The South Indian Bank Limited — Investor Meet, 20-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

South Indian Bank reported FY ’25 net profit of Rs. 1,303 Cr, up 22% YoY, with deposits at Rs. 1.08 lakh Cr (+6%) and gross advances of Rs. 87,579 Cr (+9%, adjusted 10%). NIM stood at 3.24%, ROA 1.05%, and ROE 12.9%. Q4 profit grew 19% YoY to Rs. 342 Cr. Gold loans rose 9% to Rs. 16,982 Cr; home and auto loans grew 55% and 24% YoY. MSME advances are stabilizing with growth expected next year. Management targets 12%+ loan and 10%+ deposit growth in FY ’26, focusing on retail/MSME and building wealth products. NIM guidance is cautious amid rate volatility; ROA around 1%. Emphasis on automation and branch incentives aims to boost growth and profitability.