ING Vysya Bank Ltd.(Amalgamated) - Stock Valuation and Financial Performance

BSE: 531807 | NSE: INGVYSYABK | Bank - Private | Small Cap

BSE Share Price
Not Listed

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ING Vysya Bank Ltd.(Amalgamated) stock performance -

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P/E Ratio (CD):
29.99
Market Cap:
19,732.6 Cr.
52-wk low:
1,015.7
52-wk high:
1,055.5

Is an attractive stock to invest in?

1. Is a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that ING Vysya Bank Ltd.(Amalgamated) is a average quality company.

2. Is undervalued or overvalued?

No data found

3. Is a good buy now?

No data found

10 Year X-Ray of ING Vysya Bank:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

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'14TTM
Net Interest Income (₹ Cr.)3574814464996508301,0071,2091,5391,7540
YoY Gr. Rt. %-34.9%-7.3%11.8%30.3%27.7%21.3%20.1%27.3%13.9%-
Total Income1,1241,4481,5512,1072,7882,8543,3494,5265,5886,0720
YoY Gr. Rt. %-28.8%7.1%35.9%32.3%2.4%17.3%35.2%23.5%8.7%-
Adj EPS (₹ ) -25.83.49.716.118.420.326.330.439.634.934.3
YoY Gr. Rt. %-NA185.8%66.2%14.5%9.9%29.9%15.5%30.3%-11.9%-
BVPS (₹ )249.399.7108.7139.5155.5185.6208.7258.6292.5369.8363.5
YoY 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 (%)-0.30.20.50.70.70.70.91.11.21.10
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)2.11.810.71.21.20.40.20.20.3-
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)-----------

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income19.4%22%20.3%13.9%
Total Income20.6%16.8%21.9%8.7%
Adj EPSNA13.6%9.8%-11.9%
BVPS4.5%18.9%21%26.4%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14TTM
Interest Earned / Total Income88.1684.4581.7779.7680.3478.2480.4585.218785.72NAN
Margins To view Margins Colour Rating Guide click here
NIM (%)2.53.12.52.12.22.62.72.72.930
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)-64.39.513.712.512.713.414.314.611.40
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)24.22728.931.52732.634.634.332.533.4-

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - ING Vysya Bank Ltd.(Amalgamated)

Standalone Consolidated
TTM EPS (₹) 31.7 34.3
TTM Sales (₹ Cr.) 5,629 5,205
BVPS (₹.) 390.3 363.5
Reserves (₹ Cr.) 7,302 6,787
P/BV 2.63 2.83
PE 32.44 29.99
From the Market
52 Week Low / High (₹) 1015.70 / 1055.50
All Time Low / High (₹) 26.21 / 1055.50
Market Cap (₹ Cr.) 19,733
Equity (₹ Cr.) 192
Face Value (₹) 10
Industry PE 17.6

Management X-Ray of ING Vysya Bank:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of ING Vysya Bank

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Income 1,123.651,447.591,550.542,106.902,788.032,853.783,348.654,526.465,588.336,072.06
Interest Income 990.581,222.441,267.881,680.442,239.892,232.832,693.943,856.934,861.675,205.27
Other Income 133.08225.15282.66426.45548.13620.94654.72669.54726.66866.79
Expenditure 1,159.311,416.051,460.691,941.952,598.852,610.723,030.244,070.104,975.155,414.14
Interest Expense 633.82741.25822.021,181.881,590.261,4031,687.412,648.263,322.623,451.74
Operating Expenses 386.85528.59497.90609.54772.36807.471,025.871,110.071,272.611,492.53
Provisions138.64146.21140.77150.53236.23400.25316.96311.77379.93469.87
Profit Before Tax-69.7946.56131.95259.48295.24372.86483.78654.41901.86978.01
Taxes -34.1315.0242.1094.52106.06129.80165.36198.04288.68320.09
Profit After Tax -35.6631.5489.85164.95189.18243.06318.41456.36613.18657.92
Adjusted EPS (₹)-25.843.399.7016.1018.4420.2626.3230.4039.6034.88
Dividend Payout Ratio (%)0%0%7%9%11%12%11%13%14%17%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14

