Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 8.5% | 2.6% | 10.4% | 19.3% | 11.3% | 22.7% | 21.5% | 19.3% |
| Return ratios | ||||||||
| Return on assets % | 0.6% | 0.2% | 0.7% | 1.1% | 0.7% | 1.7% | 1.6% | 1.3% |
| Return on capital employed % | 5.6% | 5.2% | 4.7% | 5% | 6% | 6.9% | 7% | 6.1% |
| Return on equity % | 7% | 1.9% | 6.5% | 11.3% | 7.7% | 16.5% | 14.8% | 12% |
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.