The South Indian Bank Limited — PPTs, 16-10-2025: Investor Presentation

South Indian Bank delivered a strong performance for the quarter and half-year. Profit After Tax (PAT) climbed 8% year-on-year to Rs. 351 Cr for Q2FY26, with half-year PAT up 9% to Rs. 673 Cr. Gross Advances grew 9% to Rs. 92,286 Cr and Deposits rose 10% to Rs. 115,635 Cr, reflecting healthy business momentum. Critically, asset quality saw significant improvement as GNPA dropped to 2.93% (from 4.40%) and NNPA to 0.56% (from 1.31%).

The bank's strategy centers on a robust digital transformation, expanding non-branch distribution, and leveraging strategic partnerships. This includes a continued shift towards high-yield MSME and Retail segments, now forming ~60% of its loan book. Recent key developments include new digital offerings like 'SIB Gold Xpress', 'Power Drive' for vehicle loans, and 'Aawas Power' for housing loans. Partnerships for co-lending in housing, business, and personal loans are also accelerating growth and portfolio diversification.

Q2FY26 Earnings per Share (EPS) increased to Rs. 5.1 from Rs. 4.7. Management is focused on building 'Frictionless Processes' through ongoing digital automation, enhancing operating efficiency, and investing in staff skill development. This forward-looking approach aims for sustained progress and a stronger financial position.