| (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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| (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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | |||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | |||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Non-Operating | |||||||||||||||
| Interest Income | 22,654.0 | 22,601.0 | 22,645.0 | 20,710.0 | 17,146.0 | 15,271.0 | 16,067.0 | 19,090.0 | 17,988.0 | 16,407.0 | 14,778.0 | 13,228.0 | 12,242.0 | 11,313.0 | 10,309.0 |
| Tax & Net | |||||||||||||||
| Income Tax Expense | 1,084.0 | 1,069.0 | 1,054.0 | 666.0 | 946.0 | 1,282.0 | 412.0 | 1,140.0 | 854.0 | 1,389.0 | 1,319.0 | 1,317.0 | 1,277.0 | 1,163.0 | 1,257.0 |
| Per Share | |||||||||||||||
| EPS Basic | 10.27 | 9.38 | 8.64 | 5.21 | 6.19 | 7.40 | 2.28 | 5.59 | 3.76 | 2.43 | 2.71 | 2.66 | 2.78 | 2.81 | 3.00 |
| EPS Diluted | |||||||||||||||
| Supplementary Data | |||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | |||||||||||||||
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | ||||||||||||||||||||||||||||||||||||||||
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Depreciation & Amortization | 143.0 | - | - | - | 125.0 | - | - | - | 119.0 | - | - | - | 111.0 | - | - | - | ||||||||||||||||||||||||
| Amortization of Intangibles | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||||
| Operating Income | ||||||||||||||||||||||||||||||||||||||||
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Non-Operating | ||||||||||||||||||||||||||||||||||||||||
| Interest Income | 5,603.0 | 5,734.0 | 5,731.0 | 5,586.0 | 5,550.0 | 5,710.0 | 5,785.0 | 5,582.0 | 5,568.0 | 5,549.0 | 5,354.0 | 5,021.0 | 4,786.0 | 4,708.0 | 4,342.0 | 4,074.0 | 4,022.0 | 4,053.0 | 3,898.0 | 3,578.0 | 3,742.0 | 3,993.0 | 3,837.0 | 3,830.0 | 4,407.0 | 4,585.0 | 4,981.0 | 4,738.0 | 4,786.0 | 4,876.0 | 4,694.0 | 4,174.0 | 4,244.0 | 4,291.0 | 4,233.0 | 3,970.0 | 3,913.0 | 3,947.0 | 3,796.0 | 3,515.0 |
| Interest Expense | - | - | - | - | - | - | - | - | 1,163.0 | 1,083.0 | 992.0 | 901.0 | 735.0 | 602.0 | 414.0 | 272.0 | 233.0 | 223.0 | ||||||||||||||||||||||
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Pre-Tax Income | 1,047.0 | 952.0 | 1,429.0 | 1,256.0 | 984.0 | 973.0 | 1,028.0 | 844.0 | 1,708.0 | 539.0 | 833.0 | 742.0 | 790.0 | 741.0 | 922.0 | 1,066.0 | ||||||||||||||||||||||||
| Tax & Net | ||||||||||||||||||||||||||||||||||||||||
| Income Tax Expense | 242.0 | 201.0 | 352.0 | 289.0 | 227.0 | 199.0 | 239.0 | 201.0 | 415.0 | 99.0 | 205.0 | 173.0 | 189.0 | 164.0 | 219.0 | 262.0 | 301.0 | 234.0 | 359.0 | 399.0 | 290.0 | 206.0 | 99.0 | 11.0 | 96.0 | 190.0 | 319.0 | 276.0 | 355.0 | 229.0 | 222.0 | 196.0 | 207.0 | 490.0 | 324.0 | 292.0 | 283.0 | 332.0 | 359.0 | 282.0 |
| Net Income From Continuing Ops | 805.0 | 751.0 | 1,077.0 | 967.0 | 757.0 | 774.0 | 789.0 | 643.0 | 1,293.0 | 440.0 | 628.0 | 569.0 | 601.0 | 577.0 | 703.0 | 804.0 | 932.0 | |||||||||||||||||||||||
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||||
| Net Income | 805.0 | 751.0 | 1,077.0 | 967.0 | 757.0 | 774.0 | 789.0 | 643.0 | 1,293.0 | 440.0 | 628.0 | 569.0 | 601.0 | 577.0 | 703.0 | 804.0 | 932.0 | |||||||||||||||||||||||
