South Indian Bank Limited · NSE:SOUTHBANK
South Indian Bank — The South Indian Bank — Q2 FY27 Earnings Presentation
44 slides from South Indian Bank's earnings presentation, Oct 15, 2026
Slide 1: Presentation to Investors and Analysts - exchange filing letter
DEPT : SECRETARIAL REF. No. : SEC/ST.EX.STT/ 118 /2026-27 DATE : October 15, 2026 National Stock Exchange of India Ltd., BSE Ltd. Exchange Plaza, 5th Floor, Department of Corporate Services (Listing), Plot No.C/1, G Block, First Floor, New Trading Wing, Bandra-Kurla Complex, Bandra (E), Rotunda Buil
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Slide 3: Disclaimer
Disclaimer This presentation (the "Presentation") has been prepared by The South Indian Bank Ltd., (the "Company") for informational purposes only. No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctnes
Slide 4: Agenda
1 Brief Snapshot 2 About South Indian Bank – Key Highlights 3 Key Areas of Focus 4 Annexure 3
Slide 5: Key Highlights
Key Highlights 1 Portfolio quality continues to improve 2 Shift from Corporate to MSME and Retail gathers momentum 3 Material increase in branch productivity 4 Significant improvement in processes and systems 5 Focus on digital channel to drive operating efficiency 6 Cost continues to be managed tig
Slide 6: Brief Snapshot
BRIEF SNAPSHOT 5
Slide 7: Performance Highlights (1/2)
Performance Highlights (1/2) Q2FY27 Rs. 109,517 Cr Rs. 85,773 Cr Rs. 137,279 Cr Rs. 129,353 Cr 31.55% Gross Advances Disbursements Deposits Retail Deposits CASA % Rs. 92,286 Cr Rs. 105,025 Cr Rs. 115,635 Cr Rs. 112,625 Cr 31.86% Large Scale of Operations Q2FY26 Q2FY27 Rs. 426 Cr 3.33% 1.08% 14.00% N
Slide 8: Performance Highlights (2/2)
Performance Highlights (2/2) Q2FY27 1.24% 0.09% 97.84% 92.42% 19.40% PCR PCR GNPA NNPA CRAR (incl. w/off) (excl. w/off) 2.93% 0.56% 90.25% 81.29% 17.70% Healthy Asset Quality Q2FY26 Q2FY27 959 9,485 26 / 4 98.7% Digital Branches Employees States / UTs Transactions 948 9,242 26 / 4 98.4% Q2FY26 Multi
Slide 9: About South Indian Bank - Key Highlights
ABOUT SOUTH INDIAN BANK – KEY HIGHLIGHTS
Slide 10: SIB's Strengths
SIB’s Strengths 1 Diversified loan book – focused on Retail, MSME and high-quality Corporate 2 Pan India presence 3 Strong focus on Asset Quality and Collection Efficiency 4 Well distributed Deposit base with stable cost of funds 5 Focus on Digital channel to drive operating efficiency 6 Strong Mana
Slide 11: Diversified loan book with granularity & growth in disbursements in MSME and Retail
1 Diversified loan book with granularity & growth in disbursements in MSME and Retail Consistently growing loan book…. …and Average Advances Rs. Cr Rs. Cr 19%* 1,04,248 1,09,517 1,04,368 99,738 1,00,274 98,011 96,764 92,286 92,544 86,876 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 Q2FY26 Q3FY26 Q4FY26 Q
Slide 12: Consistent growth momentum in business and retail advances continues
Consistent growth momentum in business and retail advances continues… Business Segment Loans Gold Loans Personal Loans Rs. Cr 15% 15,490 Rs. Cr Rs. Cr 41% 26,603 16% 2,560 13,424 2,209 18,845 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Home Loans Auto Loans Mortgage Loans ~1% Rs. Rs. Cr Rs. Cr Rs. Cr
Slide 13: Dominant share of A & above rated corporate loans
Dominant share of A & above rated corporate loans Corporate Loan Book Standard Large Corporate Advances (Rs. 100 Cr & Above) Rs. Cr 43,164 Rs. Cr 28,723 41,704 Standard Large 25,341 Corporate Advances| 38,353 38,670 26% 37,008 Others| 74% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Sep'25 Sep'26 High share o
Slide 14: MSME Loans comprise mainly of High-Yield Portfolio
MSME Loans comprise mainly of High-Yield Portfolio Focus on MSME loans… MSME Strategic Initiatives Rs. in crore Sep-25 Dec-25 Mar-26# Jun-26# Sep-26# Expansion of ECG Establish dedicated ECG centres across high-potential locations to enhance geographic coverage and deepen MSME/SME 9,923 9,807 9,269
Slide 15: Pan India presence with focus on diversification
2 Pan India presence with focus on diversification Diversifying Loan Book Outside Kerala Branch Network Q2’FY27 Loan Book Branches1 Q2’FY26 Rs. 92,286 Cr Has a network of 959 959 Branches 948 69 across India Kerala, %b 31% Rest of ook is O India| South (Ex- 37% Q2FY26 Q2FY27 Kerala)| 32% ATM / CRM u
Slide 16: Strong focus on improving asset quality and collection efficiency
