The South Indian Bank Limited has informed the Exchange about Investor Presentation
SOUTHBANK · price
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The South Indian Bank reported strong FY26 results with net profit of Rs. 1,455 crore, up 12% YoY. Total income stood at Rs. 5,447 crore. The bank achieved its best-ever asset quality metrics with GNPA at 1.43% and NNPA at 0.29%, while PCR improved to 94.10%. Gross advances grew 14% to Rs. 100,274 crore and deposits rose 15% to Rs. 123,346 crore. The bank is successfully shifting focus from corporate lending to MSME and retail, with MSME disbursements up 24% YoY and retail loans up 70% YoY. Digital transactions now account for 98.5% of total transactions. The transformation journey continues with ROA at 1.03% and ROE at 12.76%.
The bank demonstrates healthy financial performance with improving asset quality and successful business diversification toward higher-yield segments. However, NIM compression from 3.21% to 2.95% QoQ could pressure future earnings. The strong capital position (CRAR 19.66%) and low credit costs (0.03%) provide room for continued growth.