Years Mar 2010 Mar 2009 Mar 2008 Credit-Deposit(%) 95.04 95.93 88.74 Investment / Deposit (%) 53.28 46.35 42.68 Cash / Deposit (%) 10.72 10.14 10.12 Interest Expended / Interest Earned (%) 68.44 73.09 76.28 Other Income / Total Income (%) 22.54 20.82 22.38 Operating Expenses / Total Income (%) 17.66 19.25 20.73 Interest Income / Total Funds (%) 6.91 7.97 8.26 Interest Expended / Total Funds (%) 4.73 5.83 6.30 Net Interest Income / Total Funds (%) 2.18 2.14 1.96 Non Interest Income / Total Funds (%) 2.01 2.10 2.38 Operating Expenses / Total Funds (%) 1.58 1.94 2.21 Profit before Provisions / Total Funds (%) 2.62 2.30 2.14 Net Profit / Total funds (%) 1.08 0.96 1.12 RONW (%) 7.96 7.83 11.75