The South Indian Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
SOUTHBANK · price
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On the reaction day the stock moved 0.8 pts less than Nifty Microcap 250 and in line with its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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South Indian Bank submitted its unaudited standalone and consolidated financial results for Q1FY26, approved by the Board on July 17, 2025. Standalone net profit rose to about Rs 321.95 crore from Rs 294.13 crore in Q1FY25, a year-on-year growth of roughly 9.5%. Total income grew to Rs 2,984 crore from Rs 2,736 crore. Operating profit before provisions jumped to Rs 672 crore from Rs 508 crore year-on-year. Asset quality improved meaningfully: Gross NPA fell to 2.80% from 3.20% in the previous quarter and 4.50% a year ago, while Net NPA dropped to 0.68% from 0.92% and 1.44%, respectively. Capital Adequacy Ratio under Basel III stood at around 16.95%. The Joint Statutory Central Auditors issued an unmodified (clean) limited review opinion on both standalone and consolidated results.
This is broadly positive for shareholders: stronger operating profit and a clear improvement in NPAs signal better asset quality and earnings momentum. The year-on-year profit growth of about 9.5% is modest, and the Capital Adequacy Ratio has dipped from 18.55% at FY25 year-end, so investors should watch the trend in capital. The change in one of the joint auditors (CNK & Associates LLP replaced by M.P. Chitale & Co) is a governance item worth noting.