The South Indian Bank, 532218, SOUTHBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

7,653.89
5.75
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

6,856.66
1.37%
0.74

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

21.97
-45.19
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

14.61
83.92
18.90

PAT CAGR (%)

10 Years
5 Years
3 Years

0.67
0.69

P:E (Median)

8 Years
5 Years
3 Years

5.77
5.77
5.72

P:BV (Average)

8 Years
5 Years
3 Years

0.67
0.67
0.69

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.91
2.91
3.03

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 2,362.44 2,314.41 2.08% 2,373.44 2,274.67 4.34% 2,370.74 2,184.09 8.55% 2,354.72 2,129.00 10.60%
Interest Exp. 1,529.87 1,448.64 5.61% 1,505.11 1,400.00 7.51% 1,501.48 1,365.06 9.99% 1,472.44 1,298.42 13.40%
Net Interest Income 832.57 865.77 -3.83% 868.33 874.67 -0.72% 869.26 819.03 6.13% 882.28 830.58 6.22%
NIM 3.03 3.26 -7.06% 3.21 3.38 -5.03% 3.19 3.19 0.00% 3.34 3.31 0.91%
Other Income 621.89 421.72 47.47% 572.37 346.03 65.41% 447.22 452.41 -1.15% 449.47 355.77 26.34%
Total Income 2,984.33 2,736.13 9.07% 2,945.81 2,620.70 12.41% 2,817.96 2,636.50 6.88% 2,804.19 2,484.77 12.86%
Operating Exp. 782.26 779.81 0.31% 757.39 787.16 -3.78% 787.64 787.99 -0.04% 781.50 725.91 7.66%
Operating Profit 672.20 507.68 32.41% 683.31 433.54 57.61% 528.84 483.45 9.39% 550.25 460.44 19.51%
Provision 239.26 112.95 111.83% 224.19 40.62 451.92% 66.04 48.55 36.02% 110.01 51.25 114.65%
PBT 432.94 394.73 9.68% 459.12 392.92 16.85% 462.80 434.90 6.42% 440.24 409.19 7.59%
PBTM 18.33 17.06 7.44% 19.34 17.27 11.99% 19.52 19.91 -1.96% 18.70 19.22 -2.71%
TAX 110.99 100.60 10.33% 116.93 105.36 10.98% 120.93 129.54 -6.65% 115.55 134.38 -14.01%
PAT 321.95 294.13 9.46% 342.19 287.56 19.00% 341.87 305.36 11.96% 324.69 274.81 18.15%
PATM 13.63% 12.71% 14.42% 12.64% 14.42% 13.98% 13.79% 12.91%
EPS 1.23 1.12 9.82% 1.31 1.10 19.09% 1.31 1.34 -2.24% 1.24 1.21 2.48%
Gross NPA 2,806.57 3,719.87 -24.55% 2,799.83 3,620.34 -22.66% 3,735.56 3,682.40 1.44% 3,731.31 3,713.87 0.47%
Gross NPA% 3.15 4.50 -30.00% 3.20 4.50 -28.89% 4.30 4.74 -9.28% 4.40 4.96 -11.29%
Net NPA 591.38 1,151.46 -48.64% 790.52 1,134.58 -30.32% 1,056.11 1,212.34 -12.89% 1,073.10 1,234.00 -13.04%
Net NPA% 0.68 1.44 -52.78% 0.92 1.46 -36.99% 1.25 1.61 -22.36% 1.31 1.70 -22.94%
CASA 32.06 32.06 0.00% 31.37 32.08 -2.21% 31.15 31.80 -2.04% 31.80 32.03 -0.72%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 2,362.44 2,314.41 2.08% 2,373.44 2,274.67 4.34% 2,370.74 2,184.09 8.55% 2,354.72 2,129.00 10.60%
Interest Exp. 1,529.87 1,448.64 5.61% 1,505.11 1,400.00 7.51% 1,501.48 1,365.06 9.99% 1,472.44 1,298.42 13.40%
Net Interest Income 832.57 865.77 -3.83% 868.33 874.67 -0.72% 869.26 819.03 6.13% 882.28 830.58 6.22%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 621.69 421.55 47.48% 572.33 345.88 65.47% 447.10 452.14 -1.11% 449.35 355.48 26.41%
Total Income 2,984.13 2,735.96 9.07% 2,945.77 2,620.55 12.41% 2,817.84 2,636.23 6.89% 2,804.07 2,484.48 12.86%
Operating Exp. 781.76 779.87 0.24% 757.22 787.34 -3.83% 787.34 787.68 -0.04% 781.28 725.49 7.69%
