Interim report
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DEPT : SECRETARIAL 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.bank.in CIN: L65191KL 1929PLC001017, Toll Free (India) 1800-102-9408, 1800-425-1809 (BSNL) www.southindianbank.bank.in Dear Madam/Sir, Sub: Outcome of the Board Meeting - Submission of Unaudited Financial Results for the quarter/half year ended 30th September, 2026. Pursuant to Regulation 30, 33 and other applicable provisions of SEBI (Listing Obligation and Disclosure Requirements) Regulations 2015, we submit herewith the Unaudited Financial Results of the Bank for the quarter/half year ended 30th September, 2026 (both standalone and consolidated) along with the Limited Review Reports issued by the Joint Statutory Auditors of the Bank which were reviewed and recommended by the Audit Committee of Board and duly approved and taken on record by the Board at their respective meetings held today, 15 th October, 2026. The Board Meeting commenced at 11:00 a.m . and the results were considered immediately and approved by the Board at 1:15 p.m. Thereafter, the meeting continued for consideration of the rest of the agenda items. The aforesaid information is also being hosted on the Bank’s website www.southindianbank.bank.in as per SEBI (Listing Obligation and Disclosure Requirements) Regulations 2015. Kindly take the information on record. Yours faithfully, (JIMMY MATHEW) COMPANY SECRETARY Encl.: as above REF. No.: SEC/ST.EX.STT/115/2026-27 DATE : October 15, 2026 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
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Zt*rrilBank REF. No. : DATE : SEC/ST.EX.STT/n 6 12026-27 October 15,2026 National Stock Exchange of India Ltd., Exchange Plaza, 5th Floor, Plot No.C/I, G Block, Bandra-Kurla Complex, Bandra @), Mumbai - 400 051. SCRIP CODE: SOUTHBANK BSE Ltd. Deparhnent 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(s), Sub: Declaration regarding the Limited Review Report with Unmodified Opinion for the Unaudited Financial Results (Standalone and Consolidated) of the Bank for the quarter/half year ended 30th Septemberr2026 Pursuant to Regulation 33 of the SEBI (.isting Obligations and Disclosure Requirements) Regulations, 2015, we hereby confirm that the Statutory Central Auditors of Bank have issued their Limited Review Report with an unmodified opinion for the Unaudited Financial Results (Standalone and Consolidated) of the Bank for the quarter/half year ended 30ft September,2026. The same is being hosted on the Bank's website www.southindianbank.bank.in as per listing regulations. Kindly take the information on record. Yours FRANCIS) FINANCIAL OFFICER Encl.: as above The South lndian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.B. House, T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala $e\ 0a87-2420 020, (Fax) 91 487-244 2021, e'mail'. sibcorporate@sib.bank.in CIN: L651 91 KL1 929P1C00101 7, Toll Free (lndia) 1 800-1 02-9408, 1 800-425-1 809 (BSNL) www.south ind ianban k.bank.in EXPERIENCE NEXT.GEN BANKING
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M/s M. P. Chitale & Co. Chartered Accountants Hamam House, Ambalal Doshi Marg, Fort Mumbai - 400 001 M/s Borkar & Muzumdar Chartered Accountants 211168 Anand Nagar Om CHS, Anand Nagar Lane, OffNehru Road, Santacruz (E), Mumbai - 400 055. 1 Review Report to The Board of Directors, The South Indian Bank Limited We have reviewed the accompanying statement of unaudited standalone financial results of The South Indian Bank Limited ('the Bank') for the quarter and half year ended September 30,2026 ('the Statement'), being submitted by the Bank pursuant to the requirements of Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended ("the Listing Regulations") except for the disclosures relating to Pillar 3 disclosure under Basel III Capital Regulations as at September 30,2026 including Leverage Ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio as have been disclosed on the Bank's website and in respect of which a link has been provided in the aforesaid Statement, which have not been reviewed by us. The Statement, which is the responsibility of the Bank's Management, reviewed by the Audit Committee of the Board and approved by the Bank's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard -25 'Interim Financial Reporting' (AS-25), prescribed under section 133 of the Companies Act, 2013 read with relevant Rules issued thereunder, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (the 'RBI') from time to time ('RBI Guidelines') and other accounting principles generally accepted in India and in compliance with the Listing Regulations. Our responsibility is to express a conclusion and issue a report on the Statement based on our review. We conducted our review of the Statement in accordance with the Standard on Review Engagement (SRE) 2410, "Review of Interim Financial Information Performed by the Independent Auditor of the Entity" issued by the Institute of Chartered Accountants of India (ICAI). This Standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review is limited primarily to inquiries of the Bank's personnel and analyical and other review procedures applied to financial data and thus provides less assurance than an audit conducted in accordance with Standards on Auditing specified under section 1a3 (10) of the Companies Act 2013 and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. We have not performed an audit and accordingly, we do not express an audit opinion. 2 J 1 Independent Auditors' Limited Review Report on unaudited standalone financial results of The South Indian Bank Limited for the quarter and half vear ended September 30. 2026. pursuant to the requirements of Regulation 33 and 52 of the SEBI (Listine Obligations and Disclosure Requirements) Resulations 2015 (as amended)
