final presentation of ing vysya bank mohit mohta
TRANSCRIPT
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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
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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
IngVysya Bank IndusInd Bank
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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