The South Indian Bank Limited (SOUTHBANK)
Conference call for Investors/Analysts-Transcript of the Conference call
AI summary
- Q2 FY27 net profit INR426 Cr +21% y-y; deposits INR1.37 tn +19% y-y; advances INR1.10 tn +19% y-y
- NIM at 3.33%, up 53 bps y-y and 10 bps q-q; ROA 1.08%, ROE 14%
- Gross NPA down to 1.24%, net NPA 0.09%; PCR improved to 97.84% including write-offs
- Loan growth guided at 15-16% for FY27, focus on gold loans, MSME, business loans
- Cost-to-income ratio targeted to reduce to 50% over next 2 years despite branch and employee additions
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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