Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | -68.5% | -61.9% | 6.8% | 13.3% | 17.7% | 21.3% | 26% | 32.8% |
| Return ratios | ||||||||
| Return on assets % | — | — | 0.5% | 0.8% | 1.1% | 1.6% | 1.8% | 2% |
| Return on capital employed % | — | — | 4.9% | 4.4% | 4.8% | 6.2% | 6.8% | 6.6% |
| Return on equity % | — | — | 3.7% | 5.9% | 8% | 11.3% | 12.5% | 14.1% |
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.