Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | -13.6% | -7% | 5.3% | 8.9% | 8.4% | 10.4% | 13% | 14% |
| Return ratios | ||||||||
| Return on assets % | -0.9% | -0.5% | 0.3% | 0.5% | 0.5% | 0.7% | 0.9% | 0.9% |
| Return on capital employed % | 0.8% | 3.6% | 4.4% | 4.2% | 4.5% | 5.7% | 6.2% | 5.9% |
| Return on equity % | -13.3% | -6.7% | 4.4% | 6.2% | 6.8% | 9.2% | 11.7% | 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.