Consolidated figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 21.3% | 22.3% | 24.8% | 28.1% | ||||
Consolidated figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 21.3% | 22.3% | 24.8% | 28.1% | ||||
| 27% |
| 22.6% |
| 21.1% |
| 21.8% |
| Return ratios | ||||||||
| Return on assets % | 1.7% | 1.7% | 1.8% | 1.8% | 1.8% | 1.6% | 1.6% | 1.5% |
| Return on capital employed % | 1.7% | 7.3% | 6.3% | 5.8% | 6.2% | 7.7% | 7.5% | 7.1% |
| Return on equity % | 14.6% | 15.5% | 15.2% | 15.4% | 15.9% | 14.1% | 13.7% | 13.1% |
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.