Operating Profit 672.50 507.45 32.53% 683.44 433.21 57.76% 529.02 483.49 9.42% 550.35 460.57 19.49%
Provision 239.26 112.95 111.83% 224.19 40.62 451.92% 66.09 48.54 36.16% 110.01 51.26 114.61%
PBT 433.24 394.50 9.82% 459.25 392.59 16.98% 462.93 434.95 6.43% 440.34 409.31 7.58%
PBTM 18.34 17.05 7.57% 19.35 17.26 12.11% 19.53 19.91 -1.91% 18.70 19.23 -2.76%
TAX 111.07 100.60 10.41% 116.84 105.26 11.00% 120.93 129.57 -6.67% 115.55 134.42 -14.04%
PAT 322.17 293.90 9.62% 342.41 287.33 19.17% 342.00 305.38 11.99% 324.79 274.89 18.15%
PATM 13.64% 12.70% 14.43% 12.63% 14.43% 13.98% 13.79% 12.91%
EPS 1.23 1.12 9.82% 1.31 1.10 19.09% 1.31 1.17 11.97% 1.24 1.05 18.10%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 3,452.44 3,485.64 3,332.06 3,012.08 2,239.76 2,406.90 2,317.50 2,019.70 1,965.52 1,675.43 1,509.70 Interest Earned 9,461.34 9,413.31 8,612.81 7,233.18 6,586.54 7,305.44 7,763.80 6,876.52 6,192.81 5,847.08 5,557.20 Interest Expended 6,008.90 5,927.67 5,280.75 4,221.10 4,346.78 4,898.54 5,446.30 4,856.82 4,227.29 4,171.65 4,047.50 Int. income Growth 1.84% 4.61% 10.62% 34.48% -6.94% 3.86% 14.74% 2.76% 17.31% 10.98% Other Income 2,090.95 1,813.43 1,515.52 812.63 1,034.10 1,229.17 1,045.75 726.21 837.24 715.56 517.42 Total Income 11,552.29 5,299.07 4,847.58 3,824.71 3,273.86 3,636.07 3,363.25 2,745.91 2,802.76 2,390.99 2,027.12 Total Expenditure 3,108.79 3,440.39 3,228.47 2,490.76 3,281.83 3,466.76 3,136.00 2,295.77 2,239.14 1,725.39 1,450.43 Employee Cost - 1,652.70 1,692.85 1,300.36 1,197.89 1,234.49 941.35 821.43 713.22 676.52 692.25 % Of Sales - 17.56% 19.66% 17.98% 18.19% 16.90% 12.12% 11.95% 11.52% 11.57% 12.46% Opt. & Establishment Exp. - 1,478.06 1,377.41 1,104.50 912.42 822.63 853.96 755.14 672.48 565.26 522.63 % Of Sales - 15.70% 15.99% 15.27% 13.85% 11.26% 11.00% 10.98% 10.86% 9.67% 9.40% Provisions - 513.19 338.91 260.86 1,339.56 1,574.94 1,496.09 858.48 980.90 614.37 369.61 % Of Sales - 5.45% 3.93% 3.61% 20.34% 21.56% 19.27% 12.48% 15.84% 10.51% 6.65% EBITDA 2,434.60 1,858.68 1,619.11 1,333.95 -7.97 169.31 227.25 450.14 563.62 665.60 576.69 EBITDA Margin 67.14% 53.32% 48.59% 44.29% -0.36% 7.03% 9.81% 22.29% 28.68% 39.73% 38.20% Depreciation 0.00 101.78 90.35 87.48 84.02 82.65 77.70 69.64 63.73 65.38 67.03 PBT 1,795.10 1,756.90 1,528.75 1,246.47 -91.99 86.66 149.55 380.50 499.89 600.22 509.67 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 464.40 454.01 458.67 471.38 -136.97 24.75 44.96 132.97 165.00 207.72 176.40 Tax Rate 25.87% 25.84% 30.00% 37.82% 148.90% 28.56% 30.06% 34.95% 33.01% 34.61% 34.61% PAT 1,330.70 1,302.89 1,070.08 775.09 44.98 61.91 104.59 247.53 334.89 392.50 333.27 PAT before Minority Interest 1,330.70 1,302.89 1,070.08 775.09 44.98 61.91 104.59 247.53 334.89 392.50 333.27 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 24.01% 24.59% 22.07% 20.27% 1.37% 1.70% 3.11% 9.01% 11.95% 16.42% 16.44% PAT Growth 14.53% 21.76% 38.06% 1623.19% -27.35% -40.81% -57.75% -26.09% -14.68% 17.77% EPS 5.09 4.98 4.09 2.96 0.17 0.24 0.40 0.95 1.28 1.50 1.27

