Analysis of ING Vysya Bank

Particular(in cr.) Operating Profit Total Income Interest Earned Net Profit For The Year Capital Adequacy Ratio Return on Net Worth(%) Return on Assets Including Revaluations Deposits Advances Total Assets Net Worth Mar12 2,632.87 4,526.57 3,856.81 456.30 14.00 Mar11 1,516.44 3,349.03 2,694.06 318.65 14.91 Mar10 1154.37 2,822.38 2,232.89 242.22 14.91 Mar9 1337.25 2,787.56 2,239.89 188.78 11.65 Mar8 1014.95 2,078.63 1,680.44 154.95 10.20 Mar7 792.62 1,595.70 1,401.38 88.91 10.56 Mar6 572.46 1,412.75 1,222.43 9.06 10.67 Mar5 439.87 1,111.08 990.58 38.18 9.09 Mar4 391.25 1,287.42 924.15 59.00 11.05 Mar3 452.90 1,262.83 904.50 86.35 9.81

11.77 265.00

12.65 216.75

10.91 194.05

11.87 165.53

11.00 149.86

9.36 121.37

1.11 112.40

-5.65 312.39

9.77 0.45

13.64 0.75

35,195.42 28,736.67 47,000.53 3,979.79

30,194.25 23,602.14 39,013.98 2,624.29

25,865.30 18,507.19 33,880.24 2,330.92

24,889.92 16,750.93 31,856.99 1,702.89

20,498.06 14,649.55 25,539.90 1,535.66

15,418.59 11,976.17 19,286.30 1,103.28

13,335.2 6 10,231.5 3 16,766.6 7 1,019.67

12,569.31 9,080.59 15,357.04 841.79

10,478.07 7,046.51 13,198.33 747.32

9,186.62 5,611.61 11,597.00 706.80

ING (International Netherlands Group) Vysya Bank (Kannada: .

) is a Bangalore-based private bank with

retail, wholesale, and private banking platforms formed from the 2002 acquisition of an equity stake in Indian Vysya Bank by the Dutch ING Group. This merger marks the first between an Indian bank and a foreign bank.[3] Prior to this transaction, Vysya Bank had a sevenyear old strategic alliance with erstwhile Belgian bank Banque Bruxelles Lambert, which was also acquired by ING Group in 1998. As of June 30, 2012, ING Vysya has assets totaling INR 487.3 billion ($8.9 billion) and operates a pan-India network of over 1,000 outlets, including 527 branches, which service over two million customers. ING Group, the highest-ranking institutional shareholder, currently holds a 44% equity stake in ING Vysya Bank, followed by Aberdeen Asset Management, private equity firm ChrysCapital, Morgan Stanley, and Citigroup, respectively. ING Group also maintains a presence in India through shareholding in ING Vysya Life Insurance Company and ING Investment Management (India). Current Operations ING Vysya Bank has over 80 years of operating experience in the banking/financial services & insurance sector and currently serves over 2 million Indian consumers. The bank offers an entire range of financial products and services, organized under three strategic lines of business: retail, private and wholesale banking. Retail Banking With 527 branches and 10 counters, 28 satellite offices and 470 ATM's nationwide, ING Vysya's retail operation offers checking accounts, savings deposits/CD's, retail wealth management services, consumer loans, agricultural/rural banking and retail life insurance products. The bank has rapidly expanded its distribution footprint and has created a national brand presence through several innovative marketing campaigns.

Private Banking ING Vysya's private bank operates on an advisory-driven model. Specialized market research remains the bank's focus for the introduction of new tailored products to serve the high-end private banking segment. Commercial/Wholesale Banking The wholesale banking business provides corporate clients in India a range of commercial, transactional and electronic banking products. The bank offers client focused products including working capital finance, trade and transactional services, foreign exchange, term loans and cash management services. The wholesale banking business comprises four business sub-segments and multiple product offerings. The business segments Corporate and Investment Banking, Emerging Corporates, Banking and Financial Institutions and financial markets. Agriculture and Rural Banking Agriculture and Rural Banking deals with all business related to agriculture and allied activities, Gold Loans, loans to SHGs and lending to government sponsored schemes. Working Capital and Agriculture Term Loans for Poultry, Dairy, Cold storage units etc. are also being offered to cater diverse needs of the farming community. The Bank has accelerated retail agricultural lending at a few places in North India and Central India especially in Rajasthan, Uttarakhand, Maharashtra, Gujarat and Madhya Pradesh.

Operating profit has increased 481.33% from march 2003 Total income has increased 258.44% from march 2003 Interest earned has 326.40% from march 2003 Net profit has increased 428.43% from march 2003 Capital adequacy ratio has incresed every year since March 2003 which shows bank become vulnerable to reasonable amount of profit. Return on net worth for ING vysya bank has also decreased 13% since march 2003 which shows that bank has slowly lost his edge of efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE shows how well a company uses investment funds to generate earnings growth. Deposit has increased 283.13% since March 2003. Advances have also increased 412.09% since March 2003. Total assets have increased 305.28% since March 2003. Net worth has increased 463.80% since March 2003.
ANKESH ANAND 13022 SEC (B)