Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | -7.2% | 5.1% | 9.1% | 8% | 10.8% | ||
| 13.4% |
| 13.6% |
| Return ratios | |||||||
| Return on assets % | -0.5% | 0.3% | 0.5% | 0.5% | 0.7% | 0.9% | 0.9% |
| Return on capital employed % | 3.5% | 4.4% | 4.2% | 4.4% | 5.7% | 6.2% | 5.9% |
| Return on equity % | -6.8% | 4.2% | 6.2% | 6.4% | 9.3% | 11.8% | 11.5% |
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.