South Indian Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

2,627.81

2,559.48

2,517.53

2,407.05

2,362.44

2,373.44

2,370.74

Income On Investments

448.21

471.92

497.60

456.06

363.90

386.48

404.10

Interest On Balances With Rbi Other Inter Bank Funds

63.62

43.55

48.30

61.15

56.29

39.35

46.40

Interest / Discount On Advances / Bills

2,108.25

2,036.31

1,963.00

1,874.94

1,882.66

1,914.21

1,895.39

Others

7.73

7.70

8.63

14.90

59.59

33.40

24.85

Other Income

379.49

385.94

485.93

515.73

621.89

572.37

409.22

Total Income

3,007.30

2,945.42

3,003.46

2,922.78

2,984.33

2,945.81

2,779.96

Interest Expended

1,603.09

1,644.15

1,636.85

1,598.27

1,529.87

1,505.11

1,501.48

Net Interest Income

1,024.72

915.33

880.68

808.78

832.57

868.33

869.26

Total Expenditure (Excl Depreciation)

812.41

719.99

782.28

788.95

782.26

757.39

749.64

Employee Cost

449.19

361.30

428.69

419.77

428.49

397.80

414.93

Other Operating Expenses

363.22

358.69

353.59

369.18

353.77

359.59

334.71

Operating Profit Before Provisions and Contingencies

591.80

581.28

584.33

535.56

672.20

683.31

528.84

Exceptional Items

0.00

Provisions and contingencies

84.34

34.39

80.41

63.27

239.26

224.19

66.04

Profit Before Tax

507.46

546.89

503.92

472.29

432.94

459.12

462.80

Tax

129.83

139.39

129.60

120.92

110.99

116.93

120.93

Profit After Tax

377.63

407.50

374.32

351.37

321.95

342.19

341.87

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

377.63

407.50

374.32

351.37

321.95

342.19

341.87

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

1.44

1.56

1.43

1.34

1.23

1.31

Diluted Earnings per share

1.44

1.55

1.43

1.34

1.23

1.31

Operating Profit Margin (Excl OI)

65.87%

70.53%

65.73%

64.59%

56.76%

58.64%

65.59%

Gross Profit Margin

19.31%

21.37%

20.02%

19.62%

18.33%

19.34%

19.52%

PAT Margin

14.37%

15.92%

14.87%

14.6%

13.63%

14.42%

Net Interest Margin

3.23%

2.95%

2.86%

2.8%

3.03%

3.21%

3.19%

Return on Assets

0.0%

CASA (%)

32.98%

32.12%

31.84%

31.86%

32.06%

31.37%

31.15%

CASA Amount

41,496.00

39,621.00

37,640.00

36,841.00

36,204.00

33,729.00

32,830.00

Capital Adequacy Ratio (Total)

19.62%

19.66%

17.84%

17.7%

19.48%

19.31%

18.0%

Capital Adequacy Ratio (Tier 1)

18.93%

18.76%

16.88%

16.79%

18.25%

17.98%

16.68%

Provision Coverage Ratio (%)

94.51%

94.1%

91.57%

90.25%

88.82%

85.03%

81.07%

Amount of Gross NPAs

1,437.67

1,430.50

2,581.50

2,703.47

2,806.57

2,799.83

3,735.56

Amount of Net NPAs

267.47

287.93

425.90

505.82

591.38

790.52

1,056.11

% of Net NPAs

0.26%

0.29%

0.45%

0.56%

0.68%

0.92%

1.25%

% of Gross NPAs

1.38%

1.43%

2.67%

2.93%

3.15%

3.2%

4.3%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1274.0

1273.0

1269.0

1274.0

1280.0

Number of Branches

953.0

948.0

950.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 2.67% vs 1.67% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is -7.33% vs 8.86% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 1.81% vs -0.52% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.03% vs -0.16% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.05% vs -1.24% in Mar 2026

Compare Quarterly Results Of South Ind.Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,627.81

1,662.43

965.38

58.07%

Income On Investments

448.21

277.80

170.41

61.34%

Interest On Balances With Rbi Other Inter Bank Funds

63.62

12.88

50.74

393.94%

Interest / Discount On Advances / Bills

2,108.25

1,371.59

736.66

53.71%

Others

7.73

0.16

7.57

4731.25%

Other Income

379.49

238.36

141.13

59.21%

Total Income

3,007.30

1,900.79

1,106.51

58.21%

Interest Expended

1,603.09

897.35

705.74

78.65%

Net Interest Income

1,024.72

765.08

259.64

33.94%

Total Expenditure (Excl Depreciation)

812.41

392.37

420.04

107.05%

Employee Cost

449.19

209.24

239.95

114.68%

Other Operating Expenses

363.22

183.13

180.09

98.34%

Operating Profit Before Provisions and Contingencies

591.80

611.07

-19.27

-3.15%

Exceptional Items

0.00

Provisions and contingencies

84.34

53.93

30.41

56.39%

Profit Before Tax

507.46

557.14

-49.68

-8.92%

Tax

129.83

145.63

-15.80

-10.85%

Profit After Tax

377.63

411.51

-33.88

-8.23%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

377.63

411.51

-33.88

-8.23%

Face Value

1.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.44

25.99

-24.55

-94.46%

Diluted Earnings per share

1.44

25.99

-24.55

-94.46%

Operating Profit Margin (Excl OI)

65.87%

73.15%

0.00

-7.28%

Gross Profit Margin

19.31%

33.51%

0.00

-14.20%

PAT Margin

14.37%

24.75%

0.00

-10.38%

Net Interest Margin

3.23%

4.29%

-1.06

-1.06%

Return on Assets

0.00%

2.14%

-2.14

-2.14%

CASA (%)

32.98%

26.16%

6.82

6.82%

CASA Amount

41,496.00

0.00

41,496.00

Capital Adequacy Ratio (Total)

19.62%

32.33%

-12.71

-12.71%

Capital Adequacy Ratio (Tier 1)

18.93%

31.30%

-12.37

-12.37%

Provision Coverage Ratio (%)

94.51%

96.04%

-1.53

-1.53%

Amount of Gross NPAs

1,437.67

398.08

1,039.59

261.15%

Amount of Net NPAs

267.47

98.00

169.47

172.93%

% of Net NPAs

0.26%

0.17%

0.09

0.09%

% of Gross NPAs

1.38%

0.69%

0.69

0.69%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,274.00

0.00

1,274.00

Number of Branches

953.00

628.00

325.00

51.75%

Quarterly - Interest Earned

Interest Earned 2627.81 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 2.67% vs 1.67% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 11.23% vs 2.08% in Jun 2025

Quarterly - Net Profit

Net Profit 377.63 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -7.33% vs 8.86% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 17.29% vs 9.46% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 591.80 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 1.81% vs -0.52% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -11.96% vs 32.41% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.26%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.03% vs -0.16% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.42% vs -0.76% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 1.38%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.05% vs -1.24% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -1.77% vs -1.35% in Jun 2025