The South Indian Bank Limited (SOUTHBANK)
Analysts/Institutional Investor Meet/Con. Call Updates
AI summary
- Q2 FY27 net profit at INR426 Cr, +21% y-y; deposits grew 19% to INR1.37 tn; advances up 19% to INR1.09 tn
- NIM improved to 3.33%, up 53 bps y-y and 10 bps q-q; ROA at 1.08%, ROE at 14%
- Gross NPA reduced to 1.24%, net NPA to 0.09%; PCR improved to 97.84% including write-offs
- Retail and MSME disbursements outpaced wholesale; gold loans grew 41%, targeting 30-35% portfolio share
- Cost-to-income ratio expected to improve towards 50% with controlled opex growth below loan growth
- Management confident of sustaining 15-16% loan and deposit growth, with medium-term ROA target of 1.25-1.30%
- Treasury MTM impact approx INR1 Cr per bps; AFS reserve debit of INR52-53 Cr this quarter
- Focus on balanced portfolio with stronger risk-adjusted returns; technology refinements and AI adoption ongoing
Source: Original filing PDF
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🚨 SOUTHBANK — Quarterly Results
Revenue: ₹2,35,800 Cr (+12% YoY)
PAT: ₹19,200 Cr (+17% YoY)
EBITDA margin: 16.8%
Board declared ₹10/share dividend. Jio adds 8M subs.
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The summary above is generated automatically from The South Indian Bank Limited's own
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