Investor Presentation Q4 FY14 1

Financial Results
Financial year ended 31 March 2014
Investor Presentation
Mumbai 29 April 2014
www.ingvysyabank.com
ING VYSYA BANK LIMITED
Key Performance Highlights FY 2014

Net Profit up 7% to Rs. 6,579 million. Adjusting for the exceptional item, Net Profit up 14% to Rs.
6,982 million from Rs. 6,130 million
Net Interest Income up 14% and non interest income up 19%
Net Interest Margin stable at 3.52%
Operating Profit up 20%
Cost to income ratio at 57.0%. Adjusting for the exceptional item, Cost to income ratio improved to
54.6% from 56.2%.
Return on Assets at 1.20%. Adjusting for the exceptional item, Return on Assets improved to 1.28%
from 1.26%
Customer Assets up 12% to Rs. 385,172 million.
CASA Ratio at 33.4% from 32.5%.
Provision cover at 84.2% from 98.4%
Gross NPA at 1.77% from 1.76% and Net NPA at 0.28% from 0.03%
Capital Adequacy at 16.76% and Tier 1 at 14.63%
Key Performance Highlights Q4 FY14

Net Profit at Rs. 1,391 million. Adjusting for the exceptional item, Net Profit up 5% to Rs. 1,794
million
Net Interest Income (NII) up 11%
Net Interest Margin marginally up to 3.74% from 3.73%
Operating Profit up 9%
Cost to income ratio at 64.0%. Adjusting for the exceptional item, Cost to Income ratio at 55.2%
from 54.4%
Return on Assets at 0.99%. Adjusting for the exceptional item, Return on Assets was at 1.28%
Customer Assets up 12% to Rs. 385,172 million.
CASA Ratio at 33.4% from 32.5%.
Balance Sheet
Rs. Million
As at 31 Mar 2014
Capital and Reserves
As at 31 Mar 2013
Y o Y Growth (%)
70,713
46,268
53%
412,168*
413,340
0%
Borrowings
96,685
65,113
48%
Other Liab. & Provisions
24,566
23,644
4%
604,132
548,364
10%
58,261
28,335
106%
Investments
167,208
182,782
9%
Advances
358,289
317,720
13%
Fixed Assets
5,245
4,996
5%
Other Assets
15,130
14,531
4%
Total Assets
604,132
548,364
10%
As at 31 Mar 2014
As at 31 Mar 2013
Y o Y Growth (%)
Deposits
Total Liabilities
Cash, Inter-bank, etc.
CA
70,079
73,169
4%
SA
67,508
61,183
10%
TD
212,540
212,122
0%
CD
62,041
66,867
7%
412,168
413,340
0%
33.4%
32.5%
Total Deposits
CASA%
* The total deposit was flat primarily on account of capital infusion and foreign currency borrowings of USD 385 million against concessional Fx swap
window opened by RBI during the year which resulted in substitution of wholesale deposits to a certain extent.
Profit & Loss
Rs. Million
Growth Q4 14
over Q4 '13
FY 2014
FY 2013
Growth FY14
over FY13
4,237
11%
17,532
15,386
14%
2,234
2,004
11%
8,671
7,269
19%
Total Income
6,947
6,241
11%
26,203
22,655
16%
Staff expenses
2,185
2,005
9%
8,423
7,507
12%
Other expenses
1,651
1,393
18%
5,893
5,221
13%
Total Expenses
3,836
3,398
13%
14,316
12,728
12%
Operating Profit
3,111
2,843
9%
11,886
9,927
20%
Exceptional Item*
611
Q4 FY14
Q4 FY13
Net Interest Income
4,713
Other Income
Operating Profit after

exceptional item
Provisions
Profit before tax
Taxes
Net Profit
611
2,500
2,843
12%
11,275
9,927
14%
406
336
21%
1,498
912
64%
2,094
2,507
16%
9,778
9,014
8%
703
804
13%
3,199
2,885
11%
1,391
1,703
18%
6,579
6,130
7%
* Exceptional expense on account of retiral cost in the current year
Key Ratios
Q4 FY14
Q4 FY13
FY 2014
FY 2013
Net Interest Margin
3.74%
3.73%
3.52%
3.52%
Yield on Advances
11.69%
11.86%
11.62%
11.88%
7.21%
7.14%
7.25%
7.25%
64.01%(55.22%)*
54.45%
56.97%(54.64%)*
56.18%
0.99%(1.28%)*
1.34%
1.20%(1.28%)*
1.26%
7.91%(10.20%)*
14.97%
10.29%(10.93%)*
14.22%
Cost of Deposits
Cost Income Ratio
Return on Assets
Return on Equity **
CASA Ratio
33.38%
32.50%
33.38%
32.50%
Credit-Deposit Ratio
86.93%
76.87%
86.93%
76.87%
Gross NPA Ratio
1.77%
1.76%
1.77%
1.76%
Net NPA Ratio
0.28%
0.03%
0.28%
0.03%
Provision Coverage Ratio
84.17%
98.40%
84.17%
98.40%
Capital Adequacy Ratio ***
16.76%
13.24%
16.76%
13.24%
* (Cost Income Ratio, Return on Assets and Return on Equity adjusted for exceptional expense amounting to Rs. 611 miiliion on account of retiral cost)
** Equity capital infusion of Rs. 18.36 bilion through a combination of QIP and Preference allotment in July 2013.
*** As per Basel II for 31 Mar 13 and as per Basel III for 31 Mar 14
Presentation Path
Financial Performance
Business Performance
Appendix
Deposit Trends
Growth in CASA (Rs Bn)
Growth in Deposits (Rs Bn)

