The South Indian Bank Limited — PPTs, 16-07-2026: Investor Presentation

South Indian Bank reported a solid Q1FY27. Profit After Tax jumped 17% YoY to Rs 378 Cr, fueled by a 23% rise in Net Interest Income to Rs 1,025 Cr. Gross Advances expanded 17% YoY to Rs 104,368 Cr, and Deposits grew 11% to Rs 125,817 Cr, with retail deposits leading the charge.

Despite a 12% dip in operating profit due to lower non-interest income (especially from treasury), asset quality dramatically improved. Gross NPA fell sharply to 1.38% and Net NPA to 0.26%, with Provision Coverage Ratio at 94.51%. The bank's strategy focuses on high-quality Retail, Agri, & MSME (RAM) loans (60% of book). Digital initiatives, including "Power" products for seamless loan processing and an in-house AI framework "Zeni," are driving efficiency. Management is committed to continued RAM growth, boosting branch productivity, and closely tracking expenses.

*Key Q1FY27 figures:*

* PAT: Rs 378 Cr (+17% YoY)

* Gross Advances: Rs 104,368 Cr (+17% YoY)

* GNPA: 1.38%, NNPA: 0.26%

* NIM: 3.23%