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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. 2
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Brief Snapshot About South Indian Bank – Key Highlights Key Areas of Focus Annexure 1 2 3 4 3
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Key Highlights Portfolio quality continues to improve 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 Cost continues to be managed tightly 1 2 3 4 5 6 4
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BRIEF SNAPSHOT 5
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Performance Highlights (1/2) Gross Advances Disbursements Deposits Rs. 109,517 Cr Rs. 85,773 Cr Rs. 137,279 Cr Rs. 92,286 Cr Rs. 105,025 Cr Rs. 115,635 Cr Large Scale of Operations Retail Deposits Rs. 129,353 Cr Rs. 112,625 Cr CASA % 31.55% 31.86% Q2FY27 Q2FY26 Profit After Tax Return on Assets Return on EquityNet Interest Margin Rs. 426 Cr Rs. 351Cr 3.33% 2.80% 1.08% 1.02% 14.00% 13.11% Consistently Delivered Robust Shareholder Returns Q2FY27 Q2FY26 6 Y-o-Y Comparison
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Performance Highlights (2/2) Healthy Asset Quality GNPA PCR (incl. w/off) PCR (excl. w/off)NNPA 1.24% 2.93% 0.09% 0.56% 97.84% 90.25% 92.42% 81.29% Branches States / UTs Digital TransactionsEmployees 959 948 9,485 9,242 26 / 4 26 / 4 98.7% 98.4% Multi-pronged distribution Q2FY27 Q2FY26 CRAR 19.40% 17.70% Q2FY27 Q2FY26 7 Y-o-Y Comparison
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ABOUT SOUTH INDIAN BANK – KEY HIGHLIGHTS
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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 1 2 3 4 5 6 9
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Diversified loan book with granularity & growth in disbursements in MSME and Retail1 92,286 96,764 1,00,274 1,04,368 1,09,517 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 Consistently growing loan book…. …and Average Advances …with healthy loan disbursals R A M* 61% Corporate 39% Well diversified loan book with ~61% other than corporate Q2’FY27 Rs 1,09,517 Cr With a diversified portfolio… Rs. Cr Rs. Cr 19%* Rs. Cr R A M* 60% Corporate 40% Q2’FY26 Rs 92,286 Cr * includes technical write off of 1,163 crore, excluding this Y-o-Y growth is 20%. 10* Retail Agri and MSME 86,876 92,544 98,011 99,738 1,04,248 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 52,720 39,751 35,247 36,048 49,725 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27
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3,929 3,077 5,144 3,849 Total Book Excl. IBPC & DA Sep'25 Sep'26 31% 25% Consistent growth momentum in business and retail advances continues… Home Loans Auto Loans 13,424 15,490 Sep'25 Sep'26 15%Rs. Cr Mortgage Loans Rs. CrRs. Cr Rs. Cr Gold Loans 18,845 26,603 Sep'25 Sep'26 41% Rs. Cr 11Includes IBPC and Portfolio Buyout (DA) 2,209 2,560 Sep'25 Sep'26 16% Personal Loans Rs. Cr Business Segment Loans 2,288 1,836 2,648 2425 Total Book Excl IBPC & DA Sep'25 Sep'26 16% 32% Rs. Cr 8,849 5,806 8,886 6,928 Total Book Excl. IBPC & DA Sep'25 Sep'26 ~1% 19%
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Standard Large Corporate Advances| 26% Others| 74% Dominant share of A & above rated corporate loans Corporate Loan Book Standard Large Corporate Advances (Rs. 100 Cr & Above) High share of A & Above rated Large Corporate Loans** 37,008 38,353 38,670 41,704 43,164 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Rs. Cr Sep'25 Sep'26 25,341 28,723 1.1% 1.8% 0.9% 1.2% 0.9% 0.4% 0.0% 0.0% 0.0% 0.0% 4.0% 3.9% 3.9% 3.1% 4.0% 27.1% 31.5% 33.6% 33.0% 33.3% 67.4% 62.8% 61.6% 62.8% 61.8% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 < BBB & Unrated BBB A AA AAA Standard Advance above Rs. 100 Cr (External Rating) Rs. Cr Sep’26 99.1% A & Above rated Large Corporate Loans 12**Does not include exposure to unrated state government owned entity