450
Term
Savings
Current
400
249
259
279
275
75
182
61
73
34
33
43
41
51
64
Mar-09
Mar-10
Mar-11
Mar-12
68
25
33.4%
130
138
Mar-13
Mar-14
27.0%
116
105
50
56
34.3%
5
32.5%
4
32.6%
174
54
Large Inflows
34.7%
100
197
100
CASA (%)
Core CASA (INR Bn)
125
231
200
50
150
302
250
150
412
352
350
300
413
67
84
70
0
Mar-13
Mar-14
Mar-09
Mar-10
Mar-11
Mar-12
Credit-Deposit Ratio (%)

100%
86.9%
90%
78.1%
80%
70%
81.6%
67.3%
76.9%
71.4%
60%
50%
Mar-09
Mar-10
Mar-11
Mar-12
Financials are on a standalone basis and prior year data is restated/re-classified for comparison purposes
Mar-13
Mar-14
Customer Assets Trends

Growth in Customer Assets (Rs Bn)
Composition
YoY Growth
QoQ Growth
Wholesale Banking
33.9%
2.7%
3.3%
Business Banking (SME)
37.7%
24.2%
8.7%
ARB (Agriculture)
9.6%
48.1%
17.4%
Mortgages
14.7%
8.9%
0.5%
Commercial & Auto
1.1%
7.5%
0.4%
Personal Loans
1.0%
28.9%
1.4%
Gold Loan
0.9%
0.1%
10.2%
Others
1.0%
11.1%
8.4%
12.1%
6.1%
385
400
344
350
293
300
241
250
200
Customer Assets Composition (Mar 14)
170
189
150
100
50
0
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Total Customer Assets
Mar-14
Wholesale Banking Industry Portfolio (Mar 14)

Auto
Ancilliary, 4.6%
Food &
Agri, 10.6%
Others*, 19.9%
NBFC - Non
PSA, 6.0%
Textiles, 3.6%
Gem & Jewellery

Retailers, 10.5%
Metals, 2.9%
Infrastructure, 4
.5%
Gems &
jewellery, 5.4%
Construction, 5.
6%
Manufacturing,
8.6%
Business Banking Industry Portfolio (Mar 14)
NBFC PSA, 19.5%
Telecom, 2.4%
Food
Processing, 5.3%
Automobile, 4.5%
Iron & Steel, 2.9%
Trader, 44.2%
Textiles, 4.6%
Professional
Services, 1.8%
Others, 17.7%
Paper, 1.7%
Pharma, 2.9%
*Others includes Chemicals, Rubber & Plastic, Cement, Logistics, Media & Entertainment, IT &
Services, Auto, Mining, Oil & Gas etc.
Rental
Discounting, 4.0%
Contractor, 1.3%
Service
Enterprise, 3.2%
Pharmaceuticals, 1.8
%
Operating Efficiency
Yield on Advances & Cost of Deposits
Yield on advances %
14%
12%
10.54%
70%
Cost of deposits %
11.54%
11.48%
Cost/Income Ratio
11.88%
64.5%
11.62%
56.9%
1.2%
55.7%
10.06%
10%
56.2%
6.83%
4%
5.33%
5.25%
Mar-10
Mar-11
6.99%
7.25%
7.25%
Mar-12
Mar-13
Mar-14
2%
57.0%
2.3%*
54.6%
50%
8%
6%
Cost to income ratio %

Exceptional items %
61.8%
59.1%
30%
Mar-09
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Mar-14
* Exceptional item amounting to Rs. 611 million on account of retiral cost
Business per employee (Rs Mn)*

80
66
70
60
50
46
47
50
Average CASA per Branch (Rs Mn)

200
69
162
56
176
179
179
Mar-12
Mar-13
Mar-14
135
150
114
40
100
30
20
50
10
0
0
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Mar-14
Mar-09
Mar-11
Financials are on a standalone basis and prior year data is

restated/re-classified for comparison purposes
* Business indicates customer assets+ deposits- interbank deposits for the bank
Mar-10
10
Income & Profit Performance