Description TTM Mar 25 Mar 24 Mar 23 Mar 22
Net Interest Income 3,452.44 3,485.64 3,332.06 3,012.08 2,239.76 Interest Earned 9,461.34 9,413.31 8,612.81 7,233.18 6,586.54 Interest Expended 6,008.90 5,927.67 5,280.75 4,221.10 4,346.78 Int. income Growth 1.84% 4.61% 10.62% 34.48% Other Income 2,090.47 1,812.98 1,514.52 811.37 1,033.90 Total Income 11,551.81 5,298.62 4,846.58 3,823.45 3,273.66 Total Expenditure 3,107.60 3,439.78 3,227.37 2,489.20 3,281.86 Employee Cost - 1,671.16 1,705.25 1,308.03 1,198.29 % Of Sales - 17.75% 19.80% 18.08% 18.19% Opt. & Establishment Exp. - 1,458.98 1,363.87 1,095.29 912.05 % Of Sales - 15.50% 15.84% 15.14% 13.85% Provisions - 513.20 338.95 260.86 1,339.56 % Of Sales - 5.45% 3.94% 3.61% 20.34% EBITDA 2,435.31 1,858.84 1,619.21 1,334.25 -8.20 EBITDA Margin 67.15% 53.33% 48.59% 44.30% -0.37% Depreciation 0.00 101.78 90.35 87.49 84.02 PBT 1,795.76 1,757.06 1,528.87 1,246.76 -92.22 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 Provision for Tax 464.39 453.97 458.67 471.45 -137.03 Tax Rate 25.86% 25.84% 30.00% 37.81% 148.59% PAT 1,331.37 1,303.09 1,070.20 775.31 44.81 PAT before Minority Interest 1,331.37 1,303.09 1,070.20 775.31 44.81 Minority Interest 0.00 0.00 0.00 0.00 0.00 PAT Margin 24.02% 24.59% 22.08% 20.28% 1.37% PAT Growth 14.63% 21.76% 38.04% 1630.22% EPS 5.09 4.98 4.09 2.96 0.17