3 Strong focus on improving asset quality and collection efficiency Net NPA below pre- covid level …with focus on Recoveries and Upgrades Rs. Cr 1,814 GNPA NNPA 1,642 1,464 1,534 6.97% 1,356* 5.90% 5.14% 4.71% 4.50% 2.97% 3.20% 690 1.86% 441 1.46% 1.43% 1.24% 0.92% 0.29% 0.09% Mar-21 Mar-22 Mar-23 M
Slide 17: Pristine Asset Quality with enhanced metrics
Pristine Asset Quality with enhanced metrics SMA 1 showing consistent improvement… …with lower SMA 2 numbers… Rs. Cr Rs. Cr SMA 1 as % of advances SMA 2 as % of advances 575 1,00 0 913 2.0 % 600 521 504 2.0 0% 839 490 900 826 415 500 800 740 1.5 % 347 1.5 0% 687 400 306 700 638 288 269 553 1.0 % 300
Slide 18: Well Distributed Deposit Base with focus on low cost deposits
4 Well Distributed Deposit Base with focus on low cost deposits Breakup of Deposits CASA Ratio continues to hold… % Deposits Rs. Cr Rs. Cr 137,279* 125,817 123,346 31.86% 31.84% 32.12% 32.98% 31.55% 115,635 118,211 43,310 41,496 39,621 36,841 37,640 86,043 80,495 82,810 75,784 77,923 Q2'FY26 Q3'FY26
Slide 19: NRI Deposit continues to be a focus with stable Cost of Funds
NRI Deposit continues to be a focus with stable Cost of Funds Breakup of Non Resident Deposits Cost of Funds / Yield on Funds Cost Of Funds Yield on Funds Rs. Cr 7.13 7.34 7.42 7.43 7.36 4.74 4.77 4.77 4.53 Deposit Type Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 4.42 NR SB 8,143 8,533 9,112 9,501 9,562
Slide 20: Multitude of Digital Initiatives
5 Multitude of Digital Initiatives… Driving customer empowerment through continuous digital transformation | RE-IMAGINING BANKING THROUGH EXTENSIVE DIGITIZATION Personal Finance Manager & Account Onboarded INDMoney as Lending Service Domestic customers are allowed to aggregator facility live in SIB
Slide 21: AI at South Indian Bank
AI at South Indian Bank Artificial Intelligence (AI) capabilities are now in production across the Bank, powered by Zeni, our proprietary, open-source-based AI framework developed in-house and Dedicated AI Centre of Excellence accelerating innovation and complemented by strategic vendor partnerships
Slide 22: Leading to rising digital banking
….leading to rising digital banking….. ..leading to a rise in transactions with high digital share (000)’s Daily average Transactions through digital channel % total transactions 4,728 4,450 98.7% 4,351 4,405 98.7% 4,121 98.5% 98.5% 98.4% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Internet Transaction Volum
Slide 23: Creating operational efficiency
….creating operational efficiency Employee Additions Cost-to-Income Ratio (Quarterly) 186 167 59.6% 57.2% 3 55.3% 57.9% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 -7 53.7% -88 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Improving productivity metrics Rs. Cr Rs. Cr Business per Employee Business per Branch 238 24.5 2
Slide 24: Robust Track Record of Financial Performance
6 Robust Track Record of Financial Performance Total Business Gross Advances Disbursements Rs. Cr Rs. Cr Rs. Cr 1,09,517 1,80,023 2,46,795 1,63,270 2,23,619 1,00,274 1,95,104 87,579 1,82,346 80,426 95,040 1,63,743 72,092 85,773 1,50,957 61,816 54,800 24,533 FY22 FY23 FY24 FY25 FY26 HY1 FY27 FY22 FY2
Slide 25: Key Areas of Focus
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Slide 26: Key Areas of Focus
Key Areas of Focus Enhancing Portfolio Resilience Improving Branch Productivity Cost Optimization Growing non- branch Distribution & Leveraging Partnerships Enhancing Control / Compliance Architecture 25
Slide 27: Way Forward - Growing Non-branch Distribution & Leveraging Partnerships
Way Forward – Growing Non- branch Distribution & Leveraging Partnerships Asset partnerships Co-lending partnerships Strategic Equal daily installment program Co-lending / DA platform Tie-Ups (Live) Loan against Mutual fund Personal loan Insurance premium financing 26
Slide 28: Way Forward - Growing Non-branch Distribution & Leveraging Partnerships
Way Forward – Growing Non- branch Distribution & Leveraging Partnerships Liability Partnerships Fintech Partnership- allowing NTB customers to open deposit accounts Pure play –Inhouse products In-house solutions for Digital deposits Strategic / Digital Personal loans/ Tie-Ups Secured credit line on
Slide 29: Annexure
ANNEXURE 28
Slide 30: Profit & Loss Overview (Standalone)
