Equity Analysis

Particulars	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Credit-Deposit(%)	83.67	79.75	80.95	86.52	90.54
Investment / Deposit (%)	29.95	29.62	31.16	32.11	33.84
Cash / Deposit (%)	7.93	7.79	4.77	5.14	5.85
Interest Expended / Interest Earned (%)	43.12	45.05	50.72	55.52	57.39
Other Income / Total Income (%)	15.37	17.65	19.34	18.03	18.63
Operating Expenses / Total Income (%)	25.47	25.49	21.79	23.69	23.06
Interest Income / Total Funds (%)	7.29	6.54	6.80	7.25	6.87
Interest Expended / Total Funds (%)	3.14	2.95	3.45	4.03	3.94
Net Interest Income / Total Funds (%)	4.15	3.59	3.35	3.22	2.93
Non Interest Income / Total Funds (%)	1.32	1.40	1.63	1.59	1.57
Operating Expenses / Total Funds (%)	2.19	2.02	1.84	2.10	1.95
Profit before Provisions / Total Funds (%)	3.28	2.97	3.13	2.72	2.54
Net Profit / Total funds (%)	2.13	1.77	1.39	0.77	0.36
RONW (%)	17.48	14.97	12.56	7.25	3.24