#1Gift Card SOUTH INDIAN Bak 5089 65XX XXXXXX 5009 FROM 05/16 05/39 CARDHOLDER NAME RuPay PREPAID Plat International ATM Cum Debit Card 4375 VALD FROM VALID NPCI SOUTH INDIAN Bank SOUTH INDIAN BANK 90 YEARS OF EVICE TO THE NATION SOUTH INDIAN Bank SOUTH Bank SBI Card Make life simple SimplySAVE Experience Next Generation Banking SIBer mart Your online shopping begins here 4377 4846 7012 3456 VISA 4377 ELECTRONIC USE ONLY PLATINUM MONTH/YEAR THRU VALID 12/20 VIJAY KUMAR VISA Platinum Mobile payments are now easier, safer, smarter! Investor Presentation May - 2019#2Safe Harbor No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certain statements made in this presentation may not be based on historical information or facts and may be "forward looking statements", including those relating to the Company's general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company's business, its competitive environment and political, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe for any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. This presentation can not be copied and/or disseminated in any manner. 2#3Contents ☑Q4 FY19 Highlights Business Strategy Performance Matrix Next Generation Bank ☑ About Us SOUTH INDIAN Bank 3#4Hv Q4 FY19 Highlights#5Key Quarterly Highlights- Q4 FY19 SOUTH INDIAN Bank Rs Cr CASA Deposits Advances Q4 FY19 19,467 Q4 FY19 80,420 Q4 FY19 63,636 Q4 FY18 17,142 Q4 FY18 72,030 Q4 FY18 55,109 14% 12% 15.5% Net Interest Income Q4 FY19 Q4 FY18 1% Other Income PPOP 499 Q4 FY19 236 328 Q4 FY19 492 Q4 FY18 179 Q4 FY18 311 32% 5% 5#6Business Strategy 11: 6#7Our Strategy... Expand Retail Business SOUTH INDIAN Bank Retail Banking Department to focus on retail loan & liability/investment products Efficient branches & processing centers for faster processing of loans Outbound Sales team Continuous training of work force Advanced technology for ease of customers Invest in Brand Building Strengthen SME Base • • . Cluster based approach in industry hubs Sole Banker to SMEs for all banking needs Dedicated vertical to penetrate SME banking Strategy & Road map in place to increase CASA funds • Alternate channels for mobilising CASA Improve CASA Enhance Asset Quality . Centralized processes allowing branches to focus on garnering low cost funds Continuous improvement/review of products • Granulize loan portfolio to spread out risk • Cautious approach on large corporate lending Improve share of other Income • Special cell for monitoring non performing and restructured assets • Focus on increasing banking services for SME, Retail, NRI • Enhance treasury capabilities & increase branch strength • Expand POS/ATM Network and all digital channels • Leveraging technology to introduce modern & new-age banking products . Focus on 3rd Party/Investment products to generate more other income 7#8...Performance in Line with Strategy SOUTH INDIAN Bank Strengthen Retail base Rs. 18,458 Cr INCREASE 33.9% YoY Expand Agriculture & SME Base Rs. 23,742 Cr INCREASE 13.7% YoY Improve CASA Rs. 19,467 Cr INCREASE 13.6% YoY 80#9Shall continue to focus on Core Strengths SOUTH INDIAN Bank 01 Increase ... CASA 02 Retail Business ... 03 SME Business ... More Products Retail Relationships SOUTH INDIAN Bank 06 | Sustainable... 05 Increase... Asset Quality Fee Income Sole Banker SME Relationships 04 | Improve NIM 6#10...Increase Retail & SME Business SOUTH INDIAN Bank 01 02 03 Centralized Marketing & Processing Centre (Kochi) Retail Hub • Home Loan • Auto Loan • MSME Loan • LAP Cluster Branches • 17 Clusters Specific Cluster for Forex SERVER Loan Processing • • • Entire Loan underwriting centralised Enhanced risk management KYC compliance and fraud prevention tools Retail Business • Penetrate further in the existing set of Customers . Faster Sanctions Branch Profitability Focus on particular geographies and open additional branches Improve Branch Profitability 10#11Rs Cr ...by focus on Housing Loans in Retail Retail Breakup +34% . 