Investor Presentation

DEPT : SECRETARIAL REF. No. : SEC/ST.EX.STT/ 118 /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: Presentation to Investors and Analysts Pursuant to Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015, please find enclosed the Investor Presentation to Investors and Analysts in respect of Unaudited Financial Results of the South Indian Bank Limited for the quarter/half year ended 30th September, 2026. The aforesaid information is also being hosted on the website of the Bank www.southindianbank.bank.in. Kindly take the same in your records. 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 Disclaimer This presentation (the "Presentation") has been prepared by The South Indian Bank Ltd., (the "Company") for informational purposes only. No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certain statements made in this presentation may not be based on historical information or facts and may be “forward looking statements”, including those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person. No part of this Presentation should be construed as investment advice or a recommendation to buy or sell any securities or to engage in any investment strategy. The information provided does not constitute legal, tax, or financial advice and should not be relied upon as such. Investors should conduct their own due diligence and consult with qualified financial and legal advisors before making any investment decisions. The Company makes no representations or warranties regarding the completeness or accuracy of the information contained in this Presentation, and to the fullest extent permitted by law, the Company shall not be liable for any loss, damage, or expense of any kind arising from reliance on this information. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. This presentation cannot be copied and/or disseminated in any manner. Brief Snapshot About South Indian Bank – Key Highlights Key Areas of Focus Annexure Key Highlights 1 Portfolio quality continues to improve 2 Shift from Corporate to MSME and Retail gathers momentum 3 Material increase in branch productivity 4 Significant improvement in processes and systems 5 Focus on digital channel to drive operating efficiency Cost continues to be managed tightly BRIEF SNAPSHOT Performance Highlights (1/2) Q2FY27 Rs. 109,517 Cr Rs. 85,773 Cr Rs. 137,279 Cr Rs. 129,353 Cr 31.55% Gross Advances Disbursements Deposits Retail Deposits CASA % Rs. 92,286 Cr Rs. 105,025 Cr Rs. 115,635 Cr Rs. 112,625 Cr 31.86% Large Scale of Operations Q2FY26 Q2FY27 Rs. 426 Cr 3.33% 1.08% 14.00% Net Interest Profit After Tax Return on Assets Return on Equity Margin Rs. 351Cr 2.80% 1.02% 13.11% Consistently Delivered Robust Q2FY26 Shareholder Returns Y-o-Y Comparison Performance Highlights (2/2) Q2FY27 1.24% 0.09% 97.84% 92.42% 19.40% PCR PCR GNPA NNPA CRAR (incl. w/off) (excl. w/off) 2.93% 0.56% 90.25% 81.29% 17.70% Healthy Asset Quality Q2FY26 Q2FY27 959 9,485 26 / 4 98.7% Digital Branches Employees States / UTs Transactions 948 9,242 26 / 4 98.4% Multi-pronged distribution Q2FY26 Y-o-Y Comparison ABOUT SOUTH INDIAN BANK – KEY HIGHLIGHTS SIB’s Strengths 1 Diversified loan book – focused on Retail, MSME and high-quality Corporate Pan India presence Strong focus on Asset Quality and Collection Efficiency 4 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 Diversified loan book with granularity & growth in disbursements in MSME and Retail Consistently growing loan book…. …and Average Advances Rs. Cr Rs. Cr 19%* 1,04,248 1,09,517 1,04,368 99,738 1,00,274 98,011 96,764 92,286 92,544 86,876 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 Q2'FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 * includes technical write off of 1,163 crore, excluding this Y-o-Y growth is 20%. With a diversified portfolio… …with healthy loan disbursals Well diversified loan book with ~61% other than corporate Rs. Cr 52,720 49,725 Corporate R A M* Corporate R A M* 39,751 35,247 36,048 40% 60% 39% 61% Q2’FY27 Q2’FY26 Rs 92,286 Cr Rs 1,09,517 Cr Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 * Retail Agri and MSME Consistent growth momentum in business and retail advances continues… Business Segment Loans Gold Loans Personal Loans Rs. Cr 15% 15,490 Rs. Cr 41% 26,603 Rs. Cr 16% 2,560 13,424 2,209 18,845 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Home Loans Auto Loans Mortgage Loans Rs. Cr Rs. Cr ~1% Rs. Cr Rs. Cr 8,849 8,886 16% 31% 19% 5,144 25% 2,648 2425 6,928 2,288 3,929 3,849 3,077 5,806 1,836 Total Book Excl. IBPC & DA Total Book Excl IBPC & DA Total Book Excl. IBPC & DA Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Includes IBPC and Portfolio Buyout (DA) 11 Dominant share of A & above rated corporate loans Corporate Loan Book Standard Large Corporate Advances (Rs. 100 Cr & Above) Rs. Cr 43,164 Rs. Cr 28,723 41,704 Standard Large 25,341 Corporate Advances| 38,353 38,670 26% 37,008 Others| Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Sep'25 Sep'26 High share of A & Above rated Large Corporate Loans** Standard Advance above Rs. 100 Cr (External Rating) Sep’26 < BBB & Unrated BBB A AA AAA 99.1% 67.4% 62.8% 61.6% 62.8% 61.8% 4.0% 4.0% 3.9% 3.9% 3.1% 0.4% 27.1% 0.0% 31.5% 0.0% 33.6% 0.0% 33.0% 0.0% 33.3% 1.1% 1.8% 0.9% 1.2% 0.9% A & Above rated Large Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Corporate Loans **Does not include exposure to unrated state government owned entity MSME Loans comprise mainly of High-Yield Portfolio New Format Focus on MSME loans… MSME Strategic Initiatives Rs. in crore Sep-25 Dec-25 Mar-26# Jun-26# Sep-26# Expansion of ECG Establish dedicated ECG centres across high-potential locations to enhance geographic coverage and deepen MSME/SME 9,923 9,807 9,269 9,177 9,153 Footprint market penetration, alongside strengthening the existing regional footprint. Others 3,501 4,212 4,509 5,214 6,337 Total 13,424 14,019 13,778 14,391 15,490 Accelerated NTB Drive focused acquisition of New-to-Bank clients in identified growth markets to scale the NTB portfolio and improve Business market share. # includes write off of 554 crore, excluding this Y-o-Y growth is 20% Defined Borrower Target mid-sized enterprises with turnover up to ₹500 crores, enabling structured sourcing of proposals ranging ….while creating a granular and diversified book Segment Focus f [Showing first 8,000 characters — download PDF for full document]