The South Indian Bank Limited — PPTs, 17-07-2025: Investor Presentation

**Financial Highlights:**

Q1FY26 Profit After Tax (PAT) rose 10% YoY to Rs 322 Cr. Advances hit Rs 89,198 Cr (+8% YoY), Deposits Rs 112,922 Cr (+9% YoY). Asset quality saw sharp improvement: Gross NPA (GNPA) at 3.15% (from 4.50%) and Net NPA (NNPA) at 0.68% (from 1.44%). Strong Provision Coverage Ratio (PCR) of 88.82% and Capital Adequacy Ratio (CRAR) of 19.48%.

**Strategic Initiatives & Growth Drivers:**

The bank drives strong disbursement growth (+56% YoY), focusing on retail and MSME segments with tech-enabled processes. Digital initiatives are building "frictionless processes," significantly boosting operational efficiency as reflected in an improved Cost-to-Income ratio.

**Business Developments:**

An impressive 81% of the loan book has churned since Oct’2020, with the new book showing minimal GNPA (0.48%). The bank continues expanding its loan book beyond Kerala and maintains a high share (67.3%) of A & above rated corporate loans.

**Market Position & Competitive Advantage:**

With a Pan-India presence, the bank's market position is bolstered by its dramatically improved asset quality, bringing Net NPA below pre-COVID levels. It also maintains a stable 32.06% CASA (Current Account Savings Account) ratio, adding a competitive edge.

**Investor Implications:**

The bank displays positive growth potential, underpinned by robust asset quality recovery, strategic loan diversification, and efficiency gains from digital transformation. This trajectory points to a resilient and improving business outlook.