Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 10.9% | 12.9% | 0.3% | -14.7% | 26.4% | 22.6% | 11.4% | 10% |
| Return ratios | ||||||||
| Return on assets % | 1.4% | 1.9% | 0% | -1.8% | 3.3% | 3.2% | 1.5% | 1.2% |
| Return on capital employed % | 1.5% | 9.8% | 5.8% | 2.3% | 2% | 11.1% | 8.5% | 7.7% |
| Return on equity % | 10.9% | 11.1% | 0.3% | -15% | 26.5% | 22.8% | 11.9% | 10.2% |
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.