Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 21.3% | 22.9% | 25.8% | 28.9% | 27.3% | 23.5% | 22.4% | 24.3% |
| Return ratios | ||||||||
| Return on assets % | 1.7% | 1.7% | 1.8% | 1.8% | 1.8% | 1.7% | 1.7% | 1.7% |
| Return on capital employed % | 7.5% | 7.2% | 6.2% | 5.7% | 6.1% | 7.5% | 7.4% | 6.9% |
| Return on equity % | 14.1% | 15.4% | 15.3% | 15.4% | 15.7% | 13.9% | 13.5% | 13.4% |
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.