South Indian Bank Limited · NSE:SOUTHBANK
South Indian Bank — The South Indian Bank — Q1 FY2026-27 Earnings Presentation
49 slides from South Indian Bank's earnings presentation, Jul 16, 2026
Slide 1: Exchange filing cover letter
DEPT : SECRETARIAL REF. No. : SEC/ST.EX.STT/53/2026-27 DATE : July 16, 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,
Slide 2: Investor Presentation Q1FY 2026-27
Investor Presentation |. “ye Q1FY 2026-27
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
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) Q1FY27 Rs. 104,368 Cr Rs. 36,048 Cr Rs. 125,817 Cr Rs. 124,306 Cr 32.98% Gross Advances Disbursements Deposits Retail Deposits CASA % Rs. 89,198 Cr Rs. 52,305 Cr Rs. 112,922 Cr Rs. 109,368 Cr 32.06% Large Scale of Operations Q1FY26 Q1FY27 Rs. 378 Cr 3.23% 1.05% 12.84% Ne
Slide 8: Performance Highlights (2/2)
Performance Highlights (2/2) Q1FY27 1.38% 0.26% 94.51% 81.40% 19.62% PCR PCR GNPA NNPA CRAR (incl. w/off) (excl. w/off) 3.15% 0.68% 88.82% 78.93% 19.48% Healthy Asset Quality Q1FY26 Q1FY27 953 9,323 26 / 4 98.7% Digital Branches Employees States / UTs Transactions 948 9,253 26 / 4 98.3% Q1FY26 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 Disbursements Rs. Cr Rs. Cr Cumulative for the quarter 17%* 1,04,368 1,00,274 1,80,023 96,764 92,286 1,44,777 89,198 1,05,025 52,305 36,048 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'F
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 Rs. Cr 14% 14,391 Rs. Cr 43% 9% 24,930 2,326 2,132 12,660 17,446 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Home Loans Auto Loans Mortgage Loans Rs. Rs. Cr Rs. Cr -11% Rs. Cr
Slide 13: Consistent growth momentum in advances continues
Consistent growth momentum in advances continues Consistent growth in Avg. Advances Rs. Cr 59% 98,011 99,738 92,544 86,876 82,197 83,495 86,061 84,945 78,449 80,387 71,016 72,379 74,693 67,353 69,235 62,625 63,877 Growth of 17% Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3
Slide 14: 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 Rs. Cr 28,336 41,704 Standard Large 25,629 Corporate Advances, 38,353 38,670 27% 37,110 37,008 Others, 73% Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Jun'26 High share o
Slide 15: 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 Jun-25 Sep-25 Dec-25 Mar-26# Jun-26# Expansion of ECG Establish dedicated ECG centres across high-potential locations to enhance geographic coverage and deepen MSME/SME 9,700 9,923 9,807 9
Slide 16: Pan India presence with focus on diversification
2 Pan India presence with focus on diversification Diversifying Loan Book Outside Kerala Branch Network Q1’FY27 Loan Book Branches1 Q1’FY26 Rs. 89,198 Cr 953 Has a network of 948 953 Branches across India Kerala, 30% Rest of India, South (Ex- 37% Q1FY26 Q1FY27 Kerala), 33% ATM / CRM 1,274 1,274 Loan
Slide 17: 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% 1.46% 1.43% 1.38% 0.92% 179 0.29% 0.26% Mar-21 Mar-22 Mar-23 M
Slide 18: 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 575 913 521 504 490 1,00 0 2.0 % 600 2.0 0% 826 839 415 900 500 740 1.5 % 347 1.5 0% 687 800 638 306 400 288 269 0.7% 0.7% 7
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 123,346 125,817* % Deposits Rs. Cr 115,635 118,211 112,922 32.98% 32.12% 31.86% 31.84% 41,496 32.06% 39,621 36,841 37,640 36,204 80,495 82,810 75,784 77,923 73,164 Q1'FY26 Q2'FY26
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 7.44 7.13 7.34 7.42 7.43 4.82 4.74 4.77 4.77 4.53 Deposit Type Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 NR SB 7,728 8,143 8,533 9,112 9,501
Slide 21: 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 22: Multitude of Digital Initiatives
5 Multitude of Digital Initiatives… Driving customer empowerment through continuous digital transformation RE-IMAGINING BANKING THROUGH EXTENSIVE INNOVATIVE PRODUCT ECOSYSTEM DIGITIZATION Integration with ICEGATE for Authorized Dealer code & Bank Account Verification SME POWER: STP based Simplified
Slide 23: AI at South Indian Bank
Multitude of Digital Initiatives… AI at South Indian Bank Artificial Intelligence (AI) capabilities are now in production across the Bank, powered by Zeni — our IN-HOUSE INNOVATION · POWERED BY ZENI proprietary, open-source-based AI framework Spanning productivity, customer experience, engineering,
Slide 24: 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 4,450 4,405 4,351 4,121 98.7% 3,835 98.5% 98.5% 98.4% 98.3% Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Internet Transaction Volum
Slide 25: Creating operational efficiency
….creating operational efficiency Employee Additions Cost-to-Income Ratio (Quarterly) 186 59.6% 57.2% 53.8% 57.9% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 55.3% -7 3 -101 -88 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Improving productivity metrics Rs. Cr Rs. Cr Business per Employee Business per Branch 24.5 234
