Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 10.9% | 11.7% | 11.6% | 13.8% | 17.9% | 16.8% | 15.4% | 14.9% |
| Return ratios | ||||||||
| Return on assets % | — | 0.9% | 0.8% | 0.9% | 1.2% | 1.2% | 1.2% | 1.1% |
| Return on capital employed % | — | 6% | 5.5% | 4.9% | 5.8% | 6.8% | 7% | 6.3% |
| Return on equity % | — | 10.6% | 9.9% | 10.1% | 14% | 12.8% | 12.1% | 10.6% |
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.