Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 0.7% | -4.6% | 3.7% | 8.2% | 12.6% | 13.4% | 14.2% | 15.2% |
| Return ratios | ||||||||
| Return on assets % | — | — | 0.2% | 0.5% | 0.8% | 1% | 1% | 1% |
| Return on capital employed % | — | — | 4.4% | 4.6% | 5.4% | 6.6% | 6.8% | 6.5% |
| Return on equity % | — | — | 4.3% | 8.6% | 14.4% | 16.7% | 17% | 16.9% |
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.