Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | -3.9% | 4.2% | 8.7% | 13.2% | 18.7% | 14.6% | 15.6% |
| Return ratios | |||||||
| Return on assets % | — | 0.3% | 0.5% | 0.8% | 1.3% | 1% | 1% |
| Return on capital employed % | — | 4.4% | 4.6% | 5.4% | 6.6% | 6.8% | 6.5% |
| Return on equity % | — | 4.7% | 8.8% | 14.4% | 22.4% | 16.8% | 16.7% |
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.