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4 5 M.P. Chitale & Co. Chartered Accountants For M.P. Chitale & Co. Chartered Accountants Firm Registration No. l0l851W Anagha Thatte Partner Membership No. 105525 uDIN: Lbt o55 L5 ZE YX PU5 Og L Place: Kochi Date: October 15,2026 Borkar & Muzumdar Chartered Accountants For Borkar & Muzumdar Chartered Accountants Firm Registration No. 101569W Kaushal Muzumdar Partner Membership No. 100938 UDIN: lG l".,-9 3 8 X H CPB H 5BoG Place: Kochi Date: October 15,2026 Our review primarily is conducted on the basis of review of the books of account and records of the Bank. We have also relied on the information and explanations furnished to us by the Bank and the returns as considered necessary by us for the review. Based on our review conducted and procedure performed as above, nothing has come to our attention that causes us to believe that the accompanying Statement prepared in accordance with the recognition and measurement principles laid down in AS 25 prescribed under Section 133 of the Companies Act, 2013 read with relevant rules issued thereunder, the RBI Guidelines and other recognised accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of the Listing Regulations including the manner in which it is to be disciosed, or that it contains any material misstatement or that it has not been prepared in accordance with the relevant prudential norms issued by the RBI in respect of income recognition, asset classification, provisioning and other related matters, except for the disclosures as stated in Note No 10 to the Statement relating to Pillar 3 disclosure under Basel III Capital Regulations as at September 30,2026 which have not been reviewed by us. fr 2 FRN r0t56ew
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Zt*,rilBank EXPERIENCE NEXT.GEN BANKING STANDALoNE UNAUDmED FINANCTAL REsuLTs FoR THE eUARTER AND HALF yEAn ExnED 3oo sEptEMBER 2026 (? in Lakhs) numbss re not annualivd t Debt represa* bmowings wih residual manrily of more than ue 1nar. 2 Toul debts represen* aal bonowings of he The South lndian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.B. House, T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala (Tel) 0487-2420 020, (Fax) 91487-2442021,e-mai[. sibcorporate@sib.bank.in N: 165191K11929P1C001017, TollFree (lndia) 1800-102-9408,1800-425-1809 (BSNL) www.southi ndianbank.bank.in Particulan Half Year ended Year ended 31.G!.202630.09.2026 30.06.2026 30.(D.2025 30.09.2026 30.09.2025 Unaudited Unaudited Unaudited Unaudited Unaudited Audited l. Intcrest eamed (a) + (b) + (c) + (d) (a) Intercst/discount on advanccVbills (b) Inmme on invesknents (c) Intcrcst on balanccs with Rescrve Bank of India and other inter-bank funds (d) Ottrers 2. Oths inmme 3. Totrl income (1+2) 4. Interest expcnded 5. Operating expenses (i) + (ii) (i) Employees mst (ii) Other operating expenscs 6. Totrl erpctrdttur (4) + (O (ercludiug provisions and contingencies) 7. Openting Prolit (3) - (6) (Profit before Pmvisions and Contlngencies) 8. Provisions (other than tax) and Contingencies 9. Exceptional items 10. ProliU(Loss) from ordlnery actMtics beforc trr (7XEXe) I l. Tax expense 12. Net proliu(Loss) from ordinery activities after tar (10x11) 13. Extsa ordinary items (t{et oftrx expcnse) 14. Net profiU(Lcs) for the period (12-13) 15. Paid-up equity share capital (Face Value ? 1/- each) 16. Rescrves excluding revaluation rescrves 17. Analytical ratios & other disclosures i) Percentage ofshares held by Government oflndia ii) Capital adequacy ratio (%) - BASEL m iii) Eaming per sh&re (EPS) (a) Basic EPS - bcforc and aflcr cxtraordinary itcms (t) I (b) Dluted EPS - before and after extraordinary itcms ({) t I iv) NPA Ratios | (a)GrossMA I (b) Net NPA | (c) yo ofCrrossNPA to GrossAdvances | 1a; z orN"tlrre toNetAdvances I v) Retum on assets (Annualised) % I lvi)Net worth lvii) Outstanding Redeemable Preferencc Shares lviii) Capital RedemPion Reserve iix) Debcnture Redemption Reservc lx) Debt Equity Ratiol | *it to,"l d"bo to iotal assets2 t' lxii) Operating Margin l*iii) N"t P.ofit N,t r*in 2J9,51o 224J3O 4s964 8,616 I,160 46,815 3r63Es t,61,9U 85.1 53 45,608 39,545 2,53,137 71,248 r 5,91 I 57,337 14,724 42,613 42,613 26,t9s Nil 19.40 rSsA8'4 to27t 1.24 0.09 1.12 tt,6E3s2 Nil Nit Nil 0.09 2.360/o 22.44o/o 13.060/o 1.63 t.62 2,62JEt 2,10,825 44,821 6362 773 37,949 3,00,730 1,60309 81241 44919 36322 2.41,550 59,180 8434 50,7{6 12,983 37,763 37,763 26,181 I Nil 19.62 143,767 26,747 1.38 o.26 1.07 1137 922 Nil Nil Nil 0.10 2.50% 19.68% 12.560/o 1.44 t.44 2A0,70s 1,81A94 4sso6 6,1t5 1390 51,573 2,9227E 1,59,827 78,895 42,738 36,157 238,722 53,556 6327 47,229 12,092 35,137 35,137 26,t61 r Nil t1.70 2,7O347 50,582 2.93 0.56 I.04 ro22,M8 Nit Nil Nil 0.04 4.E9/o 18.32o/o 12.02% 1.34 1.34 5A23st 43s,sss E9,885 t4978 1,933 u,164 627,trs 3282e3 1,66.394 90,527 75,t\67 4,94,641 132,428 24,345 r.06,(B3 27,707 80J76 EOJ?6 26,195 3.07 3.06 I 19.40 Nil tSsAu 10271 t.24 0.09 l.l0 l l,6E3s2 NiI Nil Nil 0.09 236% 2l.l2o/o 12.82o/o 4,69,935 12o,776 302s3 23,191 67332 67332 26,167 2.57 2.57 4J6949 3:7sJ60 81,996 11J44 7 A49 |,13,762 s,90,711 3,12,814 1,57,121 85,587 71,534 90,52:l r Nil 17.70 2,70347 50,582 2.93 0.56 1.03 1022968 Nil NI Nit 0.04 4.89/o 2O.45o/o ll.4oo/o 9,082 2'0094e 1r,Es599 6y'0914 3p7,348 1SsA52 1,41,E96 9,18262 237 337 41,733 9,84,650 7 3s,691 1,78,948 20,929 1,95,6(X 50,090 1,45,514 1,45,514 26,176 10,E2,M2 19.66 Nit 5,56 5.55 1y'3,050 28,793 1.43 o29 1.08 l l p0,363 Nit Nit Nil o.t2 2.17o/o 2O.O2o/o 12.27o/o FRN t0t505,V D
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Zt*itBank EXPERIENCE NEXT.GEN BANKING SEGMENT WISE RESULTS Particulan Quarter ended Half Year ended Year ended 31.03.202630.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 Unaudited Unaudited Unaudited Unaudited Unaudited AuditedRevenue a) Treasury b) Corporate/ Wholesale Banliing c) Retail Banking (i) Digital Ba*ing (ii) Other Retail Banking d) Other Banking Operations Total Less : Inter 64,225 97,390 1,52,997 20,428 I,32,569 r1,773 3,26,385 57,123 90,984 1,42,550 2 t, 102 I,2 1,448 10,073 3,00,730 68,459 84,091 1,28,2st 22,5 10 1,05,741 11,477 2,92,278 1,21,348 1,88,374 2,95,s47 4 1,530 2,54,017 2t,846 6,27,115 1,41,573 1,71,609 2,56,432 44,668 2,1 1,764 21,097 5,90,711 2,59,637 3,50,750 5,27,490 85,304 4,42,186 47,722 I1,85,599 Income 3.26.385 3,00.730 2.92.27A 6.27.115 5,90,71l I 1.85.5992. Segment Rerults (net of pmvisions) a) Treasury b) Corporarc/ Wholcsalc Banking c) Retail Banking (i) Digital Bonlcing (ii) Other Retail Banking d) Other Banking Operations Totel kss: Unallocated 12,869 9,351 3t,567 (4,5ee) 36,166 3,550 37,337 a,746 6,928 32,546 309 32,237 2,526 50,746 t2,tM 7,566 22,929 949 21,980 4,628 47,229 21,615 16,279 64,1t3 (4,2e0) 68,403 6.076 r,08,083 32,475 8,010 42,092 3,060 39,032 7,946 90,523 45,752 29,769 1,04,029 (10,802) I,14,832 1 6,054 1,95,604 ProfiU(Loss) Befor€ Tax 57,337 s0,746 17,229 1,08,083 90,523 3. Segment Assets a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking (, Digital Banking (ii) Other Retail Banhng d) Other Banking Operations e) Unallocated 31,41,209 6r,42,965 59,57.493 6,30,600 53,26,893 859 3,76.283 28,85,228 57,56,018 54,10.253 6,38,803 47,71,450 1,021 3.92.541 33,24.476 52,11.897 46,68,520 5,4 I,477 4 1,27,043 1,687 3.97.3s2 31,41,209 61,42,965 59,57,493 6,30,600 53,26,893 859 3.76.283 33,24,476 52,11,897 46,68,520 5,4 I,477 41,27,043 1,687 3,97.1s2 29,96,669 54,12,350 53,84,1 02 6, I 7,989 17,66,1 t3 1,193 3.81.316Total 1.56.18.809 1.44.45.06r 1.36.03.932 1.56.18.809 rJ6.03.932 1.41.75.6304. Segment Liabllitles a) Treasury b) Corporate/ Wholesle Banking c) Retail Banking (, Digital Banldng (ii) Other Retail Ba*ing d) Other Banking Operations e) Un allocated 28,59,802 57,48,606 55,75.040 5,90, I 17 49,84,923 2.27.727 26,39,451 53,60,1 52 50,38,167 5,94,870 44,43,297 2.27.227 31,@,222 44,6,721 43,59,33 I 5,05,6t 5 38,53,716 2.14-O97 28,59,802 57,48,606 55,75,040 5,90,I 17 49.84.923 2.27.727 31,00.222 48,(6,721 43,59,331 5,05,615 38,53,716 2-14.O97 27,32,171 50,48,946 50,22,s94 5,76,495 44,46,099 2.31.569 Total 1.44,r 1.175 1.32.64.997 1,25,40.371 1.44.1 1.175 1,25,40.37r 1.30.35.280 5. Capital Employed (Segnent Assets-Segment Liabilities) a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking (i) Digital Banhng (ii) Other Retail Banking d) Other Banking Operations e) Unailocated 2,81,407 3,94,359 3,82,453 40,483 3,41,970 859 1,48,556 2,45,777 3,95,866 3,72,086 43,933 3,28, I 53 l,o2l 1.65.314 2,24,254 3,45,176 3,09,1 89 35,862 2,73,327 1,687 l -83 -255 2,81,407 3,94,359 3,82,453 40,483 3,4 1,970 859 1.48.556 2,24,254 3,45,116 3,09,1 89 3s,862 2,73,i27 1,687 1 -83-25s 2,64,498 3,63,404 3,61,508 4 t,494 3,20,014 I,1 93 1.49.747 Total 12,07,634 l r.80.064 10.63.561 12,07.634 10,63,56r r 1.40.3s0 For the above segment reporting, the reportable segments are identified into Treasury, Corporate/Wholesale Other Banking Operations in Compliance with the revised RBI Guidelines. The Bank operates in India. Banking, Retail Banking (including Dgital Banking) and FRil r0r560w The South lndian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.B. House, T.B. Road, P.B. No: 28, Thrissur-680001, Kerala $ el) 0487 -2420 O20, ( Fax) 9 1 487 -244 202 1, e-mail : sibcorporate@sib. ban k. i n 165191K11929P1C001017, Toll Free (lndia) 1800-102-9408, 1800-425-1809 (BSNL) www.southindianbank.bank.in 1.95.604 D,
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Zt**HBank EXPERIENCE NEXT-GEN BANKING Notca: l. Stltcmcnl of Arets md Liabilitie ir givm bslow; 2. CaCr and qsh oll md elut notie. eah m hod (ircluding cmcynote), Balme with C in Lakhs) Balme with Barkr s, lndian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.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.bank.in CIN: 1651 91 KL1 929P1C001 01 7, Toll Free (lndia) 1 800-1 02-9408, 1 800-425-1 809 (BSNL) www.southi ndianbank.bank.in 26,195 t,374 l 1,81,438 t,37,27,E52 3,6t,120 3.l3.83r 26,167 6 t0,37,3r4 I,15,63,538 6,64,7 3ll tsr 26,176 I,l9] I 1,1.1, t7{ t,23.34.632 3.92,70r 3-06-750 1.56. l8-8lO I 36 tu1 g1, t-41-75.630 8,70,460 6,3 1.520 27,70,903 1,08,38,815 t,0d0l3 4-03-099 4,96,483 5.t2.045 30,?0.568 90,19,574 1,02356 4.0L906 6,18,295 3,95,779 27,3277t 99,25,980 1,04,284 3-98 521 1.56-l 8-8r O 136.03.932 l-4t_75.(j0 Yeu ended 30.09.2026 30.09.2025 Lhaudited 31.03.2026 Audited 1,0t,083 6,31I 5,136 (1,377) ?-4O2 22.5t6 (447) 352 0 322 q) {)l 5,607 5,061 (5,904) 159 30,716 <622) 215 3,633 (1s) 1p5,604 11,494 10,669 (4,90 l) 4,007 3t,322 (5e6) 53'l 3,886 (85) 1,43.298 t-29373 2,58,937 13,93,220 6,21J4 t4,902 (9,35,r50) 0.921\ 8,t0,978 41,O52 (1,%,696) (4,8?,067) (8,643) t5,82,072 36,058 (34,945) (r3.96.078) (8.062) 4,76,osi 1.64.41 1,79,0{5 6.19.351 2,93,997 437.9a) (30.708) (23-046) (17Jr7) 5.88.6.13 2.70,951 3.90.6{55 (5,,t69) ll (59,324\ (6,187) 6E (6.99.t61) (14,0t6) 22t (5-32.631) (6.1.742) (7,05,9e)) (5.46'496) ,108 (l 1,782) (24,581) 75 (r0,466) 2,t3,679 (6,740) (49,000) 252 (10,,t66) 41,653 (8,543) (79.0001 (35.955) 2.17-5i18 (56.104) 4.e7.906 (2,17.48r) (2.1r.935) 10,1d074 15,01,99, 1226"00B 10,08,528 12,26,U19 10,14,(n4 \ND'E FRN r0r559W reyat 30.09.2026 I lnrndir.il 30.0!r.2025 Un.udil€d 31.03.2026 JATI T AI, AI\D LIABILITIES
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Zt*^ilBank EXPERIENCE NEXT.GEN BANKING 3. The above standalone financial results for the quarier and half year ended Septernber 30,2026 were reviewed by the Audit Committee and approved by the Board of Drectors at its meeting held on October 15,2026. These rcsults have bcen subjected to limitcd review by the Joint Statutory Csntral Auditors lv7s. M.p. Chitale & Co, Chartsr€d Accountants and }vf/s. Borkar & Muzumdar, Chanersd Accountants ofthe Bank. The rcport thereon is unmodified. The financial results for the quarter and hatfyesr ended Septernbcr 30,2025, and for the FY 2025-26 were reviewed/audited by Joint Statutory Central Auditors lWs. M.p. Chitale & co, chartered Accountants and lws. Borkar & Muzumdar, chartered Accountants. 4. The Bank has consistently applied its signifcant accounting policies in the preparation olils fnancial results during the quartcr and halfyear ended Septernbcr 30,2026 as compared to those lbllowed tbr the year ended March 31, 2026. 5 The abovc financial results of the Bank have becn preparcd in sccordanc€ with the rccognition and measurement principles laid down in Accounting Standards specificd under Section 133 ofthe Companies Act, 2013 read with relevant rules issued thereunder,the relevant provisions ofthe Banking Regulation Acl l949,the cirulars,guidel.ines and directions issued by the Reserve Bank of India ('the RBD ,from time to time (RBI Guidelincs) and other accounting principles generally acceprcd in India, and is in mmpliancc with the presentation and disclosure requircrnents of lhe Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Dsclosure Requiranents) Rcgulationst0l5,as amended including relevant circulars issued by ttre SEBI from time to timc. 6 The financial mults have ben arivod at after mnsidering provision for standard assets (including requircmmts for exJnsurcs to mtitia with unhedged forcign curencv exposures), provision for non-performing assets (NPAs), provision for non-performing investnents, provision for inmme-tax and other usual and necessary provisions. transactions, commission from non - fund based banking activities, income from sale of PSL Certificates, income from card business, income from bancassuralce business, rccoveries from advances written offetc. 8 Other operating expcnses includes Insurance, Rent, Repair, Depreciation, Communication expenses, Outeourced manpower charges, prernium paid on pSLC purchase, CSR, Card cxpenses etc. 9 The Capital Adequacy Ratio is computed on the basis ofRBI guidelines applicable on the relevant reporting dates and the ratio for the conesponding previous peliod is not adjusted to mnsider the impact ofsubsequent changes ifany, in the guidelines. 10 In accordance with the RBI Circular DOR.CAP.REC.70/21414O2D025-26 on Prudential Norms on Capital Adequacy dated November 28,2025, as amended and RBI Circular DOR.LRG.No.82/13-IGOOI /2025-26 &rcd Novernbcr 28,2025 - Commercial B&nks - Asset Liability Managemcnf, as amended, Banks arc required to makc the following link. https://w*v.southindianbank.bank.in/other-linksr/disclosures/disclosure-under-bascl-ii-basel-iii-guidelines l hese disclosures have not been subjected to audivreview by the Joint Statutory Csntral Auditors. 1l Details of Resolution Plan implernented under Resolution Framework for COVID 19 related stress as per I{BI sircular dated August 06, 2020 (DOR.No.BPBCl3l21.M.O48D02G2I - Rcsolution Framcwork 1.0) and May 05,2021 (DOR.STR.REC.lll2l.O4.O48l2O2l-22 - Rcsolution Framcwork 2.0) are given below: T),pe of borrower Exposure to accounts classdied as Standard cons€quent to implemcntation ofresolution plan Position as at thc end of the previous half vear (A) of (A),1 aggr€gate debtl that slip@ rntol NPA during fiel half-year I Of (A) amount lwritten off during the halt'- year Of (A) amount pard by the borrowers during the half- I yeaf Exposure to accounts classrt-red as Standard consequent to implementation ofresolution plan - Position as at the end ofthig half-yea12 Personal Loans 8,921 6el 1,1 87 7,665 Corporate persons" 3,862 -l 27E 3,584 Of which, MSMEs -l C)then 1,424 -l ll6 1,308 Totol 14,207 6el 1,581 12,557 r As detined in Sectron 3(7) ofthe Insolvency and Bankruptcy Code,2016 tAmount paid by thc borrower during the halfyear is net ofadditions in the borrower account including additions due to interest capitalisation and accounts upgraded from NPA to Standard restructurcd catcgory. 2lncludes other facilities to the bonowcrs which have not been reshucturcd. ian Bank Ltd ce: Thrissur, Kerala Head Office: T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala (Tel) 0487-2420 020, (Fax) 91 487-244 2021, e-mail'. sibcorporate@sib.bank.in 165191K11929P1C001017, TollFree (lndia) '1800-102-9408,1800-425-1809 (BSNL) www.southindianbank.bank.in number F FRN r0r569tv * TH lA -l -l -l -l -l -l
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Zt*^NBank EXPERIENCE NEXT.GEN BANKING l2 DsclosuresaspercommercialBanks-TransferandDstributionofcredilRiskDirections,2025DrectionsdatedNovemtxjr2g,2o25fortheloanshansferred,racquired during the quarter ended Scptember 30, 2026 are given below: (i) The Bank has not transferred any Special Mention Account (sMA) and loan nol in delault during the quarter ended Septcmber 30p026. Details ofloans not in default are below: The acquired are not rated as these are to non<orporate borrowers. (iii) The Bank has not acquired any stressed loans during thc quarter ended September 30J026. (iv) During the quarter, Bank has not transfened any Non Performing Assets to any financial institutionVARC. (v) Details ofrccovery ratings assigned to Security Receipts as at S€ptembor 30,2026: Recovery Ratings . Anticipated Rccovery as per Recovcry Rating Book value NR2/RI /RRI l00Vo - 150o/o 7 2s2.s1 Total 7252.5t ' Recovery Rating is as assigned by various external rating agencies 13 Dsclosure related to clause 28 of RBI circular dated May 05,2021 whore the number of borrower accounts where modifications were sanctioned and implemented in terms ofClause 22 ofthe aforesaid circular: Type ofBorrower No ofAccounts Aggr€gate exposure to such borrnwcr (t in lakhs) Psrsonal Loans 3 I 34.1 8 Corporate Persons )f which MSMEs Others Total 3 134. I 8 There were 3 borrowers having an aggregate exposure oftl34.18 l,akh to the Bank, where Resolution Plan has been implemented under RBIs Resolution Framework 1.0 dated August 06,2020 and now modffied under RBIs Resolution Framcwork 2.0 datcd May 05,2021. Accounts where modification has becn done subsequently closed/upgraded to standard category not included here. 14 Details ofCol,ending Arrangcrnents as per Rescrve Bank of India (Commercial Banks-Transfcr and Dshibution of Crcdit Risk) Drections, 2025 are given The Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.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.bank.in N: L65191K11929P1C001017, Toll Free (lndia) 1800-102-9408, 1800-425-1809 (BSNL) www.southindianbank.bank.in residual 3474.9s 217.50 months) 36.54 Retention ofbeneficial economic interest by the originator t0.00% Tangible security coverage 180.90% Particulars ScDtcmbcr 30.2026 Quantum olCLAs: Number of CLA ParkrErs (Nos) 8 of Gross Outstanding ({) 1,96,878 Weighted average rate of intercst (%) 1o.700/o Fees charged for the Periq4 !:t) 1059 Broad sectors in which CLA was made Gold Loan, Personal [oan, Housing l,oan, Business l-osn Performance ofloans under CLA: Standsrd l-oan (a) Non Performing Inan ({) 19s,868 1,010 Details related to default loss guarantee available on qutqtanding amount (t) r057 FRN I Aggregate amount ofloans acquired ({ in lakhs) ln
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Zt*,rilBank EXPERIENCE NEXT.GEN BANKING 15 Disclosure related to Project Finance for the quarter ended Septernber 30, 2026, as per the Reserve Bank oflndia (Commercial Banks- Financial Statements: Presentation and Disclosures) Direction, 2025 dated November 28,2025 is given below: Itcm Dcscription Numbcr of Accowrts Total Outstanding ({ n Lakhs) l. Proiects qqder implanentation accormts at the beginning of the quarter. 37 25,777 2 Pmiects under implqlg4tgtion accounts sanctioned during the quarter 4 1.402 3. Proiects under implementation accounts where DCCO has been achieved durine the ouarter 3,405 4. Projects under implernentation accounts at the end ofthe quarter. (l+2-3) 34 26.162* 5. Out of '4' - accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked: l0 3,401 5.1 Out of '5' - accounts in respect of which Resolution plan has been implernented. 5.2 Out of '5' - accounts in reqgpt gf which Resolution plan is under implementation. 5 3 Out of'5' - accounts in respect ofwhich Resolution filan has failed 6. Out of '5', accounts in respect of which resolution process involving extension in original / exended DCCO, as the case may be, has been invoked due to change in scope and size ofthe project. 7. Out of'5', account in respect ofwhich cost overrua associated with extension in original / extended DCCO, as the case may be, was frmded: 7.1 Out of '7', accounts where SBCF was sanctioned during financial closwe and renewed continuously 7 .2 Out of '7'- accoturts where SBCF was not presanctioned or renewed continuouslv 8. Out of '4' - accounts in respect of which resolution process not involving extension in original / extended DCCO, as the case may be, has heen invoked. 8.1 Out of '8' - accounts in respect of which Resolution plan has been implemented. 8.2 Out of '8' - accounts in respect of which Resolution plan is under implementation. 8.3 Out of'8' - accounts in resoect ofwhich Resolution olan has failed. *hcludes movernent of { 2,388 Lak'hs during Q2 2026 in projects mder implementation 16 DuringthequarterandhalfyearendedSeptember30,2026,theBankallottdl4,3T,644andl9,35,803sharesrespectively,pursuanttotheexerciseofstockoption. I 7 Previous period's figures /ratios have been regrouped / reclassified, wherever necessary to conform to current period's classification. Place: Kochi Date: October 15,2026 Muralidhar Pai (Managing Director & CEO) @IN:09164982) The South lndian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.B. House, T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala (Tel)0487-242002O, (Fax) 91 487-2442021,e-mail: sibcorporate@sib.bank.in N:165191K11929P1C001017, Toll Free (lndia) 1800-102-9408,1800-425-1809 (BSNL) www.southindianbank.bank.in
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M/s M. P. Chitale & Co. Chartered Accountants Hamam House, Ambalal Doshi Marg, Fort Mumbai - 400 001 M/s Borkar & Muzumdar Chartered Accountants 211168 Anand Nagar Om CHS, AnandNagm Lane, OffNehru Road, Santacruz (E), Mumbai - 400 055. 1 Indenendent Auditors' Limited Review Renort on unaudited consolidated financial results of The South Indian Bank Limited for the quarter and half vear ended September 30. 2026. pursuant to the requirements of Resulation 33 and Resulation 52 of the SEBI (Listins Oblisations and Disclosure Requirements) Reeulations 2015 (as amended) Review Report to The Board of Directors, The South Indian Bank Limited We have reviewed the accompanying statement of unaudited consolidated financial results of The South Indian Bank Limited ('the Bank') and its subsidiary ( the Bank and its subsidiary together referred to as 'the Group'), for the quarter and half year ended September 30,2026 ('the Statement'), being submitted by the Bank pursuant to the requirements of Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (as amended) ('the Listing Regulations'), except for the disclosures relating to Pillar 3 disclosure under Basel III Capital Regulations as at September 30, 2026 including Leverage Ratio, Liquidity Coverage Ratio and Net Stable Funding Ratio as have been disclosed on the Bank's website and in respect of which a link has been provided in the aforesaid Statement, which have not been reviewed by us. The Statement, which is the responsibility of the Bank's Management, reviewed by the Audit Committee of the Board and approved by the Bank's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Accounting Standard-25 'Interim Financial Reporting' ('AS-25'), prescribed under section 133 of the Companies Act" 2013 read with relevant Rules issued thereunder, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India (the 'RBI') from time to time (the 'RBI Guidelines') and other accounting principles generally accepted in India and in compliance with the Listing Regulations. Our responsibility is to express a conclusion and issue a report on the Statement based on our review. We conducted our review of Statement in accordance with the Standard on Review Engagement (SRE) 2410, "Revisw of Interim Financial Information Performed by the Independent Auditor of the Entity" issued by the Institute of Chartered Accountants of India (ICAI). This Standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review is limited primarily to inquiries of the Bank's personnel and analytical and other review procedures applied to financial data and thus provides less assurance than an audit conducted in accordance with Standards on Auditing specified under section 143 (10) of the Companies Act 2013 and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. We have not performed an audit and accordingly, we do not express an audit opinion. We also performed procedures in accordance with the circular issued by the SEBI under Regulation Listing Regulations, as amended, to the extent applicable 2 J 33(8) ofthe 7
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M.P. Chitale & Co. Chartered Accountants For M.P. Chitale & Co. Chartered Accountants Firm Registration No. l0185lW Borkar & Muzumdar Chartered Accountants 4 5 6 Our review primarily is conducted on the basis of review of the books of account and records of the Bank. We have also relied on the information and explanations furnished to us by the Bank and the returns as considered necessary by us for the review. 'fhe Statement includes the results of the following Subsidiary: SIB Operations and Services Limited Based on our review conducted and procedures performed as above and based on the consideration of the limited review report of the Subsidiary by other auditor as ref-erred to in Paragraph 7 below, nothing has come to our attention that causes us to believe that the accontpanying Staternent prepared in accordance with the recognition and tueasurement principles laid down in AS 25 prescribed under Section 133 of the Companies Act.2013 read with relevant rules issued thereunder, the RBI Guidelines and other recognised accounting principles generally accepted in India has not disclosed the information reqr.rired to be disclosed in terms of the Listing Regulations, including the manner in which it is to be disclosed. We did not review the interirn ur,audited finar-rcial results of the Subsidiary inclr.rded in the Statement whose interim unaudited financial results reflect total assets of Rs 7.66 Crore as at September 30. 2o26.total revenues of Rs. 10.37 Crore and Rs. 20.32 Crore and total net profit after tax of Rs. 0.20 Crore and Rs 0.23 Crore for the quarter and half year ended September 30.2026 respectively, and cash outflow (net) of Rs. 1.94 Crore fbr the lialf year ended September 30. 2026, as considered in the Staternent. The intcrim financial statements/financial inlbrmation/ financial results of such Subsidiary have beerr reviewed b,v other auditor, whose review report has been firrnished to us by the Management and our conclusion on the Statement, in so far as it relates to the amounts and disclosures included in respect of the Subsidiary, is based solely on the said report and the procedures performed by us as stated in Paragraphs 3 and 4 above. Our conclusion on the Statement is not modifled in respect of this matter. 1 l'or Borl<:rr & Muzumdar Chartered Accountauts Firm Registration No. 101569W Kaushal Muzumdlr Partner Anagha'l'hatte Partner Membership No. 105525 uDrN: 261o55 25X ZTLYU3q 23 Place: Kochi Date: October 15.2026 w- Membership No. 100938 UDrN: l.6i oo SZahLTE Za?o8 a. Place: Kochi Date: October 15.2026 2 FRN l0l669tV
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Zt*,rilBank EXPERIENCE NEXT-GEN BANKING CONSOLIDATED UNAUDITED FINANCIAL REsuLTs FoR TIrE eUARTER AIID rrALF YEAR ENDED tob sEptnMBER 2026 (t in Lakhs) Particulsrs Half Year ended Year ended 31.03.202630.09.2026 30.05.2026 30.09.2025 30.09.2026 30.09.2025 Unaudited Unaudited Unaudited Unaudited Unaudited Audited 2,79,570 2,24,730 45,064 8,616 1,160 46,810 326J80 1,67.984 85,120 46,587 38,533 253,r04 73,276 15,911 57,365 14,731 42$U 42$34 26,195 Nil 1.63 1.62 2,62,781 2,10,82s 44,821 6,362 773 37,959 3,00J40 1.60,309 8t,247 45,878 35,369 2J15s6 s9,184 8,434 50,750 12,984 31,766 37,766 26,1 8 I - Nil 1.44 1.44 2,40,705 1,87 ,494 45,606 6,1 15 1,490 51,552 2,92,257 1,59.827 78,845 43,514 35,33 1 2,38,672 s358s 6,327 47,258 12,099 35,159 35,159 26,167 - Nir 1.34 1.34 5,42,351 4 15 55s 89,885 14,978 1,933 84,769 627,120 1 'e ,a? 1,66,167 92,465 73,902 4,94,660 1J2,460 24,345 1,0E,1 15 2'7 ,715 80,400 80,400 26,195 - Nil 3.07 3.06 4,76,949 3,75,760 81,996 t|,744 7,449 1,13,721 5,90,670 3.12,814 1,57,02r 87,05 l 69,970 4,69,835 1,20,E35 30,253 90,582 23,206 67,376 67376 26,t67 Nil 2.57 2.57 9,84,650 7,75.691 1,78,948 20,929 9,082 2,00.878 rlrE552E 6.40,914 3,07,229 1,68,734 1,38,495 9,48,r43 2,37,385 41,734 r"95,65r 50,087 11s564 us564 26,r76 10,82,930 Nil 5.56 5.55 r Qumterly/half-yearly numbers are not annualised The South lndian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.B. House, T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala $ el) O487 -2420 020, (Fax) 9 1 487 -244 202 1, e-mail: sibcorporate@sib. ba n k. in ctN: 1651 91 KL1 929P1C001 01 7, Toll Free (lndia) 1 800-1 02-9408, 1 800-425-1 809 (BSNL) www.southi nd ian bank.bank.in
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Ztw,rilBank EXPERIENCE NEXT-GEN BANKING CONSOLIDATED SEGMENT WISE RESULTS Particulars Ouarter ended Helf Year ended Year ended 3r.03.202630.09.2026 30.06.2026 30.09.2025 30.09.2026 30.09.2025 Unaudlted Unaudited Unaudited Unaudited Unaudited Audited l. Segment Revenue a) Treasury b) Corporate/ Whr.rlesale Bemkrng c) Retail BaDking (i) Digilal Banking (ii) Other Retail Bolking d) Other Banking Operations Total l,ess : Inter serrnent Revenue 64,225 97,390 1,52,997 20,428 1,32,569 I 1,768 3,26J80 57,r23 90,984 1,42,550 2 I,102 I ,2 I,448 10,083 3,00,740 68,459 84,091 l,28,25 l 22,5 t0 t,05,741 I 1,456 2,92,257 1,21,348 1,88,374 2,95,547 4 1,530 2.54,017 21,851 6,27,120 1,41,573 1,71,609 2,56,432 44,668 2,t 1,764 21,056 5,90,670 2,59,637 3,50,750 5,27,4m 85,304 4,42, t86 47,651 rr,85528 Nct Income from Operations J'6J80 3.00.7{0 2-92.257 6.27.t20 5.90.670 11.85s28 2. Segment Rerults (net of provisionr) a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking (i) Digital Bo*ing (ii) Other Retail Banking d) C-Xhcr Baoldng Opcrations Total kss: Unallocated 12,869 9,35 r 31,567 (4,5e9) 36, t66 3,552 571339 06\ 8,746 6,928 32,546 309 3 2,237 , qr( 50,745 (5) 12,106 7,566 22,929 949 2 1,980 4,()28 47229 Qe) 21,615 16,279 64,1 l3 (4,2e0) 68,403 (t,077 1,08,084 (31 32,47s 8,010 42,092 3,060 39,032 7,946 90523 (59) 45,752 29,769 1,04,029 (10,802) 1,14,832 16,054 1p5,604 @Tt ProfiU(Loss) Before Tax 57J65 50.750 172s8 1.08.1 l5 90582 1.95,651 3. Segmsil a336i3 a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking (i) Digilal Banking (ii) Other Retail Banking d) Other Banking Operations e) Un allocated 31,41,159 61,42,965 59.57.497 6,30,600 53.26.893 859 3.76.396 28,85,178 57,56,018 54, r 0.253 6,38,803 47,71,450 1,021 3.92.61 33,24,426 52,11,897 46,68.520 5,41,477 41,27,O43 1,687 3.97.402 3 1,41,159 61,42,965 59.57.491 6,30,600 53,26,893 859 3.76396 31,24,426 52,11,897 46,68.520 5,41,477 4 1,27,043 I,687 ).97.402 29,96,619 54,t2,350 53.84. I 02 6, I 7,989 47,66, I t3 1,193 3-81-382 Total r56.r8.E72 1.44.45.0E3 rJ6.03932 1.56.18.872 1J6.03.932 1.41.75.646 4. Segment Liebilities a) Treasury b) Corporate/ Wholesale Banking c) Retail BankiDg (i) Digital Banking (ii) Other Reail Banking d) Other Banking Operations e) Un allooated 28,-59,802 57,48,@6 55,74,675 5,90, I 17 49,84,558 2,28,046 26.3 9,451 53,60,152 50,37,592 5,94,870 44,42,722 2,27.734 11.00.222 48,66,721 43,58,886 5.05.615 38,53,27 I 2.14.46t 28,59,802 57,48,606 55,74,675 5,90,117 49,84,558 2.28.046 3t,00.222 48,66,721 43,58,886 5,05,615 38,53,27 I 2.14.461 27.32,171 50,48,946 s0,22,05t 5,76,495 44,45,556 2.32.04 Totel 1.44.11.129 1.32.64.929 1.25.40.290 t.44.tt-129 1.25.40.290 lJ0J5J09 5. Capital Employed [Segment Asretr - Segment Liabilitiesl a) Treasury b) Corporate/ Wholesale Banking c) Retail Banking (i) Digital B@1king (ii) Other Retail Bo*ing d) Other Banking Operatrons e) Un allocated 2,81,357 3,94,359 3,82,818 40,483 3,4 2,335 859 1.48.350 2.45,72't 3,95,866 3,72,661 43,933 3,28,728 1,021 1.64.879 2,24,2M 3,45,176 3,09,634 35,862 2,73,772 r,6E7 1.82.941 2,8t,357 3,94,359 3,82,818 40,483 3.42.3i5 859 1-48.350 2,24,204 ),45,176 3,09,634 i5,862 2,73,772 1,687 1.82.941 2,64,448 3,63,404 3,62,051 41,494 3,20,s57 1,193 1.49.34 Total 12.07.143 1 1.80.r54 t0-63-642 t2-o7-743 10.63.642 11.40.431 segments are mto Banking Operations in Compliance with the revised RBI Guidelines. The Bank oper:ates in India. lA The South k Ltd. rr, Kerala r - 680001, KeralaHead Office: S.l.B. House, T.B. Road, P.B. No: Thrissu $ el O 87 -2420 020, ( Fax) 9 I 487 -244 2021, e-mail sibcorporate@sib. ban k. in N: L65191K11929PLC001017, Toll Free (lndia) 1800-102-9408, 1800-425-1809 (BSNL) www.southi ndianbank.bank.in
Page 15
Zl*^$Bank Nol6: Capitsl Enployees' Stc* O6iau Orrsrarding Rucrvs od Surplus DeeGits Bqrcwings Olhr Uabilitic ud Provisim 26,t95 1,374 I 1,81,548 1,37,27,487 3,68,t20 1 t4 tlR 26,167 956 10.37,475 r,t5,63,094 6,64,726 3_l t_51 26,t76 1,191 tl,t4.26l t,23,34089 3,92,701 3.O7.222 1.56.18-8 l-i6.ol 9?, l-4t-73-6,a4 wiilrRme Balmm with Buks md mmey at call & shqt notie Invesfirsfs Adva6 As€ts 8,70,2160 6,3t,520 27,70,853 t,08,3t,81 5 1,04,014 4.03.21 4,96,483 5,t2,O45 30,70,5 l8 90,t9,574 r,02,357 4-02 955 6,18,295 3,95,779 27,32,72t 99,25,9t0 1,04,284 3.98.587 1.55.18-f,72 136.fit.932 t-tt-7s-644 a CNh llox fmm operrtlng ecdvlde Cmlidated Profit befwtaxs pq Proft md tm Amut AdJurttHtrfor: Dcpreiatio AmGtisatim of hmium m tffM Investr{ts apprcciatioolOeprwiatim of Inve$rerfs / Nm Prfming Inve*nertrs hovisim against Sfmdtrd Assas offfo Nm Perfming Assts l'roYisim StockOptimeryem Intqeslm Subqdimledbo& sle of lud buil,lings ud othd as€{s Opcmthg pmlt before mrldrg cepltal chnge Chagc in wcking capital: Inrei (Dmw)inDeposits Intr* / (D6w) in Oba liabiliric (A) / Doorw in hrctmenls (crolurling Hcld To Maluity lovcasuils) (lrrc)/DsrEe in Advmq (lnmre) / Decrw in Othtr Asts (B) (A+B) (c) f,or from opemt&rg activldq before tare Diru'tTucpaid cash f,m from(urd ht) opentlng ecdvltio [m fren lnvetlnt r.dvlds: of Fixed Asstvc&pital Wot-in-Pmgms of Fixed/Nm Banking Asts (lncrase/Dere* in Held To Matuity Inv€sbHft Net ruh Oow Ibom(u*d tl) ttvcrtht rcth,{d6 Cerh fiow ftom fnmlng rctft,lda: hoeeds Am ise of strm epital (Including Share hmim) Divi&nd paid imluding Corprate Dvidad Tu (D) prceeds,(repaymflrs) m btrrowings lntemt m Subordinafed bmds Issue/(Repalmnt) of Subqdinale bonds Net eh Ow fttnr(ued In) nnrmhg ecth,I66 Net lncM!.