Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 5.3% | 10.6% | 20.5% | 27% | 29.2% | 28.6% | 28.9% | 29.5% |
| Return ratios | ||||||||
| Return on assets % | 0.3% | 0.7% | 1.3% | 1.7% | 2% | 2.2% | 2.2% | 2.1% |
| Return on capital employed % | 4.5% | 1.7% | 5.4% | 5.5% | 6.3% | 7.5% | 7.6% | 6.9% |
| Return on equity % | 3.1% | 6.8% | 11% | 13.7% | 16% | 17.3% | 16.3% | 15% |
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.