South Indian Bank Limited · NSE:SOUTHBANK
South Indian Bank — The South Indian Bank — Q4 FY2025-26 Earnings Presentation
51 slides from South Indian Bank's earnings presentation, May 6, 2026
Slide 1: Exchange filing cover letter: Presentation to Investors and Analysts
DEPT: SECRETARIAL REF. No. : SEC/ST.EX.STT/15/2026-27 DATE : May 06, 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 Building, P
Slide 2: Closing strong, building ahead - Investor Presentation Q4 FY 2025-26
Closing strong, building ahead Investor Pre Q4 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: Brief Snapshot About South Indian Bank – Key Highlights; Transformation Journey; Annexure
1 Brief Snapshot 2 About South Indian Bank – Key Highlights 3 Transformation Journey of the Bank 4 Annexure 3
Slide 5: A Year of Consolidation
A Year of Consolidation Major Highlights for the Financial Year 2025-26 Best ever Total Income Other Income PPOP Net Profit PCR (Incl. w/off) Rs. 5,447 crore Rs. 2,010 crore Rs. 2,373 crore Rs. 1,455 crore 94.10% Significant indicators of progress…. RoE 12.76% GNPA 1.43% Slippage Ratio 0.72% RoA 1.0
Slide 6: Key Highlights
Key Highlights Portfolio quality continues to improve 1 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 Second year of Positive Operati
Slide 7: Brief Snapshot
BRIEF SNAPSHOT 6
Slide 8: Performance Highlights (1/2)
Performance Highlights (1/2) Q4FY26 Rs. 100,274 Cr Rs. 180,023 Cr Rs. 123,346 Cr Rs. 120,116 Cr 32.12% Disbursements Gross Advances Deposits Retail Deposits CASA % (12M) Rs. 87,579 Cr Rs. 163,270 Cr Rs. 107,526 Cr Rs. 104,750 Cr 31.37% Large Scale of Operations Q4FY25 Q4FY26 Rs. 408 Cr 2.95% 1.17% 1
Slide 9: Performance Highlights (2/2)
Performance Highlights (2/2) Q4FY26 1.43% 0.29% 94.10% 79.87% 19.66% PCR PCR GNPA NNPA CRAR (incl. w/off) (excl. w/off) 3.20% 0.92% 85.03% 71.77% 19.31% Healthy Asset Quality Q4FY25 Q4FY26 948 9,147 26 / 4 98.5% Digital Branches Employees States / UTs Transactions 948 9,369 26 / 4 98.2% Q4FY25 Multi
Slide 10: About South Indian Bank – Key Highlights
ABOUT SOUTH INDIAN BANK – KEY HIGHLIGHTS
Slide 11: 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 12: 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 Disbursements Rs. Cr Rs. Cr Cumulative for the quarter 14.5%* 1,00,274 1,80,023 96,764 1,63,270 92,286 1,44,777 87,579 89,198 1,05,025 52,305 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q4
Slide 13: Consistent growth momentum in retail advances continues
Consistent growth momentum in retail advances continues Mortgage Loan* Home Loans* Personal Segment Rs. Cr Rs. Cr Rs. Cr 29% 43% 5,435 7,877 -1% 28,901 7,793 27,221 26,155 24,222 22,405 3,814 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Mar'26 Mar'25 Mar'26 Mix of Personal Segment Auto Loans Gold (Incl
Slide 14: Consistent growth momentum in advances continues
Consistent growth momentum in advances continues Consistent growth in Avg. Advances Rs. Cr 57% 98,011 92,544 86,061 84,945 86,876 80,387 82,197 83,495 78,449 74,693 71,016 72,379 67,353 69,235 62,625 63,877 Growth of 14% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4
Slide 15: Branch Value Added – Same Store Sales
Branch Value Added – Same Store Sales Branch Value Added Branch Value Added – Region wise 255% 211% 192% Branch Sales Value Added (Indexed) 184% 204% 172% 189% 139% 139% 187% 135% 174% 170% 119% 134% 149% 199% 100% 104% 130% 189% 189% 129% 109% 124% 97% 95% 93% 145% 135% 136% 110% 100% 99% Q4 FY24 Q
Slide 16: 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 25,601 Rs. Cr 24,066 38,353 38,670 Standard Large 37,110 37,008 Corporate Advances, 36,198 26% Others, 74% Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Mar'26 High share o
Slide 17: 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 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26# Expansion of ECG Establish dedicated ECG centres across high-potential locations to enhance geographic coverage and deepen MSME/SME 9,698 9,700 9,923 9,
Slide 18: Pan India presence with focus on diversification
2 Pan India presence with focus on diversification Diversifying Loan Book Outside Kerala Branch Network Q4’FY26 Loan Book Branches1 Q4’FY25 948 948 Rs. 87,579 Cr Has a network of 948 Branches 70 across India Kerala, %b 30% Rest of ook is O India, South (Ex- 37% Q4FY25 Q4FY26 Kerala), 33% ATM / CRM u
Slide 19: 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 1,356* 5.90% 5.14% 4.71% 4.50% 2.97% 3.20% 690 1.86% 1.46% 1.43% 0.92% 0.29% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar
Slide 20: Pristine Asset Quality with enhanced metrics
Pristine Asset Quality with enhanced metrics SMA 1 showing consistent improvement… …with lowest ever 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% 687 400 306 700 638 288 553 1.0 % 3
Slide 21: 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 123,346 % Deposits Rs. Cr 118,211 115,635 112,922 107,526 32.12% 31.86% 31.84% 32.06% 39,621 31.37% 37,640 36,204 36,841 33,730 80,495 75,784 77,923 73,164 71,021 Q4'FY25 Q1'FY26
