Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | -8.7% | -7.8% | 4.2% | |||||
Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | -8.7% | -7.8% | 4.2% | |||||
| 7.7% |
| 10.4% |
| 13.7% |
| 16.7% |
| 17.6% |
| Return ratios | ||||||||
| Return on assets % | -0.6% | -0.5% | 0.3% | 0.4% | 0.7% | 1% | 1.2% | 1.2% |
| Return on capital employed % | 0.9% | 4.7% | 5.9% | 4.4% | 5% | 6.5% | 6.7% | 6.3% |
| Return on equity % | -11.1% | -8.6% | 4.5% | 7.4% | 10.8% | 14.1% | 15.9% | 14.5% |
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.