Consolidated figures
| Ratio | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Margins | |||||||
| PAT margin % | 7.8% | 8.6% | 12.8% | 16.5% | 15.8% | 16.4% | 16.8% |
| Return ratios | |||||||
| Return on assets % | 0.5% | 0.5% | 0.7% | 1% | 1% | 1.1% | 1% |
| Return on capital employed % | 4.8% | 4.5% | 4.6% | 5.2% | 6.3% | 6.5% | 6.1% |
| Return on equity % | 8.4% | 8.7% | 12.2% | 16.1% | 16.2% | 15.9% | 14.1% |
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.