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 10,107.66 8,826.18 6,674.69 5,854.42 5,809.24 5,477.35 5,337.07 5,243.17 4,848.49 3,845.58 Share Capital 261.63 261.59 209.27 209.27 209.27 180.97 180.97 180.88 180.28 135.03 Total Reserves 9,838.29 8,561.95 6,465.31 5,643.86 5,597.89 5,293.83 5,154.36 5,060.34 4,665.19 3,706.90 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,07,525.60 1,01,920.26 91,651.35 89,142.11 82,710.55 83,033.89 80,420.12 72,029.59 66,117.49 55,720.73 Borrowings 4,300.48 3,912.09 6,993.85 3,294.49 4,108.27 6,893.23 4,903.20 4,043.38 1,957.76 2,614.96 Other Liabilities & Provisions 2,721.38 2,754.25 2,378.29 1,761.40 1,521.11 1,628.43 1,618.82 1,369.73 1,388.42 1,293.61 Total Liabilities 1,24,655.12 1,17,412.78 1,07,698.18 1,00,052.42 94,149.17 97,032.90 92,279.21 82,685.87 74,312.16 63,474.88 Net Block 1,018.29 966.48 753.92 752.01 754.66 775.81 676.79 642.22 618.13 466.83 Gross Block 1,815.83 1,736.22 1,467.88 1,416.96 1,352.28 1,318.65 1,151.93 1,051.21 968.40 765.26 Accumulated Depreciation 797.54 769.74 713.96 664.95 597.62 542.84 475.13 408.99 350.28 298.43 Total Non-Current Assets 1,20,737.63 1,13,026.33 1,02,404.65 93,452.89 87,940.60 90,054.55 87,306.54 77,827.80 70,362.96 59,591.14 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 124.00 59.05 40.50 24.24 31.87 38.56 37.97 20.16 Cash and balance with RBI 5,097.70 6,659.70 4,639.22 7,276.61 3,304.71 2,805.98 3,661.82 3,258.24 3,077.98 2,476.13 Balance with banks and money at call 7,162.39 3,362.48 2,441.27 3,926.82 5,463.17 1,383.78 1,160.94 962.81 809.74 798.34 Investments 21,777.18 23,977.02 24,641.80 21,445.01 20,321.08 20,625.27 19,081.38 18,363.08 19,429.67 14,743.93 Advances 85,682.07 78,060.65 69,804.44 59,993.39 58,056.48 64,439.47 62,693.74 54,562.89 46,389.47 41,085.75 Other Assets 3,917.48 4,386.47 5,293.53 6,599.54 6,208.57 6,978.35 4,972.68 4,858.08 3,949.19 3,883.74 Total Assets 1,24,655.11 1,17,412.80 1,07,698.18 1,00,052.43 94,149.17 97,032.90 92,279.22 82,685.88 74,312.15 63,474.88 Contingent Liabilities 17,414.44 31,467.84 25,891.24 33,764.70 10,875.13 10,752.76 9,669.37 11,507.65 7,214.25 14,749.74 Bills for collection 2,163.97 2,198.63 2,057.79 1,752.96 1,758.19 1,780.09 1,436.09 1,192.87 980.10 620.52 Adjusted Book Value 38.60 33.73 29.30 27.97 27.75 28.48 28.16 27.65 25.52 24.85

Description Mar 25 Mar 24 Mar 23 Mar 22
Shareholder's Funds 10,108.03 8,826.34 6,674.74 5,854.25 Share Capital 261.63 261.59 209.27 209.27 Total Reserves 9,838.65 8,562.10 6,465.35 5,643.69 Minority Interest 0.00 0.00 0.00 0.00 Deposits 1,07,522.22 1,01,919.11 91,650.07 89,141.74 Borrowings 4,300.48 3,912.09 6,993.85 3,294.49 Other Liabilities & Provisions 2,724.34 2,754.94 2,378.51 1,761.38 Total Liabilities 1,24,655.07 1,17,412.48 1,07,697.17 1,00,051.86 Net Block 1,018.30 966.49 753.93 752.02 Gross Block 1,815.85 1,736.24 1,467.90 1,416.98 Accumulated Depreciation 797.55 769.76 713.97 664.96 Total Non-Current Assets 1,20,737.14 1,13,025.84 1,02,404.16 93,452.40 Lease Adjustment A/c 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 124.00 59.05 Cash and balance with RBI 5,097.70 6,659.70 4,639.22 7,276.61 Balance with banks and money at call 7,162.39 3,362.48 2,441.27 3,926.82 Investments 21,776.68 23,976.52 24,641.30 21,444.51 Advances 85,682.07 78,060.65 69,804.44 59,993.39 Other Assets 3,917.92 4,386.65 5,293.00 6,599.47 Total Assets 1,24,655.06 1,17,412.49 1,07,697.16 1,00,051.87 Contingent Liabilities 17,414.44 31,467.84 25,891.24 33,764.70 Bills for collection 2,163.97 2,198.63 2,057.79 1,752.96 Adjusted Book Value 38.61 33.73 29.30 27.97