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MSME Loans comprise mainly of High-Yield Portfolio Focus on MSME loans… ….while creating a granular and diversified book Geographical Split Kerala| 36% South (ex-Kerala)| 38% Rest of India| 26% Sep’26 – Rs. 15,490 Cr 51.4 53.5 51.3 50.8 50.9 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Rs. Lakhs Average MSME Loan/Account MSME Strategic Initiatives New Format # includes write off of 554 crore, excluding this Y-o-Y growth is 20% 13 Expansion of ECG Footprint Accelerated NTB Business Defined Borrower Segment Focus Augmentation of Key Resource Capabilities LOS Workflow Optimization & Digitization Capability Building & Training Branch Empowerment Structured Performance Recognition Establish dedicated ECG centres across high-potential locations to enhance geographic coverage and deepen market penetration, alongside strengthening the existing regional footprint. Drive focused acquisition of New-to-Bank clients in identified growth markets to scale the NTB portfolio and improve market share. Target mid-sized enterprises with turnover up to ₹500 crores, enabling structured sourcing of proposals ranging from ₹3 crores to ₹35 crores per borrower. Deploy additional RM/SM resources at major ECG centres to strengthen origination, relationship management, and execution capabilities. Streamlined the LOS process through simplified data capture, API-led integrations, and enhanced automation to significantly reduce login-to-disbursement turnaround time. Implement continuous learning interventions through structured online and offline programs in collaboration with training institutions to build domain expertise and market readiness. Bank branches are empowered to handle small-value MSME loans with the support of on-the-ground technology for faster sanctioning. Roll out quarterly campaigns with clearly defined performance metrics, complemented by staff Recognition for ECG teams, branches, and credit hubs. Rs. in crore Sep-25 Dec-25 Mar-26# Jun-26# Sep-26# MSME/SME 9,923 9,807 9,269 9,177 9,153 Others 3,501 4,212 4,509 5,214 6,337 Total 13,424 14,019 13,778 14,391 15,490
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Rest of India| 37%South (Ex- Kerala)| 32% Kerala, 31% Pan India presence with focus on diversification2 *Map for illustration purpose only 948 959 Q2FY26 Q2FY27 1,269 1,277 Q2FY26 Q2FY27 8.1 8.2 Q2FY26 Q2FY27 100+ 50-100 20-50 10-20 No. Of Branches Branches1 ATM / CRM Customers Mn 1. Excludes 5 USBs & Satellite branches Branch NetworkDiversifying Loan Book Outside Kerala 21% 19% 49% 11% Metropolitan Urban Semi-Urban Rural Q2’FY27 Branch Split* Q2’FY27 Has a network of 959 Branches across India Rest of India, 36% South (Ex- Kerala)| 34% Kerala, 30% Q2’FY26 Loan Book Rs. 92,286 Cr Q2’FY27 Loan Book Rs. 109,517 Cr 69% bookisOutsideKerala 70%bookisOutsideKerala 14
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Strong focus on improving asset quality and collection efficiency3 Net NPA below pre- covid level 6.97% 5.90% 5.14% 4.50% 3.20% 1.43% 1.24% 4.71% 2.97% 1.86% 1.46% 0.92% 0.29% 0.09% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 GNPA NNPA …with focus on Recoveries and Upgrades Significant improvement in PCR…. 58.7% 69.6% 76.8% 79.1% 85.0% 94.1% 97.8% 34.1% 51.3% 65.1% 68.7% 71.8% 79.9% 92.4% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 PCR Incl W/off PCR excl W/off 690 1,464 1,814 1,642 1,534 1,356* 441 FY21 FY22 FY23 FY24 FY25 FY26 HY1 FY27 Rs. Cr …and reduced Credit cost Rs. Cr * Includes recovery by way of sale to ARC Rs. 43.01 crore (Loan amount Rs. 78.36 crore) 0.07% 0.08% 0.03% 0.09% 0.14% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 15
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Pristine Asset Quality with enhanced metrics SMA 1 showing consistent improvement… …with lower SMA 2 numbers… Significant improvement in GNPA & NNPA numbers…. 3,620 3,720 3,731 3,736 2,800 2,807 2,703 2,582 1,430 1,438 1,355 1,135 1,151 1,073 1,056 791 591 506 426 288 267 103 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 GNPA NNPA Rs. Cr …Slippages at all time low 284 341 307 291 206 182 198 155 147 128 1030.4% 0.4% 0.4% 0.3% 0.2% 0.2% 0.2% 0.2% 0.1% 0.1% 0.1% Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Slippages as % of advances Rs. Cr 521 575 490 504 288 415 306 347 182 269 2310.7% 0.7% 0.6% 0.6% 0.3% 0.5% 0.3% 0.4% 0.2% 0.3% 0.2% 0.0 0% 0.5 0% 1.0 0% 1.5 0% 2.0 0% - 100 200 300 400 500 600 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 SMA 2 as % of advances Rs. Cr Rs. Cr 16 826 913 839 740 638 687 489 553 427 510 4481.0% 1.1% 1.0% 0.9% 0.7% 0.8% 0.5% 0.6% 0.4% 0.5% 0.4% 0.0 % 0.5 % 1.0 % 1.5 % 2.0 % 300 400 500 600 700 800 900 1,00 0 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 SMA 1 as % of advances
