South Indian Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

2,559.48

2,517.53

2,407.05

2,362.44

2,373.44

2,370.74

2,354.72

Income On Investments

471.92

497.60

456.06

363.90

386.48

404.10

393.41

Interest On Balances With Rbi Other Inter Bank Funds

43.55

48.30

61.15

56.29

39.35

46.40

52.01

Interest / Discount On Advances / Bills

2,036.31

1,963.00

1,874.94

1,882.66

1,914.21

1,895.39

1,878.03

Others

7.70

8.63

14.90

59.59

33.40

24.85

31.27

Other Income

385.94

485.93

515.73

621.89

572.37

409.22

410.12

Total Income

2,945.42

3,003.46

2,922.78

2,984.33

2,945.81

2,779.96

2,764.84

Interest Expended

1,644.15

1,636.85

1,598.27

1,529.87

1,505.11

1,501.48

1,472.44

Net Interest Income

915.33

880.68

808.78

832.57

868.33

869.26

882.28

Total Expenditure (Excl Depreciation)

719.99

782.28

788.95

782.26

757.39

749.64

742.15

Employee Cost

351.82

428.69

419.77

420.42

397.80

414.93

421.30

Other Operating Expenses

368.17

353.59

369.18

361.84

359.59

334.71

320.85

Operating Profit Before Provisions and Contingencies

581.28

584.33

535.56

672.20

683.31

528.84

550.25

Exceptional Items

0.00

Provisions and contingencies

34.39

80.41

63.27

239.26

224.19

66.04

110.01

Profit Before Tax

546.89

503.92

472.29

432.94

459.12

462.80

440.24

Tax

139.39

129.60

120.92

110.99

116.93

120.93

115.55

Profit After Tax

407.50

374.32

351.37

321.95

342.19

341.87

324.69

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

407.50

374.32

351.37

321.95

342.19

341.87

324.69

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

1.56

1.43

1.34

1.23

1.31

1.24

Diluted Earnings per share

1.55

1.43

1.34

1.23

1.31

1.24

Operating Profit Margin (Excl OI)

70.53%

65.73%

64.59%

56.76%

58.64%

65.59%

63.81%

Gross Profit Margin

21.37%

20.02%

19.62%

18.33%

19.34%

19.52%

18.7%

PAT Margin

15.92%

14.87%

14.6%

13.63%

14.42%

13.79%

Net Interest Margin

0.0%

2.86%

2.8%

3.03%

3.21%

3.19%

3.24%

Return on Assets

0.0%

CASA (%)

0.0%

31.84%

31.86%

32.06%

31.37%

31.15%

31.8%

CASA Amount

0.00

37,640.00

36,841.00

36,204.00

33,729.00

32,830.00

33,531.00

Capital Adequacy Ratio (Total)

19.66%

17.84%

17.7%

19.48%

19.31%

18.0%

18.04%

Capital Adequacy Ratio (Tier 1)

0.0%

16.88%

16.79%

18.25%

17.98%

16.68%

16.63%

Provision Coverage Ratio (%)

0.0%

91.57%

90.25%

88.82%

85.03%

81.07%

80.72%

Amount of Gross NPAs

1,430.50

2,581.50

2,703.47

2,806.57

2,799.83

3,735.56

3,731.31

Amount of Net NPAs

287.93

425.90

505.82

591.38

790.52

1,056.11

1,073.10

% of Net NPAs

0.29%

0.45%

0.56%

0.68%

0.92%

1.25%

1.31%

% of Gross NPAs

1.43%

2.67%

2.93%

3.15%

3.2%

4.3%

4.4%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

1269.0

1274.0

1280.0

1285.0

Number of Branches

0.0

948.0

950.0

955.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 1.67% vs 4.59% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 8.86% vs 6.53% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is -0.52% vs 9.11% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.16% vs -0.11% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -1.24% vs -0.26% in Dec 2025

Compare Quarterly Results Of South Ind.Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,559.48

1,550.38

1,009.10

65.09%

Income On Investments

471.92

254.53

217.39

85.41%

Interest On Balances With Rbi Other Inter Bank Funds

43.55

11.52

32.03

278.04%

Interest / Discount On Advances / Bills

2,036.31

1,284.15

752.16

58.57%

Others

7.70

0.18

7.52

4177.78%

Other Income

385.94

241.76

144.18

59.64%

Total Income

2,945.42

1,792.14

1,153.28

64.35%

Interest Expended

1,644.15

845.93

798.22

94.36%

Net Interest Income

915.33

704.45

210.88

29.94%

Total Expenditure (Excl Depreciation)

719.99

423.90

296.09

69.85%

Employee Cost

351.82

220.68

131.14

59.43%

Other Operating Expenses

368.17

203.22

164.95

81.17%

Operating Profit Before Provisions and Contingencies

581.28

522.31

58.97

11.29%

Exceptional Items

0.00

Provisions and contingencies

34.39

18.79

15.60

83.02%

Profit Before Tax

546.89

503.52

43.37

8.61%

Tax

139.39

129.87

9.52

7.33%

Profit After Tax

407.50

373.65

33.85

9.06%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

407.50

373.65

33.85

9.06%

Face Value

1.00

10.00

0.00

Reserves

0.00

9,951.81

-9,951.81

-100.0%

Earnings per share (EPS)

1.56

23.60

-22.04

-93.39%

Diluted Earnings per share

1.55

23.60

-22.05

-93.43%

Operating Profit Margin (Excl OI)

70.53%

71.45%

0.00

-0.92%

Gross Profit Margin

21.37%

32.48%

0.00

-11.11%

PAT Margin

15.92%

24.10%

0.00

-8.18%

Net Interest Margin

0.00%

4.18%

-4.18

-4.18%

Return on Assets

0.00%

2.05%

-2.05

-2.05%

CASA (%)

0.00%

28.14%

-28.14

-28.14%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

19.66%

33.73%

-14.07

-14.07%

Capital Adequacy Ratio (Tier 1)

0.00%

32.27%

-32.27

-32.27%

Provision Coverage Ratio (%)

0.00%

96.14%

-96.14

-96.14%

Amount of Gross NPAs

1,430.50

388.21

1,042.29

268.49%

Amount of Net NPAs

287.93

97.41

190.52

195.59%

% of Net NPAs

0.29%

0.18%

0.11

0.11%

% of Gross NPAs

1.43%

0.73%

0.70

0.70%

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

0.00

Number of Branches

0.00

622.00

-622.00

-100.0%

Quarterly - Interest Earned

Interest Earned 2559.48 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 1.67% vs 4.59% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 7.84% vs 4.34% in Mar 2025

Quarterly - Net Profit

Net Profit 407.50 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 8.86% vs 6.53% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 19.09% vs 19.00% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 581.28 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -0.52% vs 9.11% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -14.93% vs 57.61% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.29%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.16% vs -0.11% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.63% vs -0.54% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 1.43%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -1.24% vs -0.26% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -1.77% vs -1.30% in Mar 2025