How the bank is judged
ROA & ROE: the bank's bottom-line report card
Profit measured against the bank's assets, and against shareholders' money.
Why it matters
These are the final scores after every other lever plays out — and knowing why a "1% return" is actually good for a bank is a real edge.
A worked example
₹1,200 cr profit = 1.2% ROA, but ~10× leverage turns that into 12% ROE — a thin asset return magnified for shareholders.
The picture
What it leads to
Where it sits in the map
Follow the causation