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3,010 2,648 3,230 1,511 7,926 7,044 7,090 7,146 7,676 9,242 29,797 30,550 32,475 33,820 34,068 75,784 77,923 80,495 82,810 86,043 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 Bulk Current Savings Retail Term Well Distributed Deposit Base with focus on low cost deposits4 Breakup of Deposits Rs. Cr 137,279* 118,211 123,346 115,635 36,841 37,640 39,621 41,496 43,310 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 32.12% 32.98% 31.55%31.86% % Deposits CASA Ratio continues to hold… CASA AQB continues to grow consistently…. 100 102 106 113 117 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Rebased to 100 Rs. Cr 125,817 31.84% 17 * Deposits have grown by 18.72% on a Y-o-Y basis.
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NRI Deposit continues to be a focus with stable Cost of Funds Breakup of Non Resident Deposits Cost of Funds / Yield on Funds Rs. Cr 4.74 4.77 4.77 4.53 4.42 7.13 7.34 7.42 7.43 7.36 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 Cost Of Funds Yield on Funds Deposit Type Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 NR SB 8,143 8,533 9,112 9,501 9,562 NR CD * 62 62 67 72 75 FCNR (B), RFC & Others 2,876 2,954 3,283 3,482 5,207 Low-Cost NRI Deposit 11,081 11,549 12,462 13,055 14,844 NRE Term Deposit 20,667 20,907 21,264 21,708 21,627 NRO Term Deposit 1,447 1,509 1,645 1,669 1,732 Total 33,195 33,965 35,370 36,432 38,203 Yield on advances/ Yield on Investments / Cost of Deposits 8.56% 8.42% 8.43% 8.48% 8.55% 6.50% 6.42% 6.60% 6.66% 6.68% 5.41% 5.34% 5.37% 5.06% 5.00% Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 Yield on Advances Yield on Investments Cost of Deposits 18 * Does not include overdue Deposit details
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Driving customer empowerment through continuous digital transformation | Multitude of Digital Initiatives…5 19 Domestic customers are allowed to update Aadhaar, PAN, Address and KYC review date through SIB Mirror+ Personal Finance Manager & Account aggregator facility live in SIB Mirror+ for customers to keep track of their spend pattern in SIB & other bank accounts. Onboarded INDMoney as Lending Service Provider for end-to-end digital journey and customer life cycle management for Loan Against Mutual Fund and PL products. Customers can now modify the renewal terms, renewal flag of their deposit accounts completely online through SIB Mirror+ Integrated with RBIH-ULI platform for land record verification to ensure the end use of the Agri Gold loans extended to customers New module introduced in Sibernet TF Portal enabling customer to request for Buyer’s Credit and Foreign LC through TF portal. Finacle CBS version upgrade to further enhance Bank’s Core Banking Capabilities by providing improved system performance, scalability & integration capabilities ULI based Vehicle Hypothecation Termination is enabled with direct integration, eliminating any manual intervention from customers. With release of UPI Mandate Interoperability, customers can seamlessly view and port their UPI Autopay mandates from any UPI application. Customer 360 within in-house CRM brings all customer data & interactions together, speeding decision making & boosting the quality of service and relationships. Customers can easily raise digital requests for FSLD and Personal Loan closure through digital channels RE-IMAGINING BANKING THROUGH EXTENSIVE DIGITIZATION UPI Help 2.0 released to simplify customer support for UPI transactions, incl. transaction assistance, grievance tracking, Autopay management, debit freeze & safety switch. UPI Tap & Pay enables customers to make UPI payments by simply tapping their NFC enabled mobile phone on POS terminal, eliminating need to scan a QR code