Slide 26: Robust Track Record of Financial Performance
6 Robust Track Record of Financial Performance Total Business Gross Advances Disbursements Rs. Cr Rs. Cr Rs. Cr 1,04,368 1,80,023 1,00,274 1,63,270 2,23,619 2,30,185 87,579 1,95,104 80,426 1,82,346 95,040 1,63,743 72,092 1,50,957 61,816 54,800 36,048 24,533 FY22 FY23 FY24 FY25 FY26 Q1 FY27 FY22 FY23
Slide 27: Key Areas of Focus
KEY AREAS OF FOCUS BEDE Ei pin 18
Slide 28: 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 27
Slide 29: 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 30: 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 31: The Way Forward – Building Frictionless Processes
The Way Forward- ‘Building Frictionless Processes’ Authenticated Customer Engagement 22 Signature updation (Live from Jun 2026) ACE module to facilitate secure, digitally authenticated customer service requests 17 (Live from Jan 2026) A digital self service feature integrated into Mirror plus mobile
Slide 32: Growing Non-branch Distribution & Leveraging Partnerships
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
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: Annexure
ANNEXURE 34
Slide 36: Profit & Loss Overview (Standalone)
Profit & Loss Overview (Standalone) Particulars (Rs. In Cr) Q1-FY27 Q1-FY26 Y-o-Y (%) Q4-FY26 Q-o-Q (%) Net Interest Income 1,025 832 23% 915 12% Non-Interest Income 379 622 -39% 386 -2% Core Fee Income 179 188 -5% 191 -6% Treasury & Forex 44 256 -83% 0 - Other 156 178 -12% 195 -20% Total Income 1,4
Slide 37: Balance Sheet Overview (Standalone)
Balance Sheet Overview (Standalone) Particulars (Rs. In Cr) Q1 FY27 Q1 FY26 Y-o-Y (%) Q4 FY26 Q-o-Q (%) Capital & Liabilities 1,44,451 1,27,770 13% 1,41,756 2% Capital 262 262 0% 262 0% Reserves and Surplus 11,539 10,142 14% 11,142 4% Deposits 1,25,817 1,12,922 11% 1,23,346 2% Borrowings 3,607 1,728
Slide 38: Key Metrics
Key Metrics Particulars Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 Net Interest Margin (NIM) 3.23% 2.95% 2.86% 2.80% 3.03% CRAR Basel III 19.62% 19.66% 17.84% 17.70% 19.48% RoA* 1.05% 1.17% 1.07% 1.02% 1.01% RoE* 12.84% 14.49% 13.49% 13.11% 12.41% Provision Coverage (Incl. W/off) 94.51% 94.10% 91.57% 90.25%
Slide 39: Non-Performing Assets
Non-Performing Assets GNPA & NNPA Improving Credit Quality Ever 30+ at 6 MOB* (Excl. corporate) GNPA NNPA 3.15% 1.50% 1.20% 2.93% 0.90%0.80% 2.67% 0.70% 0.80% 0.43% 0.54%0.54% 0.54%0.22% 0.37% 0.43% 0.90% 0.90% 1.43% 1.38% 0.68% 0.56% 0.45% 0.29% 0.26% * Ever 30 at 6 MOB is defined as the sum of the
Slide 40: Provisions
Provisions Rs. Cr Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 For NPA & NPI 83 15 61 58 249 For Standard Assets 14 18 20 6 (5) For Restructured Advances/Sacrifices (2) (2) (2) (3) (6) & FITL (2) For Unhedged Forex Exposure 4 (1) 1 - Others (9) - 2 1 1 Taxes 130 139 130 121 111 Total Provisions 214 174 210 18
Slide 41: Slippages & Collection Efficiency
Slippages & Collection Efficiency Slippage Ratio Collection Efficiency 0.20 0.21 101.3% 100.4% 100.4% 101.1% 0.16 100.1% 0.15 0.12 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Segment wise GNPA Segment wise Slippages Rs. Cr Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Rs. Cr Q1 FY26 Q
Slide 42: Stressed Assets
Stressed Assets Restructured Standard Assets Sectoral Break-up Rs. Cr 277 3% 0% On account of MSME 241 restructuring 215 193 175 30% General - DCCO Extension OTR COVID Personal Segment 46% OTR COVID MSME 21% OTR COVID Others Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 COVID One Time Restructuring Security Re
Slide 43: Investment Book
Investment Book SLR & NON-SLR Treasury & Forex Income * Rs. in Cr Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 256 SLR 22,181 28,620 28,076 25,339 23,970 NON-SLR 1,731 2,153 2,097 2,079 2,546 Total 23,912 30,773 30,173 27,418 26,516 M Duration 241 5.37 5.53 5.44 5.51 5.17 70 73 51 55 38 13 15 15 19 18 22 23 -
Slide 44: 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 Jun-26 CET 1 18.76% 18.93% 19.66% 19.62% Total Capital 7,273 7,258 7,977 9,985 10,
Slide 45: 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 46: 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 47: Strong Management Team
Strong Management Team Mr. Vinod A N Mr. Nehru Singh B SGM & Head of Treasury, 31 years SGM & Chief Risk Officer & Head – Credit Policy, 29 years ● Associated with Kotak Group & SBI during last 28 years. Masters in Financial ● MBA &CAIIB qualified, Has 29+ years of experience in the Banking Industry
Slide 48: 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 49: Thank You
THANK YOU 48
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