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Kirishanthan Vijayarajah

Senior Equity Analyst at HSBC

Kiri Vijayarajah is a Senior Equity Analyst at HSBC, specializing in coverage of the European financial sector with a particular focus on banking institutions such as Natixis. He covers 12 companies within the financial segment and has achieved a success rate of approximately 63.4% for his stock recommendations, earning a 3.32-star ranking on TipRanks. Vijayarajah has built his career at HSBC, where he is recognized for his detailed coverage of major banks, and he regularly appears in lists of leading analysts following stocks like Natixis. While specific license and registration details are not publicly disclosed, his analyst role at an international investment bank indicates the necessary financial regulatory credentials are in place.

Kirishanthan Vijayarajah's questions to ING GROEP (ING) leadership

Kirishanthan Vijayarajah's questions to ING GROEP (ING) leadership • Q1 2025

Question

Kirishanthan Vijayarajah of HSBC requested more color on the drivers of the 24% growth in insurance fees, including geographies and products. He also asked whether the recent strength in retail brokerage activity is sustainable or a temporary phenomenon.

Answer

CEO Steven van Rijswijk attributed the insurance fee growth to a multi-year strategic effort across all retail markets. On brokerage, he noted that while Q1 was strong, significant upside remains as most customers do not yet trade with ING, and the bank is confident in its ability to continue growing this business.

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Kirishanthan Vijayarajah's questions to ING GROEP (ING) leadership • Q4 2024

Question

Kirishanthan Vijayarajah of HSBC asked if the Wholesale bank's RWA share could fall below the 45% target, given recent progress, and inquired about assumptions for maturing term deposits in Belgium within the NII guidance.

Answer

Executive Steven van Rijswijk confirmed the 45% Wholesale RWA target for 2027 and said future goals would be updated after more progress. CFO Tanate Phutrakul noted that Belgian term deposits mature late in 2025 and that ING is actively cross-selling, expecting funds to shift into other savings products.

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Kirishanthan Vijayarajah's questions to CREDIT AGRICOLE S A (CRARY) leadership

Kirishanthan Vijayarajah's questions to CREDIT AGRICOLE S A (CRARY) leadership • Q4 2024

Question

Kirishanthan Vijayarajah questioned the rationale for not introducing an interim dividend, especially after a peer announced one. He also asked a technical question about the hedging of non-euro-denominated RWAs in the CIB division.

Answer

Executive Jerome Grivet responded that the bank is not philosophically opposed to an interim dividend but considers it a technicality that doesn't create value, and will observe competitors' actions. Regarding RWAs, he clarified that the bank does not hedge RWAs directly but rather hedges the solvency ratio by matching the currency denomination of capital components with asset proportions.

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Kirishanthan Vijayarajah's questions to BNPQY leadership

Kirishanthan Vijayarajah's questions to BNPQY leadership • Q1 2024

Question

Sought more detail on the quarter-on-quarter NII decline in Belgium, as headwinds seemed to be priced in already. Also asked for clarification on the French inflation hedges, questioning if they become a positive tailwind in 2025 and its potential magnitude.

Answer

The Belgian NII headwinds were only partially reflected in Q4, with Q1 being the first full quarter of impact. The French inflation hedge's negative impact will last for two more quarters. The bank assumes the hedge will become effective again at year-end when deposit pricing is expected to return to being inflation-linked, but did not quantify a positive tailwind for 2025.

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Kirishanthan Vijayarajah's questions to BNPQY leadership • Q3 2023

Question

Asked about the impact of the Belgian government's bond issuance on deposit pricing and questioned the bank's M&A strategy in Central and Eastern Europe (CEE).

Answer

The executive stated there has been no visible impact on deposit pricing in Belgium. Regarding CEE, the bank sees itself as a seller, not a buyer, as it divests certain activities and focuses its growth strategy on leveraging its integrated model in the Eurozone, not on acquiring banks.

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