Equity and Liabilities

Share Capital 22.7190.7290.90102.47102.60119.97120.99150.12154.85188.64
Total Reserves 660.80925.431,008.261,436.231,601.962,214.852,508.033,834.734,477.876,889.01
Minority Interest0000000000
Deposits12,569.3813,335.2415,413.5420,496.0124,885.6025,861.7630,191.2135,190.8841,329.0441,212.24
Borrowings 830.781,107.45843.551,249.813,185.323,671.394,146.915,696.496,511.269,668.48
Other Liabilities 1,282.841,314.431,920.832,256.482,093.012,013.342,047.522,112.542,364.202,455.03
Total Liabilities 15,366.5016,773.2719,277.1025,54131,868.5033,881.3039,014.6646,984.7654,837.2260,413.40

Assets

Balance with RBI 666.67841.65945.812,263.531,791.022,329.592,183.781,982.371,944.723,295.20
Balance with Banks448.35283.84645.89921.23490.60697.46337.661,248.22888.762,530.88
Investments 4,167.804,363.164,517.056,291.3110,493.4410,470.8211,056.1712,713.4018,276.1316,718.66
Advances 9,080.6110,231.6311,976.1614,649.5516,756.3818,507.1923,602.1428,721.4031,772.0335,828.85
Net Block 294.29278.56268.28257.48262.82263.64462.55461.47452.95472.99
Other Assets690.22646.94795.501,016.011,899.671,380.111,331.831,818.331,455.741,515.06
Total Assets 15,366.5016,773.2719,277.1025,54131,868.5033,881.3039,014.6646,984.7654,837.2260,413.40

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Cash Flow From Operating Activity 128.28-198.18315.041,426.66-2,250.24-37.61-923.45-1,720.47-1,215.68-1,930.01
Cash Flow From Investing Activity -8.76-77.45-26-35.81-74.98-100.32-42.68-47.58-50.31-82.60
Cash Flow From Financing Activity -9.34286.10177.17202.211,421.68883.35460.542,477.20868.885,005.21
Net Cash Flow 110.1810.47466.211,593.06-903.54745.42-505.60709.15-397.112,992.60
PARTICULARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14

Operational & Financial Ratios

EPS (₹)-2631016182026304035
DPS (₹)0012233466
BVPS (₹)249100109139156186209259293370

Margin Ratios

Yield on Advances (%)10.912.010.611.513.412.111.413.415.314.5
Yield on Investments (%)5.27.96.75.94.95.76.67.87.38.7
Cost of Liabilities (%)4.75.15.15.45.74.84.96.57.06.8
NIM (%)2.53.12.52.12.22.62.72.72.93.0
Interest Spread (%)6.26.85.56.07.77.36.57.08.47.7

Performance Ratios

ROA (%)-0.30.20.50.70.70.70.91.11.21.1
ROE (%)-6.04.39.513.712.512.713.414.314.611.4
ROCE (%)2.99.111.916.712.611.112.714.015.812.4

Efficiency Ratios

Cost to Income Ratio (%)79.074.868.365.964.555.761.859.156.257.0
Operating Costs to Assets (%)2.53.22.62.42.42.42.62.42.32.5

Valuation Parameters

Price/Book(x)0.61.41.62.40.81.51.51.41.91.7

ING Vysya Bank Ltd.(Amalgamated) Stock News

ING Vysya Bank Ltd.(Amalgamated) FAQs

Company share prices are keep on changing according to the market conditions. The closing price of ING Vysya Bank on 01-Jan-1970 05:30 is ₹0.00.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Jan-1970 05:30 the market cap of ING Vysya Bank stood at ₹19,732.6.
The latest P/E ratio of ING Vysya Bank as of 01-Jan-1970 05:30 is 32.44.
The latest P/B ratio of ING Vysya Bank as of 01-Jan-1970 05:30 is 2.63.
The 52-week high of ING Vysya Bank is ₹1,055.5 and the 52-week low is ₹1,015.7.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of ING Vysya Bank is ₹5,629 ( Cr.) .

About ING Vysya Bank Ltd.(Amalgamated)

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.


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