South Indian Bank Limited · NSE:SOUTHBANK
South Indian Bank — The South Indian Bank — Q3 FY2025-26 Earnings Presentation
47 slides from South Indian Bank's earnings presentation, Jan 15, 2026
Slide 1: Exchange covering letter: Presentation to Investors and Analysts
DEPT: SECRETARIAL REF. No. : SEC/ST.EX.STT/169/2025-26 DATE : January 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 Buildin
Slide 2: Investor Presentation Q3 FY 2025-26
Establishing Trust And Reliabilt | Every Time Investing in Relationships since 1929 Investor Presentation Q3 FY 2025-26
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: Contents
1 Brief Snapshot 2 About South Indian Bank – Key Highlights 3 Transformation Journey of the Bank 4 Annexure 3
Slide 5: Key Highlights
Key Highlights 1 Portfolio quality continues to hold 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 4
Slide 6: Brief Snapshot
BRIEF SNAPSHOT
Slide 7: Performance Highlights (1/2)
Performance Highlights (1/2) Q3FY26 Rs. 96,764 Cr Rs. 144,777 Cr Rs. 118,211 Cr Rs. 115,563 Cr 31.84% Disbursements Gross Advances Deposits Retail Deposits CASA % (9M) Rs. 86,966 Cr Rs. 122,572 Cr Rs. 105,387 Cr Rs. 102,421 Cr 31.15% Large Scale of Operations Q3FY25 Q3FY26 Rs. 374 Cr 2.86% 1.07% 13.
Slide 8: Performance Highlights (2/2)
Performance Highlights (2/2) Q3FY26 2.67% 0.45% 91.57% 83.50% 17.84% PCR PCR GNPA NNPA CRAR (incl. w/off) (excl. w/off) 4.30% 1.25% 81.07% 71.73% 18.00% Healthy Asset Quality Q3FY25 Q3FY26 948 9,239 26 / 4 98.49% Digital Branches Employees States / UTs Transactions 950 9,448 26 / 4 98.15% Q3FY25 Mul
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
1 Diversified loan book with granularity & growth in disbursements in MSME and Retail Consistently growing loan book…. …and Disbursements Rs. Cr Rs. Cr Cumulative for the quarter 11.3% 96,764 92,286 87,579 89,198 1,63,270 86,966 1,44,777 1,22,572 1,05,025 52,305 Q3'FY25 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY
Slide 12: Consistent growth momentum in retail advances continues
Consistent growth momentum in retail advances continues Mortgage Loan* Home Loans* Personal Segment Rs. Cr Rs. Cr 8,430 Rs. Cr 23% 29% 4534 3% 27,221 26,155 8,195 24,222 22,143 22,405 3503 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Dec'24 Dec'25 Dec'24 Dec'25 Mix of Personal Segment Auto Loans Gold (Incl Ag
Slide 13: Consistent growth momentum in advances continues
Consistent growth momentum in advances continues Consistent growth in Avg. Advances Rs. Cr 48% 92,544 86,876 82,197 83,495 86,061 84,945 78,449 80,387 74,693 69,235 71,016 72,379 67,353 62,625 63,877 Growth of 11% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1
Slide 14: Branch Value Added – Same Store Sales
Branch Value Added – Same Store Sales Branch Value Added Branch Value Added – Region wise 193% 221% 186% 168% 184% 129% 126% 162% Branch Sales Value Added (Indexed) 119% 147% 189% 100% 101% 102% 117% 128% 125% 113% 165% 91% 92% 118% 85% 105% 125% 129% 120% 100% 106% 95% Q4 FY2024 Q1 FY2025 Q2 FY2025
Slide 15: 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) 25,538 Rs. Cr Rs. Cr 21,638 38,353 Standard Large 37,110 37,008 Corporate Advances, 36,198 26% 34,956 Others, 74% Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Dec'24 Dec'25 High share o
Slide 16: 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 Dec-24 Mar-25# Jun-25 Sep-25 Dec-25 9,317 9,698 9,700 9,923 9,807 Dedicated Vertical MSME customers relationship managed by dedicated team with Relationship Managers and Sales Managers. MS
Slide 17: Pan India presence with focus on diversification
2 Pan India presence with focus on diversification Diversifying Loan Book Outside Kerala Branch Network Q3’FY26 Loan Book Branches1 Q3’FY25 Rs. 86,966 Cr Has a network of 950 948 948 Branches across India Kerala, Rest of 30% India, 36% South (Ex- Q3FY25 Q3FY26 Kerala), 34% ATM / CRM 1,280 1,269 Loan
Slide 18: 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 GNPA NNPA 1,814 1,642 6.97% 1,464 1,534 5.90% 5.14% 4.71% 4.50% 954* 2.97% 3.20% 690 2.67% 1.86% 1.46% 0.92% 0.45% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-2
