The South Indian Bank Limited — Investor Meet, 22-10-2025: Analysts/Institutional Investor Meet/Con. Call Updates

The South Indian Bank's Q2 FY'26 net profit grew 8% YoY to Rs. 351 Cr, with advances up 9% to Rs. 92,286 Cr (10% adjusted for write-offs). Deposits rose 10% to Rs. 115,635 Cr. NIM hit a trough at 2.8%, expected to recover barring further rate cuts. Asset quality improved significantly: Gross NPA fell to 2.93% (down 147 bps) and Net NPA to 0.56% (down 75 bps), supported by 90.25% PCR. Management targets 20%+ growth in high-yielding retail and MSME loans, aiming to reduce corporate book share and maintain positive operating leverage through calibrated hiring and digital initiatives.