Consolidated figures
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Margins | ||||
| PAT margin % | 6% | 10.4% | 7.7% | 9.9% |
| Return ratios | ||||
| Return on assets % | 0.3% | 0.6% | 0.5% | 0.7% |
| Return on capital employed % | 3.9% | 4.7% | 5.3% | 5.8% |
| Return on equity % | 3.8% | 7.1% | 6.1% | 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.