Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 20.3% | 22.1% | 26% | 31.7% | 31.9% | 30.1% | 31.1% | 25.2% |
| Return ratios | ||||||||
| Return on assets % | 1.6% | 1.7% | 1.8% | 2% | 2.2% | 2.3% | 2.4% | 1.8% |
| Return on capital employed % | 7.2% | 6.5% | 5.8% | 5.6% | 6.2% | 7.2% | 6.9% | 6.3% |
| Return on equity % | 11.3% | 12.1% | 10.9% | 11.8% | 13.1% | 14.3% | 14% | 10.4% |
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.