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AI at South Indian Bank Day-Book Audit – Automated End to End AI-driven audit of branch day books LEA Workflow Automation Automating workflows of Legal and Enforcement communications Automates outbound calls, analyzes call recordings intelligently AI Based Internal Audit with Human Approver Outbound Voice BOT & AI powered call analytics Automating Internal Audit STRATEGIC TECHNOLOGY PARTNERSHIPS Collaborating to Drive Intelligent Banking Transformation. Automated reconciliation to generate discrepancy reports for post-facto verification & auditing AI assisted Cheque Verification in CTS IN-HOUSE INNOVATION · POWERED BY ZENI Spanning productivity, customer experience, engineering, and risk & compliance. Enterprise Agentic AI Assistant Bank-wide work-flow automation and productivity layer Retrieval-Augmented Generation (RAG) Indexed knowledge base for instant search across internal documents and policies. AI Tools for improving customer interactions Autonomous information-retrieval agents augmenting service teams AI-Assisted Engineering Coding agents accelerating application development. Governance Agentic review for IT change-management workflows and AI/ML Signature Verification AI-assisted signature authentication accelerating internal operations. Domain Aware Document Generator AI-powered internal document Generation Insight engine for Review and Complaints AI-driven auditing platform for customer reviews and complaints 20 AI enhanced QA Process for Finacle and Digital Channels AI Assisted Quality Assurance Resonate AI for continuous user engagement for Staff events in LMS Dedicated AI Centre of Excellence accelerating innovation and technology-led growth Artificial Intelligence (AI) capabilities are now in production across the Bank, powered by Zeni, our proprietary, open-source-based AI framework developed in-house and complemented by strategic vendor partnerships.
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..leading to a rise in transactions with high digital share Internet Transaction Volume Mobile Transaction Volume 4,121 4,351 4,405 4,450 4,728 98.4% 98.5% 98.5% 98.7% 98.7% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Daily average Transactions through digital channel % total transactions (000)’s 1,744 1,769 1,848 1,766 1,910 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 215 230 235 241 259 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 (000)’s Mn ….leading to rising digital banking….. 21
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….creating operational efficiency Employee Additions Cost-to-Income Ratio (Quarterly) Improving productivity metrics -7 3 -88 186 167 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 59.6% 57.2% 55.3% 57.9% 53.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 21.6 22.1 22.7 24.5 24.4 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 208 212 216 234 238 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Business per Employee Business per BranchRs. Cr Rs. Cr 22
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Robust Track Record of Financial Performance6 Total Business Gross Advances Disbursements Net Interest Income Profit after Tax Return Metrics 1,50,957 1,63,743 1,82,346 1,95,104 2,23,619 2,46,795 FY22 FY23 FY24 FY25 FY26 HY1 FY27 61,816 72,092 80,426 87,579 1,00,274 1,09,517 FY22 FY23 FY24 FY25 FY26 HY1 FY27 24,533 54,800 95,040 1,63,270 1,80,023 85,773 FY22 FY23 FY24 FY25 FY26 HY1 FY27 2,240 3,012 3,332 3,486 3,437 2,141 FY22 FY23 FY24 FY25 FY26 HY1 FY27 45 775 1,070 1,303 1,455 804 FY22 FY23 FY24 FY25 FY26 HY1 FY27 0.77% 11.61%12.13% 12.90% 12.76% 13.28% 0.04% 0.72% 0.91% 1.05% 1.03% 1.03% FY22 FY23 FY24 FY25 FY26 HY1 FY27 Rs. Cr Rs. Cr Rs. Cr Rs. CrRs. Cr ROE ROA 23
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KEY AREAS OF FOCUS 24
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Enhancing Portfolio Resilience Improving Branch Productivity Cost Optimization Growing non- branch Distribution & Leveraging Partnerships Enhancing Control / Compliance Architecture Key Areas of Focus 25
