Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | -5.3% | -4.4% | 4.7% | 6.6% | 8.7% | 11.7% | 12.5% |
| Return ratios | |||||||
| Return on assets % | -0.4% | -0.3% | 0.3% | 0.4% | 0.6% | 0.8% | 0.8% |
| Return on capital employed % | 4.4% | 3.8% | 4.3% | 4.3% | 5.3% | 5.5% | 5.6% |
| Return on equity % | -5.8% | -4.6% | 3.9% | 5.8% | 8.3% | 10.7% | 11.6% |
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.