Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 1.7% | 3.5% | 7.7% | 10.2% | 11.8% | 14.5% | 17.6% | 18% |
| Return ratios | ||||||||
| Return on assets % | — | — | — | 0.6% | 0.7% | 1% | 1.3% | 1.2% |
| Return on capital employed % | — | — | — | 3.9% | 4.6% | 5.9% | 6.4% | 6.3% |
| Return on equity % | — | — | — | 9% | 11% | 13.8% | 15.8% | 15.5% |
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.