Investor Presentation

DEPT : SECRETARIAL REF. No. : SEC/ST.EX.STT/53/2026-27 DATE : July 16, 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 ended 30th June 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) Q1FY27 Rs. 104,368 Cr Rs. 36,048 Cr Rs. 125,817 Cr Rs. 124,306 Cr 32.98% Gross Advances Disbursements Deposits Retail Deposits CASA % Rs. 89,198 Cr Rs. 52,305 Cr Rs. 112,922 Cr Rs. 109,368 Cr 32.06% Large Scale of Operations Q1FY26 Q1FY27 Rs. 378 Cr 3.23% 1.05% 12.84% Net Interest Profit After Tax Return on Assets Return on Equity Margin Rs. 322Cr 3.03% 1.01% 12.41% Consistently Delivered Robust Q1FY26 Shareholder Returns Performance Highlights (2/2) Q1FY27 1.38% 0.26% 94.51% 81.40% 19.62% PCR PCR GNPA NNPA CRAR (incl. w/off) (excl. w/off) 3.15% 0.68% 88.82% 78.93% 19.48% Healthy Asset Quality Q1FY26 Q1FY27 953 9,323 26 / 4 98.7% Digital Branches Employees States / UTs Transactions 948 9,253 26 / 4 98.3% Multi-pronged distribution Q1FY26 ABOUT SOUTH INDIAN BANK – KEY HIGHLIGHTS SIB’s Strengths 1 Diversified loan book – focused on Retail, MSME and high-quality Corporate 2 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 6 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 Disbursements Cumulative for the quarter Rs. Cr Rs. Cr 17%* 1,04,368 1,00,274 1,80,023 96,764 92,286 1,44,777 89,198 1,05,025 52,305 36,048 Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 *includes technical write off of 1,163 crore, excluding this Y-o-Y growth is18%. Q1'FY26 Q2'FY26 Q3'FY26 Q4'FY26 Q1'FY27 With a diversified portfolio… Disbursements Vertical wise Rs. Cr Well diversified loan book with ~60% other than corporate Business Segment Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Corporate 45,383 43,922 29,871 23,889 28,612 Corporate R A M* Corporate R A M* Retail Loans (Incl. Gold) 5,496 6,513 7,864 9,007 5,873 42% 58% 40% 60% Agriculture (Excl. Gold) 290 340 339 440 372 B Segment (MSME)* 1,136 1,945 1,677 1,911 1,191 Grand Total 52,305 52,720 39,751 35,247 36,048 Q1’FY27 * Including LAP & Portfolio Buyout Q1’FY26 Rs 1,04,368 Cr Rs 89,198 Cr * Retail Agri and MSME Consistent growth momentum in business and retail advances continues… Business Segment Loans Gold Loans Personal Loans Rs. Cr Rs. Cr 14% 14,391 Rs. Cr 43% 24,930 9% 2,326 2,132 12,660 17,446 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Home Loans Auto Loans Mortgage Loans Rs. Cr Rs. Cr -11% R Rs s. . C Cr r 13% 8,518 2,497 5,856 19% 34% 7,584 2,217 2231 6,550 3,600 3,278 5,499 1,662 2,692 Total Book Excl. IBPC & DA Total Book Excl IBPC & DA Total Book Excl. IBPC & DA Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Includes IBPC and Portfolio Buyout (DA) 11 Consistent growth momentum in advances continues Consistent growth in Avg. Advances Rs. Cr 59% 99,738 98,011 92,544 82,197 83,495 86,061 84,945 86,876 80,387 78,449 74,693 71,016 72,379 69,235 67,353 62,625 63,877 Growth of 17% Q1FY23Q2FY23Q3FY23Q4FY23Q1FY24Q2FY24Q3FY24Q4FY24Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Q1FY27 .... with healthy loan disbursals Rs. Cr 52,305 52,720 45,700 43,390 40,698 39,751 35,247 36,048 33,482 29,233 22,106 21,349 22,342 17,835 12,535 13,534 10,863 Q1FY23Q2FY23Q3FY23Q4FY23Q1FY24Q2FY24Q3FY24Q4FY24Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Q1FY27 Dominant share of A & above rated corporate loans Corporate Loan Book Standard Large Corporate Advances (Rs. 100 Cr & Above) Rs. Cr Rs. Cr 28,336 41,704 Standard Large 25,629 Corporate Advances, 38,670 38,353 27% 37,110 37,008 Others, 73% Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Jun'26 High share of A & Above rated Large Corporate Loans** Standard Advance above Rs. 100 Cr (External Rating) Jun’26 < BBB & Unrated BBB A AA AAA 98.8 66.9% 67.4% 62.8% 61.6% 62.8% 3.1% 5.6% 4.0% 3.9% 3.9% 0.3% 26.6% 0.4% 27.1% 0.0% 31.5% 0.0% 33.6% 0.0% 33.0% 0.6% 1.1% 1.8% 0.9% 1.2% A & Above rated Large Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Corporate Loans **Does not include exposure to unrated state government owned entity MSME Loans comprise mainly of High-Yield Portfolio Focus on MSME loans… MSME S [Showing first 8,000 characters — download PDF for full document]