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ChangeING Vysya Bank is one of the oldest private sector banks in the country, in which the ING Group of the Netherlands holds a 44% stake. The bank has a large regional exposure in the southern region. Thanks to capital infusion by parent ING Bank N.V's, ... More
Deutsche Bank AG is a German global banking and financial services company with headquarters located in the Deutsche Bank Twin Towers in Frankfurt, Germany. It employs around 100,000 people in over 70 countries, and has a large presence in Europe, th... More
 ING VYSYA BANK  DEUTSCHE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| ING VYSYA BANK Mar-14 |
DEUTSCHE BANK Dec-14 |
ING VYSYA BANK/ DEUTSCHE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 667 | 2,906 | - | |
| Low | Rs | 406 | 1,710 | - | |
| Income per share (Unadj.) | Rs | 275.9 | 1,368.2 | - | |
| Earnings per share (Unadj.) | Rs | 34.9 | 92.5 | - | |
| Cash flow per share (Unadj.) | Rs | 123.0 | 1,597.6 | - | |
| Dividends per share (Unadj.) | Rs | 6.00 | 56.61 | - | |
| Avg Dividend yield | % | 1.1 | 2.5 | 45.6% | |
| Book value per share (Unadj.) | Rs | 375.2 | 3,740.5 | - | |
| Shares outstanding (eoy) | m | 188.64 | 1,379.27 | - | |
| Bonus/Rights/Conversions | PI | - | - | ||
| Avg Price / Income ratio | x | 1.9 | 1.7 | 115.2% | |
| Avg P/E ratio | x | 15.4 | 24.9 | 61.6% | |
| Avg P/CF ratio | x | 12.5 | 14.9 | 83.9% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.6 | 231.6% | |
| Dividend payout | % | 17.2 | 61.2 | 28.1% | |
| Avg Mkt Cap | Rs m | 101,158 | 3,183,601 | 3.2% | |
| No. of employees | `000 | NA | 98.1 | 0.0% | |
| Total wages & salary | Rs m | 9,177 | 944,406 | 1.0% | |
| Avg. income/employee | Rs Th | NM | 19,228.8 | - | |
| Avg. wages/employee | Rs Th | NM | 9,623.2 | - | |
| Avg. net profit/employee | Rs Th | N.A. | 1,300.6 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 52,053 | 1,887,075 | 2.8% | |
| Other income | Rs m | 8,668 | 1,334,260 | 0.6% | |
| Interest expense | Rs m | 34,517 | 809,825 | 4.3% | |
| Net interest income | Rs m | 17,535 | 1,077,251 | 1.6% | |
| Operating expense | Rs m | 14,925 | 2,072,303 | 0.7% | |
| Gross profit | Rs m | 2,610 | -995,053 | -0.3% | |
| Gross profit margin | % | 5.0 | -52.7 | -9.5% | |
| Provisions/contingencies | Rs m | 1,500 | 85,594 | 1.8% | |
| Profit before tax | Rs m | 9,778 | 218,892 | 4.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 18,417 | 0.0% | |
| Minority Interest | Rs m | 0 | -2,113 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,198 | 107,559 | 3.0% | |
| Profit after tax | Rs m | 6,579 | 127,637 | 5.2% | |
| Net profit margin | % | 12.6 | 6.8 | 186.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 358,289 | 30,615,594 | 1.2% | |
| Deposits | Rs m | 412,122 | 40,225,632 | 1.0% | |
| Credit/Deposit ratio | x | 86.9 | 76.1 | 114.2% | |
| Yield on advances | % | 10.6 | 0 | - | |
| Cost of deposits | % | 6.6 | 0 | - | |
| Net Interest Margin | % | 3.0 | 1.4 | 219.3% | |
| Net fixed assets | Rs m | 5,248 | 219,571 | 2.4% | |
| Share capital | Rs m | 1,886 | 266,520 | 0.7% | |
| Net worth | Rs m | 70,782 | 5,159,133 | 1.4% | |
| Borrowings | Rs m | 96,685 | 10,932,297 | 0.9% | |
| Investments | Rs m | 167,187 | 76,337,755 | 0.2% | |
| Total assets | Rs m | 604,134 | 128,972,902 | 0.5% | |
| Debt/equity ratio | x | 7.2 | 9.9 | 72.5% | |
| Return on assets | % | 1.1 | 0.1 | 1,100.4% | |
| Return on equity | % | 9.3 | 2.5 | 375.7% | |
| Capital adequacy ratio | % | 16.8 | 15.0 | 111.7% | |
| Net NPAs | % | 0.3 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -19,300 | -47,552 | 40.6% | |
| From Investments | Rs m | -826 | -967,956 | 0.1% | |
| From Financial Activity | Rs m | 50,052 | 639,844 | 7.8% | |
| Net Cashflow | Rs m | 29,926 | -375,664 | -8.0% | |
Compare ING VYSYA BANK With: WELLS FARGO (US)
Compare ING VYSYA BANK With: IDBI BANK CITY UNION BANK KOTAK MAH. BANK INDIAN BANK DCB BANK
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After opening the day flat, share markets in India continued to witness selling pressure and are currently trading in red. Sectoral indices are trading on a mixed note with stocks in the metals sector.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
Asset quality will be the key thing to watch out for going forward.
Almost 74% of the watchlist as provided by the bank of Rs 226 billion in FY16 has turned into non-performing assets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
State Bank of India (SBI) ended FY17 on a healthy note but concerns on bad loans from associate banks remain.
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