Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 8.1% | 6.7% | 7.7% | 8.2% | 16.4% | 15.7% | 14.1% | 14.7% |
| Return ratios | ||||||||
| Return on assets % | 0.6% | 0.5% | 0.6% | 0.6% | 1.2% | 1.1% | 1.1% | 1% |
| Return on capital employed % | 6.3% | 6.2% | 5.6% | 5.1% | 1.1% | 6.2% | 6.3% | 6.1% |
| Return on equity % | 8.2% | 7.2% | 7.3% | 7.2% | 14.4% | 12% | 10.5% | 9.9% |
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.