Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | 4% | 8.1% | 10.7% | 12.4% | 15.1% | 18.2% | 17.3% |
| Return ratios | |||||||
| Return on assets % | 0.3% | 0.5% | 0.6% | 0.8% | 1.1% | 1.3% | 1.2% |
| Return on capital employed % | 5% | 5.8% | 4% | 4.6% | 5.9% | 6.4% | 6.3% |
| Return on equity % | 4.3% | 8% | 9.2% | 11.3% | 14% | 15.8% | 14.6% |
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.