South Indian Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

2,407.05

2,362.44

2,373.44

2,370.74

2,354.72

2,314.41

2,274.67

Income On Investments

456.06

363.90

386.48

404.10

393.41

408.06

407.09

Interest On Balances With Rbi Other Inter Bank Funds

61.15

56.29

39.35

46.40

52.01

29.47

21.23

Interest / Discount On Advances / Bills

1,874.94

1,882.66

1,914.21

1,895.39

1,878.03

1,841.45

1,820.99

Others

14.90

59.59

33.40

24.85

31.27

35.43

25.36

Other Income

515.73

621.89

572.37

409.22

410.12

421.72

346.03

Total Income

2,922.78

2,984.33

2,945.81

2,779.96

2,764.84

2,736.13

2,620.70

Interest Expended

1,598.27

1,529.87

1,505.11

1,501.48

1,472.44

1,448.64

1,400.00

Net Interest Income

808.78

832.57

868.33

869.26

882.28

865.77

874.67

Total Expenditure (Excl Depreciation)

788.95

782.26

757.39

749.64

742.15

779.81

787.16

Employee Cost

419.77

420.42

397.80

414.93

421.30

418.67

412.67

Other Operating Expenses

369.18

361.84

359.59

334.71

320.85

361.14

374.49

Operating Profit Before Provisions and Contingencies

535.56

672.20

683.31

528.84

550.25

507.68

433.54

Exceptional Items

0.00

Provisions and contingencies

63.27

239.26

224.19

66.04

110.01

112.95

40.62

Profit Before Tax

472.29

432.94

459.12

462.80

440.24

394.73

392.92

Tax

120.92

110.99

116.93

120.93

115.55

100.60

105.36

Profit After Tax

351.37

321.95

342.19

341.87

324.69

294.13

287.56

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

351.37

321.95

342.19

341.87

324.69

294.13

287.56

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

1.34

1.23

1.31

1.24

1.12

1.1

Diluted Earnings per share

1.34

1.23

1.31

1.24

1.12

1.35

Operating Profit Margin (Excl OI)

64.59%

56.76%

58.64%

65.59%

63.81%

61.43%

63.61%

Gross Profit Margin

19.62%

18.33%

19.34%

19.52%

18.7%

17.06%

17.27%

PAT Margin

14.6%

13.63%

14.42%

13.79%

12.71%

12.64%

Net Interest Margin

2.8%

3.03%

3.21%

3.19%

3.24%

3.26%

3.38%

Return on Assets

0.0%

CASA (%)

31.86%

32.06%

31.37%

31.15%

31.8%

32.06%

32.08%

CASA Amount

36,841.00

36,204.00

33,729.00

32,830.00

33,531.00

33,195.00

32,693.00

Capital Adequacy Ratio (Total)

17.7%

19.48%

19.31%

18.0%

18.04%

18.11%

19.91%

Capital Adequacy Ratio (Tier 1)

16.79%

18.25%

17.98%

16.68%

16.63%

16.71%

17.65%

Provision Coverage Ratio (%)

90.25%

88.82%

85.03%

81.07%

80.72%

79.22%

79.1%

Amount of Gross NPAs

2,703.47

2,806.57

2,799.83

3,735.56

3,731.31

3,719.87

3,620.34

Amount of Net NPAs

505.82

591.38

790.52

1,056.11

1,073.10

1,151.46

1,134.58

% of Net NPAs

0.56%

0.68%

0.92%

1.25%

1.31%

1.44%

1.46%

% of Gross NPAs

2.93%

3.15%

3.2%

4.3%

4.4%

4.5%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1269.0

1274.0

1280.0

1285.0

1298.0

1321.0

Number of Branches

948.0

950.0

955.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 1.89% vs -0.46% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 9.14% vs -5.91% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -20.33% vs -1.63% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.12% vs -0.24% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.22% vs -0.05% in Jun 2025

Compare Quarterly Results Of South Ind.Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,407.05

3,291.82

-884.77

-26.88%

Income On Investments

456.06

767.03

-310.97

-40.54%

Interest On Balances With Rbi Other Inter Bank Funds

61.15

24.49

36.66

149.69%

Interest / Discount On Advances / Bills

1,874.94

2,390.92

-515.98

-21.58%

Others

14.90

109.38

-94.48

-86.38%

Other Income

515.73

154.89

360.84

232.97%

Total Income

2,922.78

3,446.71

-523.93

-15.2%

Interest Expended

1,598.27

1,857.83

-259.56

-13.97%

Net Interest Income

808.78

1,433.99

-625.21

-43.6%

Total Expenditure (Excl Depreciation)

788.95

966.26

-177.31

-18.35%

Employee Cost

419.77

645.89

-226.12

-35.01%

Other Operating Expenses

369.18

320.37

48.81

15.24%

Operating Profit Before Provisions and Contingencies

535.56

622.62

-87.06

-13.98%

Exceptional Items

0.00

Provisions and contingencies

63.27

-10.93

74.20

678.87%

Profit Before Tax

472.29

633.55

-161.26

-25.45%

Tax

120.92

139.44

-18.52

-13.28%

Profit After Tax

351.37

494.11

-142.74

-28.89%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

351.37

494.11

-142.74

-28.89%

Face Value

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.34

4.49

-3.15

-70.16%

Diluted Earnings per share

1.34

4.49

-3.15

-70.16%

Operating Profit Margin (Excl OI)

64.59%

70.98%

0.00

-6.39%

Gross Profit Margin

19.62%

19.25%

0.00

0.37%

PAT Margin

14.60%

15.01%

0.00

-0.41%

Net Interest Margin

2.80%

3.56%

-0.76

-0.76%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

31.86%

45.89%

-14.03

-14.03%

CASA Amount

36,841.00

69,774.00

-32,933.00

-47.2%

Capital Adequacy Ratio (Total)

17.70%

15.27%

2.43

2.43%

Capital Adequacy Ratio (Tier 1)

16.79%

13.06%

3.73

3.73%

Provision Coverage Ratio (%)

90.25%

90.39%

-0.14

-0.14%

Amount of Gross NPAs

2,703.47

3,585.26

-881.79

-24.59%

Amount of Net NPAs

505.82

795.94

-290.12

-36.45%

% of Net NPAs

0.56%

0.76%

-0.20

-0.20%

% of Gross NPAs

2.93%

3.32%

-0.39

-0.39%

Public Share Holdings (%)

0.00%

40.60%

-40.60

-40.60%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,269.00

1,428.00

-159.00

-11.13%

Number of Branches

948.00

1,015.00

-67.00

-6.6%

Quarterly - Interest Earned

Interest Earned 2407.05 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 1.89% vs -0.46% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 2.22% vs 10.6% in Sep 2024

Quarterly - Net Profit

Net Profit 351.37 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 9.14% vs -5.91% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 8.22% vs 18.15% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 535.56 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -20.33% vs -1.63% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -2.67% vs 19.51% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.56%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.12% vs -0.24% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.75% vs -0.39% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.93%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.22% vs -0.05% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -1.47% vs -0.56% in Sep 2024