Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | 5.7% | 6.2% | -2% | 9.6% | 10.2% | 5.1% | 6.1% |
| Return ratios | |||||||
| Return on assets % | 0.6% | 0.5% | -0.2% | 0.8% | 0.9% | 0.5% | 0.5% |
| Return on capital employed % | 6.6% | 5.6% | 4% | 5.5% | 6.3% | 6.1% | 5.8% |
| Return on equity % | 4.7% | 4.2% | -1.3% | 6.8% | 8.5% | 4.6% | 5.3% |
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.