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Asset partnerships Strategic Tie-Ups (Live) Co-lending partnerships Co-lending / DA platformEqual daily installment program Loan against Mutual fund Insurance premium financing Way Forward – Growing Non- branch Distribution & Leveraging Partnerships 26 Personal loan
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Liability Partnerships Strategic Tie-Ups (Live) Fintech Partnership- allowing NTB customers to open deposit accounts Pure play –Inhouse products In-house solutions for Digital deposits / Digital Personal loans/ Secured credit line on UPI 27 Way Forward – Growing Non- branch Distribution & Leveraging Partnerships
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ANNEXURE 28
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Profit & Loss Overview (Standalone) Particulars (Rs. In Cr) Q2-FY27 Q2-FY26 Y-o-Y (%) Q1-FY27 Q-o-Q (%) HY1 FY27 HY1 FY26 Y-o-Y (%) Net Interest Income 1,116 808 38% 1,025 9% 2,140 1,641 30% Non-Interest Income 468 516 -9% 379 23% 848 1,138 -25% Core Fee Income 198 206 -4% 179 11% 377 393 -4% Treasury & Forex 80 129 -38% 44 82% 124 386 -68% Other 190 181 5% 156 22% 347 359 -3% Total Income 1,584 1,324 20% 1,404 13% 2,988 2,779 8% Operating Expenses 852 789 8% 812 5% 1,664 1,571 6% Operating Profit 732 535 37% 592 24% 1,324 1,208 10% Provisions & Contingencies 159 63 152% 84 89% 243 303 -20% Profit Before Tax 573 472 21% 508 13% 1,081 905 19% Provision for Tax 147 121 21% 130 13% 277 232 19% Profit After Tax 426 351 21% 378 13% 804 673 19% 29
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Balance Sheet Overview (Standalone) Particulars (Rs. In Cr) Q2 FY27 Q2 FY26 Y-o-Y (%) Q1 FY27 Q-o-Q (%) Capital & Liabilities 1,56,188 1,36,039 15% 1,44,451 8% Capital 262 262 0% 262 0% Reserves and Surplus 11,814 10,374 14% 11,539 2% Deposits 1,37,279 1,15,635 19% 1,25,817 9% Borrowings 3,681 6,647 -45% 3,607 2% Other Liabilities & Provisions 3,152 3,121 1% 3,226 -2% Assets 1,56,188 1,36,039 15% 1,44,451 8% Cash & Balances with RBI 8,705 4,965 75% 4,780 82% Balances with Banks 6,315 5,120 23% 4,860 30% Investments 27,709 30,706 -10% 26,456 5% Advances 1,08,388 90,196 20% 1,03,325 5% Fixed Assets 1,040 1,023 2% 1,041 0% Other Assets 4,031 4,029 0% 3,989 1% Business (Net Advances + Deposits) 2,45,667 2,05,831 19% 2,29,142 7% Current Accounts 9,242 7,044 31% 7,676 20% Savings Accounts 34,068 29,797 14% 33,820 1% CASA Ratio 31.55% 31.86% -31bps 32.98% -143bps 30
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Key Metrics Particulars Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 Net Interest Margin (NIM) 3.33% 3.23% 2.95% 2.86% 2.80% 3.03% CRAR Basel III 19.40% 19.62% 19.66% 17.84% 17.70% 19.48% RoA* 1.08% 1.05% 1.17% 1.07% 1.02% 1.01% RoE* 14.00% 12.84% 14.49% 13.49% 13.11% 12.41% Provision Coverage (Incl. W/off) 97.84% 94.51% 94.10% 91.57% 90.25% 88.82% Provision Coverage (Excl. W/off) 92.42% 81.40% 79.87% 83.50% 81.29% 78.93% CASA 31.55% 32.98% 32.12% 31.84% 31.86% 32.06% Gross NPA 1.24% 1.38% 1.43% 2.67% 2.93% 3.15% Net NPA 0.09% 0.26% 0.29% 0.45% 0.56% 0.68% Book Value per Share (Rs.) 46.1 45.1 43.6 42.1 40.6 39.8 Earnings per Share (Rs.) * 6.1 5.8 5.6 5.3 5.1 4.9 Customer Touch Points Kerala 503 502 498 498 498 498 South Ex Kerala 288 283 282 282 282 282 Rest of India 168 168 168 168 168 168 Total 959 953 948 948 948 948 31*Annualized
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Non-Performing Assets GNPA NNPA GNPA Movement NNPA Movement Rs. Cr Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Opening 2,807 2,704 2,582 1,431 1,438 591 506 426 288 267 Additions 202 177 149 130 105 108 73 60 55 38 Deductions 305 299 1,300 123 188 193 153 198 76 202 Closing 2,704 2,582 1,431 1,438 1,355 506 426 288 267 103 32 2.93 2.67 1.43 1.38 1.24 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 0.56 0.45 0.29 0.26 0.09 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27
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Provisions Rs. Cr Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 For NPA & NPI 141 83 15 61 58 249 For Standard Assets 10 14 18 20 6 (5) For Restructured Advances/Sacrifices & FITL (1) (2) (2) (2) (3) (6) For Unhedged Forex Exposure 6 (2) 4 (1) 1 - Others 3 (9) - 2 1 1 Taxes 147 130 139 130 121 111 Total Provisions 306 214 174 210 184 350 33
