ING Vysya Bank Limited

ING Vysya Bank — FY2010 Earnings Presentation

18 slides from ING Vysya Bank's earnings presentation, Apr 29, 2010

  1. Slide 1: Annual Results – Financial Year ended 31 March 2010

    Annual Results Financial Year ended 31 March 2010 Investor Presentation Bangalore – 29 April 2010 www.ingvysyabank.com ING VYSYA BANK LIMITED

  2. Slide 2: Key Performance Highlights – FY 2010

    Key Performance Highlights – FY 2010  Continued improvement across all performance parameters • Operating Profit up 51% and PAT up 28% • Net Interest Income (NII) up 28% • Net Interest Margin (NIM) at 3.21%; up from 2.84% in FY 2009 • Cost Income Ratio down to 56% • CASA up 26% and CASA Ratio at 33

  3. Slide 3: Key Performance Highlights – Q4 2010 YoY

    Key Performance Highlights – Q4 2010 YoY  Q4’ 2010 Net Profit up 38% YoY at Rs.67.9 crores  Net Interest Income (NII) up 52% YoY at Rs.247.1 crores  Net Interest Margin (NIM) at 3.58%; up from 2.55% in Q4 2009  Cost Income Ratio down to 51% for the quarter.  Operating Profit up 72% YoY at Rs.21

  4. Slide 4: Performance Highlights – FY 2010

    Performance Highlights – FY 2010 Rs. Crore FY 2010 FY 2009 YoY Growth 829.8 649.6 28% NII Other Income 620.2 547.7 13% 808.1 772.5 5% Operating Cost Operating Profit 642.0 424.8 51% Provisions 270.4 130.2 108% PAT 242.2 188.8 28% * FY 2010 Other Income includes Exceptional Item of Rs. 30.72 crores I

  5. Slide 5: Performance Highlights – FY 2010

    Performance Highlights – FY 2010 Rs. Crore FY 2010 FY 2009 YoY Growth Advances 18,507 16,756 10% Deposits 25,865 24,889 4% CASA 8,427 6,712 26% Gross NPA 2.96% 1.86% Net NPA 1.20% 1.20% Provision Cover 60.2% 36.0% ING VYSYA BANK LIMITED 5

  6. Slide 6: Performance Highlights – Q4 2010

    Performance Highlights – Q4 2010 Rs. Crore Q4 2010 Q4 2009 YoY Growth 247.1 162.4 52% NII Other Income 178.6 147.1 21% 215.3 187.4 15% Operating Cost Operating Profit 210.4 122.0 72% Provisions 106.3 45.5 134% PAT 67.9 49.1 38% * Q4 2010 Other Income includes Exceptional Item of Rs. 30.72 crores ING

  7. Slide 7: Balance Sheet

    Balance Sheet Rs. Crore ING VYSYA BANK LIMITED 7

  8. Slide 8: Profit and Loss

    Profit and Loss Rs. Crore * Q4 2010 and FY 2010 Other Income includes Exceptional Item of Rs. 30.72 crs ING VYSYA BANK LIMITED 8

  9. Slide 9: Key Ratios

    Key Ratios ING VYSYA BANK LIMITED 9

  10. Slide 10: Performance Trends

    Performance Trends Rs. Crore Net Interest Income Other Income 829.8 620.2 649.6 547.7 498.4 418.6 445.6 285.7 FY '07 FY '08 FY '09 FY '10 FY '07 FY '08 FY '09 FY '10 Total Income Net Profit 1,450.1 242.2 1,197.3 188.8 917.0 156.9 731.3 88.9 FY '07 FY '08 FY '09 FY '10 FY '07 FY '08 FY '09 FY '10 ING

  11. Slide 11: Performance Trends

    Performance Trends Yield on Advances & Cost of Deposits Net Interest Margin 11.5% 10.5% 10.5% 9.3% 3.21% 2.79% 2.77% 2.84% 6.3% 6.8% 5.3% 5.3% FY '07 FY '08 FY '09 FY '10 FY '07 FY '08 FY '09 FY '10 Yeild on Advances Cost of Deposits Cost Income Ratio 69.1% 66.5% 64.5% 55.7% FY '07 FY '08 FY '09 FY

  12. Slide 12: Advances and Deposits Trend

    Advances and Deposits Trend Rs. Crore Total Deposits Net Advances 18,507 16,756 24,889 25,865 14,650 20,458 11,976 15,419 ` FY '07 FY '08 FY '09 FY '10 FY '07 FY '08 FY '09 FY '10 CASA Ratio 31.5% 32.6% 28.9% 27.0% FY '07 FY '08 FY '09 FY '10 ING VYSYA BANK LIMITED 12

  13. Slide 13: Composition of Advances

    Composition of Advances Segment wise Composition of Advances – Mar ‘10 Wholesale, 42% Consumer Banking, 23% Consumer Banking Composition – Mar ’10 Business Agri & Rural Banking, 25% Banking, 10% Loan against Other Commercial TD and Consumer and auto Securities 2% loans 5% loans 5% Personal Loans 7%

  14. Slide 14: Asset Quality

    Asset Quality Rs. Crore Gross NPA 557.2 310.9 2.96% 2.55% 313.2 203.2 1.86% 1.38% FY '07 FY '08 FY '09 FY '10 Gross NPA Gross NPA % Net NPA 221.8 200.4 114.0 103.2 0.95% 1.20% 1.20% 0.70% FY '07 FY '08 FY '09 FY '10 Net NPA Net NPA % ING VYSYA BANK LIMITED 14

  15. Slide 15: Shareholders’ Information

    Shareholders’ Information Return on Assets Return on Equity 0.80% 0.74% 0.70% 11.81% 12.03% 11.63% 0.52% 8.34% FY '07 FY '08 FY '09 FY '10 FY '07 FY '08 FY '09 FY '10 Earnings per Share (Rs.)1 Market Capitalisation (Rs. Crore) 21.61 3,478 3,315 18.41 16.47 9.80 1,585 1,330 FY '07 FY '08 FY '09 FY '1

  16. Slide 16: Capital Adequacy and Shareholding Pattern

    Capital Adequacy and Shareholding Pattern Capital Adequacy – Basel II 14.91% 11.65% 4.80% 4.65% 10.11% 7.00% FY '09 FY '10 Shareholding Pattern* Tier I Tier II Private Corp 5.2% Public 12.0% Domestic ING 43.7% Institutions 14.8% Foreign Holding 23.6% Indian Promoters 0.7% * As on 31st Mar 2010 ING V

  17. Slide 17: Network Distribution

    Network Distribution Break-up of 866 Outlets Particulars No. HP Chandigarh 1 Branches 468 2 Delhi Uttarkhand Extension Punjab 13 22 2 Counters 3 Satellite Office 28 Haryana UP Assam 2 15 Bihar 1 ATMs 357 2 Rajasthan 4 MP 2 Jharkhand 2 Gujarat 6 WB D&NH 13 1 Chattisgarh 3 Maharashtra 35 Orrisa 5 Goa

  18. Slide 18: ING Vysya Bank Limited

    ING VYSYA BANK ING &®) ING VYSYA BANK LIMITED 18

ING Vysya Bank — FY2010 Earnings Presentation on 6ix