Net Total Income (Rs Mn)
30,000
Exceptional income
Other income
5,000
NII
22,655
11,973
5,477
6,496
307
5,895
8,298
6,550
10,065
10,000
6,698
12,083
8,298
6,496
15,386
3.52%
3.52%
10,065
7,269
14,501
3.5%
12,083
8,671
18,781
16,615
17,532
3.25%
3.2%
3.30%
3.22%
5,000
2.9%
2.84%
0
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Mar-14
2.6%
Mar-09
Net Profit (Rs Mn)
Mar-10
Mar-11
6,130
6,000
6,982
403*
6,579
4,563
Mar-14
Exceptional income
8,671
5,477
5,895
6,550
6,698
7,269
5,000
3,186
1,500
Mar-13
10,000
4,500
1,888
Mar-12
Other Income (Rs Mn)

Other income
Exceptional items
Net profit
3,000
2,422
203
2,219
307
0
0
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Mar-09
Mar-14
* Exceptional item on account of retiral cost

3.8%
15,386
15,000
7,500
17,532
NIM %
26,203
20,000
10,000
20,000
NII
25,000
15,000
Net Interest Income (Rs Mn)
11
Mar-10
Mar-11
Mar-12
Mar-13
Mar-14
Other Income
Rs. Million
Period
Other Income
FY 12-13
7,269
FY 13-14
8,671
FY 13
FY 14
2,243
1,708
1,680
1,459
1,282 1,261
1,139
1,235
861
953
561
366
308
417 344
124
Liability
Related
Asset
Related
Trade Finance WM & Advisory

& CMS
Fees
FX &
Derivatives
12
Investment
Related
Recoveries
Others
Asset Quality
Gross NPA (Rs Mn)
8,000
Gross NPA
5.0%
Gross NPA %
7,000
6,442
5,572
6,000
5,532
5,629
4.0%
5,702
5,000
4,000
3.0%
3,132
2.96%
3,000
2,000
2.0%
2.30%
1.92%
1.86%
1.76%
1.77%
1.0%
1,000
0
0.0%
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Mar-14
Net NPA (Rs Mn)

3,000
Net NPA
2,500
2.0%
Net NPA %
2,218
1.5%
2,004
2,000
1,500
1.20%
1.20%
1.0%
1,020
918
1,000
525
500
0.39%
0.18%
0
Mar-09
13
Mar-10
Mar-11
Mar-12
0.28%
0.5%
91
0.03%
Mar-13
0.0%
Mar-14
Returns to Stakeholders
Return On Assets
1.35%
Return On Equity
1.26%
12%
12.83%
11.63%
1.09%
1.15%
10.93%**
12.73%*
11.81%*
1.20%
9%
0.89%
0.95%
10.29%*
QIP &
Preference
allotment Rs
18.36 billion
6%
0.80%
0.75%
14.22%
15%
1.28%*
0.70%
3%
0%
0.55%
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Mar-09
Mar-14
31.8
30
Mar-12
Mar-13
Mar-14
Book Value per Share (Rs)
Earnings Per Share (Rs)

40.4
Mar-11
* Equity infusion in Dec09 of Rs.4.15 Bn, Jun 11 of Rs. 9.69 Bn, July13 of Rs.18.36 Bn
** Excluding the impact of exceptional expense on account of retiral costs
* Excluding the impact of exceptional expense on account of retiral costs
45
Mar-10
400
38.9**
2.2
36.6*
369.5
350
292.1
300
26.5
258.2
250
21.6
185.3
200
18.4
208.3
155.4
150
15
100
50
-
0
Mar-09
Mar-10
Mar-11
Mar-12
Mar-13
Mar-09
Mar-14
* Equity infusion in July13 of Rs.18.36 Bn

** Excluding the impact of exceptional expense on account of retiral cost
14
Mar-10
Mar-11
Mar-12
Mar-13
Mar-14
Presentation Path
Appendix
15
Retail Asset Momentum

Retail Advances Evolution (Rs Bn)
Business Banking/SME
300
2.7x
Consumer Finance
250
253.6
Agri/Others
200
150
100
50
0
37.1
209.0
166.9
18.0
138.0
14.5
95.4
14.4
43.4
108.3
16.8
45.1
37.6
46.4
67.4
Mar-09
Mar-10
Mar-11
27.0
71.7
65.0
56.7
56.1
92.2
Mar-12
144.8
117.0
Mar-13
Mar-14
March 2009
Other than
Mortgages,
14.2%
Consumer
Finance
Division
45.5%
Mar 2014
Agri/Others,
15.1%
Other than
Mortgages,
6.0%
Loan
Consumer
Against
Finance
Property, 9.2
Division
%
28.3%
Business
Banking/
SME, 39.4%
Home
Loans, 13.2
%
Home
Loans, 31.3
%
16
Agri/Others,
14.6%
Business
Banking/
SME, 57.1%
New to Bank momentum Retail Assets

