Consolidated figures
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Margins | |||||
| PAT margin % | 10.2% | 10.8% | 11.1% | 12.1% | 17% |
| Return ratios | |||||
| Return on assets % | 0.6% | 0.7% | 0.8% | 0.9% | 1.1% |
| Return on capital employed % | 4.2% | 4.5% | 5.4% | 6% | 6.1% |
| Return on equity % | 7.4% | 8.5% | 9.7% | 10.5% | 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.