Ing Vysya Bank Financials

NSE: INGVYSYABK | BSE: 531807

₹1,027.00

₹-4.80 (-0.47%)

As on 15-Apr-2015IST

Market cap

₹19,733 Cr

Revenue (TTM)

₹5,629 Cr

P/E Ratio

32.4

P/B Ratio

2.6

Div. Yield

0.6 %

Income Statement (₹ Cr)	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Interest Earned	5,628.85	5,205.22	4,861.58	3,856.81	2,694.06	2,232.89
Other Income	885.21	867.12	726.88	669.76	654.96	620.22
Total Income	6,514.06	6,072.34	5,588.46	4,526.56	3,349.02	2,853.11
Interest Expended	3,706.02	3,452.07	3,322.95	2,648.46	1,687.54	1,403.05
Operating Expenses	1,583.25	1,492.73	1,272.82	1,110.21	1,026.02	808.10
Operating Profit before Prov. & Cont.	1,224.79	1,127.54	992.69	767.90	635.47	641.95
Provisions and Contingencies	252.56	149.78	91.24	113.73	151.60	270.45
Profit Before Tax	911.14	977.76	901.44	654.17	483.86	371.50
Taxes	302.81	319.91	288.48	197.87	165.22	129.29
Profit after Tax	608.33	657.85	612.96	456.30	318.65	242.22
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	--	657.85	612.96	456.30	318.65	242.22

Liabilities (₹ Cr)	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Shareholder's Funds	7,449.55	7,071.34	4,626.80	3,979.79	2,624.28	2,330.92
Minority Interest	--	--	--	--	--	--
Deposits	44,651.79	41,216.77	41,334.00	35,195.42	30,194.25	25,865.30
Borrowings	9,990.97	9,668.48	6,511.26	5,696.49	4,146.91	3,671.39
Other Liabilities & Provisions	2,489.66	2,456.64	2,364.39	2,112.05	2,048.53	2,012.64
Total Liabilities	64,581.97	60,413.23	54,836.44	46,983.75	39,013.97	33,880.24

Assets (₹ Cr)	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Cash and Balance with Reserve Bank of India	2,407.23	3,295.20	1,944.72	1,982.37	2,183.78	2,329.59
Balances with Banks and Money at Call	261.09	2,530.87	888.75	1,248.19	337.64	697.46
Investments	20,263.90	16,720.76	18,278.23	12,715.50	11,058.27	10,472.92
Advances	39,557.77	35,828.85	31,772.03	28,721.40	23,602.14	18,507.19
Net Block	525.85	505.82	483.74	490.22	489.25	288.33
Other Assets	1,566.13	1,513.04	1,453.12	1,815.50	1,329.30	1,377.15
Miscellaneous Exp. Not Written Off	--	--	--	--	--	--
Total Assets	64,581.97	60,413.23	54,836.44	46,983.75	39,013.97	33,880.24

Cashflow (₹ Cr)	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Cash From Operating Activities	--	-1,930.36	-1,215.65	-1,720.59	-924.12	-37.61
Cash Flow from Investing Activities	--	-82.30	-50.36	-47.51	-42.68	-100.32
Cash from Financing Activities	--	5,005.26	868.92	2,477.24	461.18	883.35
Net Cash Inflow / Outflow	--	2,992.60	-397.09	709.14	-505.62	745.42

Financials Ratios	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Adjusted EPS (₹)	--	34.87	39.58	30.40	26.34	20.19
Cash EPS (₹)	--	37.91	42.87	33.71	30.28	23.61
Adjusted Book Value (₹)	--	369.43	292.09	258.10	208.14	185.04
Dividend per Share (₹)	--	6.00	5.50	4.00	3.00	2.50
Cash Flow per Share (₹)	--	-102.33	-78.50	-114.61	-76.38	-3.13
Free Cash Flow per Share (₹)	--	-114.85	-88.39	-125.43	-98.97	-41.44

Profitability Ratios	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Yield on Advances	--	14.53	15.30	13.43	11.41	12.06
Yield on Investments	--	8.71	7.32	7.82	6.59	5.71
Interest Spread	--	7.74	8.36	6.95	6.50	7.31
NIM (%)	3.37	3.00	2.91	2.71	2.71	2.59
ROE (%)	8.38	11.45	14.60	14.28	13.45	12.72
ROA (%)	1.01	1.14	1.20	1.06	0.87	0.74
Cost to Income Ratio	--	56.97	56.18	59.11	61.75	55.73

Growth Ratios	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Revenue Growth (%)	9.24	7.07	26.05	43.16	20.65	-0.31
EBIT Growth (%)	6.90	13.58	29.27	20.84	-1.01	51.11
Net Profit Growth (%)	12.74	7.32	34.33	43.20	31.56	28.31
EPS Growth (%)	-20.87	-11.90	30.23	15.41	30.45	9.74
Book Value Growth (%)	6.69	54.07	16.73	53.87	13.44	39.65

Valuation Ratios	TTM	Mar-14	Mar-13	Mar-12	Mar-11	Mar-10
Price / Earnings	32.44	18.01	14.09	11.71	12.20	13.84
Price / Book Value	2.63	1.70	1.91	1.38	1.54	1.51
Dividend Yield (%)	0.58	0.96	0.99	1.12	0.93	0.89
EV/EBITDA	21.31	19.08	15.26	14.38	12.64	10.94
Close Price (₹)	868.70	634.90	557.05	355.10	321.05	276.30
High Price (₹)	887.50	667.00	627.40	381.70	444.00	327.40
Low Price (₹)	493.00	405.50	307.50	275.00	272.15	123.35
Market Cap (₹ Cr)	19,732.57	11,847.26	8,636.96	5,342.90	3,886.70	3,352.46

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)