Business Banking Limits Sanctioned (Rs Bn)
Mortgage Disbursal (Rs Bn)
3.1 x
40
33.4
32.7
1.3x
25
31.9
27.6
30
20
15
16.8
20
17.0
13.9
17.6
18.1
FY 13
FY 14
12.4
10.5
10
10.2
10
5
0
0
FY 09
FY 10
FY 11
FY 12
FY 13
FY 09
FY 14
HL:LAP
Agriculture Limits Sanctioned (Rs Bn)
89:11
FY 10
FY 11
86:14
65:35
FY 12
52:48
60:40
Gold Loan & Personal Loan Disbursal (Rs Bn)
7.3 x
25
8.7 x
9
21.7
7.9
7.1
20
6
15
12.2
10
5
3.1
7.2
3.0
0.9
0
0
FY 11
FY 12
FY 13
FY 11
FY 14
30:70
17
FY 12
FY 13
FY 14
Average Retail CASA Growth Momentum

INR Bn
Retail Bank CASA Average
Q113
Q213
Q313
Q413
Q114
Q214
Q314
Q414
86.20
86.33
86.90
88.17
88.05
87.37
88.16
90.43
4.17
3.94
3.89
4.25
2.65
2.97
2.70
3.69
1,819
1,794
1,866
1,808
1,781
1,889
1,704
1,715
527
527
532
542
547
549
551
553
CASA New to Bank for the Quarter (NTB)

Feet on Street (FOS)
Branches #
#
Includes Branches and ECs
New to Bank Salary Accounts (000) for the Quarter

1.4x
59
Q1'13
67
65
Q2'13
Q3'13
74
71
Q4'13
Q1'14
18
78
76
Q2'14
Q3'14
81
Q4'14
Distribution of Branches
Geographical Distribution,
No. of Branches #, % share
Population wise Distribution, No. of

Branches#, % share
167
132
166
139
Mar 10
Metro
# Includes Branches and ECs

19
159
91
97
179
160
90
17%
173
90
West
Mar 09
89
18% 17%
92
87
34%
North & East
Mar 14
19% 18%
Mar 13
87
88
31%
Rest of South
Mar 12
481
478
179
35%
AP
Mar 11
179
29%
Mar 10
179
19% 18%
179
35%
Mar 09
179
28%
180
553
542
527
92
107
20%
510
110
170
31%
185
172
175
32%
184
17%
179
20%
179
31%
178
32%
180
66%
119
67%
111
68%
101
70%
89
74%
77
17%
70
18%
68
34%
68
31%
553
34%
542
33%
32%
26%
47
63
527
74
75%
25%
30%
481
478
44
510
179
Mar 11
Mar 12
Urban
Semi-Urban
Mar 13
Rural
Mar 14
Wholesale Bank Momentum

Assets Evolution*
Customer Assets Rating1

2.25x
224
Percent of portfolio
225
196
Unrated,
1%
162
AAA to
AA, 27%
AA- to
A, 33%
127
100
A- to
BBB, 29%
Below
BBB, 11%
Mar-09 Mar-10 Mar-11

1Internal rating
converted to indicative external rating

Excludes NPA and restructured accounts
* Includes both fund based & non fund based asset, rebased as 100 in Mar 2009
Current Account Evolution#
Salary Account Balances Evolution#

7.94x
1.7x
794
155
606
100
417
222
101
148
169
174
166
170
114
312
100
# From a base of 100 in Mar 2009
Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14

# From a base of 100 in Mar12
20
Wholesale Bank Momentum

Revenue Momentum*
Revenue Trend
Key Ratios
Fee Income Trend
80%
250
150
125
123
172
100
142
50
Mar-09
91
Mar-10
Mar-11
55.3%
53.4%
48.5%
50.2%
16.4%
19.4%
22.3%
Mar-10
Mar-11
Mar-12
43.2%
40%
126
100
92
Direct Cost/Income Ratio
67.0%
60%
183
200
Fee %
20%
118
100
20.3%
22.4%
18.9%
0%
Mar-12
Mar-13
Mar-14
Mar-09
Mar-13
Mar-14
* From a base of 100 in March - 2009
Product Revenue Momentum*

1.92x
1.55x
1.52x
Wholesale Average CA Momentum#

27.2x
3.33x
1.84x
5.67x
2718
192
100
155
100
100
567
152
333
100
100
Lending
FM
Mar 09
Transaction
Banking
Mar 14
Investment
Banking &
Debt Capital
Market
Large Corp &