Slide 19: 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… Rs. Cr % Deposits Rs. Cr 118,211 112,922 115,635 107,526 31.86% 31.84% 105,387 32.06% 31.37% 36,841 37,640 31.15% 36,204 33,730 32,830 75,784 77,923 73,164 69,590 71,021 Q3'FY25 Q4'FY25
Slide 20: 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 7.64 7.83 7.44 7.34 7.13 4.84 4.96 4.82 4.74 4.77 Deposit Type Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 NR SB 7,424 7,480 7,728 8,143 8,533
Slide 21: Multitude of Digital Initiatives
5 Multitude of Digital Initiatives… Driving customer empowerment through continuous digital transformation Strengthened fraud risk management UIDAI Face authentication in UPI for SIB HER: Premium domestic, NRE framework with advanced behavioral setting UPI PIN & Biometric and NRO savings account des
Slide 22: 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 4,351 4,121 3,835 98.5% 3,873 98.4% 3,728 98.3% 98.2% 98.2% Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Internet Transaction Volum
Slide 23: Creating operational efficiency
….creating operational efficiency Employee Additions Cost-to-Income Ratio (Quarterly) 3 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 59.8% -7 -66 59.6% 53.8% 57.2% -101 52.6% -214 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Improving productivity metrics Rs. Cr Rs. Cr Business per Employee Business per Branch 212 22.1
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 2,14,975 96,764 1,95,104 87,579 1,63,270 1,82,346 1,44,777 80,426 1,63,743 72,092 1,50,957 95,040 1,42,128 59,418 61,816 54,800 24,533 FY21 FY22 FY23 FY24 FY25 Dec-25 FY21 FY22 FY23 FY24 F
Slide 25: 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 24
Slide 26: The Way Forward – Building Frictionless Processes
The Way Forward- ‘Building Frictionless Processes’ GST Power Edu Power (Live from Apr 2024) The STP Model now manages the entire process from login to disbursement for 01 08 (Live from May 2025) Revamped with attractive features and streamlined process, for overseas MSME Overdraft proposals upto ₹50
Slide 27: The Way Forward – Building Frictionless Processes
The Way Forward- ‘Building Frictionless Processes’ 16 SIB Gold Xpress ULI based KCC 09 (Live from Aug 2025) (Live from Oct 2025) It is a new KCC variant integrated with the ULI SIB Gold Xpress, a product introduced in platform, enabling seamless and digital alignment with revised RBI guidelines. The
Slide 28: Growing Non-branch Distribution & Leveraging Partnerships
Way Forward – Growing Non- branch Distribution & Leveraging Partnerships Growing Non – Branch Distribution and Leveraging Partnerships Co-lending partnerships Liability Partnerships Fintech Partnership- allowing NTB customers to open deposit accounts SIB partners with CapFloat Financial Services Pri
Slide 29: The Way Forward – Building Frictionless Processes
The Way Forward – Building ‘Frictionless Processes’ Improving Operating efficiency Significant momentum in Retail and MSME Segment 1 Gold, Home, Auto, MSME, CV/CE showing good traction 79:21 – Tooth to Tail Ratio 2 Further progress expected during the financial year Training/ Re-skilling of staff ga
Slide 30: Transformation Journey of the Bank
TRANSFORMATION JOURNEY OF THE BANK
Slide 31: Significant transformation of business since Sep'2020
Significant transformation of business since Sep’2020 Churned around 85% of overall loan book since Oct’ 2020 (INR Cr) (INR Cr) Sep’20 65,349 Dec’25 14,434 Old Book 84% of Current GNPA is from Old New Book book 82,330 Old Book New Book Current Book 16% Old Book 84% Old Loan Current Current Book Loan
Slide 32: Annexure
ANNEXURE
Slide 33: Profit & Loss Overview (Standalone)
Profit & Loss Overview (Standalone) Particulars (Rs. In Cr) Q3-FY26 Q3-FY25 Y-o-Y (%) Q2-FY26 Q-o-Q (%) 9M FY26 9M FY25 Y-o-Y (%) Net Interest Income 881 869 1% 808 9% 2,522 2,617 -4% Non-Interest Income 486 409 19% 516 -6% 1,623 1,241 31% Core Fee Income 203 188 8% 206 -1% 596 564 6% Treasury & For
Slide 34: Balance Sheet Overview (Standalone)
Balance Sheet Overview (Standalone) Particulars (Rs. In Cr) Q3 FY26 Q3 FY25 Y-o-Y (%) Q2 FY26 Q-o-Q (%) Capital & Liabilities 1,38,497 1,20,860 15% 1,36,039 2% Capital 262 262 0% 262 0% Reserves and Surplus 10,749 9,474 13% 10,374 4% Deposits 1,18,211 1,05,387 12% 1,15,635 2% Borrowings 6,212 2,956
