The South Indian Bank Limited — PPTs, 06-05-2026: Investor Presentation

South Indian Bank saw a solid FY26, with Net Profit up 12% to ₹1,455 Cr and Q4 profit jumping 19% YoY to ₹408 Cr. Gross Advances grew 14.5% to ₹100,274 Cr, and Deposits rose 15% to ₹123,346 Cr, supported by a healthy 32.12% CASA ratio. Asset quality significantly improved, with GNPA falling to 1.43% and NNPA to 0.29%. PCR stands strong at 94.10%.

The bank is strategically shifting its loan book, boosting MSME disbursements by 24% and Retail loans by 70% YoY, especially in Gold and Mortgage segments. Digital transformation is key, with re-engineered apps, new digital products, and AI integration for efficiency and customer experience. Efforts to build 'frictionless processes' via Straight Through Processing (STP) for various loans are underway. Operational efficiency is rising, with 98.5% digital transactions.

Critically, 88% of the loan book has been churned since Oct 2020, resulting in a new book with just 0.38% GNPA, highlighting successful portfolio resilience. RoA improved to 1.17% and RoE to 14.49%. Management's focus remains on productivity, cost optimization, and leveraging partnerships for future growth.