Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | 1.2% | 2.2% | 10.8% | 15.9% | 15.9% | ||
Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | 1.2% | 2.2% | 10.8% | 15.9% | 15.9% | ||
| 16.3% |
| 14.5% |
| Return ratios | |||||||
| Return on assets % | 0.1% | 0.1% | 0.6% | 1% | 1.1% | 1.1% | 0.9% |
| Return on capital employed % | 4.3% | 4.3% | 4% | 5.2% | 6.3% | 6.3% | 5.6% |
| Return on equity % | 1.3% | 2% | 8.6% | 14.3% | 15.6% | 14.2% | 11.7% |
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.