8/3/2019 Final Presentation of Ing Vysya Bank Mohit Mohta

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ING VYSYA BANK

Mohit Mohta

ING VYSYA BANK LIMITED

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ING OVERVIEW

Set up in Bangalore in 1930

Total of 510 branches as of FY 10-11

Mission : Low cost provider of financialServices as well as client focused and

innovative.

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DEPOSITS

ING VYSYA BANK LIMITED 3

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WEALTH MANAGEMENT

How often do you ask yourself?

What can I do today to plan for a comfortable

retirement?

How will we finance our childs college expenses?How will we finance our childs marriage?Do I have enough insurance to protect my family?

SO NOW WHAT ???

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WORKING CAPITAL

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CREDIT APPRAISAL

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DEPOSIT TRENDS

7

26.97%

32.58%34.64%

19.20%

23.70%

27.20%

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

40.00%

31-3-2009 31-3-2010 31-3-2011

CASA %

Ing Vysya Bank IndusInd Bank

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OPERATING EFFICIENCY

8ING VYSYA BANK LIMITED

6.83%

5.33% 5.25%

8.22%

6.82%

6.32%

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

31-03-2009 31-3-2010 31-3-2011

Cost Of Deposit

Ing Vysya Bank Cost Of deposits IndusInd Bank Cost Of deposits

64.52%

55.73%61.75%

59.7

7

%

51.1

2%

48.2

5%

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

31-3-2009 31-3-2010 31-3-2011

Cost Income Ratio

Ing Vysya Bank Indusind Bank

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INCOME & PROFIT PERFORMANCE

9ING VYSYA BANK LIMITED

0

500

1000

1500

2000

2500

31-3-2009 31-3-2010 31-3-2011

1197.21419.3

1661.4

915.28

1439.9

2090.15

Total Income

Ing Vysya Bank IndusInd Bank

0

200

400

600

31-3-2009 31-3-2010 31-3-2011

188.9242.3

318.6

148.34

350.32

577.32

Net Profit

Ing Vysya Bank IndusInd Bank

0

2000

4000

31-3-2009 31-3-2010 31-3-2011

649.6 829.8 1006.5

459.03

886.421376.49

Net Interest Income

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ASSET QUALITY

10ING VYSYA BANK LIMITED

1.86%

2.96%

2.30%

1.61%1.23% 1.01%

0.00%

1.00%

2.00%

3.00%

4.00%

31-3-2009 31-3-2010 31-3-2011

Gross NPA

IngVysya Bank IndusInd Bank

1.20%

1.20%

0.39%

1.14%

0.50%

0.28%

0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40%

31-3-2009

31-3-2010

31-3-2011

NET NPA

IndusInd Bank Ing Vysya Bank

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BALANCE SHEET RATIO

12.94%

14.91%

11.65%

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

31/3/2011 31/3/2010 31/3/2009

Capital Adequacy Ratio

Capital Adequacy Ratio

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SWOT ANALYSIS

Strengths

ING as one on the biggest financial MNC. 7th in 500 fortunes

Only foreign bank which has acquired an Indian private bank (Vysya Bank)

Most of the financial plans are legalized under 80(ccc)

Top notch customer care and staff behavior.

Unique features with different kinds of accounts.

Weakness

Less concentrated in central India.

Weak Marketing strategies.

IBA rules and regulations.

Less number of Branches

Opportunities

New segment of doctors, students and CAs as they like innovation in their financial needs and like to enjoy the services.

High-class (upper strata) population of city.

Increase in different kind of financial products. NGO and Public Relations.

Wealth management is a very big opportunity as it ING has been into this business since its lead time.

Threats

Presence of two top private banking players in the market.

Large market share already captured

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FINDINGS

Though the bank is making an effort to branch out to other parts of the

country and reduce the share of South India in its business mix; still, a

major part of the business will continue to be driven from South India

where competition is higher. Inability of the bank to compete with a

number of PSU and old generation private sector banks pose a risk to ING

earnings estimate.

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PERFORMANCE HIGHLIGHTS

Continued improvement across all performance parameters

Net Profit up 31.56% YoY at Rs. 318.7 crores

CASA up 24.11% and CASA Ratio at 34.64%; up from 32.58%

Gross Advances up 27.76% at Rs. 24,060 crores Deposits up 16.74% at Rs. 30,194 crores.

ROA at 0.89%

Capital Adequacy at 12.94%

Net NPA at 0.39% against 1.20%

Provision Cover improved to 83.41%

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THANK YOU

ING VYSYA BANK LIMITED 15