UPDATE 1-ING Vysya sees 20-25 pct loan growth in FY09

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KOLKATA, Sept 5 (Reuters) - ING Vysya Bank (VYSA.BO) is aiming at 20-25 percent loan growth and 30-35 percent deposit growth in 2008/09, a top official said on Friday.

"The growth will come from home loans, small & medium enterprises segment and personal loans segments," chief executive officer Vaughn Richtor told reporters.

The net interest margin of the bank till the June quarter was 3.08 percent, which it hopes to maintain, he said.

"We also have a comfortable net non-performing asset level of 0.84 percent."

The bank has no immediate plans to raise capital although it has enough headroom left in the tier II segment, Richtor said.

"We may need to raise capital in future to maintain growth levels but have not taken a call yet."

The bank has got central bank's approval to open 56 new branches in FY09. It already has 450 branches in India.

"Increased reach will help acquire new customers," the chief executive added.

Shares in the bank were trading 1.68 percent down at 251.30 rupees in the Mumbai market. (Reporting by Tamajit Pain; editing by Sunil Nair)