Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | -61.5% | 7.7% | 14% | 18.1% | 22% | 26.5% | 31.8% |
| Return ratios | |||||||
| Return on assets % | — | 0.5% | 0.8% | 1.1% | 1.6% | 1.9% | 2% |
| Return on capital employed % | — | 4.9% | 4.5% | 4.8% | 6.2% | 6.8% | 6.5% |
| Return on equity % | — | 4.1% | 6% | 8% | 11.4% | 12.4% | 13.5% |
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.