SOUTHBANKNSE16 October 2025

The South Indian Bank Limited has informed the Exchange about Investor Presentation

The South Indian Bank Limited

DEPT: SECRETARIAL REF. No.: SEC/ST.EX.STT/123/2025-26 DATE : October 16, 2025

National Stock Exchange of India Ltd., Exchange Plaza, 5th Floor, Plot No.C/1, G Block, Bandra-Kurla Complex, Bandra (E), Mumbai – 400 051. SCRIP CODE: SOUTHBANK

BSE Ltd. Department of Corporate Services (Listing), First Floor, New Trading Wing, Rotunda Building, P J Towers, Dalal Street, Fort, Mumbai – 400 001. SCRIP CODE: 532218

Dear Madam/Sir,

Sub: Presentation to Investors and Analysts

Pursuant to Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015, please find enclosed the Investor Presentation to Investors and Analysts with respect to financial results of The South Indian Bank Limited for the quarter/half year ended 30th September, 2025.

The aforesaid www.southindianbank.com.

information

is also being hosted on

the website of

the Bank

Kindly take the same in your records.

Yours faithfully,

(JIMMY MATHEW) COMPANY SECRETARY

Encl.: a/a

The South Indian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.I.B. House, T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala (Tel) 0487-2420 020, (Fax) 91 487-244 2021, e-mail: sibcorporate@sib.co.in CIN: L65191KL 1929PLC001017, Toll Free (India) 1800-102-9408, 1800-425-1809 (BSNL)

www.southindianbank.com

Disclaimer

This presentation (the "Presentation") has been prepared by The South Indian Bank Ltd., (the "Company") for informational purposes only. No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certain statements made in this presentation may not be based on historical information or facts and may be “forward looking statements”, including those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person.

No part of this Presentation should be construed as investment advice or a recommendation to buy or sell any securities or to engage in any investment strategy. The information provided does not constitute legal, tax, or financial advice and should not be relied upon as such. Investors should conduct their own due diligence and consult with qualified financial and legal advisors before making any investment decisions. The Company makes no representations or warranties regarding the completeness or accuracy of the information contained in this Presentation, and to the fullest extent permitted by law, the Company shall not be liable for any loss, damage, or expense of any kind arising from reliance on this information. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. This presentation cannot be copied and/or disseminated in any manner.

Brief Snapshot

About South Indian Bank – Key Highlights

Transformation Journey of the Bank

Annexure

Key Highlights

Portfolio quality continues to hold

Shift from Corporate to MSME and Retail, gathers momentum

Material increase in branch productivity

Significant improvement in processes and systems

Focus on digital channel to drive operating efficiency

BRIEF SNAPSHOT

Performance Highlights (1/2)

Q2FY26 Rs. 92,286 Cr

Rs. 105,025 Cr

Rs. 115,635 Cr

Rs. 112,625 Cr

31.86%

Gross Advances

Disbursements

Deposits

Retail Deposits

CASA %

Large Scale of Operations

Q2FY25 Rs. 84,714 Cr

Rs. 76,872 Cr

Rs. 105,451 Cr

Rs. 101,651 Cr

31.80%

Q2FY26 Rs. 351 Cr

Profit After Tax

Rs. 325Cr Q2FY25

2.80%

Net Interest Margin

3.24%

1.02%

13.11%

Return on Assets

Return on Equity

1.07%

13.71%

Consistently Delivered Robust Shareholder Returns

Performance Highlights (2/2)

Healthy Asset Quality

Q2FY26 948

Branches

Q2FY25 955

Q2FY26 2.93%

GNPA

Q2FY25 4.40%

0.56%

NNPA

1.31%

90.25%

PCR (incl. w/off)

81.29%

PCR (excl. w/off)

80.72%

71.24%

17.70%

CRAR

18.04%

9,242

26 / 4

Employees

States / UTs

9,667

26 / 4

98.44%

Digital Transactions

97.96%

Multi-pronged distribution

ABOUT SOUTH INDIAN BANK – KEY HIGHLIGHTS

SIB’s Strengths

Diversified loan book – focused on retail, MSME and high quality corporate

Pan India presence

Strong focus on Asset Quality and Collection Efficiency

Well distributed Deposit base with stable cost of funds

Focus on Digital channel to drive operating efficiency

Strong Management Team and Robust Financial Performance

Diversified loan book with granularity and strong growth in disbursements

Consistently growing loan book….