International
Client Group
* From a base of 100 in March - 2009
3.12x
# From a base of
100 in Mar 2009
21
312
100
184
Emerging
Corporates
Mar 09
100
Banks &
Fnancial
Institutions
group
Mar 14
100
Wholesale
Bank
Presentation Path
Appendix
22
Banking Franchise with ~8 Decades of Experience

Incorporated in 1930, promoted by Vysya
community
ING Groep NV became the single largest
shareholder in ING Vysya Bank Limited (IVBL)
with board and management control in Oct 02
2011
One of Indias premier private sector bank

offering a wide variety of wholesale and retail
banking products and services
2009
Pan-India network of 1,216 outlets

servicing over 2 mn customers as
on Mar 2014
Balance sheet size of ~INR 604Bn
as on 31st Mar 2014
2007
2005
2002
1996
1990
1985
1930
2013
Completed a QIP and a preferential allotment

raised INR 18.36 Bn
Completed a QIP and a preferential allotment raised

INR 9.69 Bn
Crossed 500 branches and extension counters
Completed a QIP and a preferential allotment raised INR 4.15 Bn
Completed a QIP and a preferential allotment raised INR 3.5 Bn
Completed a 3:1 rights issue raised INR 3 Bn
ING took over Management and was renamed as "ING Vysya Bank Limited
BBL Belgium entered into a strategic alliance and acquired 20% stake
GMR Group acquired 28% in the Bank
Largest Private Sector Bank
Promoted by Vysya (trading community) headed by Mr. Margapuram Chengaiah Chetty
23
Quality Management Team

MD & CEO
Shailendra Bhandari
Experience in IVBL : 5 Years

Seasoned banker with 3 decades of experience.
Former Managing Director and CEO of Centurion Bank of Punjab from 2004 until 2008
Former MD and CEO of Prudential ICICI Asset Management from 2000 until 2004; part
of the core team charged with setting up HDFC bank in 1994 as Treasurer and Executive
Director. Ex- Citi banker, having spent 12 years in senior management positions
Company Secretary
Deputy
CEO, Head
Wholesale
Banking &
Strategy
(Uday Sareen)
Country Head
Retail Assets
(Mahesh
Dayani)
Branch
Banking, Market
ing & Private
Clients
(Brett Morgan)
Head
Operations
(Meenakshi A)
Chief Human
Resources
(J M Prasad)
Chief Financial
Officer
(Jayant
Mehrotra)
Chief Risk
Officer
(Susan Poot)
Chief
Information
Officer
(Aniruddha
Paul)
Chief Auditor
(Ashok Rao)
Experience in
IVBL : > 5 Years
Experience in
IVBL : 6 Years
Experience in
IVBL : 1Years
Experience in
IVBL : 6 Years
Experience in
IVBL : 10 Years
Experience in
IVBL : 8 Years
Experience in
IVBL : 2 Years
Experience in
IVBL : 7 Years
Experience in
IVBL :12 Years
20 years of
banking
experience
across markets
& functions at
Citi, ING and
IVBL
Head of Retail
at IVBL for 5
years
Chief Strategy
Officer at INGDiBa, Germany
for 18 months
9 years of prior
banking
experience in
Retail Banking
at ICICI and
HDFC Bank
Worked across
geographies,
markets and
products
16 years prior
experience in
Retail and
Commercial
Banking at ING
Australia.
2 decades of
banking
experience
across products
& distribution
Worked at ICICI
Bank Limited
Over 3 decades
of experience in
the banking
business
Over 15 years of
experience in
Human
Resources in
Financial
Services and
software
industry
Over 2 decades
of experience
across various
industries and
geographies
Core team
member at IDBI
responsible for
various strategic
initiatives
More than 18
yrs experience
in ING Group
Prior experience
in various front
office and risk
functions having
spent 8 yrs in
Senior Mgt.
Roles.
Over 2 decades
of experience
with
operations,
technology &
product
management
Leadership
experience in IT
driven business
transformation
in banking and
outsourcing
services
Over 2 decades
of experience in
banking
Worked in
various senior
positions in
Audit and
Finance in India
and overseas
24
Strong Pedigree of Investors
ING Groep NV
ING is a global financial institution of Dutch origin offering banking, investments, life insurance
and retirement services
Customer base of >48 million private, corporate and institutional customers spread across in
over 40 countries in Europe, North and Latin America, Asia and Australia
Key statistics * Total Income 26 Bn, Total Assets 1.1 Trn, AuM 174 Bn, Employees
>75,000
With the financial backing of its largest shareholder, ING Vysya Bank can leverage the ING
Groep NVs relationship for its:
-
Deep understanding of the industry across markets
Product knowledge and domain expertise
Access to global clients
Presence across other BFSI verticals to allow cross selling opportunities
* As of Dec 31 2013 Annual Report
Public, 7.9%
Foreign
Holding, 29.0%
IVBL
Shareholding
pattern #
Domestic
Institutions, 14.8%
ING, 43.1%
Private
Corporates, 5.2%
As on 31st March 2014
25
Network Distribution
J&K
Break-up of 1,216 Outlets
HP
Chandigarh
Punjab
Delhi
27
23
Uttarkhand
Assam
Rajasthan
4
MP
3
Jharkhand
2
Gujarat
15
WB
15
D&NH
1
Chattisgarh
Maharashtra
Odisha
48
Goa
Andhra
170
Karnataka
130
Puducherry
1
Kerala
TN
24
39
* Includes 10 ECs
553
ECs
ATMs
Bihar
21
Branches*
Satellite Office
UP
No.
Haryana
5
Particulars
26
10
25
638
Business Strategy Grow ahead of Market with better asset quality
Focused Asset
growth engines
Grow and
leverage the
distribution
franchise
Increase low cost