Profit & Loss Overview (Standalone) Particulars (Rs. In Cr) Q2-FY27 Q2-FY26 Y-o-Y (%) Q1-FY27 Q-o-Q (%) HY1 FY27 HY1 FY26 Y-o-Y (%) Net Interest Income 1,116 808 38% 1,025 9% 2,140 1,641 30% Non-Interest Income 468 516 -9% 379 23% 848 1,138 -25% Core Fee Income 198 206 -4% 179 11% 377 393 -4% Treasu
Slide 31: Balance Sheet Overview (Standalone)
Balance Sheet Overview (Standalone) Particulars (Rs. In Cr) Q2 FY27 Q2 FY26 Y-o-Y (%) Q1 FY27 Q-o-Q (%) Capital & Liabilities 1,56,188 1,36,039 15% 1,44,451 8% Capital 262 262 0% 262 0% Reserves and Surplus 11,814 10,374 14% 11,539 2% Deposits 1,37,279 1,15,635 19% 1,25,817 9% Borrowings 3,681 6,647
Slide 32: Key Metrics
Key Metrics Particulars Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 Net Interest Margin (NIM) 3.33% 3.23% 2.95% 2.86% 2.80% 3.03% CRAR Basel III 19.40% 19.62% 19.66% 17.84% 17.70% 19.48% RoA* 1.08% 1.05% 1.17% 1.07% 1.02% 1.01% RoE* 14.00% 12.84% 14.49% 13.49% 13.11% 12.41% Provision Coverage (Incl. W
Slide 33: Non-Performing Assets
Non-Performing Assets GNPA NNPA 2.93 2.67 0.56 0.45 1.43 1.38 1.24 0.29 0.26 0.09 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 GNPA Movement NNPA Movement Rs. Cr Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Opening 2,807 2,704 2,582 1,431 1,438 591 5
Slide 34: Provisions
Provisions Rs. Cr Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 For NPA & NPI 141 83 15 61 58 249 For Standard Assets 10 14 18 20 6 (5) For Restructured (1) (2) (2) (2) (3) (6) Advances/Sacrifices & FITL For Unhedged Forex Exposure 6 (2) 4 (1) 1 - Others 3 (9) - 2 1 1 Taxes 147 130 139 130 121 111 Total
Slide 35: Slippages & Asset Quality
Slippages & Asset Quality Slippage Ratio 0.21 0.16 0.15 0.12 0.09 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Segment wise GNPA Segment wise Slippages Rs. Cr Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Rs. Cr Q2 FY26 Q1 FY27 Q2FY27 Agriculture 435 404 154 159 139 Agriculture 35 14 11 Business Loans 1,352 1,309 647 62
Slide 36: Stressed Assets
Stressed Assets Restructured Standard Assets Sectoral Break-up Rs. Cr 3% 0% On account of MSME 241 restructuring 215 193 General - DCCO Extension 175 161 30% OTR COVID Personal Segment 48% OTR COVID MSME 19% OTR COVID Others Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 COVID One Time Restructuring Security Re
Slide 37: Investment Book
Investment Book SLR & NON-SLR Treasury & Forex Income * 73 72 Rs. in Cr Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 70 SLR 28,620 28,076 25,339 23,970 25,251 NON-SLR 2,153 2,097 2,079 2,546 2,560 Total 30,773 30,173 27,418 26,516 27,811 44 51 55 38 M Duration 15 5.53 5.51 13 5.44 5.38 5.17 28 19 22 23 18 -9
Slide 38: Capital Composition
Capital Composition Risk Weighted Assets Consistent improvement in the CET 1 Capital Total Capital Adequacy Ratio is well above minimum regulatory requirement of 11.50% Rs. Cr Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 CET 1 18.93% 18.71% 19.62% 19.40% Total Capital 7,273 7,258 7,977 9,985 10,
Slide 39: Strong Management Team lead by
Strong Management Team lead by 38
Slide 40: Strong Management Team
Strong Management Team Mr. Dolphy Jose Executive Director, 32 years ● More than 32 years of experience , MBA in General Management ● Two decades of association with Kotak Mahindra Bank, with expertise in both Retail assets and liabilities, branch banking, P&L management, building distribution, estab
Slide 41: Strong Management Team
Strong Management Team Ms. Chithra H SGM & Chief Compliance Officer, 34 years ● Fellow member of the Institute of Chartered Accountants of India & Certified Associate of the Indian Institute of Banking & Finance ● Associated with SIB for over 30 years. Rich experience in the field of Finance, Compli
Slide 42: Strong Management Team
Strong Management Team Mr. Vinod Francis SGM & Chief Financial Officer, 20 years ● Associate member of the ICAI and Certified Associate of the Institute of Banking & Finance. Associated with SIB for over 20 years. Rich experience in the field of Finance, Credit and Branch Operations ● Leadership Dev
Slide 43: Strong Management Team
Strong Management Team Mr. Madhu Madhavan Pillai GM & Head – MBG & Zonal Head Branch Banking, 34 years ● Masters in Mathematics ; Certified Associate of Indian Institute of Banking & Finance (CAIIB) ; Associated with the bank for more than 30 years ● Vast experience in Branch Banking (Retail/MSME),
Slide 44: Thank You
THANK YOU 43
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