ING Vysya Bank plans to expand its branch network by a quarter within the next three years. The bank would have a focus on rural areas while undertaking the expansion. The bank’s country head for branch banking Brett Morgan said the bank plans to open 40-50 branches every year between 2014 and 2016 as its aims to improve CASA and speed up growth. The new branches will come in the east, west and in the north to create a pan-India presence. At present, of its 551 branches, two-third is in the south with one-third being in Andhra Pradesh alone. The bank is growing its lending by about 10% year-on-year while deposit growth has been thin at 3%. Morgan said the focus is also on institutional deposits, other retail deposits and corporate salary account.