…and Disbursements

Rs. Cr

84,714

86,966

87,579

89,198

92,286

Rs. Cr

1,63,270

1,22,572

76,872

Cumulative for the quarter

1,05,025

52,305

Q2'FY25

Q3'FY25

Q4'FY25

Q1'FY26

Q2'FY26

Q2'FY25

Q3'FY25

Q4'FY25

Q1'FY26

Q2'FY26

With a diversified portfolio…

Disbursements Vertical wise

Well diversified loan book with ~60% other than corporates

Rs. Cr

Business Loans 14%

Business Loans 15%

Corporate 42%

Agriculture 17%

Personal Segment 27%

Q1’FY26 Rs 89,198 Cr

Corporate 40%

Agriculture 17%

Personal Segment 28%

Q2’FY26 Rs 92,286 Cr

Business Segment

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

45,383 Corporate 1,136 B Segment (MSME) 290 Agriculture (Excl. Gold) 5,496 Retail Loans (Incl. Gold) 52,305 Grand Total On a Y-o-Y basis B Segment (MSME) disbursement has grown by 127% & Retail Loans(Incl. gold) disbursement has grown by 51%

39,406 1,155 216 4,922 45,700

33,575 1,540 290 5,293 40,698

37,995 855 218 4,322 43,390

43,922 1,945 340 6,513 52,720

Consistent growth momentum in retail advances continues

Personal Segment

Rs. Cr

22%

21,353

22,143

22,405

24,222

26,155

Mortgage Loan*

Home Loans*

Rs. Cr

3,929

Rs. Cr

25%

8,849

3,591

7,072

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Sep'24

Sep'25

Sep'24

Sep'25

Mix of Personal Segment

Auto Loans

Gold (Incl Agri)

Housing* 34%

Mortgage* 15%

Retail Gold* 22%

Others, 2%

Loan against Deposit, 5%

Credit Card, 5%

Vehicle, 9%

Personal Loan, 8%

* Includes IBPC and Portfolio Buyout

Rs. Cr

25%

2,288

Rs. Cr

13%

18,845

1,828

16,609

Sep'24

Sep'25

Sep'24

Sep'25

Consistent growth momentum in advances continues

Healthy growth in Avg. Advances

Rs. Cr

39%

67,353 69,235 71,016 72,379

74,693

62,625 63,877

78,449 80,387 82,197 83,495 86,061 84,945 86,876

Growth of 6%

Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26

Rs. Cr

....increased loan disbursals

43,390 45,700

40,698

52,305 52,720

33,482

29,233

12,535 13,534

10,863

22,106 21,349 22,342

17,835

Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26

Branch Value Added – Same Store Sales

Branch Value Added

Branch Value Added – Region wise

Branch Sales Value Added (Indexed)

219%

159%

169%

119%

109%

100%

99%

134%

130%

113%

131% 130%

121%

276%

219%

202%

166%

158%

153%

202%

173%

144%

131%

129%

100%

108%

Q4 FY2024 Q1 FY2025 Q2 FY2025 Q3 FY2025 Q4 FY2025 Q1 FY2026 Q2 FY2026

Same Store Sales are compared by computing the NPV of new product sales / incremental balances in existing accounts basis historical trends. These are compared over time. It may be noted that the value addition imputed in this process assumes the behaviour of new accounts would mimic historical trends. Therefore, this process is inherently inexact and comparison over time may not be entirely appropriate. This inherent limitation must be kept in mind while analyzing the data contained above. The above figures are rebased to 100 as on Q4 FY24.

Q4 FY2024 Q1 FY2025 Q2 FY2025 Q3 FY2025 Q4 FY2025 Q1 FY2026 Q2 FY2026

Kerala

South - Ex Kerala

Rest of India

Branch Value Added – Geography wise

100%

125%

114%

106%

101%

143% 129%

135%

128%

157%

127%

119%

122%

113%

175%

155%

146%

253%

224% 216%

196%

237%

192%

166%

147%

Q4 FY2024

Q1 FY2025

Q2 FY2025

Q3 FY2025

Q4 FY2025

Q1 FY2026

Q2 FY2026

Metro

Urban

Semi Urban

Rural

Dominant share of A & above rated corporate loans

Corporate Loan Book

Standard Large Corporate Advances (Rs. 100 Cr & Above)

Rs. Cr

37,110

37,008

Rs. Cr

36,198

34,956

33,961

Standard Large Corporate Advances, 27%

Others, 73%

21,163

25,341

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Sep'24

Sep'25

Rs. Cr

Standard Advance above Rs. 100 Cr (External Rating)

< BBB & Unrated

BBB

AAA

High share of A & Above rated Large Corporate Loans**

Sep’25

98.4 %

65.6%

65.8%

0.4%

28.8%

5.2%

0.0%

0.4%

29.3%

4.2%

0.3%

Sep'24

Dec'24

**Does not include exposure to unrated state government owned entity

64.3%

31.5%

Mar'25

66.9%

67.4%

3.7%

0.2%

0.3%

26.6%

5.6%

0.6%

0.4%

27.1%

Jun'25

Sep'25

4.0%

1.1%

A & Above rated Large Corporate Loans

MSME Loans comprise mainly of High-Yield Portfolio

Focus on MSME loans…

MSME Strategic Initiatives

Rs. in crore

MSME/SME

Sep-24 Dec-24 Mar-25# 9,698 9,317

9,443

Jun-25 Sep-25 9,923

9,700

Dedicated Vertical

MSME customers relationship managed by dedicated team with Relationship Managers and Sales Managers.

Others

Total

3,471

3,725

2,988

2,960

3,501

12,914

13,042

12,686

12,660

13,424

Sales Incentives

Introduced performance-driven reward system to incentivize ECG front end sales team by focusing on disbursement.

# includes write off of 546 crore, excluding this growth will be 8% Y-o-Y

….while creating a granular and diversified book

Rs. Lakhs

Average MSME Loan/Account

52.6

52.5

51.8

51.4

50.7

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Geographical Split

South (ex-Kerala), 39%

Sep’25 – Rs. 13,424 Cr

Kerala, 38%

Focus on Sector- Based Lending

Skill Building Program

Tech-enabled Renewals

Revamped ML Product

Branch Empowerment

To drive targeted growth and manage risk effectively, we are strategically focusing on sector-based lending.

A structured skill-building initiative for MSME teams has been implemented, focusing on portfolio quality and superior customer experiences.

Transaction-based renewals were enabled through technology for hassle-free renewal of borrower accounts

New ML product and system launched to improve market position

Bank branches are empowered to handle small-value MSME loans with the support of on-the-ground technology for faster sanctioning.

GST Power product has been modified, increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

15 15

GST Power Product Revamped

Rest of India, 23%

Pan India presence with focus on diversification

Q2’FY26

Has a network of 948 Branches across India

Diversifying Loan Book Outside Kerala

Q2’FY25

Loan Book Rs. 84,714 Cr

Kerala, 33%

Rest of India, 34%

South (Ex- Kerala), 33%

Q2’FY26 Branch Split*

Q2’FY26

Loan Book Rs. 92,286 Cr

Expanding book outside Kerala

No. Of Branches

100+ 50-100 20-50 10-20

*Map for illustration purpose only

11%

21%

49%

Metropolitan

Semi-Urban

19%

Urban

Rural

Kerala, 31%

Rest of India, 37%

South (Ex- Kerala), 32%

1. Excludes 5 USBs & Satellite branches

Branch Network

Branches1

955

948

Q2FY25

Q2FY26

ATM / CRM

1,285

1,269

Q2FY25

Q2FY26

Customers

8.1

7.8

Q2FY25

Q2FY26

Strong focus on improving asset quality and collection efficiency

Net NPA below pre- covid level

…with focus on Recoveries and Upgrades

6.97%

4.71%

5.90%

2.97%

GNPA

NNPA

5.14%

1.86%

4.50%

1.46%

3.20%

0.92%

2.93%

0.56%

Rs. Cr

690

1,814

1,464

1,642

1,534

606

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Sep-25

FY21

FY22

FY23

FY24

FY25

HY1 FY26

Significant improvement in PCR….

PCR Incl W/off

PCR excl W/off

76.8%

79.1%

85.0%

65.1%

68.7%

71.8%

90.2%

81.3%

69.6%

51.3%

58.7%

34.1%

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Sep-25

Rs. Cr

490

504

…and reduced SMA 2*

SMA 2

as % of advances

0.6%

Sep-24

0.6%

Dec-24

* Includes SMA2 from portfolio buyout

288

0.3%

415

0.5%

Mar-25

Jun-25

306

0.3%

Sep-25

Well Distributed Deposit Base with focus on low cost deposits

Breakup of Deposits

CASA Ratio continues to hold…

Rs. Cr

% Deposits

105,451

105,387

107,526

112,922

115,635

31.80%

33,530

31.15% 32,830

31.37% 33,730

Rs. Cr

31.86% 36,841

32.06%

36,204

68,120

69,590

71,021

73,164

75,784

Q2'FY25

Q3'FY25

Q4'FY25

Q1'FY26

Q2'FY26

CASA AQB continues to grow consistently….

27,158

6,373 3,800

26,903

27,699

29,027

29,797

100

5,927 2,966

6,030 2,776

7,177 3,554

7,044 3,010

Rebased to 100

108

102

Q2'FY25

Q3'FY25

Q4'FY25

Q1'FY26

Q2'FY26

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Bulk

Current

Savings

Retail Term

NRI Deposit continues to be a focus with stable Cost of Funds

Breakup of Non Resident Deposits

Rs. Cr

Deposit Type

Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26

NR SB

NR CD

7,178

7,424

7,480

7,728

8,143

Cost of Funds / Yield on Funds

Cost Of Funds

Yield on Funds

7.68

4.80

7.64

4.84

7.83

4.96

7.44

4.82

7.13

4.74

Q2'FY25

Q3'FY25

Q4'FY25

Q1'FY26

Q2'FY26

FCNR (B), RFC & Others

2,387

2,517

2,787

2,874

2,876

Yield on advances/ Yield on Investments / Cost of Deposits

Low-Cost NRI Deposit

9,623

10,000

10,322

10,661

11,081

Yield on Advances

Yield on Investments

Cost of Deposits

NRE Term Deposit

19,624

19,859

19,946

20,264

20,667

NRO Term Deposit

1,241

1,273

1,334

1,367

1,447

9.06%

6.42%

9.01%

6.48%

9.02%

6.88%

8.89%

6.68%

8.56%

6.50%

Total

30,488

31,132

31,602

32,293

33,195

5.35%

5.42%

5.58%

5.49%

5.41%

Q2'FY25

Q3'FY25

Q4'FY25

Q1'FY26

Q2'FY26

Multitude of Digital Initiatives…

Driving customer empowerment through continuous digital transformation

REGISTRATIONS

ACTIVE USERS

3.4 Million+

1.2 Million+

Customer Satisfaction Survey– platform to create, distribute & analyze online customer feedback for delivering hyper-personalized services

Enhancing Trade Finance Portal with introduction of new module for efficient inward remittance (IR) processing

Collaborated with M/s Godrej Housing Finance Limited through co-lending to accelerate growth in Housing Loan

New Website with revamped look & feel to give customers a top notch experience

Gold Xpress – new gold loan product with a comprehensive credit assessment model primarily aimed at financing income generating activities

UPI integration with GST portal– an additional payment mode for faster, more convenient GST payments

Empowering Loan Origination System to extend SIB Ashirvad Housing Loan to NRI customers

Quick NRE/NRO account opening in a simplified onboarding journey through our mobile-based customer onboarding app SWIFTe to enhance NRI customer base

Partnered with M/s Muthoot Fincorp- One through co-lending to drive growth in the Business Loan segment with Equated Daily Instalment (EDI )

Joined hands with M/s Whizdm Finance Pvt Ltd (Money View) via co-lending to scale the Personal Loan portfolio

Enterprise document management system– enabling instant KYC reuse, cutting customer on-boarding time & cost

….leading to rising digital banking…..

(000)’s

Daily average Transactions through digital channel

% total transactions

..leading to a rise in transactions with high digital share

3,728

98.2%

3,873

98.2%

3,835

98.3%

4,121

98.4%

3,431

98.0%

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Internet Transaction Volume

Mobile Transaction Volume

(000)’s

1,935

1,806

1,749

1,709

1,744

178

192

197

201

215

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

….creating operational efficiency

Employee Additions

Cost-to-Income Ratio (Quarterly)

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26 -7

58.7%

59.8%

52.6%

-55

19.4

Rs. Cr

-66

-101

59.6%

53.8%

-214

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Improving productivity metrics

Business per Employee

21.3

21.6

Rs. Cr

Business per Branch

208

204

20.0

20.4

196

198

193

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Robust Track Record of Financial Performance

Total Business

Gross Advances

Disbursements

Rs. Cr

2,07,921

1,95,104

1,82,346

1,42,128

1,50,957

1,63,743

92,286

87,579

80,426

72,092

59,418

61,816

1,63,270

95,040

1,05,025

54,800

24,533

FY21

FY22

FY23

FY24

FY25

Sep-25

FY21

FY22

FY23

FY24

FY25

Sep-25

FY22

FY23

FY24

FY25

Sep-25

Net Interest Income

Profit after Tax

Return Metrics

Rs. Cr

3,332

3,486

3,012

2,407

2,240

1,641

1,303

1,070

775

673

11.61% 12.13% 12.90% 12.41% 13.11%

ROE

1.07% 0.77%

0.07% 0.04%

0.72%

0.91% 1.05% 1.01% 1.02%

ROA

FY21

FY22

FY23

FY24

FY25

Jun-25 Sep-25

FY21

FY22

FY23

FY24

FY25

Sep-25

FY21

FY22

FY23

FY24

FY25

Sep-25

Key Areas of Focus

Enhancing Portfolio Resilience

Improving Branch Productivity

Cost Optimization

Growing non- branch Distribution & Leveraging Partnerships

Enhancing Control / Compliance Architecture

The Way Forward – Building ‘Frictionless Processes’

Build out of new automated digital channels continue – Implemented Digital Initiatives

GST Power (Live from Apr 2024)

STP Model to manage the entire process for MSME OD from ₹10 lakh to ₹200 lakhs

LAP Power (Live from Sep 2024)

Automated STP platform for Loan Against Property (LAP) proposals

Power Drive (Live from Sep 2024) In-house developed STP process flow for Vehicle Loan proposals

Composite Power (Live from Apr 2025)

STP enabled process flow for retail MSME credit proposals with multiple facilities (incl. non funded)

Gold Loan Digitalization Process (Live from Mar 2025) Digitalization of Gold loan on- boarding process and documentation with e-sign feature

Aawas power

(Live from May 2025)

STP-based LOS for Affordable housing loan proposals

Power CONSOL (Live from May 2025)

STP to handle proposals intended to consolidate and realign credit exposure of approaching customers

Edu Power (Live from May 2025)

Revamped with attractive features and streamlined process, for overseas education finance

Micro Power (Live from Mar 2025)

Unified STP flow, for handling MUDRA & SIB UDAY proposals up to 10 lakhs

Simplified Renewal process for WC Limits (Live from Jan 2025) Simplified Loan process flow to handle MSME renewals for limits between 2-5 Crores

SIB Gold Xpress (Live from Aug 2025) SIB Gold Xpress, a product introduced in alignment with revised RBI guidelines. The product offers streamlined income assessment models

Auto Renewal of AGRI KCC (Live from Nov 2024)

Application module for renewal of AGRI KCC proposals upto 50 lakhs

The Way Forward – Building ‘Frictionless Processes’

Build out of new automated digital channels continue – Ongoing Initiatives



aims

Gold Xpress – GST, ITR, BSA Simplified  Project for

of income assessment methods like GST, ITR, BSA in addition to the existing assessment methods based on imputed income and Personal Discussion in Gold Xpress

addition

SME Power (Simplified workflow for MSME) 

The project aims to refine and simplify the new CLOS platform for handling Business Loan proposals. The process involves minimizing the data entry points & work stages, Simplification of documents, automation of activities and integration of financial statement analysis.

Captive Power (CE/CV) 

The project aims to amplify the CE/CV Retail loan book by refining the existing process flow and revamping the product. The LOS platform will be a semi STP model with integration of Score card and is aimed to ease the activities involved in login to disbursement.



Composite Power Phase II 

The Phase II of the project will automate the Post Sanction process flow till disbursement assisting faster disposal

Pre Approved Housing loan Top up  This project aims for Pre – approved Housing loan top

up through webpage (FACE)

Way Forward – Growing Non- branch Distribution & Leveraging Partnerships

Growing Non – Branch Distribution and Leveraging Partnerships

Co-lending partnerships

Liability Partnerships

Fintech Partnership- allowing NTB customers to open deposit accounts

Strategic Tie-Ups (Live)

SIB partners with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance for Amazon customers, aiming to enhance its retail portfolio quality and expand its customer base.

www

Co-lending / DA platform

Digital sourcing of current accounts through referral programs

Pure play –Inhouse products

Strategic Tie-Ups (Live)

Debit Card EMI Program

Loan against Mutual fund

In-house solutions for Digital deposits / Digital Personal loans/ Secured credit line on UPI

The Way Forward – Building ‘Frictionless Processes’

Improving Operating efficiency

Significant momentum in Retail and MSME Segment Home, Auto, Gold, MSME, CV/CE showing good traction

79:21 – Tooth to Tail Ratio Further progress expected during the financial year

Training/ Re-skilling of staff gathering pace 2,777 Staff trained in various programs against 1,737 in Q2’FY25

Expenses being tracked closely Expenses growth sequentially muted Overall headcount continues to shrink

TRANSFORMATION JOURNEY OF THE BANK

Significant transformation of business since Sep’2020

(INR Cr) Sep’20

65,349

(INR Cr) Sep’25

15,675

Churned around 83% of overall loan book since Oct’ 2020

Old Book

Old Loan Book

76,611

New Book

Old Book

86% of Current GNPA is from Old book

Current Book

Current Loan Book

New Book 14%

Old Book 86%

Current GNPA Split

66%

4.87%

2.53%

97%

Share of A+ rated Large Corporate Loans

GNPA

NNPA

Share of A+ rated Large Corporate Loans

2.93%

GNPA

0.56%

NNPA

14.90%

0.48%

GNPA Old book

GNPA New book

ANNEXURE

Profit & Loss Overview (Standalone)

Particulars (Rs. In Cr)

Net Interest Income

Non-Interest Income

Core Fee Income

Treasury & Forex

Other

Total Income

Operating Expenses

Operating Profit

Provisions & Contingencies

Profit Before Tax

Provision for Tax

Profit After Tax

Q2-FY26

Q2-FY25

Y-o-Y (%) Q1-FY26 Q-o-Q (%) HY1 FY26 HY1 FY25

Y-o-Y (%)

808

516

206

129

181

882

410

189

107

114

1,324

1,292

789

535

472

121

351

742

550

110

440

115

325

-8%

26%

21%

59%

-3%

-43%

832

622

188

256

178

1,454

782

672

239

433

111

322

-3%

-17%

10%

-50%

-9%

-20%

-74%

1,641

1,138

393

386

359

2,779

1,571

1,208

303

905

232

673

1,748

832

376

134

322

2,580

1,522

1,058

223

835

216

619

-6%

37%

188%

11%

14%

36%

Balance Sheet Overview (Standalone)

Particulars (Rs. In Cr)

Q2 FY26

Q2 FY25

Y-o-Y (%)

Q1 FY26

Q-o-Q (%)

Capital & Liabilities Capital Reserves and Surplus Deposits Borrowings Other Liabilities & Provisions Assets Cash & Balances with RBI Balances with Banks Investments Advances Fixed Assets Other Assets Business (Net Advances + Deposits) Current Accounts Savings Accounts CASA Ratio

1,36,039 262 10,374 1,15,635 6,647 3,121 1,36,039 4,965 5,120 30,706 90,196 1,023 4,029 2,05,831 7,044 29,797 31.86%

1,20,364 262 9,133 1,05,451 2,609 2,909 1,20,364 5,785 5,160 21,789 82,174 989 4,467 1,87,625 6,373 27,158 31.80%

13% 0% 14% 10% 155% 7% 13% -14% -1% 41% 10% 3% -10% 10% 11% 10% 6 bps

1,27,770 262 10,142 1,12,922 1,728 2,716 1,27,770 5,823 6,063 23,809 87,095 1,025 3,955 2,00,017 7,177 29,027 32.06%

6% 0% 2% 2% 285% 15% 6% -15% -16% 29% 4% 0% 2% 3% -2% 3% - 20 bps

Key Metrics

Particulars

Q2FY26

Q1FY26

Q4FY25

Q3FY25

Q2FY25

Q1FY25

Net Interest Margin (NIM)

CRAR Basel III

RoA*

RoE*

Provision Coverage

CASA

Gross NPA

Net NPA

Book Value per Share (Rs.)

Earnings per Share (Rs.) *

Customer Touch Points

Kerala

South Ex Kerala

Rest of India

Total

*Annualized

2.80%

17.70%

1.02%

13.11%

90.25%

31.86%

2.93%

0.56%

40.6

5.1

498

282

168

948

3.03%

19.48%

1.01%

12.41%

88.82%

32.06%

3.15%

0.68%

39.8

4.9

498

282

168

948

3.21%

19.31%

1.11%

13.74%

85.03%

31.37%

3.20%

0.92%

38.6

5.0

498

282

168

948

3.19%

18.00%

1.12%

13.93%

81.07%

31.15%

4.30%

1.25%

37.2

4.9

499

283

168

950

3.24%

18.04%

1.07%

13.71%

80.72%

31.80%

4.40%

1.31%

35.9

4.7

501

284

170

955

3.26%

18.11%

1.00%

12.90%

79.22%

32.06%

4.50%

1.44%

35.0

4.5

501

284

170

955

Non-Performing Assets

GNPA & NNPA

GNPA

NNPA

4.40%

4.30%

3.20%

3.15%

2.93%

1.31%

1.25%

0.92%

0.68%

0.56%

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Improving Credit Quality

Ever 30+ at 6 MOB* (Excl. corporate)

1.50%

1.20%

0.90% 0.80%

0.70% 0.80%

0.43% 0.54% 0.54% 0.54%

0.90% 0.90%

* Ever 30 at 6 MOB is defined as the sum of the original principal of loans that are ever 30+ within 6 months on book in that cohort, divided by the sum of the original principal of all loans in that cohort. The reported numbers have changed due to exclusion of certain assets which were rebooked and reclassified as New Book for operational convenience.

Rs. Cr

Opening

Additions

Deductions

Closing

GNPA Movement

NNPA Movement

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

3,720

3,731

3,736

2,800

2,807

1,152

1,073

1,056

321

309

297

293

3,731

3,736

213

1,148

2,800

192

185

202

305

195

274

195

212

2,807

2,703

1,073

1,056

155

421

791

119

319

591

108

193

506

Provisions

Rs. Cr

For NPA & NPI

For Standard Assets

For Restructured Advances/Sacrifices & FITL

For Unhedged Forex Exposure

Others

Taxes

Total Provisions

Q2FY26

Q1FY26

Q4FY25

Q3FY25

Q2FY25

Q1FY25

(3)

121

184

249

234

(5)

(6)

111

350

(1)

(9)

117

341

(6)

(2)

121

187

148

(7)

(30)

(1)

116

226

120

(2)

(11)

101

214

Slippages & Collection Efficiency

Slippage Ratio

Collection Efficiency

0.36

0.33

0.24

0.20

0.21

100.2%

100.8%

99.9%

100.4%

101.3%

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Rs. Cr

Agriculture

Business Loans

Personal Segment

Corporate

Total

Segment wise GNPA

Segment wise Slippages

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Rs. Cr

New Book

Old Book

Q2FY26

562

2,113

617

439

543

2,070

628

494

455

1,449

577

319

449

1,425

595

338

435

Agriculture

1,352

Business Loans

550

366

Personal Segment

Corporate

3,731

3,736

2,800

2,807

2,703

Total

109

198

Stressed Assets

Rs. Cr

476

404

Restructured Standard Assets

Sectoral Break-up

317

277

241

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

23%

25%

11%

On account of MSME restructuring

General - DCCO Extension

OTR COVID Personal Segment

41%

OTR COVID MSME

OTR COVID Others

COVID One Time Restructuring

Security Receipts

Rs. Cr.

MSME

Personal loans

Other exposures

Total

Covid 1.0

Covid 2.0

Total

157

100

214

Security Receipts Outstanding as on Sep 30, 2025 (Rs. Cr)

Book Value

Provision

119.27*

NAV

119.27

* SRs issued by NARCL

Investment Book

SLR & NON-SLR

Treasury & Forex Income *

Rs. in Cr

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

SLR

NON-SLR

Total

20,379

1,483

21,737

20,049

22,181

28,620

1,785

1,808

1,731

2,153

21,862

23,522

21,857

23,912

30,773

M Duration

5.18

5.37

5.53

4.69

4.81

256

241

102

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Forex

Profit from sale of Investment

* Excludes depreciation on Investments

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Capital Composition

Risk Weighted Assets

Total Capital Adequacy Ratio is well above minimum regulatory requirement of 11.50%

CET 1

18.25%

19.48% 1.23%

18.25%

Jun'25

Tier 1

Tier 2

16.79%

17.70%

0.91%

16.79%

Sep'25

Total Risk weighted assets to Total assets stands at 40.49% as on Sep 30, 2025

Rs. Cr

Total Capital

Tier I

Of which CET 1

Tier II

Risk Weighted Assets

Jun’25

10,111

9,474

637

51,890

Sep’25

9,753

9,250

503

55,082

CRAR

Tier 1

Tier 2

19.31%

1.33%

19.48%

1.23%

17.98%

18.25%

17.70%

0.91%

16.79%

18.04%

18.00%

1.41%

1.32%

16.63%

16.68%

Sep'24

Dec'24

Mar'25

Jun'25

Sep'25

Strong Management Team

Mr. P R Seshadri MD & CEO, 32 years ● Bachelor’s degree in Engineering from the Delhi College of Engineering and

a Post Graduate Diploma in Management from IIM Bangalore.

● An accomplished banker with more than 32 years of experience in Retail sales, distribution and lending business. Previously MD&CEO of Karur Vysya Bank, MD and Regional Sales and Distribution head Citibank N.A, Asia pacific, Singapore. MD and Regional head of lending businesses, Citibank N.A, Asia Pacific, Singapore.

Mr. Dolphy Jose Executive Director, 31 years ● More than 31 years of experience , MBA in General Management ● Two decades of association with Kotak Mahindra Bank, with expertise in both Retail assets and liabilities, branch banking, P&L management, building distribution, establishing strategic partnerships including Co-Lending and focusing on non branch business.

Mr. Anto George T Chief Operating Officer, 35 years ● MBA in Human Resource management, Associated with SIB for more than

29 years.

● Head of HR, Handled Branch banking, Internal Audit & Vigilance, Fraud

Management, Regional Head and Retail Banking.

Mr. Sanchay Kumar Sinha CGM & Head Retail Assets, 32 years ● More than 32 years of extensive experience in retail distribution and institutional sales in industries like financial services, logistics and office automation.

● Associated with HDFC Bank, IndusInd Bank & Mahindra & Mahindra Ltd; through

Prolific experience in distribution and product management branches, direct sales, telesales and partners

Strong Management Team

Mr. Sony A SGM & CIO, 33 years ● Certified Information Systems Auditor from ISACA, USA and MBA. Over 29 years of experience in banking technology. Instrumental in setting up key systems like Business Process.

● Management tools, CRM systems, Treasury & Risk Management. Leads the payment channels such as UPI, IMPS, Bharat QR, Bhim Aadhaar etc. in the Bank.

Mr. Senthil Kumar SGM & Head Credit, 30 years ● Management graduate with 29 years of experience in banking and finance ● 21 years of experience with ICICI Bank across Sales, Credit, Product,

Recovery and Collection functions

Ms. Minu Moonjely SGM & Head Corporate Business Group, 29 years ● Post Graduate in Commerce, CAIIB and Advanced Management in Banking

and Finance by IIBF. Associated with SIB for more than 29 years.

● Previously headed Credit Underwriting. Experienced banking professional with extensive expertise in Credit analysis, Risk management, Foreign exchange and Branch banking. Also headed the largest MSME region of the Bank.

Ms. Biji S S SGM & Head Branch Banking, 31 years ● MBA in HRM; Associated with SIB for more than 29 years ● Previously headed CBG, Secured Retail, Co-lending and SCF. Managed relationship with mid and large corporate clients in various regions of the Bank and vast experience in Branch banking. Successfully led the largest region of the Bank.

Ms. Chithra H SGM & Chief Compliance Officer, 33 years ● Fellow member of the Institute of Chartered Accountants of India &

Certified Associate of the Indian Institute of Banking & Finance

● Associated with SIB for over 30 years. Rich experience in the field of Finance, Compliance, Risk, Treasury Back office, Branch operations and Regional Head.

Strong Management Team

Mr. Nandakumar G SGM & Chief of Internal Vigilance, 33 years ● Associated with SIB for more than 29 years. Head of Inspection and

Vigilance

● Vast experience across business functions like Branch/RO management, Retail Banking including Bancassurance and Marketing. Headed three large metro regions of the Bank.

Mr. Vinod A N SGM & Head of Treasury, 31 years ● Associated with Kotak Group & SBI during last 28 years. Masters in Financial Management (MFM) from JBIMS, Mumbai with more than 30 years of experience In Banking & Financial Markets.

● Has Treasury & Fund Management experience of 20 years in Money markets, Forex & Derivatives, Fixed Income & Equity Markets in the Front Office Dealing Room at SBI & Kotak Mahindra Bank.

Mr. Shibu K Thomas GM - IT, 25 years ● Bachelors Degree in Engineering with certification in cyber security ● Experienced IT and cyber security professional with more than 25 years of

combined IT/cyber security experience.

Mr. Sivaraman K SGM & Head Business Operations Group, 32 years ● Associated with SIB for more than 29 years ● Rich experience in Branch Banking, Headed major regions of the bank,

Credit Policy, Mid / Large Corporate CPC’s.

Mr. Nehru Singh B SGM & Chief Risk Officer & Head – Credit Quality Assurance, 29 years ● MBA &CAIIB qualified, Has 29+ years of experience in the Banking Industry, extensively in non-retail credit. Previously worked in Axis Bank and was steering the complete life cycle of non-retail credit relationship after sanction of facilities. Provided first line of control to the Bank in overseeing effective management of various processes, including credit operations and monitoring.

Strong Management Team

Mr. Jimmy Mathew GM & Company Secretary, 19 years ● B. Com,

FCS, ACMA, Certified CSR Professional, Certified course in HR Management, ICSI Post Membership Qualification in Corporate Governance and Certified Associate of the Indian Institute of Banking & Finance.

● Associated with SIB for more than 15 years. Proficient in handling various corporate law and Secretarial matters. Before joining the Bank has 4 years’ experience as Company Secretary in other organisations and currently serves as Company Secretary of the Bank with additional charge of heading the HR Department.

Mr. Sreekumar Chengath GM & Head – Business Process Group, 30 years • B. Tech in Computer Engineering, MBA in Banking and Finance, Certified

Associate of Indian Institute of Banking and Finance

• Over 30 years of banking experience, Associated with SIB for over 24 years.

Rich experience in IT, IT Security and Centralized Banking Operations

Mr. Vinod Francis GM & Chief Financial Officer, 19 years ● Associate member of the ICAI and Certified Associate of the Institute of

Banking & Finance

● Associated with SIB for over 19 years. Rich experience in the field of

Finance, Credit, Branch Operations

Mr. Vinod G GM & Head - Data Science, 30 years • Masters in Business Administration, Masters in Commerce, Certified Associate of the Indian Institute of Banking & Finance, Fellow of the Insurance Institute of India • Rich experience in general

risk management, business intelligence, data analytics, predictive modelling, data science, etc.

insurance, development banking,

• Associated with SIB for over 4 years

THANK YOU

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