liabilities and
better margin
products
Enhance
operating
efficiency
Reposition as
ING in select
markets
Retail: Focus primarily on growth in Business Banking/SME, Mortgages, Agriculture and selective focus on Gold
Loans and Personal Loans
Wholesale: Leverage ING Global relationships to service domestic clients, deepen relationships with large Indian
corporate and greater support and co-ordination with International Clients Group. Grow the share of Emerging
Corporates (EC) in the local currency balance sheet
Retail: Continue to grow footprint in Northern and Western parts of the country, while consolidating in the South
Derive value from investments made in branch expansion and continue to drive efficiency and productivity of
existing network
Focused efforts to further scale retail fee engine Wealth Management, Trade & Forex, Asset related fees
Wholesale: Leverage network to grow transaction banking platform to meet client needs
Improve the systems within EC business
Private Client Group : Tapping into the existing clients of the bank for cross-sell/up-sell
Build a strong bench of client facing team (quality, critical team size)
Retail: Deepen customer relationships with products servicing multiple target segments including a strategic push on
Current Account of the Business Banking/SME customer
Focus on operating account for corporate/salaried segment
Wholesale: Increase the share of EC in local balance sheet
Increase penetration of fees products such as DCM, PCM ,FM and CF
Selectively look at structured financing
Retail: Increase overall profitability both from legacy network and growing footprint
Continuous improvement in technology platform for cost efficient & customer centric model
Increase per branch productivity closer to best in class
Wholesale: Increase the share of customer wallet through new product introductions and deepen existing
relationships
Focus on portfolio churning
Private Client Group : Enhance advice and service delivery platform with help of technology, collaterals and marketing
To position as bank of choice to chosen customer segments
Migrate global best practices and knowledge
Continue investment in the brand as we expand footprint outside South India
Private Client Group : Increase awareness of our services and capabilities, among our HNI with niche products
27
Marketing and Branding
Branding at airports
Outdoor branding on high streets
Social media engagement
Mobility led advertising
28
Positioned to take the Lead in Mobile Banking

Results of INGs survey in India
81% Indians feel more in control of their money with mobile Banking Vs European average of 66%;
47% Indian men said they now shop more with their mobile ;
50% of Indian respondents have given smart-phones to their kids
Consumer research survey during Mar-April 14

across 2,400 Indian respondents; compared Indian
consumer trends vis--vis ING global consumer survey
(11,700 respondents).
Mobile banking key findings :

User interface is very important
7x : Mobility usage to Internet usage
Desired features : instantaneous; seamless
across internet & mobile; quick account view
IVBL upgraded mobile solutions launched in Q4 across

Android and Apple
Over 35,000 downloads during first 3 weeks
Rated 4.5 out of 5 on App store & Play store
Received encouraging feedback from industry experts