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -2,352.95 7,075.21 -7,260.82 5,165.32 5,808.41 656.00 1,677.92 792.86 1,956.58 109.36 PBT 1,756.89 1,528.75 1,108.21 -91.99 61.91 104.59 247.53 334.89 392.50 333.27 Adjustment 962.52 804.12 1,409.19 2,119.79 1,928.80 1,817.56 1,226.24 1,324.10 968.18 668.49 Adjustments for Liabilities & Assets -4,730.68 5,292.52 -9,559.57 3,177.08 3,719.79 -1,137.65 341.29 -749.31 908.56 -654.58 Refund/(Payment) of direct taxes -341.69 -550.19 -218.64 -39.57 97.90 -128.50 -137.13 -116.82 -312.67 -237.82 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity 4,434.03 -1,985.91 -386.06 -1,740.58 -1,092.20 -1,577.49 -1,174.53 -823.77 -1,841.53 -1,397.87 Net Fixed Assets -79.61 -144.34 -115.87 -83.23 -49.89 -159.09 -94.03 -83.40 -220.95 -66.36 Other Investment Activity -3801.74 -2122.28 -3332.46 -2568.21 -2970.27 -2517.42 -2007.57 -2931.30 -2404.24 -958.03 Cash from Financing Activity 156.85 -2,147.61 3,523.93 -989.19 -138.09 288.50 98.31 364.25 498.20 167.90 Closing Cash & Equivalent 12,260.10 10,022.18 7,080.49 11,203.43 8,767.88 4,189.76 4,822.75 4,221.05 3,887.72 3,274.47 Net Cash Inflow / Outflow 2,237.92 2,941.69 -4,122.94 2,435.55 4,578.12 -632.99 601.71 333.33 613.25 -1,120.61 Opening Cash & Equivalents 10,022.18 7,080.49 11,203.43 8,767.88 4,189.76 4,822.75 4,221.05 3,887.72 3,274.47 4,395.08

Description Mar 25 Mar 24 Mar 23 Mar 22
Cash From Operating Activity -2,352.95 7,075.21 -7,260.82 5,165.34 PBT 1,757.07 1,528.90 1,108.50 -92.22 Adjustment 962.76 804.12 1,409.19 2,119.80 Adjustments for Liabilities & Assets -4,730.95 5,292.40 -9,559.58 3,177.33 Refund/(Payment) of direct taxes -341.83 -550.22 -218.93 -39.57 Other Direct Payments 0.00 0.00 0.00 0.00 Cash From Investing Activity 4,434.02 -1,985.91 -386.06 -1,740.60 Net Fixed Assets -79.61 -144.34 -115.87 Other Investment Activity -3801.74 -2122.28 -3332.48 Cash from Financing Activity 156.85 -2,147.61 3,523.93 -989.19 Closing Cash & Equivalent 12,260.10 10,022.18 7,080.49 11,203.43 Net Cash Inflow / Outflow 2,237.92 2,941.69 -4,122.94 2,435.55 Opening Cash & Equivalents 10,022.18 7,080.49 11,203.43 8,767.88

