Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | 0.9% | 3.3% | 5.1% | 3.9% | 8.4% | 15% | 14.1% |
| Return ratios | |||||||
| Return on assets % | — | 0.2% | 0.3% | 0.2% | 0.6% | 1% | 0.9% |
| Return on capital employed % | — | 4.3% | 4% | 4.1% | 5.4% | 6.3% | 6.1% |
| Return on equity % | — | 2.9% | 4% | 3.3% | 8.3% | 13.9% | 12.3% |
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.