Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 13% | 15.7% | 23.7% | 19.1% | 17.4% | 14.5% | 13.1% | 14.2% |
| Return ratios | ||||||||
| Return on assets % | 1.2% | — | 2.3% | 1.6% | 1.6% | 1.4% | 1.3% | 1.4% |
| Return on capital employed % | 10.7% | — | 8.2% | 7.2% | 7.4% | 7.8% | 8.4% | 7.7% |
| Return on equity % | 13% | — | 19% | 15.1% | 13.1% | 12.2% | 12.3% | 13.2% |
Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.