Financial Ratios

Standalone /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 38.60 33.73 29.30 27.97 27.75 28.48 28.16 27.65 25.52 24.85 NIM 2.91 2.97 2.97 2.42 2.76 2.60 2.33 2.55 2.40 2.55 Yield on Advances 10.99 11.03 10.36 10.98 12.58 12.05 10.97 11.35 12.60 13.53 Yield on Investments 8.33 7.80 3.74 5.16 8.72 8.64 7.37 7.89 7.65 7.76 Cost of Liabilities 5.30 4.99 4.28 4.70 5.64 6.06 5.69 5.56 6.13 6.94 Interest Spread 5.69 6.04 6.08 6.28 6.94 5.99 5.28 5.79 6.48 6.59 ROCE 14.73% 14.36% 14.15% 2.02% 4.66% 4.81% 7.04% 8.81% 12.35% 11.88% Cost Income Ratio 57.16 61.47 60.59 61.89 54.30 51.07 54.88 47.17 49.20 56.62 Core Cost Income Ratio 59.66 65.78 55.32 63.17 62.23 57.77 57.38 50.40 55.01 60.71 Operating Costs to Assets 2.43 2.54 2.15 2.03 2.10 1.77 1.63 1.60 1.58 1.81 Loans/Deposits 0.04 0.04 0.08 0.04 0.05 0.08 0.06 0.06 0.03 0.05 Cash/Deposits 0.05 0.07 0.05 0.08 0.04 0.03 0.05 0.05 0.05 0.04 Investment/Deposits 0.20 0.24 0.27 0.24 0.25 0.25 0.24 0.25 0.29 0.26 Inc Loan/Deposits 4.00% 3.84% 7.63% 3.70% 4.97% 8.30% 6.10% 5.61% 2.96% 4.69% Credit Deposits 79.69% 76.59% 76.16% 67.30% 70.19% 77.61% 77.96% 75.75% 70.16% 73.74% Interest Expended / Interest earned 62.97% 61.31% 58.36% 65.99% 67.05% 70.15% 70.63% 68.26% 71.35% 72.83% Interest income / Total funds 7.55% 7.34% 6.72% 6.58% 7.76% 8.00% 7.45% 7.49% 7.87% 8.75% Interest Expended / Total funds 4.76% 4.50% 3.92% 4.34% 5.20% 5.61% 5.26% 5.11% 5.61% 6.38% CASA 31.37% 32.08% 32.98% 33.21% 29.73% 25.00% 24.21% 23.80% 23.82% 22.36%

Description Mar 25 Mar 24 Mar 23 Mar 22
Book Value 38.61 33.73 29.30 27.97 NIM 2.91 2.97 2.97 2.42 Yield on Advances 10.99 11.03 10.36 10.98 Yield on Investments 8.33 7.80 3.74 5.16 Cost of Liabilities 5.30 4.99 4.28 4.70 Interest Spread 5.69 6.04 6.08 6.28 ROCE 14.73% 14.36% 14.15% 2.10% Cost Income Ratio 57.15 61.46 60.57 61.90 Core Cost Income Ratio 59.65 65.77 55.30 63.17 Operating Costs to Assets 2.43 2.54 2.15 2.03 Loans/Deposits 0.04 0.04 0.08 0.04 Cash/Deposits 0.05 0.07 0.05 0.08 Investment/Deposits 0.20 0.24 0.27 0.24 Inc Loan/Deposits 4.00% 3.84% 7.63% 3.70% Credit Deposits 79.69% 76.59% 76.16% 67.30% Interest Expended / Interest earned 62.97% 61.31% 58.36% 65.99% Interest income / Total funds 7.55% 7.34% 6.72% 6.58% Interest Expended / Total funds 4.76% 4.50% 3.92% 4.34% CASA 31.37% 32.08% 32.98% 33.21%

Top Investors:

bandhan small cap fund

yusuffali musaliam veettil abdul kader .

kotak mahindra trustee co ltd a/c kotak multicap fund

swedbank robur global emerging markets

acacia banyan partners

investor education and protection fund (iepf)

llp

Annual Reports:

News Update:

South Indian Bank reports 10% jump in Q1 consolidated net profit
17th Jul 2025, 16:15 PM

Total consolidated income of the bank increased by 9.07% at Rs 2984.13 crore for Q1FY26
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South Indian Bank - Quarterly Results
17th Jul 2025, 13:34 PM

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The South Indian Bank Ltd.

Bank - Private

BSE: 532218 | NSE: SOUTHBANK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update:

The South Indian Bank Ltd.

Bank - Private

BSE: 532218 | NSE: SOUTHBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update: