ING VYSYA BANK

 Formed from the 2002 acquisition of an equity stake in

Indian Vysya Bank by the Dutch ING Group
A premier private sector bank with retail, private and
wholesale banking platforms that serve over two million
customers
The bank offers a broad range of innovative and
established products and services, across its 573 branches
Strong employee base of 10000

About

 Deep presence in south India especially in Andhra,

Telangana and Karnataka.
Best in class SME portfolio
Serving international clients because of INGs
International relations
Bank was ranked among top 5 Most Trusted Brands
among private sector banks in India in the Economic
Times Brand Equity Neilsen survey 2011.

About

 Through education ING support 10,000 children to

continue their schooling across India
Created a team of 50 women trainers to provide training
to rural communities on financial discipline
Focus on inclusive growth trained 60,000 people on
financial literacy.

Corporate Social Responsibility

10

11

Net Income

Other Income

NPA

Capital adequacy ratio (%)

18
16

16.67
14.91
12.94

14

14

13.24

12
10
8
6
4
2
0

2010

2011

2012

Capital adequacy ratio (%)

CAR

2013

2014

Return On Assets

17

Return On Equity

18

Earnings Per Share

19

P/B Ratio (%)

2.5
2
1.51
1.5

1.91
1.54

1.7
1.38

1
0.5
0
2010

2011

2012

2013

2014

P/B Ratio

Price To Book

20

Stock Price Movement

21

ING

Bank Nifty

Comparison

22

P/E RATIO( PERCENTAGE)

35
30
25
20
15
10
5
0
-5
-10

P/E
RATIO( PERCENTAGE)

PRICE TO BOOK RATIO

5
4.5
4
3.5
3
2.5
2
1.5
1
0.5
0

PRICE TO BOOK RATIO

NON INTEREST INCOME/TOTAL FUNDS

1.6
1.4
1.2
1
0.8
0.6
0.4
0.2
0

NON INTEREST
INCOME/TOTAL FUNDS

RETURN ON NETWORTH
30
20
10
0
-10
-20
-30
-40

RETURN ON
NETWORTH

NET INTEREST INCOME/TOTAL FUNDS

5
4.5
4
3.5
3
2.5
2
1.5
1
0.5
0

NET INTEREST
INCOME/TOTAL FUNDS

CAPITAL ADEQUACY RATIO

18
16
14
12
10
8
6
4
2
0

CAPITAL ADEQUACY
RATIO

 Focussed Assets Growth-Retail: Focus primarily on

growth in Business Banking/SME, Mortgages,
Agriculture and selective focus on Gold Loans and
Personal Loans
Wholesale: Leverage ING Global relationships to
service domestic clients, deepen relationships with large
Indian corporate and greater support and co-ordination
with International Clients Group. Grow the share of
Emerging Corporates (EC) in the local currency balance
sheet.

Future Strategies

29

 Retail: Continue to grow footprint in Northern and

Western parts of the country, while consolidating in the
South
Derive value from investments made in branch
expansion and continue to drive efficiency and
productivity of existing network
Focused efforts to further scale retail fee engine
Wealth Management, Trade & Forex, Asset related fees

Future Strategies (Contd..)

30

 Improve Operating Effeciency-Continuous improvement

in technology platform for cost efficient & customer
centric model
Increase per branch productivity closer to best in class.
Increase the share of customer wallet through new
product introductions and deepen existing relationshipS

Future Strategies (Contd..)

31

 Increase Low cost liabilities-Deepen customer

relationships with products servicing multiple target
segments including a strategic push on Current Account
of the Business Banking/SME customer.
Focus on operating account for corporate/salaried
segment.

Future Strategies (Contd..)

32

THANK
YOU
33