Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | -24.9% | -4.8% | -3.9% | 4.6% | 6.2% | 8.3% | 11.2% | 12.1% |
| Return ratios | ||||||||
| Return on assets % | -1.7% | -0.3% | -0.2% | 0.3% | 0.4% | 0.6% | 0.8% | 0.8% |
| Return on capital employed % | 0.8% | 4.5% | 3.8% | 4.2% | 4.3% | 5.3% | 5.4% | 5.6% |
| Return on equity % | -29.8% | -5.2% | -4.1% | 3.8% | 5.4% | 7.9% | 10.4% | 11.4% |
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.