Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | -19.4% | 0.6% | 2.5% | 4.6% | 2.9% | 7.7% | 13.7% | 13.2% |
| Return ratios | ||||||||
| Return on assets % | — | — | 0.2% | 0.3% | 0.2% | 0.5% | 0.9% | 0.9% |
| Return on capital employed % | — | — | 4.3% | 4% | 4% | 5.4% | 6.3% | 6.1% |
| Return on equity % | — | — | 2.2% | 3.6% | 2.5% | 7.7% | 13.1% | 11.8% |
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.