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Slippages & Asset Quality Slippage Ratio 0.21 0.16 0.15 0.12 0.09 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Segment wise GNPA Segment wise Slippages Rs. Cr Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Rs. Cr Q2 FY26 Q1 FY27 Q2FY27 Agriculture 435 404 154 159 139 Agriculture 35 14 11 Business Loans 1,352 1,309 647 627 631 Business Loans 36 20 16 Personal Segment 550 567 378 400 372 Personal Segment 91 94 74 Corporate 366 301 251 252 213 Corporate 36 0 2 Total 2,703 2,581 1,431 1,438 1,355 Total 198 128 103 34
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Stressed Assets Restructured Standard Assets Sectoral Break-up 241 215 193 175 161 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Rs. Cr 3% 0% 48% 19% 30% On account of MSME restructuring General - DCCO Extension OTR COVID Personal Segment OTR COVID MSME OTR COVID Others COVID One Time Restructuring Security Receipts Rs. Cr. Covid 1.0 Covid 2.0 Total MSME 3 27 30 Personal loans 3 73 76 Other exposures 36 13 49 Total 42 113 155 Security Receipts Outstanding as on Sep 30, 2026 (Rs. Cr) Book Value Provision NAV 72.53* - 72.53* * SRs issued by NARCL 35
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175 39 47 63 63 63 166 166 166 118 113 113 Rs. in Cr Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 SLR 28,620 28,076 25,339 23,970 25,251 NON-SLR 2,153 2,097 2,079 2,546 2,560 Total 30,773 30,173 27,418 26,516 27,811 SLR & NON-SLR Investment Book 19 18 22 23 28 51 55 -9 15 44 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Treasury & Forex Income * Forex Profit from sale of Investment 13 38 73 70 72 5.53 5.44 5.17 5.51 5.38 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 M Duration * Excludes depreciation on Investments 36
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Capital Composition Risk Weighted Assets CRAR 18.93% 18.71% 0.69% 0.69% Jun'26 Sep'26 Tier 1 Tier 2 18.93%CET 1 18.71% Risk Weighted Assets Rs. Cr Jun’26 Sep’26 Total Capital 11,553 11,928 Tier I 11,146 11,503 Of which CET 1 11,146 11,503 Tier II 407 425 Risk Weighted Assets 58,873 61,497 Total Capital Adequacy Ratio is well above minimum regulatory requirement of 11.50% Total Risk weighted assets to Total assets stands at 39.37% as on Sep 30, 2026 16.79% 16.88% 18.76% 18.93% 18.71% 0.91% 0.96% 0.90% 0.69% 0.69% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Tier 1 Tier 2 19.66% 19.62% 19.62% 19.40% 17.84% 19.40% 17.70% 37 Rs. Cr Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Sep-26 Total Capital 7,273 7,258 7,977 9,985 10,227 11,117 11,928 Tier I 6,031 6,051 6,816 8,853 9,521 10,606 11,503 Of which CET 1 5,531 5,551 6,316 8,353 9,521 10,606 11,503 Tier II 1,243 1,207 1,161 1,132 706 511 425 Consistent improvement in the CET 1 Capital
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38 Strong Management Team lead by
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Strong Management Team Mr. Dolphy Jose Executive Director, 32 years ● More than 32 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 EVP & Chief Operating Officer, 36 years ● MBA in Human Resource management, Associated with SIB for more than 30 years. ● Handled HR, Branch banking, Internal Audit & Vigilance, Fraud Management, Regional Head and Retail Banking. Currently having the additional responsibility of Secured Retail Asset verticals namely Housing Loan, Auto Loan, Agri, Gold, etc. Mr. Senthil Kumar CGM & Chief Credit Officer, 31 years ● Management graduate with 31 years of experience in banking and finance ● 21 years of experience with ICICI Bank across Sales, Credit, Product, Recovery and Collection functions 39 Mr. Sony A CGM & CIO, 34 years ● Certified Information Systems Auditor from ISACA, USA and MBA. Over 30 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. Ms. Minu Moonjely CGM - Head Large & Emerging Corporate Group, 30 years ● Post Graduate in Commerce, CAIIB and Advanced Management in Banking and Finance by IIBF. Associated with SIB for more than 30 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.
