Consolidated figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 7.9% | 13.2% | 22.8% | 27.8% | 29.3% | 28.9% | 29.3% | 29.7% |
| Return ratios | ||||||||
| Return on assets % | 0.5% | 0.8% | 1.3% | 1.5% | 1.8% | 1.9% | 2.1% | 2% |
| Return on capital employed % | 4.8% | 5.9% | 5.7% | 5.6% | 6.4% | 7.6% | 7.9% | 7.2% |
| Return on equity % | 5% | 9.1% | 12.9% | 14.6% | 16.6% | 17.1% | 16.6% | 15.4% |
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.