Equity Analysis

Particulars	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Credit-Deposit(%)	119.35	122.84	123.10	139.83	181.59
Investment / Deposit (%)	51.30	55.30	43.93	33.15	41.65
Cash / Deposit (%)	15.43	9.99	2.68	2.45	3.38
Interest Expended / Interest Earned (%)	36.93	37.94	47.11	36.02	35.79
Other Income / Total Income (%)	7.60	9.04	8.96	10.24	11.21
Operating Expenses / Total Income (%)	39.54	39.90	38.31	31.72	31.82
Interest Income / Total Funds (%)	13.12	12.65	12.85	16.80	17.89
Interest Expended / Total Funds (%)	4.84	4.80	6.06	6.05	6.40
Net Interest Income / Total Funds (%)	8.27	7.85	6.80	10.75	11.49
Non Interest Income / Total Funds (%)	1.08	1.26	1.27	1.92	2.26
Operating Expenses / Total Funds (%)	5.61	5.55	5.41	5.94	6.41
Profit before Provisions / Total Funds (%)	3.74	3.56	2.62	6.70	7.31
Net Profit / Total funds (%)	0.86	-1.25	0.20	2.43	3.05
RONW (%)	5.03	-6.00	0.89	11.40	12.73