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Strong Management Team Ms. Chithra H SGM & Chief Compliance Officer, 34 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. Mr. Nandakumar G SGM & Chief of Internal Vigilance, 34 years ● Associated with SIB for more than 30 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. 40 Mr. Nehru Singh B SGM & Chief Risk Officer & Head – Credit Policy, 30 years ● MBA &CAIIB qualified, Has 30+ 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. Mr. Vinod A N SGM & Head of Treasury, 32 years ● Associated with Kotak Group & SBI during last 28 years. Masters in Financial Management (MFM) from JBIMS, Mumbai with more than 31 years of experience In Banking & Financial Markets. ● Has Treasury & Fund Management experience of 21 years in Money markets, Forex & Derivatives, Fixed Income & Equity Markets in the Front Office Dealing Room at SBI & Kotak Mahindra Bank. Mr. Jimmy Mathew SGM - Head HR & Company Secretary, 20 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 16 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.
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Strong Management Team Mr. Vinod Francis SGM & Chief Financial Officer, 20 years ● Associate member of the ICAI and Certified Associate of the Institute of Banking & Finance. Associated with SIB for over 20 years. Rich experience in the field of Finance, Credit and Branch Operations ● Leadership Development Programme by IIM, Bangalore, Strategic Finance for Emerging CFOs by IIM, Lucknow, Certificate Course on Forensic Accounting and Fraud Detection by ICAI. Executive Education programme in General Management by Indian School of Business (ISB), Hyderabad 41 Mr. Ananth Babu SGM & Head Cards, 25 years ● Over 25 years of experience in Cards, Payments & Retail Lending across leading organisations like American Express, HDFC Bank, Axis Bank & CSB Bank with proven track record in scaling up and managing large businesses. ● Expertise in P&L Management, Distribution, Contact Centre operations and Digital. Holds a PGDBM from Xavier Institute of Management, Mumbai. Mr. Sreekumar Chengath GM & Head – Business Process Group, 31 years ● B. Tech in Computer Engineering, MBA in Banking and Finance, Certified Associate of Indian Institute of Banking and Finance ● Over 31 years of banking experience, Associated with SIB for over 25 years. Rich experience in IT, IT Security and Centralized Banking Operations Mr. Shibu K Thomas GM - IT, 26 years ● Bachelors Degree in Engineering with certification in cyber security ● Experienced IT and cyber security professional with more than 26 years of combined IT/cyber security experience. Mr. 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 in general insurance, development banking, risk management, business intelligence, data analytics, predictive modelling, data science, etc. ● Associated with SIB for over 5 years
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Strong Management Team 42 Mr. Binoy R K GM & Business Head – Emerging Corporate Group, 20 years ● Holds B.Com Degree, CAIIB and Fellow Member of Institute of Cost Accountants of India ● Two decades of banking experience spanning Credit , Branch Banking and Regional Leadership roles Mr. Vijith S GM & Head – Strategic Alliances & Digital Business Department, 20 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 20 years. Rich experience in the field of Finance, Compliance, Strategic Alliances, Investor Relations, Credit and Branch Operations. Mr. Madhu Madhavan Pillai GM & Head – MBG & Zonal Head Branch Banking, 34 years ● Masters in Mathematics ; Certified Associate of Indian Institute of Banking & Finance (CAIIB) ; Associated with the bank for more than 30 years ● Vast experience in Branch Banking (Retail/MSME), Corporate Banking, Lead 3 major Regions of the Bank as Regional Head
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THANK YOU 43