.0 |
| 648.0 |
| 611.0 |
| 456.0 |
| 314.0 |
| 253.0 |
| 34.0 |
| 450.0 |
| 449.0 |
| 453.0 |
| 439.0 |
| 465.0 |
| 443.0 |
| 425.0 |
| 388.0 |
| 666.0 |
| 348.0 |
| 318.0 |
| 320.0 |
| 282.0 |
| 297.0 |
| 243.0 |
| 420.0 |
| 530.0 |
| 530.0 |
| 648.0 |
| 611.0 |
| 456.0 |
| 314.0 |
| 253.0 |
| 34.0 |
| 450.0 |
| 449.0 |
| 453.0 |
| 439.0 |
| 465.0 |
| 443.0 |
| 425.0 |
| 388.0 |
| 666.0 |
| 348.0 |
| 318.0 |
| 320.0 |
| 282.0 |
| 297.0 |
| 243.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 32.0 |
| 26.0 |
| 32.0 |
| 23.0 |
| 32.0 |
| 25.0 |
| 28.0 |
| 22.0 |
| 23.0 |
| 17.0 |
| 18.0 |
| 15.0 |
| 15.0 |
| 7.0 |
| 0.0 |
| 7.0 |
| 0.0 |
| 7.0 |
| 0.0 |
| 7.0 |
| 0.0 |
| 7.0 |
| 0.0 |
| 332.0 |
| 396.0 |
| 498.0 |
| 504.0 |
| 616.0 |
| 588.0 |
| 424.0 |
| 289.0 |
| 225.0 |
| 12.0 |
| 427.0 |
| 432.0 |
| 435.0 |
| 424.0 |
| 450.0 |
| 436.0 |
| 425.0 |
| 381.0 |
| 666.0 |
| 341.0 |
| 318.0 |
| 313.0 |
| 282.0 |
| 290.0 |
| 243.0 |
| 1.18 |
| 1.44 |
| 1.37 |
| - |
| 0.68 |
| 0.53 |
| 0.03 |
| - |
| 0.97 |
| 0.95 |
| 0.92 |
| - |
| 0.91 |
| 0.88 |
| 0.78 |
| - |
| 0.68 |
| 0.63 |
| 0.61 |
| - |
| 0.56 |
| 0.46 |
| 426.1 |
| 425.9 |
| 426.0 |
| - |
| 426.8 |
| 426.6 |
| 427.7 |
| - |
| 445.7 |
| 458.2 |
| 460.7 |
| - |
| 476.0 |
| 484.7 |
| 487.5 |
| - |
| 500.9 |
| 506.4 |
| 509.5 |
| - |
| 519.5 |
| 529.0 |
| 427.8 |
| 427.6 |
| 427.9 |
| - |
| 428.0 |
| 427.6 |
| 429.4 |
| - |
| 447.1 |
| 459.3 |
| 462.5 |
| - |
| 477.6 |
| 486.1 |
| 489.3 |
| - |
| 502.2 |
| 507.4 |
| 511.3 |
| - |
| 521.1 |
| 530.4 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |