SOUTHBANKNSEMay 06, 2026

The South Indian Bank Limited

6,469words
1turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
artment 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 In
Rs. 5,447 crore
A Year of Consolidation Best ever Major Highlights for the Financial Year 2025-26 Total Income Rs. 5,447 crore Other Income Rs. 2,010 crore PPOP Rs. 2,373 crore Net Profit Rs. 1,455 crore PCR (Incl. w/of
Rs. 2,010 crore
ever Major Highlights for the Financial Year 2025-26 Total Income Rs. 5,447 crore Other Income Rs. 2,010 crore PPOP Rs. 2,373 crore Net Profit Rs. 1,455 crore PCR (Incl. w/off) 94.10% Significant indicato
Rs. 2,373 crore
for the Financial Year 2025-26 Total Income Rs. 5,447 crore Other Income Rs. 2,010 crore PPOP Rs. 2,373 crore Net Profit Rs. 1,455 crore PCR (Incl. w/off) 94.10% Significant indicators of progress…. RoA 1.
Rs. 1,455 crore
26 Total Income Rs. 5,447 crore Other Income Rs. 2,010 crore PPOP Rs. 2,373 crore Net Profit Rs. 1,455 crore PCR (Incl. w/off) 94.10% Significant indicators of progress…. RoA 1.03% RoE 12.76% GNPA 1.43%
94.10%
ther Income Rs. 2,010 crore PPOP Rs. 2,373 crore Net Profit Rs. 1,455 crore PCR (Incl. w/off) 94.10% Significant indicators of progress…. RoA 1.03% RoE 12.76% GNPA 1.43% NNPA 0.29% Slippage Rati
1.03%
re Net Profit Rs. 1,455 crore PCR (Incl. w/off) 94.10% Significant indicators of progress…. RoA 1.03% RoE 12.76% GNPA 1.43% NNPA 0.29% Slippage Ratio 0.72% (Full Year) Transformation in progress …
12.76%
fit Rs. 1,455 crore PCR (Incl. w/off) 94.10% Significant indicators of progress…. RoA 1.03% RoE 12.76% GNPA 1.43% NNPA 0.29% Slippage Ratio 0.72% (Full Year) Transformation in progress …. Significa
1.43%
crore PCR (Incl. w/off) 94.10% Significant indicators of progress…. RoA 1.03% RoE 12.76% GNPA 1.43% NNPA 0.29% Slippage Ratio 0.72% (Full Year) Transformation in progress …. Significant improvem
0.29%
(Incl. w/off) 94.10% Significant indicators of progress…. RoA 1.03% RoE 12.76% GNPA 1.43% NNPA 0.29% Slippage Ratio 0.72% (Full Year) Transformation in progress …. Significant improvement in Bran
0.72%
Significant indicators of progress…. RoA 1.03% RoE 12.76% GNPA 1.43% NNPA 0.29% Slippage Ratio 0.72% (Full Year) Transformation in progress …. Significant improvement in Branch Productivity Built
Rs. 100,274
7 Cost continues to be managed tightly 5 BRIEF SNAPSHOT 6 Performance Highlights (1/2) Q4FY26 Rs. 100,274 Cr Gross Advances Rs. 87,579 Cr Q4FY25 Rs. 180,023 Cr Rs. 123,346 Cr Rs. 120,116 Cr 32.12% Di
Guidance — 2 items
Branch process reengineering update
opening
“Cr 1,00,274 1,80,023 1,63,270 95,040 54,800 24,533 FY21 FY22 FY23 FY24 FY25 FY26 FY21 FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Net Interest Income Profit after Tax Return Metrics Rs.”
Branch process reengineering update
opening
“13 Gold Loan Digitalization Process (Live from Mar 2025) Digitalization of Gold documentation with e-sign feature loan on-boarding process and 30 Way Forward – Growing Non- branch Distribution & Leveraging Partnerships Asset partnerships Co-lending partnerships SIB partners with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance & Personal loans for Amazon customers, aiming to enhance its retail portfolio quality and expand its customer base.”
Risks & concerns — 7 flagged
CAPABILITIES IN PRODUCTION IN-HOUSE INNOVATION · POWERED BY ZENI Spanning productivity, customer experience, engineering, and risk & compliance.
— Branch process reengineering update
Cr Total Capital Tier I Of which CET 1 Tier II Risk Weighted Assets Risk Weighted Assets Dec’25 9,789 9,265 9,265 524 54,873 Mar’26 11,117 10,606 10,606 511 56,538 Rs.
— Branch process reengineering update
● Management tools, CRM systems, Treasury & Risk Management.
— Branch process reengineering update
Experienced banking professional with extensive expertise in Credit analysis, Risk management, Foreign exchange and Branch banking.
— Branch process reengineering update
Rich experience in the field of Finance, Compliance, Risk, Treasury Back office, Branch operations and Regional Head.
— Branch process reengineering update
Nehru Singh B SGM & Chief Risk Officer & Head – Credit Policy, 29 years ● MBA &CAIIB qualified, Has 29+ years of experience in the Banking Industry, extensively in non-retail credit.
— Branch process reengineering update
Vinod G GM & Head - Data Science, 31 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 insurance, development banking, risk management, business intelligence, data analytics, predictive modelling, data science, etc.
— Branch process reengineering update
Speaking time
Branch process reengineering update
1
Opening remarks
Branch process reengineering update
Number of processes automated: 03 Number of processes eliminated: 14 Number of processes centralized: 10 Number of processes optimized : 07 Number of processes being reviewed for upgradation: 45 22 5 Multitude of Digital Initiatives… Driving customer empowerment through continuous digital transformation RE-IMAGINING BANKING THROUGH EXTENSIVE DIGITIZATION INNOVATIVE PRODUCT ECOSYSTEM End-to end digitization of locker agreement documentation & agreement execution with stronger controls, faster turnaround time and superior customer experience Digitized stock statement submission through banks website with an end-to-end digital process to improve TAT, enhance customer convenience and drive operational efficiency Digital Core Evolution – Re-engineered the SIB Mirror+ app into a versatile digital gateway, specifically optimized to cater New to Bank segments and Fintech ecosystem integrations SIBerNet now supports direct integration with various treasuries and govt entities such as EPFO, ESIC
← All transcriptsSOUTHBANK stock page →