Slide 35: Key Metrics
Key Metrics Particulars Q3FY26 Q2FY26 Q1FY26 Q4FY25 Q3FY25 Q2FY25 Q1FY25 Net Interest Margin (NIM) 2.86% 2.80% 3.03% 3.21% 3.19% 3.24% 3.26% CRAR Basel III 17.84% 17.70% 19.48% 19.31% 18.00% 18.04% 18.11% RoA* 1.07% 1.02% 1.01% 1.11% 1.12% 1.07% 1.00% RoE* 13.49% 13.11% 12.41% 13.74% 13.93% 13.71% 1
Slide 36: Non-Performing Assets
Non-Performing Assets GNPA & NNPA Improving Credit Quality Ever 30+ at 6 MOB* (Excl. corporate) GNPA NNPA 1.50% 4.30% 1.20% 0.90% 0.80% 0.70% 0.80% 3.20% 3.15% 0.43% 0.54% 0.54% 0.54% 2.93% 0.22% 2.67% 0.90% 0.90% 1.25% 0.92% 0.68% 0.56% 0.45% * Ever 30 at 6 MOB is defined as the sum of the original
Slide 37: Provisions
Provisions Rs. Cr Q3FY26 Q2FY26 Q1FY26 Q4FY25 Q3FY25 Q2FY25 Q1FY25 For NPA & NPI 61 58 249 234 71 148 120 For Standard Assets 20 6 (5) (1) 2 (7) (2) For Restructured (2) (3) (6) (9) (6) (30) (11) Advances/Sacrifices & FITL For Unhedged Forex Exposure (1) 1 - - (2) (1) 1 Others 2 1 1 - 1 - 5 Taxes 13
Slide 38: Slippages & Collection Efficiency
Slippages & Collection Efficiency Slippage Ratio Collection Efficiency 0.33 100.8% 101.3% 100.1% 0.24 99.9% 100.4% 0.20 0.21 0.16 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Segment wise GNPA Segment wise Slippages Rs. Cr Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Rs. Cr New Book O
Slide 39: Stressed Assets
Stressed Assets Restructured Standard Assets Sectoral Break-up Rs. Cr 0% On account of MSME 404 restructuring 7% 317 25% General - DCCO Extension 277 241 215 OTR COVID Personal Segment 44% OTR COVID MSME 23% OTR COVID Others Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 COVID One Time Restructuring Security Re
Slide 40: Investment Book
Investment Book SLR & NON-SLR Treasury & Forex Income * Rs. in Cr Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 256 SLR 21,737 20,049 22,181 28,620 28,076 NON-SLR 1,785 1,808 1,731 2,153 2,097 Total 23,522 21,857 23,912 30,773 30,173 M Duration 241 5.37 5.53 5.44 5.18 4.81 88 87 70 73 74 72 51 55 14 15 15 19 1
Slide 41: Capital Composition
Capital Composition Risk Weighted Assets CRAR Total Capital Adequacy Ratio is well above minimum regulatory requirement of 11.50% Tier 1 Tier 2 CET 1 16.79% 16.88% 19.48% 19.31% Tier 1 Tier 2 17.70% 17.84% 1.23% 0.91% 0.96% 1.33% 18.00% 16.79% 16.88% 17.84% 17.70% 1.32% 0.96% Sep'25 Dec'25 0.91% Tot
Slide 42: Standout Performance at IBA Banking Technology Awards 2024-25
Standout Performance at IBA Banking Technology Awards 2024-25 BEST TECH TALENT & ORGANISATION- WINNER Consistent Winner across the years highlighting BEST DIGITAL SALES & ENGAGEMENT- RUNNER UP the Bank’s commitment to next-gen banking BEST TECHNOLOGY BANK OF THE YEAR- RUNNER UP Leads with highest nu
Slide 43: Strong Management Team
Strong Management Team Mr. P R Seshadri MD & CEO, 32 years Mr. Dolphy Jose ● Bachelor’s degree in Engineering from the Delhi College of Engineering and Executive Director, 31 years a Post Graduate Diploma in Management from IIM Bangalore. ● More than 31 years of experience , MBA in General Managemen
Slide 44: Strong Management Team
Strong Management Team Mr. Sony A SGM & CIO, 33 years ● Certified Information Systems Auditor from ISACA, USA and MBA. Over 29 years of experience in banking technology. Instrumental in setting up key systems like Business Process. ● Management tools, CRM systems, Treasury & Risk Management. Leads t
Slide 45: Strong Management Team
Strong Management Team Mr. Nandakumar G SGM & Chief of Internal Vigilance, 33 years ● Associated with SIB for more than 29 years. Head of Inspection and Vigilance ● Vast experience across business functions like Branch/RO management, Retail Banking including Bancassurance and Marketing. Headed three
Slide 46: Strong Management Team
Strong Management Team Mr. Jimmy Mathew Mr. Vinod Francis GM - Head HR & Company Secretary, 19 years GM & Chief Financial Officer, 20 years ● B. Com, FCS, ACMA, Certified CSR Professional, Certified course in HR ● Associate member of the ICAI and Certified Associate of the Institute of Management, I
Slide 47: Thank You
THANK YOU
The South Indian Bank — Q3 FY2025-26 Earnings Presentation on 6ix