Consolidated figures
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Margins | |||||
| PAT margin % | 0.7% | 10.7% | 12.4% | 13.8% | 14.8% |
| Return ratios | |||||
| Return on assets % | 0% | 0.7% | 0.9% | 1% | 1% |
| Return on capital employed % | 4.3% | 5.2% | 6.2% | 6.5% | 6.4% |
| Return on equity % | 0.8% | 11.6% | 12.1% | 12.9% | 12.8% |
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.