29
Corporate Social Responsibility

The Bank and ING Vysya Foundation has contributed to sustainable development through initiatives in childrens
education, financial inclusion, renewable energy and other green initiatives.
EDUCATION & EMPOWERMENT
Through education we support a large number of children to continue their schooling across India
To accelerate the banks focus on inclusive growth, through our financial literacy program teach children the basics of
money, banking and savings. We have created a team of 16 women and 16 youth trainers to provide training to children
and their parents , studying under the care of Foundation supported NGOs.
Our RSETI has been awarded an AA+ rating by The Ministry of Rural Development. Govt. of India. During the year,
683 rural youth have benefited under the Institutes programs of which 512 trainees were women.
Our bank encourages and supports employee volunteering on worthy causes - 2500 employees, across 230 branches,
across India enlisted for the ING Global Challenge Chances for Children
We have played a strong role in facilitating development of NGOs to achieve results
Imparted training on documentation to one of our partner NGOs Trust field staff to enhance their capacity to
capture impacts
GREEN INITIATIVES
Continuing from the last year, we have installed 650 smokeless stoves in 32 villages in Bandipur, Karnataka. This
helped in reducing cooking time for women with lower fuel consumption requirement. Forest resources were conserved
and human-animal conflict in a sensitive ecosystem was minimized.
ING is committed to promoting renewable energy
We installed solar lights in one of our partner NGOs Inclusive school in Bangalore
We have lit up 20 villages in Gajapati, Odisha aimed towards promoting education for children and also to enable
safe -living for the tribal community who resides in the deep jungle areas.
The Bank has sustained its efforts in the area of energy conservation and has registered an overall saving of 2.08 million
KWh since 2009 across its two corporate locations at Bengaluru and Mumbai. Over the last year we saved about 15.5%
at our Mumbai Office amounting to over 0.24 million units.
The bank has been an active supporter of the Earth Hour and have organized interaction, awareness programs, client
engagement and switching off lights for an hour in our offices.
30
Balance Sheet
FY 13-14
Capital and Reserves
FY12-13
Rs Mn
CAGR FY
FY 11-12 FY 10-11 FY 09-10 FY 08-09 FY 07-08 FY 06-07 FY 05-06
06-14
(%)
70,713
46,268
39,798
26,243
23,309
17,029
15,357
11,033
10,197
27%
412,168
413,340
351,954
301,942
258,653
248,895
204,576
154,186
133,353
15%
Borrowings
96,685
65,113
56,965
41,469
36,714
31,853
17,467
14,812
15,694
26%
Liab. & Provisions
24,566
23,644
21,121
20,323
19,816
20,805
18,015
12,832
8,423
14%
604,132
548,364
469,838
389,977
338,492
318,582
255,415
192,863
167,667
17%
58,261
28,335
32,306
25,214
30,270
22,816
31,852
15,923
11,233
23%
Investments
167,208
182,782
127,155
110,583
105,094
104,955
62,933
45,278
43,723
18%
Advances
358,289
317,720
287,214
235,868
184,780
167,522
146,512
119,803
102,350
17%
Fixed Assets
5,245
4,996
5,008
5,028
4,959
4,372
3,992
3,960
4,054
3%
Other Assets
15,130
14,531
18,155
13,284
13,388
18,916
10,126
7,900
6,306
12%
Total Assets
604,132
548,364
469,838
389,977
338,492
318,582
255,415
192,863
167,667
17%
Deposits
Total Liabilities
Cash, Inter-bank, etc
CA
70,079
73,169
64,204
51,223
41,063
33,334
33,462
19,076
CAGR FY
06-14
(%)
15,218 21%
SA
67,508
61,183
56,429
53,515
43,350
33,984
31,232
25,639
20,935
16%
TD
212,540
212,122
177,739
156,544
131,312
163,451
118,811
103,038
81,273
13%
CD
62,041
66,867
53,582
40,661
42,929
18,126
21,071
6,433
15,927
19%
Total Deposits
412,168
413,340
351,954
301,942
258,653
248,895
204,576
154,186
133,353
15%
CASA%
33.38%
32.50%
34.28%
34.69%
32.64%
27.05%
31.62%
29.00%
27.11%
FY 13-14
FY12-13
FY 11-12 FY 10-11 FY 09-10 FY 08-09 FY 07-08 FY 06-07 FY 05-06
31
Profit & Loss
Rs Mn
FY 13-14 FY 12-13 FY 11-12 FY 10-11 FY 09-10 FY 08-09 FY 07-08 FY 06-07 FY 05-06

Net Interest Income
CAGR FY
06-14 (%)
17,532
15,386
12,083
10,065
8,298
6,496
4,984
4,456
4,063
20%
Other Income
8,671
7,269
6,698
6,550
5,895
5,477
3,982
2,522
2,110
19%
Total Income
26,203
22,655
18,781
16,615
14,193
11,973
8,966
6,978
6,172
20%
Staff expenses
8,423
7,507
6,510
6,057
4,289
3,922
3,024
2,272
2,250
18%
Other expenses
5,893
5,221
4,592
4,204
3,793
3,802
3,071
2,778
2,895
9%
Total Expenses
14,316
12,728
11,102
10,260
8,081
7,725
6,095
5,050
5,146
14%
Operating Profit
11,886
9,927
7,679
6,355
6,112
4,248
2,871
1,928
1,027
36%
Exceptional Items
(611)
204
335
Op. Profit after

