The South Indian Bank Limited — Investor Meet, 23-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

South Indian Bank reported a strong Q1 FY26 with 10% net profit growth (INR 322 Cr) and 32% operating profit growth (INR 672 Cr). Deposits grew 9% to INR 112,922 Cr and advances by 8% to INR 89,198 Cr, with total business crossing INR 2 lakh Cr. Asset quality improved significantly, with Gross NPA at 3.15% and Net NPA at 0.68%. Management highlighted cost discipline, new digital systems boosting branch productivity by 60%, and a strategic shift towards higher-yielding MSME, Gold, and LAP loans, especially outside Kerala. The bank expects credit growth north of 12% and aims for RoA around 100-115 basis points in the coming year, expressing confidence in achieving these goals.