Standalone figures
| Ratio | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||
| PAT margin % | 5.8% | -87.1% | -17.3% | |||||
| 5.6% |
| 3.2% |
| 4.5% |
| 7.8% |
| 11.5% |
| Return ratios | ||||||||
| Return on assets % | 0.5% | -8.8% | -1.3% | 0.3% | 0.2% | 0.3% | 0.6% | 0.7% |
| Return on capital employed % | 6.7% | -3.3% | 3.1% | 5% | 4.9% | 5.8% | 6.3% | 6% |
| Return on equity % | 6.4% | -104.6% | -10.4% | 3.2% | 1.8% | 3% | 5% | 6.8% |
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.