South Indian Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

2,517.53

2,407.05

2,362.44

2,373.44

2,370.74

2,354.72

2,314.41

Income On Investments

497.60

456.06

363.90

386.48

404.10

393.41

408.06

Interest On Balances With Rbi Other Inter Bank Funds

48.30

61.15

56.29

39.35

46.40

52.01

29.47

Interest / Discount On Advances / Bills

1,963.00

1,874.94

1,882.66

1,914.21

1,895.39

1,878.03

1,841.45

Others

8.63

14.90

59.59

33.40

24.85

31.27

35.43

Other Income

485.93

515.73

621.89

572.37

409.22

410.12

421.72

Total Income

3,003.46

2,922.78

2,984.33

2,945.81

2,779.96

2,764.84

2,736.13

Interest Expended

1,636.85

1,598.27

1,529.87

1,505.11

1,501.48

1,472.44

1,448.64

Net Interest Income

880.68

808.78

832.57

868.33

869.26

882.28

865.77

Total Expenditure (Excl Depreciation)

782.28

788.95

782.26

757.39

749.64

742.15

779.81

Employee Cost

428.69

419.77

420.42

397.80

414.93

421.30

418.67

Other Operating Expenses

353.59

369.18

361.84

359.59

334.71

320.85

361.14

Operating Profit Before Provisions and Contingencies

584.33

535.56

672.20

683.31

528.84

550.25

507.68

Exceptional Items

0.00

Provisions and contingencies

80.41

63.27

239.26

224.19

66.04

110.01

112.95

Profit Before Tax

503.92

472.29

432.94

459.12

462.80

440.24

394.73

Tax

129.60

120.92

110.99

116.93

120.93

115.55

100.60

Profit After Tax

374.32

351.37

321.95

342.19

341.87

324.69

294.13

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

374.32

351.37

321.95

342.19

341.87

324.69

294.13

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

1.43

1.34

1.23

1.31

1.24

1.12

Diluted Earnings per share

1.43

1.34

1.23

1.31

1.24

1.12

Operating Profit Margin (Excl OI)

65.73%

64.59%

56.76%

58.64%

65.59%

63.81%

61.43%

Gross Profit Margin

20.02%

19.62%

18.33%

19.34%

19.52%

18.7%

17.06%

PAT Margin

14.87%

14.6%

13.63%

14.42%

13.79%

12.71%

Net Interest Margin

2.86%

2.8%

3.03%

3.21%

3.19%

3.24%

3.26%

Return on Assets

0.0%

CASA (%)

31.84%

31.86%

32.06%

31.37%

31.15%

31.8%

32.06%

CASA Amount

37,640.00

36,841.00

36,204.00

33,729.00

32,830.00

33,531.00

33,195.00

Capital Adequacy Ratio (Total)

17.84%

17.7%

19.48%

19.31%

18.0%

18.04%

18.11%

Capital Adequacy Ratio (Tier 1)

16.88%

16.79%

18.25%

17.98%

16.68%

16.63%

16.71%

Provision Coverage Ratio (%)

91.57%

90.25%

88.82%

85.03%

81.07%

80.72%

79.22%

Amount of Gross NPAs

2,581.50

2,703.47

2,806.57

2,799.83

3,735.56

3,731.31

3,719.87

Amount of Net NPAs

425.90

505.82

591.38

790.52

1,056.11

1,073.10

1,151.46

% of Net NPAs

0.45%

0.56%

0.68%

0.92%

1.25%

1.31%

1.44%

% of Gross NPAs

2.67%

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

Number of Branches

948.0

950.0

955.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 4.59% vs 1.89% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 6.53% vs 9.14% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 9.11% vs -20.33% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.11% vs -0.12% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.26% vs -0.22% in Sep 2025

Compare Quarterly Results Of South Ind.Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,517.53

3,313.44

-795.91

-24.02%

Income On Investments

497.60

745.93

-248.33

-33.29%

Interest On Balances With Rbi Other Inter Bank Funds

48.30

8.74

39.56

452.63%

Interest / Discount On Advances / Bills

1,963.00

2,435.10

-472.10

-19.39%

Others

8.63

123.67

-115.04

-93.02%

Other Income

485.93

279.46

206.47

73.88%

Total Income

3,003.46

3,592.90

-589.44

-16.41%

Interest Expended

1,636.85

1,824.56

-187.71

-10.29%

Net Interest Income

880.68

1,488.88

-608.20

-40.85%

Total Expenditure (Excl Depreciation)

782.28

988.09

-205.81

-20.83%

Employee Cost

428.69

656.54

-227.85

-34.7%

Other Operating Expenses

353.59

331.55

22.04

6.65%

Operating Profit Before Provisions and Contingencies

584.33

780.25

-195.92

-25.11%

Exceptional Items

0.00

Provisions and contingencies

80.41

-25.81

106.22

411.55%

Profit Before Tax

503.92

806.06

-302.14

-37.48%

Tax

129.60

219.33

-89.73

-40.91%

Profit After Tax

374.32

586.73

-212.41

-36.2%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

374.32

586.73

-212.41

-36.2%

Face Value

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.43

5.33

-3.90

-73.17%

Diluted Earnings per share

1.43

5.33

-3.90

-73.17%

Operating Profit Margin (Excl OI)

65.73%

70.96%

0.00

-5.23%

Gross Profit Margin

20.02%

24.33%

0.00

-4.31%

PAT Margin

14.87%

17.71%

0.00

-2.84%

Net Interest Margin

2.86%

3.62%

-0.76

-0.76%

Return on Assets

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%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 2517.53 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.59% vs 1.89% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 6.19% vs 8.55% in Dec 2024

Quarterly - Net Profit

Net Profit 374.32 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 6.53% vs 9.14% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 9.49% vs 11.96% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 584.33 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 9.11% vs -20.33% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 10.49% vs 9.39% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.45%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.11% vs -0.12% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.80% vs -0.36% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.67%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.26% vs -0.22% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -1.63% vs -0.44% in Dec 2024