| Net Income Attributable To Parent | 805.0 | 751.0 | 1,077.0 | 967.0 | 757.0 | 774.0 | 789.0 | 643.0 | 1,293.0 | 440.0 | 628.0 | 569.0 | 601.0 | 577.0 | 703.0 | 804.0 | ||||||||||||||||||||||||
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||||||||||||
| Less: Preferred Dividends | 21.0 | 21.0 | 20.0 | 21.0 | 21.0 | 21.0 | 21.0 | 19.0 | 11.0 | 11.0 | 10.0 | 10.0 | 11.0 | 10.0 | 11.0 | 11.0 | 10.0 | |||||||||||||||||||||||
| Net Income To Common Shareholders | 784.0 | 730.0 | 1,057.0 | 946.0 | 736.0 | 753.0 | 768.0 | 624.0 | 1,282.0 | 429.0 | 618.0 | 559.0 | 590.0 | 567.0 | 692.0 | |||||||||||||||||||||||||
| Per Share | ||||||||||||||||||||||||||||||||||||||||
| EPS Basic | 2.29 | - | 2.89 | 2.51 | 1.91 | - | 1.96 | 1.56 | 3.17 | - | 1.49 | 1.32 | 1.36 | - | 1.48 | 1.61 | 1.79 | - | 2.02 | 2.13 | 1.74 | - | 0.52 | 0.06 | 0.45 | - | 1.60 | 1.25 | 1.57 | - | 0.91 | 0.93 | 0.84 | - | 0.70 | 0.62 | 0.61 | - | 0.73 | 0.59 |
| EPS Diluted | 2.27 | - | 2.86 | 2.50 | 1.89 | - | 1.94 | 1.55 | 3.14 | - | 1.48 | 1.32 | 1.35 | - | 1.47 | 1.60 | 1.77 | - | ||||||||||||||||||||||
| Shares Basic | 342.4 | - | 365.9 | 376.2 | 385.2 | - | 392.3 | 399.3 | 404.7 | - | 416.0 | 422.7 | 434.4 | - | 468.5 | 493.0 | 515.3 | - | ||||||||||||||||||||||
| Shares Diluted | 346.0 | - | 369.9 | 379.1 | 389.4 | - | 396.5 | 402.6 | 408.2 | - | 418.4 | 424.2 | 437.2 | - | 470.7 | 495.3 | 519.5 | - | ||||||||||||||||||||||
| Supplementary Data | ||||||||||||||||||||||||||||||||||||||||
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||||||||
| Selling General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Selling & Marketing | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| General & Administrative | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | - | 514.0 | 481.0 | 458.0 | 419.0 | 390.0 | 383.0 | 367.0 | 302.0 | 254.0 | 219.0 | 174.0 | 131.0 | 104.0 | 83.0 |
| Amortization of Intangibles | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| - |
| Interest Expense | - | - | - | 3,711.0 | 1,521.0 | 1,032.0 | 1,665.0 | 2,291.0 | 1,870.0 | 1,391.0 | 1,248.0 | 1,135.0 | 922.0 | 742.0 | 745.0 |
| Income From Equity Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pre-Tax Income | 4,684.0 | 4,621.0 | 4,553.0 | 2,904.0 | 3,962.0 | 5,503.0 | 1,797.0 | 4,887.0 | 3,644.0 | 3,324.0 | 3,570.0 | 3,531.0 | 3,386.0 | 3,142.0 | 3,376.0 |
| Net Income From Continuing Ops | 3,600.0 | 3,552.0 | 3,499.0 | 2,238.0 | 3,016.0 | 4,221.0 | 1,385.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 | 2,109.0 | 1,979.0 | 2,119.0 |
| Net Income From Discontinued Ops | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 3,600.0 | 3,552.0 | 3,499.0 | 2,238.0 | 3,016.0 | 4,221.0 | 1,385.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 | 2,109.0 | 1,979.0 | 2,119.0 |
| Net Income Attributable To Parent | 3,600.0 | 3,552.0 | 3,499.0 | 2,238.0 | 3,016.0 | 4,221.0 | 1,385.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 | 2,109.0 | 1,979.0 | 2,119.0 |
| Less: Minority Interest | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Less: Preferred Dividends | 83.0 | 83.0 | 72.0 | 42.0 | 42.0 | 42.0 | 42.0 | 0.0 | 0.0 | - | - | - | - | - | - |
| Net Income To Common Shareholders | 3,517.0 | 3,469.0 | 3,427.0 | 2,196.0 | 2,974.0 | 4,179.0 | 1,343.0 | 3,747.0 | 2,790.0 | 1,935.0 | 2,251.0 | 2,214.0 | 2,109.0 | 1,979.0 | 2,119.0 |
| 10.16 |
| 9.28 |
| 8.55 |
| 5.19 |
| 6.15 |
| 7.34 |
| 2.27 |
| 5.56 |
| 3.74 |
| 2.42 |
| 2.71 |
| 2.65 |
| 2.78 |
| 2.81 |
| 3.00 |
| Shares Basic | 342.4 | 369.9 | 396.5 | 421.2 | 480.4 | 564.6 | 589.0 | 670.2 | 742.3 | 795.6 | 829.2 | 833.8 | 757.4 | 705.3 | 705.3 |
| Shares Diluted | 346.0 | 373.9 | 400.6 | 423.5 | 483.4 | 569.3 | 590.8 | 673.5 | 746.9 | 799.7 | 831.5 | 835.5 | 757.6 | 705.3 | 705.3 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 107.0 |
| - |
| - |
| - |
| 95.0 |
| - |
| - |
| - |
| 96.0 |
| - |
| - |
| - |
| 87.0 |
| - |
| - |
| - |
| 71.0 |
| - |
| - |
| - |
| 59.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 240.0 |
| 266.0 |
| 303.0 |
| 334.0 |
| 380.0 |
| 434.0 |
| 517.0 |
| 556.0 |
| 592.0 |
| 583.0 |
| 560.0 |
| 543.0 |
| 488.0 |
| 437.0 |
| 402.0 |
| 375.0 |
| 357.0 |
| 333.0 |
| 326.0 |
| 319.0 |
| 315.0 |
| 303.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 1,233.0 |
| 1,047.0 |
| 1,500.0 |
| 1,641.0 |
| 1,315.0 |
| 944.0 |
| 412.0 |
| 59.0 |
| 382.0 |
| 921.0 |
| 1,375.0 |
| 1,129.0 |
| 1,462.0 |
| 1,012.0 |
| 893.0 |
| 892.0 |
| 847.0 |
| 875.0 |
| 879.0 |
| 788.0 |
| 782.0 |
| 908.0 |
| 963.0 |
| 771.0 |
| 813.0 |
| 1,141.0 |
| 1,242.0 |
| 1,025.0 |
| 738.0 |
| 313.0 |
| 48.0 |
| 286.0 |
| 731.0 |
| 1,056.0 |
| 853.0 |
| 1,107.0 |
| 783.0 |
| 671.0 |
| 696.0 |
| 640.0 |
| 385.0 |
| 555.0 |
| 496.0 |
| 499.0 |
| 576.0 |
| 604.0 |
| 489.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 813.0 |
| 1,141.0 |
| 1,242.0 |
| 1,025.0 |
| 738.0 |
| 313.0 |
| 48.0 |
| 286.0 |
| 731.0 |
| 1,056.0 |
| 853.0 |
| 1,107.0 |
| 783.0 |
| 671.0 |
| 696.0 |
| 640.0 |
| 385.0 |
| 555.0 |
| 496.0 |
| 499.0 |
| 576.0 |
| 604.0 |
| 489.0 |
| 932.0 |
| 813.0 |
| 1,141.0 |
| 1,242.0 |
| 1,025.0 |
| 738.0 |
| 313.0 |
| 48.0 |
| 286.0 |
| 731.0 |
| 1,056.0 |
| 853.0 |
| 1,107.0 |
| 783.0 |
| 671.0 |
| 696.0 |
| 640.0 |
| 385.0 |
| 555.0 |
| 496.0 |
| 499.0 |
| 576.0 |
| 604.0 |
| 489.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 10.0 |
| 11.0 |
| 10.0 |
| 11.0 |
| 10.0 |
| 10.0 |
| 11.0 |
| 11.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| 0.0 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| 793.0 |
| 922.0 |
| 803.0 |
| 1,130.0 |
| 1,232.0 |
| 1,014.0 |
| 728.0 |
| 303.0 |
| 37.0 |
| 275.0 |
| 731.0 |
| 1,056.0 |
| 853.0 |
| 1,107.0 |
| 783.0 |
| 671.0 |
| 696.0 |
| 640.0 |
| 385.0 |
| 555.0 |
| 496.0 |
| 499.0 |
| 576.0 |
| 604.0 |
| 489.0 |
| 2.00 |
| 2.12 |
| 1.73 |
| - |
| 0.52 |
| 0.06 |
| 0.45 |
| - |
| 1.60 |
| 1.24 |
| 1.56 |
| - |
| 0.91 |
| 0.92 |
| 0.83 |
| - |
| 0.70 |
| 0.61 |
| 0.61 |
| - |
| 0.73 |
| 0.58 |
| 560.6 |
| 577.2 |
| 583.3 |
| - |
| 583.8 |
| 583.7 |
| 604.9 |
| - |
| 658.3 |
| 683.6 |
| 706.3 |
| - |
| 734.9 |
| 752.2 |
| 763.7 |
| - |
| 787.3 |
| 804.0 |
| 813.1 |
| - |
| 828.4 |
| 833.9 |
| 565.6 |
| 581.7 |
| 587.5 |
| - |
| 584.8 |
| 584.4 |
| 607.4 |
| - |
| 661.7 |
| 686.5 |
| 708.9 |
| - |
| 738.8 |
| 758.3 |
| 770.3 |
| - |
| 790.9 |
| 807.4 |
| 817.1 |
| - |
| 830.6 |
| 836.2 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| - |