Consolidated figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 24.1% | 25.7% | 30.4% | 35.8% | 35.4% | 32.4% | 33.7% | 27.6% |
| Return ratios | ||||||||
| Return on assets % | 1.8% | 1.9% | 2.1% | 2.2% | 2.4% | 2.4% | 2.5% | 1.9% |
| Return on capital employed % | 7.9% | 7.4% | 6.5% | 6.3% | 6.9% | 7.9% | 7.6% | 6.9% |
| Return on equity % | 12.4% | 12.8% | 11.8% | 12.4% | 13.3% | 14% | 14.1% | 10.6% |
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.