18,458 16,857 2,667 16,061 · 15,200 1,780 1,706 1,289 13,787 1,668 1,200 1,159 1,543 1,096 4,660 1,045 4,816 4,660 4,394 3,826 SOUTH INDIAN Bank Housing: Key Initiatives Retail hub in Kochi to increase focus on housing finance Dedicated Officers for marketing Retail Loans Marketing initiative through TVCs Tailor made products for different segments 2,993 2,903 2,993 2,809 2,446 2,216 1,840 1,357 1,440 1,494 January to March 2019 • Mortgage Loans Sanctioned : 3,428 Nos. 3,571 3,793 4,049 4,318 4,633 • Amount of Mortgage Loans Sanctioned: Rs. 1,346 Cr Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Others LAD* Service & Traders Manufacturing Gold Housing *LAD = Loan against deposits 11#12...becoming a Banker of Choice to SMEs Average SME Loan / Account SOUTH INDIAN Bank SME Loan Book by Geography - Q4 FY19 Rs. Lakh 37.98 30.30 31.33 29.30 26.50 Rest of India 24% South (Ex- Kerala) 32% Kerala 44% • . • • Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 SME Highlights Focused 'Green Channel' branches to drive faster loan growth to SMEs Dedicated executive to ensure focus and better coordination with regions Target to become banker of choice to SMEs thereby getting other business as well – liabilities, vehicle finance Ongoing training (in-house as well as external) Entire SME loan processing centralized at Kochi at two centers- Special focus on applications up to Rs. 2.00 Cr and standardized, uniform risk based approach on Rs. 2.00 Cr to Rs. 25.00 Cr. Underwriting of loans through customized software called LOS (Loan Origination System) to ensure speedy, paperless processing with capabilities to integrate with external sources like Finacle, CIBIL, Rating Agencies etc for seamless flow of data. Regional Offices freed from processing of loan applications so as to focus on new customer acquisition and marketing 12#13...with the help of our Branch Network Total Branch Network SOUTH INDIAN Bank +1.8% 794 822 834 850 854 870 FY14 FY15 FY16 FY17 FY18 FY19 Total ATM Network +7.1% Branch Location* No of Branches 1,287 1,320 1,382 1,406 1,200 Kerala 1,000 474 South India (Ex-Kerala) 253 Rest of India 143 Total 870 FY14 FY15 FY16 FY17 FY18 FY19 *Map for illustration purpose only 13#14... and our Experienced Employees Employee Addition SOUTH INDIAN Bank Total Employees: 7,822* 7,287 99 332 137 33 7,822 12% 26% 38% 7% 17% < 1 Year Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Closing 5-10 Years 1-2 Years > 10 Years 2-5 Years *Full-time officers and clerks. 14#15Performance Matrix M 15#16Strong Deposit Franchise Mar-19 64,478 11.7% 57,712 Mar-18 SOUTH INDIAN Bank Core & Non-Core Deposits Rs Cr Mar-19 Mar-19 15,942 80,420 11.4% 11.7% 14,317 72,030 Mar-18 Mar-18 Core Deposit Dec-18 3,332 Non-Core Deposit CASA Deposits Mar-19 16,135 Total Deposit Mar-19 Rs Cr 19,467 9.0% 14.6% 13.6% 3,058 Mar-18 14,084 17,142 Mar-18 Mar-18 Current Deposit Savings Deposit Total CASA 16#17Core Deposits Growing... Breakup of Deposits +12% Rs Cr SOUTH INDIAN Bank CASA Deposit 80,420 77,665 74,911 72,030 72,488 17,142 +14% 19,467 3,332 3,058 14,084 16,135 45,011 43,426 42,498 40,408 41,561 Mar-18 Current Mar-19 Savings Term Deposits 15,420 16,135 14,084 14,937 15,357 3,058 3,485 3,332 2,946 3,031 40,408 14,480 13,044 14,025 |15,334 15,942 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Term Savings Current Others* *Others includes: Bulk, Certificates of Deposits +11% 45,011 Mar-18 Mar-19 Rs Cr Rs Cr 17#18NRI Deposits Growing... NRI Deposits Rs Cr +14% 21,436 20,981 20,425 19,631 18,855 CASA SOUTH INDIAN Bank In (%) 23.8 24.7 24.6 24.3 24.2 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 18#19Break Up of Non Resident Deposits SOUTH INDIAN Bank Deposit Type (Rs Cr) Q4-FY 18 Q1-FY 19 Q2-FY 19 Q3-FY 19 Q4-FY 19 NRE SB NRO SB 3,335 3,628 3,741 3,768 3,660 618 623 657 712 737 FCNR (B), RFC & Others 1,634 1,638 1,652 1,697 1,859 Low Cost NRI Deposit (Sub 5,587 5,889 6,050 6,177 6,257 Total) NRE Term Deposit 12,704 13,180 13,789 14,199 14,533 NRO Term Deposit 564 562 586 605 647 Total NRI Deposit 18,855 19,631 20,425 20,981 21,436 19#20Composition of Loan Book Corporate Advances (Above Rs 25 Cr) Rs Cr +5% 20,438 19,976 20,149 21,111 21,436 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 SOUTH INDIAN Bank Retail Advances +22% Rs Cr 42,200 38,953 34,671 36,188 37,264 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Segment wise Break Up of Total Loan Book Rs Cr 8,673, 21,436, 13.63% 33.69% 15,069, 23.68% 2,216, 3.48% 16,242, 25.52% ■Corporate Retail Ex Gold ■Gold SME ■Agriculture 20 20#21Composition of Loan Book Break up of Loan book SOUTH INDIAN Bank Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 Advances (Rs. Cr) Number Value Number Value Number Value Number Value Number Value Less than 5 Cr 7,15,160 21,816 7,15,520 22,529 7,17,750 23,331 723,279 25,576 738,786 27,802 5-25 Cr 3,753 10,147 3,798 10,564 3,898 10,892 4,071 11,321 4,244 12,667 25-100 Cr 1,038 10,539 987 10,455 982 10,449 992 10,790 875 11,040 More than 100 Cr 387 12,607 381 12,616 389 12,741 381 12,377 314 12,127 Total Advances 7,20,338 55,109 7,20,686 56,164 7,23,019 57,413 728,723 60,064 744,219 63,636 21 21#22Rating Profile of Corporate Loan Book Standard Advances above Rs. 100 Cr External Rating SOUTH INDIAN Bank Standard Advances above Rs. 25 Cr SIB Internal Rating Rs Cr 0.0% 0.0% [2.0% Rs Cr [2.1%] -0.6% 16.9% 19.3% 20.9% 25.8% 25.4% 26.4% 27.5% 25.4% 26.7% 32.1% 24.7% 24.6% 21.7% 31.4% 37.4% 24.6% 22.9% 27.1% 26.7% 24.1% 32.1% 30.1% 21.1% 13.8% 27.2% 28.9% 17.7% 27.0% 28.2% 24.4% 22.2% 22.7% 21.1% 26.2% 15.2% 21.8% 18.3% 20.8% 17.3% 17.8% 9.3% 8.8% 3.7% 5.0% 3.2%. Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 AAA AA A BBB <BBB SIB AAA SIB AA SIB A SIB BBB SIB <BBB 22#23Key Focus: Retail, SME & Agriculture Retail excluding Gold Retail Gold (Average LTV - 65%) SOUTH INDIAN Bank Rs Cr Rs Cr +31% +63% 13,760 14,567 15,017 16,242 2,216 12,430 1,840 1,357 1,440 1,494 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Agriculture (Incl. Agri Gold) Rs Cr Rs Cr SME (Incl. SME Gold) +10% +16% 8,673 7,919 7,851 7,887 8,068 15,069 12,965 13,137 13,316 14,027 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Retail Loans (Excl. Gold), Agriculture & SME has grown by 20% (Y-0-Y) ~16.81% of the Agriculture & SME Loans are backed by Additional Security by way of GOLD 23#24Advances growing Across Regions +15% SOUTH INDIAN Bank Rs Cr 63,636 60,064 57,413 56,164 55,109 18,574 17,932 17,049 15,983 16,646 19,325 17,924 16,624 16,771 16,996 22,502 22,747 23,368 24,208 25,737 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Rest of India South Ex- Kerala Kerala 24#25Net Interest Income - Quarter Net Interest Income SOUTH INDIAN Bank Cost of Deposits & Yield on Advances Rs Cr In % Cost Of Deposit Yield on Advances 492 494 506 520 499 9.61 9.50 9.50 9.64 9.51 6.04 6.06 6.08 6.16 6.30 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 Net Interest Margin Cost of Funds & Yield on Funds In % In % Cost of Funds Yield on Funds 2.73 2.60 2.61 2.66 2.46 7.83 7.95 7.94 7.97 7.93 5.40 5.58 5.57 5.59 5.72 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 25#26Rs Cr 461 Net Interest Income - Cumulative SOUTH INDIAN Bank Net Interest Income Cost of Deposits & Yield on Advances In % 1,966 1,473 964 2,020 Cost of Deposits Yield on Advances 1,520 1,001 9.89 9.50 9.50 9.55 9.54 494 6.08 6.06 6.07 6.10 6.15 T Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun -18 Sept -18 Dec-18 Mar-19 Net Interest Margin In % 2.84 2.60 2.60 2.62 2.58 Cost of Funds & Yield on Funds In % Cost of Funds Yield on Funds 7.97 7.95 7.93 7.94 7.94 5.44 5.58 5.56 5.57 5.60 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 26#27Improving Operating Efficiency Employee Additions C/I Ratio SOUTH INDIAN Bank 332 99 99 137 In % 57.88 55.58 54.68 54.88 47.17 -33 -77 Mar-18 Jun -18 Sept -18 Dec-18 Mar -19 Mar-18 Jun -18 Sept -18 Dec -18 Mar -19 Business per Employee Business per Branch Rs Cr Rs Cr 15.7 15.7 14.9 15.5 15.9 147 148 149 150 134 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 27#28Sustainable Other Income Total Other Income led by .... SOUTH INDIAN Bank ...Sustainable : Transaction Fees + Technology Rs Cr 236 179 187 158 146 Rs Cr 120 108 100 91 95 69 59 71 86 60 60 31 32 35 37 33 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Transaction Fees Technology Profit on Sale of Investments, Forex & Others Investment Book as on Mar-19 Rs Cr 14 Details Rs. Cr M Duration 37 11 10 HTM 15,452 5.42 11 9 43 55 AFS 3,873 2.04 30 39 65 27 13 16 13 HFT 199 0.15 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Total 19,525 4.94 Forex Other Profit on Sale of Investments 28#29Break Up of Provisions Particulars (Rs Cr) For NPA & NPI SOUTH INDIAN Bank Q4-FY 19 Q4-FY 18 Q3-FY 19 191.0 151.7 189.4 For Depreciation on Investments 39.7 8.5 -7.3 For Standard Assets 14.4 -6.2 10.1 For Restructured Advances/Sacrifices & FITL 3.0 -10.1 0.0 For Unhedged Forex Exposure Others Taxes 0.5 -0.1 -0.1 -29.5 4.8 11.1 37.9 48.2 45.0 Total Provisions 257.0 196.8 248.1 29#30Non Performing Assets SOUTH INDIAN Bank Gross NPA Net NPA 4.54% 4.61% 4.88% 4.92% 3.27% 3.16% 3.45% 2.60% 3.59% 3.54% Mar-18 Jun-18 Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 Sept-18 Dec-18 Mar-19 Gross NPA Movement Net NPA Movement Rs Cr Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 Rs Cr Mar-18 Jun-18 Sept-18 Dec-18 | Mar-19 Opening 1,775 1,980 2,552 2,646 2,930 Opening 1,211 1,416 1,814 1,785 2,100 Additions 614 609 213 659 368 Additions 510 505 165 555 305 Deductions 408 37 119 375 166 Deductions 305 107 194 240 241 Closing 1,980 2,552 2,646 2,930 3,132 Closing 1,416 1,814 1,785 2,100 2,164 30#31Stressed Assets - QoQ Rs Cr NPA SOUTH INDIAN Bank Q4-FY 19 Gross Basis Net Basis Q3-FY 19 Q4-FY 19 Q3-FY 19 2,930 3,132 2,100 2,164 Restructured Standard Advance 200 214 200 214 Other Stressed Advances 0 0 0 0 Total Stressed Assets 3,130 3,346 2,300 2,378 Advances 60,064 63,636 59,256 62,664 Stressed Assets as % of Advances 5.21% 5.26% 3.88% 3.79% 31#32Restructured Advances Breakup SOUTH INDIAN Bank Sector Standard Restructure - Q4FY19 57 40 20 20 Restructured Assets 214 Rs Cr 22 200 90.2% 9.8% Construction EPC Others (on Account of Kerala Floods and MSME Restructuring) Rs Cr Security Receipts Outstanding as on 31.3.2019 Book Value Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Restructured Standard Advance 1,285.22 Provision NAV 279.04 1,006.18 32#33Restructured Standard Asset Book SOUTH INDIAN Bank Rs Cr Infra Roads Restructured Standard Advance Upgradation Opening Fresh Addition from NPA to Decrease in Balance Slippages to NPA Closing Balance Std. Rest. 21 221 21 24 Others 179 32 18 193 Construction EPC Total 200 32 18 214 33#34Movement in Restructured Assets Movement in Restructured Accounts (Including Restructured NPA) 447 32 41 Rs Cr 438 Opening Fresh Addition Increase Upgradation Closure in Balance in Standard Including Category Write Off Dec in Balance Closing SOUTH INDIAN Bank Shift of focus from Large Corporate to SMEs Defocusing from Stressed Sectors Special Cell & Asset Monitoring Cell 34#35Credit Provisioning NPA Provisioning 938 209 76 805 Rs Cr Opening Additions Deductions Closing SOUTH INDIAN Bank Provision Coverage Ratio: 42.46% 35 45#36Fresh Slippages/Advance Ratios 0.18% Retail Slippage 0.42% 0.40% 0.71% 0.20% 0.20% Agriculture Slippage 0.22% 0.14% SOUTH INDIAN Bank 0.04% 1.15% Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 0.30% SME Slippage 1.72% 0.76% 0.80% 0.75% Corporate Slippage 2.38% 2.36% 1.54% 0.09% 0.53% Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 Mar-18 Jun-18 Sept-18 Dec-18 Mar-19 36#37Capital Composition BASEL III SOUTH INDIAN Bank 12.6 In % 12.7 12.2 12.1 11.8 2.3 2.1 2.6 2.1 2.1 10.4 10.1 10.0 10.0 9.7 Mar-18 Jun-18 Sep-18 Tier 2 Tier 1 Dec-18 Mar-19 37#38Profit & Loss Overview- Q4 FY19 Rs Cr SOUTH INDIAN Bank Q4-FY19 Q4-FY 18 Y-0-Y (%) Q3-FY19 Q-0-Q (%) Net Interest Income 499 492 2% 520 -4% Other Income Total Income 236 179 32% 187 26% 735 671 10% 706 4% Operating Expenses 407 360 13% 374 9% Operating Profit 328 311 5% 332 -1% Provisions (Ex-Tax) & 219 149 47% 203 8% Contingencies Reported Profit Before Tax 108 162 -33% 129 -16% Provision for Tax 38 48 -21% 45 -16% Profit After Tax 71 114 -38% 84 -16% 38#39Balance Sheet Overview- Q4 FY19 SOUTH INDIAN Bank Rs Cr Q4-FY 19 Q4-FY 18 Y-0-Y (%) Q3-FY 19 Q-0-Q (%) Capital & Liabilities 92,279 82,686 11.6% 88,249 4.6% Capital 181 181 0.0% 181 0.0% Reserves and Surplus 5,154 5,060 1.9% 5,153 0.0% Deposits 80,420 72,030 11.6% 77,665 3.5% Borrowings 4,903 4,043 21.3% 3,688 32.9% Other Liabilities & Provisions 1,621 1,372 18.1% 1,562 3.8% Assets 92,279 82,686 11.6% 88,249 4.6% Cash & Balances with RBI 3,662 3,258 12.4% 3,526 3.8% Balances with Banks 1,161 963 20.6% 1,166 -0.5% Investments 19,081 18,363 3.9% 18,507 3.1% Advances 62,694 54,563 14.9% 59,256 5.8% Fixed Assets 709 681 4.1% 693 2.3% Other Assets 4,973 4,858 2.4% 5,101 -2.5% Business (Advances + Deposits) 144,056 127,139 13.3% 137,729 4.6% Current Accounts 3,332 3,058 9.0% 3,485 -4.4% Savings Accounts 16,135 14,084 14.6% 15,421 4.6% CASA Ratio 24.21% 23.80% 1.7% 24.34% -0.5% 39#40Key Metrics- Quarterly SOUTH INDIAN Bank FY19 Particulars Net Interest Margin (NIM) CRAR Basel III ROAA (Annualized) Provision Coverage CASA FY17 Q1 Q2 Q3 2.7% 2.8% 11.7% 11.1% FY18 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q4 Q1 2.7% 2.7% 2.8% 2.9% 2.9% 2.7% 2.6% 2.6% 2.7% 2.46% 11.1% 12.4% 12.1% 11.7% 12.5% 12.7% 12.2% 12.1% 11.8% 12.6% 0.6% 0.7% 0.6% 0.4% 0.6% 0.02% 0.6% 0.6% 0.1% 0.3% 0.4% 0.3% 42.6% 46.1% 50.2% 55.1% 44.6% 44.1% 49.4% 41.2% 39.1% 41.9% 41.2% 42.5% 23.2% 22.8% 25.9% 23.8% 25.2% 24.6% 24.9% 23.8% 24.7% 24.5% 24.3% 24.2% 4.0% 4.0% 4.0% 2.5% 3.6% 3.6% 3.4% 3.6% 4.5% 4.6% 4.9% 4.92% 2.9% 2.8% 2.5% 1.5% 2.5% 2.6% 2.4% 2.6% 3.3% 3.2% Gross NPA Net NPA 3.5% 3.45% Book Value per Share (Rs.) 30.0 30.8 31.6 26.9 27.7 27.6 28.4 29.0 29.1 29.0 29.5 29.5 EPS (Rs.) (Annualized) 2.8 3.0 3.1 2.6 2.3 0.1 2.5 2.56 0.51 1.54 1.84 1.58 Branches Kerala 453 454 455 463 463 463 463 464 464 465 465 474 - South India (Ex-Kerala) 245 245 245 246 246 246 246 248 249 249 249 253 Rest of India 140 140 140 141 142 142 142 142 142 143 143 143 Total Branches 838 839 840 850 851 851 851 854 855 857 857 870 ATMs - Kerala 701 713 718 724 745 756 769 783 786 792 802 802 - South India (Ex-Kerala) 388 391 393 394 396 393 396 398 399 401 403 401 - Rest of India 202 202 202 202 203 205 205 201 201 202 202 203 Total ATMs 1,291 1,306 1,313 1,320 1,344 1,354 1,370 1,382 1,386 1,395 1,407 1,406 40#41Next Generation Bank 41#42Present across Customer Touch Points Traditional & Alternate Channels SOUTH INDIAN Bank SIB Mirror + ATMs ЯВАЛИ ЗОНЕМ 1,406 ATMs across India Mobile Banking SOUTH INDIAN Bank Branches 870 Branches & 53 Extension Counters SIBerNeT SIB POS Internet Banking Point of Sale 42 22#43Technology Initiatives HOH 0 SHAKE TO TRANSFER MONEY AND DO MUCH MORE. SOUTH INDIAN Bank Mirror + is an all in one stop for your mobile banking needs, with additional features as IMPS (24/7) fund transfer, NEFT fund transfers, and full access to account information, and much more SIBerNet is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers with added security like OTP, FRM Solution. Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers. Instant account opening facility through Quick Account Opening, TAB Account Opening supported by e-KYC. SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions SBUVTP VISA Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools 43#44Personal Banking: Technology Banking SOUTH INDIAN Bank Active Internet Users Internet Transaction Volume Internet Transaction Value (000)'s (000)'s Rs Cr 7,961 954 948 962 929 1,027 6,989 6,075 6,185 6,451 390 303 313 332 354 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 (000)'s Mobile Transaction Volume +232% 7,437 5,549 3,632 2,682 2,242 Mobile Transaction Value Rs Cr +126% 4,241 3,401 2,657 2,257 1,875 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 44#45Personal Banking: Debit Cards In Millions No of Active Debit Cards 4.0 3.9 3.8 4.3 3.8 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 SOUTH INDIAN Bank Debit Card Transaction Volumes In Millions 37.2 36.8 37.6 38.1 38.3 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Debit Card Transaction Value Rs Cr 7,512 7,573 7,761 7,090 7,321 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 45#46About Us 46 46#47Milestones FIRST among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBI Act FIRST private sector bank to open a NRI branch in November 1992 FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater exclusively to the export and import business in June 1993 1 SOUTH INDIAN Bank FIRST bank in the private sector in India to open a Currency Chest on behalf of the RBI in April 1992 FIRST bank in the private sector to start Industrial Finance Branch in March 1993 FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to the in-house partial automation solution operational since 1992 The FIRST Kerala based bank to implement Core Banking System 47 17#48Expansion since FY08 Branch Network 490 +78% 870 474 ATM Network SOUTH INDIAN Bank +530% 1,406 802 286 253 401 223 133 143 71 FY08 115 50 203 58 FY19 FY08 FY19 Kerala South Ex-Kerala Others (Rest of India) 48 48#49Performance since FY08 Net Interest Income CAGR: +17% 2,020 376 FY08 Rs Cr FY19 Business (Advances + Deposits) 25,610 Rs Cr CAGR: +17% 144,056 Profit After Tax Rs Cr 152 FY08 1.78 CAGR: +5% 248 FY19 SOUTH INDIAN Bank Gross NPA 314bps In % 4.92 FY08 FY19 FY08 FY19 49 49#50Leadership Team Mr. V. G Mathew, MD & CEO SOUTH INDIAN Bank Post Graduate in Physics and CALLB with over 40 years of experience ▪ Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014 ■ Significant experience in Retail & Corporate Credit, Technology and Risk Management Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB The major assignments