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ING Vysya Bank Ltd.(Amalgamated) Stock Analysis

Mid Cap
Evaluated by 1273 users | BSE: 531807 | NSE: INGVYSYABK |
Bank - Private
Vysya Bank, incorporated in 1930, is one the leading bank in India. Much later in the year 1985, it became the largest private sector bank. In 1987 the company set up Vysya Bank Leasing.Later 1990 it promoted Vysya Bank Housing Finance. In 2001 the company forayed into insurance business by...

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
ING Vysya Bank Ltd.(Amalgamated) has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
 Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Net Interest Income (Rs. Cr.)3574814464996508301,0071,2091,5391,754
Y-o-Y Gr. Rt.33-34.9%-7.3%11.8%30.3%27.7%21.3%20.1%27.3%13.9%
Total Income1,1241,4481,5512,1072,7882,8543,3494,5265,5886,072
Y-o-Y Gr. Rt.-28.8%7.1%35.9%32.3%2.4%17.3%35.2%23.5%8.7%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
-25.833.399.6916.118.4420.2626.3230.439.634.88
Y-o-Y Gr. Rt.-NA185.8%66.2%14.5%9.9%29.9%15.5%30.3%-11.9%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
249.2799.71108.73139.47155.53185.62208.68258.55292.53369.79
Y-o-Y Gr. Rt.--60%9.1%28.3%11.5%19.4%12.4%23.9%13.1%26.4%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)-0.250.20.50.740.660.740.871.061.21.14
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)2.131.760.950.71.231.20.390.180.180.28
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
ING Vysya Bank Ltd.(Amalgamated) should be analysed on a Consolidated basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income19.4%22%20.3%13.9%
Total Income20.6%16.8%21.9%8.7%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NA13.6%9.8%-11.9%
Book Value per Share
4.5%18.9%21%26.4%
Share Price - - - -
Key Financial Ratios
RATIOS \ YEARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Interest Earned / Total Income88.1684.4581.7779.7680.3478.2480.4585.218785.72
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.483.062.472.072.22.592.712.712.913
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)-6.034.299.4913.6512.5112.7213.414.2514.5811.44
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 24.2327.0128.9231.4826.9632.5834.6434.2832.533.38
Entity Percentage Holding
Promoters 42.35%
Institutions 40.04%
Non-Institutions 17.61%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

MoneyWorks4Me analysed the past 10-year performance of ING Vysya Bank Ltd.(Amalgamated) and arrived at the following conclusion:

Past 10 year's financial track record indicates that ING Vysya Bank Ltd.(Amalgamated) is a average quality company. However, for specific investment actions please connect with your investment advisor.

Data is not available for this company.

Data is not available for this company

Vysya Bank, incorporated in 1930, is one the leading bank in India. Much later in the year 1985, it became the largest private sector bank. In 1987 the company set up Vysya Bank Leasing.

Later 1990 it promoted Vysya Bank Housing Finance. In 2001 the company forayed into insurance business by setting up ING Vysya Life Insurance Company.

In 2002, Dutch banking giant ING took over the

Vysya Bank, incorporated in 1930, is one the leading bank in India. Much later in the year 1985, it became the largest private sector bank. In 1987 the company set up Vysya Bank Leasing.

Later 1990 it promoted Vysya Bank Housing Finance. In 2001 the company forayed into insurance business by setting up ING Vysya Life Insurance Company.

In 2002, Dutch banking giant ING took over the management of the bank and the name was changed to ING Vysya Bank. Today it has presence in over 5 countries, employing over 120000 people and serving 75 million customers across the globe.

ING Vysya Bank Ltd is a premier private sector bank with retail, private and wholesale banking platforms that serve over two million customers. With over 80 years of history in India and leveraging ING’s global financial expertise, the bank offers a broad range of innovative and established products and services, across its 547 branches.

Products and Services

In Personal Banking to offer wide range of products and services in deposits, loans, investments, insurance, forex services, demat services, online services and wealth management services.

In NRI banking it offers money transfer, Investment products such as International deposit, Mutual fund, online share trading, etc; also offer property solution, insurance loan.

In Business banking it caters to SME, Retails, NRI and other corporates offering spectrum of products and services.

The bank also provides wealth management services through ING Wealth Management Services.Awards

2011
ING was included in the 2011 DJSI World Index - the longest-running global sustainability benchmarks worldwide and the FTSE4 Good which is designed to measure the performance of companies that meet globally recognised corporate responsibility standards.

ING Vysya Bank was ranked among top 5 Most Trusted Brands among private sector banks in India in the Economic Times Brand Equity - Neilsen survey 2011.

2012

ING Vysya Bank was awarded the 'Safest Banker' by The New Indian Express, one of India's premier publications, at The Sunday Standard FINWIZ 2012 - Best Bankers’ Award.

2013
ING Vysya Bank won the Best Private Sector Bank award in Asset Quality category at the ‘Dun & Bradstreet – Polaris Banking Awards 2013’ announced on August 22.


Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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