Nine Monthly Results Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
7,287.02
7,039.87
6,338.13
5,260.22
4,951.11
5,597.68
5,816.13
Income On Investments
1,317.56
1,205.57
1,144.52
941.55
766.35
993.02
1,043.39
Interest On Balances With Rbi Other Inter Bank Funds
165.74
127.88
66.41
113.07
258.18
32.41
32.95
Interest / Discount On Advances / Bills
5,720.60
5,614.87
5,070.05
4,122.84
3,814.94
4,430.82
4,614.10
Others
83.12
91.55
57.15
82.76
111.64
141.43
125.69
Other Income
1,623.55
1,241.06
1,169.49
467.26
830.15
825.07
651.54
Total Income
8,910.57
8,280.93
7,507.62
5,727.48
5,781.26
6,422.75
6,467.67
Interest Expended
4,764.99
4,422.56
3,880.75
3,105.32
3,309.09
3,751.29
4,094.39
Net Interest Income
2,522.03
2,617.31
2,457.38
2,154.90
1,642.02
1,846.39
1,721.74
Total Expenditure (Excl Depreciation)
2,353.49
2,271.60
2,192.74
1,676.38
1,512.54
1,446.28
1,261.06
Employee Cost
1,268.88
1,254.90
1,280.18
971.12
913.85
916.79
696.34
Other Operating Expenses
1,084.61
1,016.70
912.56
705.26
598.69
529.49
564.72
Operating Profit Before Provisions and Contingencies
1,792.09
1,586.77
1,434.13
945.78
959.63
1,225.18
1,112.22
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
382.94
289.00
298.30
360.13
1,261.85
1,149.03
772.29
Profit Before Tax
1,409.15
1,297.77
1,135.83
585.65
-302.22
76.15
339.93
Tax
361.51
337.08
353.31
144.45
-75.16
21.03
91.65
Profit After Tax
1,047.64
960.69
782.52
441.20
-227.06
55.12
248.28
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
1,047.64
960.69
782.52
441.20
-227.06
55.12
248.28
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit Margin (Excl OI)
67.7%
67.73%
65.4%
68.13%
69.45%
74.16%
78.32%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
14.38%
13.65%
12.35%
8.39%
-4.59%
0.98%
4.27%
Net Interest Margin
2.86%
3.19%
3.19%
3.52%
2.64%
2.64%
2.72%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
31.84%
31.15%
31.8%
33.81%
32.0%
27.93%
25.2%
CASA Amount
37,640.00
32,830.00
31,529.00
30,660.00
28,229.00
23,332.00
21,422.00
Capital Adequacy Ratio (Total)
17.84%
18.0%
15.6%
16.25%
15.68%
14.47%
12.02%
Capital Adequacy Ratio (Tier 1)
16.88%
16.68%
13.37%
13.71%
12.72%
11.6%
9.6%
Provision Coverage Ratio (%)
91.57%
81.07%
77.97%
74.51%
68.1%
72.0%
50.4%
Amount of Gross NPAs
2,581.50
3,735.56
3,682.40
3,843.57
3,883.01
3,103.45
3,243.69
Amount of Net NPAs
425.90
1,056.11
1,212.34
1,529.90
2,018.75
1,305.03
2,211.88
% of Net NPAs
0.45%
1.25%
1.61%
2.26%
3.52%
2.12%
3.44%
% of Gross NPAs
2.67%
4.3%
4.74%
5.48%
6.56%
4.9%
4.96%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1269.0
1280.0
1315.0
1277.0
1293.0
1443.0
1401.0
Number of Branches
948.0
950.0
948.0
928.0
925.0
877.0
923.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2025 is 3.51% vs 11.07% in Dec 2024
Net Profit
YoY Growth in nine months ended Dec 2025 is 9.05% vs 22.77% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2025 is 12.94% vs 10.64% in Dec 2024
% of Net NPAs
YoY Growth in nine months ended Dec 2025 is -0.80% vs -0.36% in Dec 2024
% of Gross NPAs
YoY Growth in nine months ended Dec 2025 is -1.63% vs -0.44% in Dec 2024
Compare Nine Monthly Results Of South Ind.Bank With
Figures in Cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
7,287.02
9,873.53
-2,586.51
-26.2%
Income On Investments
1,317.56
2,236.26
-918.70
-41.08%
Interest On Balances With Rbi Other Inter Bank Funds
165.74
44.10
121.64
275.83%
Interest / Discount On Advances / Bills
5,720.60
7,256.14
-1,535.54
-21.16%
Others
83.12
337.03
-253.91
-75.34%
Other Income
1,623.55
683.10
940.45
137.67%
Total Income
8,910.57
10,556.63
-1,646.06
-15.59%
Interest Expended
4,764.99
5,485.23
-720.24
-13.13%
Net Interest Income
2,522.03
4,388.30
-1,866.27
-42.53%
Total Expenditure (Excl Depreciation)
2,353.49
2,995.69
-642.20
-21.44%
Employee Cost
1,268.88
1,965.51
-696.63
-35.44%
Other Operating Expenses
1,084.61
1,030.18
54.43
5.28%
Operating Profit Before Provisions and Contingencies
1,792.09
2,075.71
-283.62
-13.66%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
382.94
-21.65
404.59
1868.78%
Profit Before Tax
1,409.15
2,097.36
-688.21
-32.81%
Tax
361.51
531.68
-170.17
-32.01%
Profit After Tax
1,047.64
1,565.68
-518.04
-33.09%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
1,047.64
1,565.68
-518.04
-33.09%
Face Value
1.00
1.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
14.38%
15.86%
0.00
-1.48%
Net Interest Margin
2.86%
3.62%
-0.76
-0.76%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
31.84%
44.10%
-12.26
-12.26%
CASA Amount
37,640.00
68,736.00
-31,096.00
-45.24%
Capital Adequacy Ratio (Total)
17.84%
15.00%
2.84
2.84%
Capital Adequacy Ratio (Tier 1)
16.88%
12.77%
4.11
4.11%
Provision Coverage Ratio (%)
91.57%
90.46%
1.11
1.11%
Amount of Gross NPAs
2,581.50
3,487.12
-905.62
-25.97%
Amount of Net NPAs
425.90
776.36
-350.46
-45.14%
% of Net NPAs
0.45%
0.68%
-0.23
-0.23%
% of Gross NPAs
2.67%
3.00%
-0.33
-0.33%
Public Share Holdings (%)
0.00%
40.60%
-40.60
-40.60%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,269.00
1,436.00
-167.00
-11.63%
Number of Branches
948.00
1,017.00
-69.00
-6.78%
Nine Monthly - Interest Earned
Interest Earned 7287.02 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 3.51% vs 11.07% in Dec 2024
Nine Monthly - Net Profit
Net Profit 1,047.64 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 9.05% vs 22.77% in Dec 2024
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,792.09 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 12.94% vs 10.64% in Dec 2024
Nine Monthly - % of Net NPAs
% of Net NPAs 0.45%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.80% vs -0.36% in Dec 2024
Nine Monthly - % of Gross NPAs
% of Gross NPAs 2.67%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -1.63% vs -0.44% in Dec 2024
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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