handled by Mr. Mathew in SBI are " Dy. General Manager (IT Networking Project) " Dy. General Manager and Branch Head, (Overseas Branch, Bangalore) ◉ General Manager, (Corporate Accounts Group-Mumbai Branch) " Chief General Manager (Risk Management) ■ Chief General Manager (Corporate Accounts Group) He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee, Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie Infrastructure Trustee (P) Limited 50#51Leadership Team Mr. Thomas Joseph K, EVP (Operations) • • Bachelors Degree in Engineering and Diploma in Management & CAIIB SOUTH INDIAN Bank He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance •He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors Mr. G Sivakumar, EVP (Credit) Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB • He heads Credit and Legal Departments He has over 35 Years of Experience in Domestic and International Banking in India and Abroad ⚫ Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was responsible for Private Equity and Venture Capital Investments made by the Bank • He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than ten Alternative Investment Funds Mr. K N Reghunathan, EVP (Treasury) • Commerce Graduate & CAIIB . •He is responsible for Treasury Operations of the Bank along with International Banking Division • Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International Banking Division. ⚫ He was the Bank's nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India Advantage Fund I & II 51#52Management Team Mr. Benoy Varghese (Country Head - Wholesale Banking) • Bachelors Degree in Arts & Masters Degree in Business Administration and CAIIB SOUTH INDIAN Bank • Mr. Sanchay Kumar Sinha (Country Head - Retail Banking) Bachelor's degree in Arts, Post Graduate Certificate in Business Management (XLRI) Mr. Raphael T.J., Chief General Manager (Chief Information Officer) Bachelors Degree in Commerce, Masters in EXIM, Diploma in Financial Management and CAIIB Mr. John Thomas (Country Head - Business Development) Bachelors Degree in Science, MBA and CAIIB . • Mr. Chandrasekhar Mukherjee, Chief People Officer Bachelors Degree in Commerce Post Graduation Diploma in Personnel Management & Industrial Relation Mr. Anto George T, General Manager (Head of Inspection & Vigilance Department and Chief of Internal Vigilance) Bachelors Degree in Arts & Post Graduate Diploma in Computer Application and MBA in HR Management Certification in RDBMS & Oracle 8i and JAIIB Mr. Shelly Joseph, General Manager Masters Degree in Commerce & CAIIB 52 52#53Management Team SOUTH INDIAN Bank Mr. Reddy NJ, General Manager Masters Degree in Commerce & LLB • Mr. Sibi P M, Chief Compliance Officer Bachelor of Technology Certified Associate of Indian Institute of Banking & Finance FRM and GARP Mrs. Chithra H, Chief Financial Officer Mr. Jimmy Mathew, Company Secretary Bachelors Degree in Commerce • Associate member of the Institute of Chartered Accountants of India ⚫ Certified Associate of the Indian Institute of Banking & Finance Bachelors Degree in Commerce, Associate Member of Institute of Company Secretary of India and Institute of Cost & Management Accountants of India. Also a Certified Associate of the Indian Institute of Banking & Finance 53#54Award Wins during FY19 HUDCO Award SOUTH INDIAN Bank South Indian Bank has received the award for Best Performing PLI of HUDCO' under CLSS FO Photo Caption- Mr. Sanchay Kumar Sinha, Country Head (Retail Banking) receiving award for Best Performing PLI of HUDCO' under CLSS from Mr. Hardeep S Puri, Union Minister of State (Independent Charge). Also seen are Mr. Rakesh Kumar Arora, Director (Finance) HUDCO, Mr. Durga Shanker Mishra, Union Housing & Urban Affairs Secretary, Dr. M Ravi Kanth, Chairman and Managing Director HUDCO and Mr. N. L. Manjoka, Director (Corporate Planning) HUDCO. 54#55Award Wins during FY19 SOUTH INDIAN Bank National Payments Excellence Award South Indian Bank receiving National Payments Excellence Award for RuPay instituted by NPCI NATIONAL PAYMENTS EXCELLENCE AWARDS CATEGORY C WINNER NPCI भारतीय राष्ट्रीय भुगतान निगम NATIONAL PAYMENTS CORPORATION OF INDIA SOUTH INDIAN Bank ce Next Generation, REC NITIOF y Photo Caption- Shri. Reghunathan K N, EVP (Treasury), South Indian Bank receiving National Payments Excellence Award for RuPay instituted by NPCI from Shri. B. P. Kanungo, Deputy Governor, RBI, in the presence of Biswamohan Mahapatra, Chairman, NPCI, Mr. V.G. Kannan, Chief Executive, IBA and Dr. A.S. Ramasastri, Director, IDRBT. 55#56Award Wins during FY19 MSME Banking Excellence Award South Indian Bank receiving Best MSME Bank-Runner Up award CIMSME Chamber of Indian Micro Small & Medium Enterprises www.indiansmechamber.com ME BANKING EXCELLENCE YARDS AND ayed Pa nts to SMF JULY 2 IMS Chamber Micro Small & Medi w.indiansmecham ge ns EW DE SOUTH INDIAN Bank Photo Caption- Mr. John Thomas, Country Head (Business Development) receiving Best MSME Bank-Runner Up award, on behalf of South Indian Bank from Shri. Giriraj Singh, Minister of State in charge, Micro, Small & Medium Enterprises. Also seen are Mr. Mukesh Mohan Gupta, President, Chamber of Indian Micro Small & Medium Enterprises (CIMSME) and Mr. Satheesh Kumar KS (JGM & Regional Head, Delhi), South Indian Bank. 56#57Award Wins during FY19 Banking Technology Awards by IBA South Indian Bank receiving Banking Technology 2019 awards instituted by IBA Indian Banks' Association banking technology 2019 awards In an era of Digital Innovation ary 20, 2019, Stis, Mumbai Wedge Partner in Presented by SOUTH INDIAN Bank Photo Caption- Mr. Raphael T J, CGM and CIO of the South Indian Bank and Mr. Sony A, JGM receiving the Banking Technology 2019 awards instituted by IBA from Prof. N. Balakrishnan, Director, Super Computer Education & Research Centre, Indian Institute of Science, Mr. Sunil Mehta, Chairman, Indian Banks' Association (IBA), Mr. R. Sridharan, MD, CCIL- Clearing Corporation of India in the presence of Mr. V. G. Kannan, Chief Executive, IBA. 57#58Award Wins during FY19 SOUTH INDIAN Bank KMA Award 2018 South Indian Bank receiving CSR Award for Banks & NBFCs under Education Sector instituted by Kerala Management Association BANK & NBFC-EDUCATION WINNER Sou India Bok Lt kma Photo Caption- Shri. Raphael T.J (Senior General Manager & CIO, South Indian Bank) receiving CSR Award for Banks & NBFCs under Education Sector instituted by Kerala Management Association from Shri. Kochouseph Chittilappilly (Chairman & CEO, V-Guard Industries Ltd.) in the presence of Dr. George Sleeba (Executive Director, K. Chittilappilly Foundation), Mr. Jose Dominic (MD & CEO, CGH Earth Group), Mr. V. George Antony (Non Executive Vice Chairman, UAE Exchange & Financial Services Ltd.) and Mr. Vivek Krishna Govind (President, KMA & Senior Partner, Varma & Varma Chartered Accountants) 58#59SOUTH INDIAN Bank Company For further information, please contact: The South Indian Bank Ltd. CIN - L65191KL1929PLC001017 Ms. Chithra H, CFO Mr. Vijith S, Dy. General Manager [email protected] [email protected] www.southindianbank.com Investor Relations Advisors Strategic Growth Advisors Pvt. Ltd. CIN U74140MH2010PTC204285 Mr. Shogun Jain / Mr. Sagar Shroff [email protected] / [email protected] +91 77383 77756 / +91 98205 19303 www.sgapl.net 59 59