(dere) h erh md sh eqrdvalentr (E) (C+DfE) atrd 6h equlvalents u at begfuinlng of the yw Eqer note belov) md ffih equivalflt! u at the end of the perlod Half ymr ended Ymr ended 30.09t026 30.09.202s 31.03.2025 Unaudlted Unaudited Audited 1,08,t 15 6,31I 5,136 (1,377) 2,N2 22,5t6 (447) 352 0 322 90,582 5,607 5,061 (5,904) 159 30,716 (640) 215 3,633 (ls) 1,95,65 r 1r,494 10,669 (4,e01) 4,007 38,32 I (546) 537 3,886 (84) 1.43330 r29.4t4 2.59.034 13,93,398 6,O47 14,902 (9,35,350) (2,94r t,to,872 4t,t27 (r,96,696',) (4,82,067) (8,654) I 5,81,867 36, I l5 (34,915) (t3,96,07t) (7.984) 4,75"056 1.64,582 t.78.975 6.l9JE6 2.93.99{ 4JE.009 (30.743\ (23.046 (47.346\ 5,t8.643 2.70.950 3.m.663 (5..169) II (59.324\ (6,187) 68 (6.99.861) (14,086) (5,32,63r) (64,7t21 (7.05.9t0) (5.,r5.495) ,108 (l 1,782) (24,58 1) 75 (10,466) 2,83,679 (6,74a\ (49.000) 252 (10,466) 4t,653 (8,543) (79,000) (35.9ss) 2.17.54a (56,r04) 4.87.906 (2,17.4&t) (2.1 1.9361 r236.010 r0,{}t*s2r 12160r0 10.1d074 Cuh ud 6h equivsler[s ud strort notie. m hmd (including fceign fllmy mt6), Balam wilh Rffie Bek Balre with Bankr md mmy at The South an Bank Ltd., Reg rissur, Kerala Head Office: S.l.B. House, T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala (Tel)0487-2420O20, (Fax)91 487-244 2021, e-mail:sibcorporate@sib.bank.in y' ctN, 1651 91 K11 929p1C0 01017, Toil Free (lndia) 1 800-1 02-9408, 1 800-425-1 809 (BSNL) www.south indianbank.bank.in FRN r0r569W EXPERIENCE NEXT.GEN BANKING Irnaudlted Audltpd 10.14,(}74 15.01.9t0
Page 16
Zt*,rilBank EXPERIENCE NEXT.GEN BANKING 3. The above consolidated financial results for the quarter and half year ended Septernber 30,2026 were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on October 15,2026. These results have been subjected to limited rwiew by the Joint Statutory Central Auditors tWs. M.P. Chitale & Co, Chartered Accoutants and lWs. Borkm & Muzumdar, Chartered Accormtants of the Bank. The report thereon is rmmodified. The financial results for the quarter and half year ended September 30, 2025, and for the FY 2025-26 were reviewed./audited by Joint Statutory Cental Auditors lWs. M.P. Chitale & Co, Charter€d Accountants and lWs. Borkar & Muzumdar, Chartered Accormtants. 4. The Consolidated Financial Results comynise the financial results ofThe South Indian RBnk Ltd and 'it's subsidiary STR OJrrations and Services Ltd 5. Group has consistently applied its signifcant accounting policies in the preparation of its financial results during the quarter and half year ended Septunber 3O, 2026 as compared to those followed for the year ended March 31, 2026. 6 The aborrc financial results have been prepared in accordance with the recopition and measurernent principles laid down in Accounting Standards specified under Section I 3 3 of the Compaoies Act, 20 I 3 read with relevant rules issued thereunder the relwant provisions of the Banking Regulation Act 1 949 ,the circulars, guidelines and directions issued by the Reserrre Bank of India (the RBI) ,from time to time (RBI Guidelines') and other accounting principles generally accepted in India,and is in compliance with the presentation and disclosne requirenrents of the Regulation 33 and Regulation 52 of the SEBI (Listiry Obligations and Disclosure Requirements) Rcgulations 2015, as amcndcd inchding rclcr,ant circulars issucd b"v thc SEBI from timc to timc. exposgres), prwision for oon-performing assets (NPAs), provision for non-performing ii/estnents, provision for income-tax and other usual and necessar provisions. transactions, commission from non - fimd based banking activities, income from sale ofPSL Certificates, income from card business,income from bancasswance business, recoveries ftom advances technically written off etc. 9 Other operating erTenses includes Insurance, Rent, Repair, @reciation. Communication expenses, C)utsourced manpower charges, premium paid on PSLC purchase, CSR, Card expenses etc. l0InaccordancewiththeRBICircularDOR.CAP.REC.T0l2l4lm2l2025-26onPnrdentialNonnsonCapitalAdequacydatedNowrnber2S,2025,asamendedand RBI Circulff DOR.LRG.No.82ll3-].omln125-26 datd November 28,2025 -'Commercial Banks - Asset Liability Managemenf, as amended, Banks are required to make Pillar III disclosures including lerrerage ratio and liquidity co\€rage ratio under Basel III Famework. The Bank has made these disclostres which are available on its website at the following link. htps://www.southindianbank.bank.in/other-linkVdisclosueJdisclosure-under-basel-ii-basel-iii-guidelines These disclosrues have not beerr subjected to audiVrwiew by the Joint Statutory Cuttal Auditors. I I D:ring the quarter and halfyear ended Septenrber 30, 2026, the Barik allotted 14,37,644 and I 9,35,803 strares respecthely, pursuant to the exercise of stock option. l 2 Prwious period's figrres /ratios bave been regrouped / reclassified, wherwer nec€ssary to conform to curcnt period's classification. /) wk Mahesh Muralidhar Pai (Managing Director & CEO) (DIN:09164982) Place: Kochi Date: October 15,2026 The South lndian Bank Ltd., Regd. Office: Thrissur, Kerala Head Office: S.l.B. House, T.B. Road, P.B. No: 28, Thrissur - 680001, Kerala (Tel) 0487-2420 02O, (Fax) 91 487-244 2021, e-mail sibcorporate@sib.bank.in ctN: L651 91 KL1 929P1C001 01 7, Toll Free (lndia) 1 800-1 02-9408, 1 800-425-1809 (BSNL) www.southindianbank.bank.in FRN I 569W ND]4