Slide 22: 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 7.83 7.44 7.42 7.13 7.34 Deposit Type Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 4.96 4.82 4.74 4.77 4.77 NR SB 7,480 7,728 8,143 8,533 9,112
Slide 23: Branch 2.0: From transaction to community presence
Branch 2.0: From transaction to community presence, enabling an engaged customer base To ensure every customer interaction feels like “We’re with you.” A brand promise communicated strongly to the customers Moving from ‘evolutionary’ processes to ‘processes consciously designed’ to improve branch ef
Slide 24: Multitude of Digital Initiatives…
5 Multitude of Digital Initiatives… Driving customer empowerment through continuous digital transformation RE-IMAGINING BANKING THROUGH EXTENSIVE DIGITIZATION INNOVATIVE PRODUCT ECOSYSTEM SIB FINX a completely Strengthened digital lending Digital Core Evolution – End-to end digitization of Digital S
Slide 25: AI at South Indian Bank
Multitude of Digital Initiatives… AI at South Indian Bank. CAPABILITIES IN PRODUCTION IN-HOUSE INNOVATION · POWERED BY ZENI Spanning productivity, customer experience, engineering, and risk & compliance. Artificial-intelligence capabilities are now in production across the Bank, powered by Zeni — ou
Slide 26: ….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 4,405 4,351 4,121 3,835 98.5% 98.5% 98.4% 3,873 98.2% 98.3% Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Internet Transaction Volum
Slide 27: ….creating operational efficiency
….creating operational efficiency Employee Additions Cost-to-Income Ratio (Quarterly) 59.6% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 -7 3 53.8% 57.2% 52.6% -88 55.3% -66 -101 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Improving productivity metrics Rs. Cr Rs. Cr Business per Employee Business per Branch 22.7 216
Slide 28: Robust Track Record of Financial Performance
6 Robust Track Record of Financial Performance Total Business Gross Advances Disbursements Rs. Cr Rs. Cr Rs. Cr 1,00,274 1,80,023 1,63,270 2,23,619 87,579 1,95,104 80,426 1,82,346 95,040 1,63,743 72,092 1,42,128 1,50,957 59,418 61,816 54,800 24,533 FY21 FY22 FY23 FY24 FY25 FY26 FY21 FY22 FY23 FY24 F
Slide 29: 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 28
Slide 30: 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 01 08 (Live from May 2025) Revamped with attractive features and streamlined process, for overseas process from login to disbursement for MSME Overdraft proposals upto ₹50
Slide 31: The Way Forward - Building Frictionless Processes
The Way Forward- ‘Building Frictionless Processes’ ULI based KCC SIB Gold Xpress (Live from Aug 2025) SIB Gold Xpress, a product introduced in 09 16 (Live from Oct 2025) It is a new KCC variant integrated with the ULI platform, enabling seamless and digital alignment with revised RBI guidelines. The
Slide 32: Growing Non-branch Distribution & Leveraging Partnerships (Asset)
Way Forward – Growing Non- branch Distribution & Leveraging Partnerships Asset partnerships Co-lending partnerships SIB partners with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance & Personal loans for Amazon customers, aiming to enhance its retail portf
Slide 33: Growing Non-branch Distribution & Leveraging Partnerships (Liability)
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 34: The Way Forward – Building Frictionless Processes
The Way Forward – Building ‘Frictionless Processes’ Improving Operating efficiency Significant momentum in Retail and MSME Segment 1 Gold, 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 gatherin
Slide 35: Transformation Journey of the Bank
TRANSFORMATION JOURNEY OF THE BANK 34
Slide 36: Significant transformation of business since Sep'2020
Significant transformation of business since Sep’2020 Churned around 88% of overall loan book since Oct’ 2020 (INR Cr) (INR Cr) Sep’20 65,349 Mar’26 12,401 Old Book 77% of Current GNPA is from Old New Book book 87,873 Old Book New Book Current Book 23% Old Book 77% Old Loan Current Current Book Loan
Slide 37: Annexure
ANNEXURE 36
Slide 38: Profit & Loss Overview (Standalone)
Profit & Loss Overview (Standalone) Particulars (Rs. In Cr) Q4-FY26 Q4-FY25 Y-o-Y (%) Q3-FY26 Q-o-Q (%) FY26 FY25 Y-o-Y (%) Net Interest Income 915 868 5% 881 4% 3,437 3,486 -1% Non-Interest Income 386 572 -33% 486 -21% 2,010 1,813 11% Core Fee Income 191 194 -2% 203 -6% 787 758 4% Treasury & Forex
Slide 39: Balance Sheet Overview (Standalone)
Balance Sheet Overview (Standalone) Particulars (Rs. In Cr) Q4 FY26 Q4 FY25 Y-o-Y (%) Q3 FY26 Q-o-Q (%) Capital & Liabilities 1,41,756 1,24,655 14% 1,38,497 2% Capital 262 262 0% 262 0% Reserves and Surplus 11,142 9,838 13% 10,749 4% Deposits 1,23,346 1,07,526 15% 1,18,211 4% Borrowings 3,927 4,300
Slide 40: Key Metrics
Key Metrics Particulars Q4FY26 Q3FY26 Q2FY26 Q1FY26 Q4FY25 Q3FY25 Q2FY25 Q1FY25 Net Interest Margin (NIM) 2.95% 2.86% 2.80% 3.03% 3.21% 3.19% 3.24% 3.26% CRAR Basel III 19.66% 17.84% 17.70% 19.48% 19.31% 18.00% 18.04% 18.11% RoA* 1.17% 1.07% 1.02% 1.01% 1.11% 1.12% 1.07% 1.00% RoE* 14.49% 13.49% 13.