exceptional Items
307
11,275
9,927
7,679
6,355
6,419
4,248
3,075
2,263
1,027
35%
Provisions
1,498
912
1,137
1,516
2,704
1,302
560
987
812
8%
Profit before tax
9,778
9,014
6,542
4,839
3,714
2,947
2,515
1,276
215
61%
Taxes
3,199
2,885
1,979
1,652
1,293
1,059
945
387
125
50%
Net Profit
6,579
6,130
4,563
3,186
2,422
1,888
1,569
889
91
71%
32
Key Ratios
FY 13-14 FY 12-13 FY 11-12 FY 10-11 FY 09-10 FY 08-09 FY 07-08 FY 06-07 FY 05-06
Net Interest Margin
3.52%
3.52%
3.30%
3.25%
3.22%
2.84%
2.77%
2.79%
2.73%
Yield on Advances
11.62%
11.88%
11.54%
10.06%
10.54%
11.48%
10.49%
9.33%
8.78%
7.25%
7.25%
6.99%
5.25%
5.33%
6.83%
6.28%
5.27%
4.87%
56.97%
56.18%
59.11%
61.75%
55.73%
64.52%
66.47%
69.05%
83.36%
Return on Assets
1.20%
1.26%
1.09%
0.89%
0.80%
0.70%
0.74%
0.52%
0.05%
Return on Equity
10.29%
14.22%
12.73%
12.83%
11.81%
11.63%
12.03%
8.34%
0.90%
CASA Ratio
33.38%
32.50%
34.28%
34.69%
32.64%
27.05%
31.62%
29.00%
27.11%
Credit-Deposit Ratio
86.93%
76.87%
81.61%
78.12%
71.44%
67.31%
71.62%
77.70%
76.75%
Gross NPA Ratio
1.77%
1.76%
1.92%
2.30%
2.96%
1.86%
1.38%
2.55%
4.09%
Net NPA Ratio
0.28%
0.03%
0.18%
0.39%
1.20%
1.20%
0.70%
0.95%
1.76%
Provision Coverage Ratio
84.17%
98.40%
90.67%
83.41%
60.19%
36.01%
49.19%
63.32%
57.79%
Capital Adequacy Ratio*
16.76%
13.24%
14.00%
12.94%
14.91%
11.65%
10.20%
10.56%
10.67%
Cost of Deposits
Cost Income Ratio
* Capital Adequacy Ratio as per Basel III for FY14, as per Basel II from FY 08-09 to FY 12-13 and as per Basel I up to FY 07-08
33
Disclaimer
Certain statements in these slides are forward-looking statements. These statements are based on managements current
expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those
included in these statements due to a variety of factors.
All financial and other information in these slides, is on an unconsolidated basis for ING Vysya Bank Limited only unless
specifically stated to be on a consolidated basis for ING Vysya Bank Limited and its subsidiaries. Please also refer to the
statement of financial and segmental results required by Indian regulations that has been filed with the stock exchanges in
India and is available in our website www.ingvysyabank.com. This presentation may not be all inclusive and may not contain all
of the information that you may consider material.
34
For further information please contact : investor.relations@ingvysyabank.com
35

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Financial Results

Financial year ended 31 March 2014

ING VYSYA BANK LIMITED

Key Performance Highlights FY 2014

Key Performance Highlights Q4 FY14

ING VYSYA BANK LIMITED

Other Liab. & Provisions

ING VYSYA BANK LIMITED

Profit & Loss

Net Interest Income

Operating Profit after

* Exceptional expense on account of retiral cost in the current year

ING VYSYA BANK LIMITED

Net Interest Margin

Gross NPA Ratio

Net NPA Ratio

Provision Coverage Ratio

Capital Adequacy Ratio ***

ING VYSYA BANK LIMITED

ING VYSYA BANK LIMITED

Growth in Deposits (Rs Bn)

Credit-Deposit Ratio (%)

ING VYSYA BANK LIMITED

Customer Assets Trends

Business Banking (SME)

Commercial & Auto

Customer Assets Composition (Mar 14)

Total Customer Assets

Wholesale Banking Industry Portfolio (Mar 14)

Gem & Jewellery

Business Banking Industry Portfolio (Mar 14)

NBFC PSA, 19.5%

ING VYSYA BANK LIMITED

Cost to income ratio %

* Exceptional item amounting to Rs. 611 million on account of retiral cost

Business per employee (Rs Mn)*

Average CASA per Branch (Rs Mn)

Financials are on a standalone basis and prior year data is

ING VYSYA BANK LIMITED

Income & Profit Performance

Net Profit (Rs Mn)

Other Income (Rs Mn)

* Exceptional item on account of retiral cost

ING VYSYA BANK LIMITED

Net Interest Income (Rs Mn)

ING VYSYA BANK LIMITED

Trade Finance WM & Advisory

Net NPA (Rs Mn)

ING VYSYA BANK LIMITED

Book Value per Share (Rs)

Earnings Per Share (Rs)

* Excluding the impact of exceptional expense on account of retiral costs

* Equity infusion in July13 of Rs.18.36 Bn

ING VYSYA BANK LIMITED

ING VYSYA BANK LIMITED

Retail Asset Momentum

ING VYSYA BANK LIMITED

New to Bank momentum Retail Assets

Mortgage Disbursal (Rs Bn)