Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | 3% | 11.2% | 20.6% | 12.5% | 23.5% | 22.1% | 20% |
| Return ratios | |||||||
| Return on assets % | 0.2% | 0.7% | 1.2% | 0.8% | 1.7% | 1.7% | 1.4% |
| Return on capital employed % | 4.9% | 4.8% | 5.1% | 6.2% | 7.1% | 7.1% | 6.2% |
| Return on equity % | 2.2% | 7% | 12% | 8.4% | 17% | 15.2% | 12.4% |
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.