Press Release

DEPT : SECRETARIAL REF. No. : SEC/ST.EX.STT/117 /2026-27 DATE : October 15, 2026 National Stock Exchange of India Ltd., BSE Ltd. Exchange Plaza, 5th Floor, Department of Corporate Services (Listing), Plot No.C/1, G Block, First Floor, New Trading Wing, Bandra-Kurla Complex, Bandra (E), Rotunda Building, P J Towers, Mumbai – 400 051. Dalal Street, Fort, Mumbai – 400 001. SCRIP CODE: SOUTHBANK SCRIP CODE: 532218 Dear Madam/Sir, Sub: Press release on Unaudited Financial Results of the Bank for the quarter/half year ended 30th September, 2026. Pursuant to Regulation 30 of Securities and Exchange Board of India (Listing Obligation and Disclosure Requirements) Regulations, 2015, we hereby enclose the Press Release on the Unaudited Financial Results of the Bank for the quarter/half year ended 30th 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 faithfully, (JIMMY MATHEW) COMPANY SECRETARY Encl.: as above 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 Press Release October 15, 2026 South Indian Bank Records Highest Ever Quarterly Net Profit of Rs. 426.13 Crore in Q2 FY 2026-27 The South Indian Bank Ltd. declared Net Profit of Rs. 426.13 Cr. for Q2 FY 2026-27 registering a growth of 21.28 % compared to Rs. 351.37 Cr. in Q2 FY 2025-26. Key Highlights of Q2 FY 2026-27 ➢ Highest ever Net Interest Income of Rs. 1,116 Cr. with a growth of 37.95% on Y-o-Y basis ➢ Operating Profit increased to Rs. 732 Cr. with a growth of 37% on Y-o-Y basis ➢ Net Interest Margin improved from 2.80% to 3.33% on Y-o-Y basis ➢ GNPA came down by 169 bps from 2.93% to 1.24% on Y-o-Y basis ➢ NNPA dropped by 47 bps from 0.56 % to 0.09 % on Y-o-Y basis ➢ PCR excl. write off increased by 1,113 bps from 81.29 % to 92.42 % Y-o-Y basis ➢ PCR including write off increased by 760 bps from 90.25 % to 97.84 % Y-o-Y basis o Deposits ➢ Retail Deposit grew by Rs. 16,728 Cr. from Rs. 1,12,625 Cr. to Rs. 1,29,353 Cr., showing an increase of 14.85 % on Y-o-Y basis ➢ NRI Deposit grew by Rs. 5,008 Cr. from Rs. 33,195 Cr. to Rs. 38,203 Cr., showing an increase of 15.09 % on Y-o-Y basis ➢ CASA grew by 17.56 % on Y-o-Y basis with growth in Savings Bank by 14.34 % and Current Account by 31.19 % respectively o Advances ➢ Gross advances grew by Rs. 17,231 Cr. from Rs. 92,286 to Rs. 109,517 Cr., showing an increase of 18.67 % on Y-o-Y basis ➢ Corporate Segment grew by Rs. 6,156 Cr. from Rs. 37,008 Cr. to Rs. 43,164 Cr. showing an increase of 16.63% on Y-o-Y basis ➢ 99.10% of Large Corporate Segments are rated A & Above 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 ➢ Gold Loan portfolio grew by Rs. 7,758 Cr. from Rs. 18,845 Cr. to Rs. 26,603 Cr. showing an increase of 41.17 % on Y-o-Y basis ➢ Business Segment grew by Rs. 2,066 Cr. from Rs. 13,424 Cr. to Rs. 15,490 Cr. registering a growth of 15.39 % on Y-o-Y basis ➢ Mortgage loan grew by Rs. 1,215 Cr. from Rs. 3,929 Cr. to Rs. 5,144 Cr. showing an increase of 30.92 % on Y-o-Y basis ➢ Vehicle Loan Segment went up by Rs. 360 Cr. from Rs. 2,288 Cr. to Rs. 2,648 Cr., showing an increase of 15.73 % on Y-o-Y basis Y-o-Y growth Rs. in Crore Quarter Ended Quarter Ended 30-09-2026 30-09-2025 Growth % Gross Advance 1,09,517 92,286 17,231 19% Retail Deposits 1,29,353 1,12,625 16,728 15% NRI Deposit 38,203 33,195 5,008 15% Current Deposits 9,242 7,044 2,198 31% Savings Deposits 34,068 29,797 4,272 14% CASA 43,310 36,841 6,469 18% CASA % 31.55% 31.86% (31 bps) Gross NPA % 1.24% 2.93% (169 bps) Net NPA % 0.09% 0.56% (47 bps) Net Interest Income 1,116 809 307 38% Other income 468 516 (48) (9%) Operating Profit 732 536 196 37% Provisions excl tax 159 63 96 151% Profit before tax 573 472 101 21% Net Profit after tax 426 351 75 21% Statement by Mr. Mahesh Muralidhar Pai, MD & CEO of the Bank: “While announcing the financial results, I am pleased to share that our strategy continues to centre around sustained profitability, superior asset quality, a resilient loan book, and a robust retail liability portfolio. We are sharpening our organizational structure and leveraging digital technology to effectively achieve our business objectives. During the reporting period, the Bank witnessed consistent growth across all targeted segments, with a sharp focus on acquiring quality assets in verticals such as Corporate Lending, MSME Loans, Housing 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 Loans, Auto Loans and Gold Loans. Focus on liability continues with thrust on active customer engagement and quality acquisition. Aligned with our strategic intent of ‘Profitability through Quality Credit Growth’, we have successfully onboarded new advances with low-risk profiles, ensuring a well-balanced and healthy credit portfolio.” The Bank’s financial results include the financial results of its wholly owned subsidiary SIBOSL. About South Indian Bank South Indian Bank is a leading Kerala-based Private Sector Bank with a nationwide presence. The Bank’s shares are listed on The Stock Exchange Mumbai (BSE) and The National Stock Exchange of India Ltd., Mumbai (NSE). South Indian Bank has 959 branches, 1277 ATMs/CRMs across India, and a Representative Office in Dubai, UAE. South Indian Bank is a pioneer in technology-based banking, offering an array of digital products and services. Over 98% of all transactions are done through digital channels. It has one of the youngest workforces in the banking sector in the country. For more information, please log on to www.southindianbank.bank.in For Media Queries, please contact: - Dr. Ramesh K P Deputy General Manager & Head - Marketing South Indian Bank Mobile: +91-98470 01555 Email: rameshkp@sib.bank.in John C George Chief Manager – Corporate Communications Marketing Department, South Indian Bank Email: media@sib.bank.in / johncgeorge@sib.bank.in Mobile: +91-75598 26409 Connect with us: 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