Slide 41: Non-Performing Assets
Non-Performing Assets GNPA & NNPA Improving Credit Quality Ever 30+ at 6 MOB* (Excl. corporate) GNPA NNPA 3.20% 3.15% 1.50% 2.93% 1.20% 2.67% 0.90% 0.80% 0.70% 0.80% 0.43% 0.54% 0.54% 0.54% 0.22% 0.37% 0.90% 0.90% 1.43% 0.92% 0.68% 0.56% 0.45% 0.29% * Ever 30 at 6 MOB is defined as the sum of the or
Slide 42: Provisions
Provisions Rs. Cr Q4FY26 Q3FY26 Q2FY26 Q1FY26 Q4FY25 Q3FY25 Q2FY25 Q1FY25 For NPA & NPI 15 61 58 249 234 71 148 120 For Standard Assets 18 20 6 (5) (1) 2 (7) (2) For Restructured (2) (2) (3) (6) (9) (6) (30) (11) Advances/Sacrifices & FITL For Unhedged Forex Exposure 4 (1) 1 - - (2) (1) 1 Others - 2
Slide 43: Slippages & Collection Efficiency
Slippages & Collection Efficiency Slippage Ratio Collection Efficiency 101.1% 0.24 101.3% 100.4% 0.20 0.21 99.9% 100.1% 0.16 0.15 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Segment wise GNPA Segment wise Slippages Rs. Cr Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Rs. Cr New Book O
Slide 44: Stressed Assets
Stressed Assets Restructured Standard Assets Sectoral Break-up Rs. Cr 317 3% 0% On account of MSME 277 restructuring 241 215 28% General - DCCO Extension 193 OTR COVID Personal Segment 46% OTR COVID MSME 23% OTR COVID Others Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 COVID One Time Restructuring Security Re
Slide 45: Investment Book
Investment Book SLR & NON-SLR Treasury & Forex Income * Rs. in Cr Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 256 SLR 20,049 22,181 28,620 28,076 25,339 NON-SLR 1,808 1,731 2,153 2,097 2,079 Total 21,857 23,912 30,773 30,173 27,418 M Duration 241 5.37 5.53 5.44 5.18 5.17 87 70 73 72 51 55 13 15 15 19 18 22 -
Slide 46: 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 CET 1 16.88% 18.76% 19.66% Total Capital 7,273 7,258 7,977 9,985 10,227 11,117 Tie
Slide 47: Strong Management Team
Strong Management Team Mr. P R Seshadri MD & CEO, 32 years ● Bachelor’s degree in Engineering from the Delhi College of Engineering and a Post Graduate Diploma in Management from IIM Bangalore. ● An accomplished banker with more than 32 years of experience in Retail sales, distribution and lending b
Slide 48: Strong Management Team
Strong Management Team Mr. Sony A CGM & CIO, 34 years ● Certified Information Systems Auditor from ISACA, USA and MBA. Over 30 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 49: Strong Management Team
Strong Management Team Mr. Sivaraman K SGM & Head Banking Operations Group, 33 years ● Associated with SIB for more than 30 years ● Rich experience in Branch Banking, Headed major regions of the bank, Credit Policy, Mid / Large Corporate CPC’s. Mr. Vinod A N SGM & Head of Treasury, 31 years ● Associ
Slide 50: Strong Management Team
Strong Management Team Mr. Shibu K Thomas Mr. Sreekumar Chengath GM - IT, 26 years GM & Head – Business Process Group, 31 years ● Bachelors Degree in Engineering with certification in cyber security ● B. Tech in Computer Engineering, MBA in Banking and Finance, Certified ● Experienced IT and cyber s
Slide 51: Thank You
THANK YOU 50
The South Indian Bank — Q4 FY2025-26 Earnings Presentation on 6ix