South Indian Bank Q1 FY27 earnings call transcript - outgoing MD's last call

Mgmt Guided Margin ImprovementMgmt Evaded Key QuestionInvestor Communications View source PDF

SOUTHBANK · price

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AI summary

South Indian Bank Q1 FY27 net profit rose 17% YoY to INR 378 crores. Net Interest Margin recovered to 3.23 percent, up 28 bps sequentially. Total deposits grew 11% to INR 125,817 crores while gross advances rose 17% to INR 104,368 crores. Gross NPA improved sharply to 1.38 percent from 3.15% YoY. RoA at 105 bps, RoE at 12.84%. CEO P.R. Seshadri confirmed this was his last call as he steps down. Management expects NIMs to harden further and RoA to migrate toward 120-125 bps.

Likely market impact

Strong quarter with improving asset quality and margin recovery; CEO transition is a key overhang for the stock.