#1Enjoy the freedom of cashless foreign Travel SIB Travel Card SIA International ATM Gum Debit Card 4375 VALD FROM VALIO THRU ELECTRONIC USE ONLY SOUTH INDIAN Bank OMAN Bank SBI Card Make life simple SimplySAVE 4377 4846 7012 3456 MONTH/YEAR VISA 4377 PLATINUM THRJ VALID 12/20 VISA VIJAY KUMAR Platinum SIB Mahila Mahila SAVINGS BANK & RECURRING DEPOSIT ACCOUNTS SOUTH INDIAN Bank Experience Next Generation Banking Banking that's ahead of its time, within your reach. NPCI Mobile payments are now easier, safer, smarter! Investor Presentation January 2017 -#2Safe Harbor SOUTH INDIAN Bank 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 Hv Q3 FY17 Highlights Business Strategy Performance Matrix SOUTH INDIAN Bank Next Generation Bank An Inflection Point ☑ About Us 3#4Hv Q3 FY17 Highlights 4#5Growth Capital in place SOUTH INDIAN Bank Rights Issue Approved Board of Directors at their meeting on December 21,2016 have approved issue of shares to the existing shareholders of the Bank on Rights basis Right Issue approved by Board To Augment Capital Base To Augment Capital Base Purpose of Rights issue is to augment the capital base to support business expansion and meet Bank's future capital requirements Eligibility of Rights Issue Price Issue Ratio Rights issue to be in the ratio of 1:3 i.e one Equity shares for every three Equity shares held on the record date to be fixed later Issue Price The Rights Issue to be made at a price of Rs. 14/- per equity share including premium of Rs. 13/- per Equity share subject to necessary approvals 5#6Representative Office in Dubai, UAE SOUTH INDIAN Bank Representative office will boost NRI Banking efforts for the Bank and expand NRI Customer base 03 01 10 02 70 RBI Approval Received for opening Representative Office in Dubai, UAE Representative office is in addition to extensive arrangements with leading exchange houses 6#7Key Performance Highlights- Q3 FY17 SOUTH INDIAN Bank Rs in Crores Q3 FY17 Q3 FY16 Growth PPOP 377 263 43.3% Deposits 63,595 53,441 19.0% Advances 45,234 40,601 11.4% CASA 16,486 12,307 34.0% PAT 111.4 101.6 9.6% 7#8UPI Integration - Ahead of the Curve SOUTH INDIAN Bank POWMED BY NPCI Mobile payments are now easier, safer, smarter! Easier: With Single Click Authentication SOUTH INDIAN Bank Safer: Payments by Use of Virtual ID only Smarter: With Pull & Push both Possible UPI SIB M-Pay is one of the first Mobile Banking Applications to be powered with UPI Service 80#9Recent Awards SOUTH INDIAN Bank South Indian Bank receives the FIEO Export Excellence Award 2014-15 in the Best Financial Institution Category (Southern Region) from Smt. Nirmala Sitharaman, Hon'ble Minister of State (Independent Charge) for Commerce & Industry, Govt of India FEDF OF INDIAN EXPORT ORGANISATIONS et up by Ministry of Commerce, Govt. of India) Golden Jublic Celebrations & FIEO uthern Regi t Excellence Awards CH EST tharama rce & Indus 9#10Business Strategy 11: 10 10#11Our Strategy... Expand Retail Business Strengthen SME Base Improve CASA • SOUTH INDIAN Bank Focus on retail loan products Efficient branches for faster processing of loans Continuous training of work force Invest in Brand Building 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 Centralized processes allowing branches to focus on garnering low cost funds Cautious approach on large corporate lending • Enhance Asset Quality Granulize loan portfolio to spread out risk • Improve share of other Income Special recovery cell for monitoring non performing and restructured assets Focus on increasing banking services for SME, Retail & NRI clients Enhance treasury capabilities & increase branch strength • Expand PoS & ATM Network 11#12...Performance in Line with Strategy Expand Retail, SME & Agriculture Business Rs. 25,962 Crs INCREASE 15% YoY SOUTH INDIAN Bank Strengthen SME Base Improve CASA Rs. 10,590 Crs INCREASE 17% YoY Rs. 16,486 Crs INCREASE 34% YoY Enhance Asset Quality (Restructured Book) Rs. 1,295 Crs Improve share of other Income Rs. 259 Crs DECREASE 42% YoY INCREASE 69% YoY 12#13Shall 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 13#14...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 SERVER Loan Processing • 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 14#15...by focus on Housing Loans in Retail Retail Breakup Rs Crs 10,358 10,409 10,093 10,002 9,382 1,094 1,154 1,049 1,063 · 1,057 973 1,094 909 925 872 2,521 2,410 2,446 2,622 1,998 • • 1,501 1,564 1,510 1,535 1,606 . SOUTH INDIAN Bank Housing: Key Initiatives Retail hub in Kochi to increase focus on housing finance Two more hubs to be set up - one in South India and one in North India Branch staff being given specific training to market mortgage loans Marketing initiative through TVCs Tailor made products for different segments 1,455 1,371 1,417 1,432 1,290 2,499 2,614 2,677 2,756 2,828 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Others LAD* Service & Traders Manufacturing Gold Housing *LAD = Loan against deposits Oct to Dec 2016 Housing Loans Sanctioned: 807 Nos. • Amount of Housing Loans Sanctioned - 182 Crs 15#16...becoming a Banker of Choice to SMEs Average SME Loan / Account Rs Lakhs 16.10 15.56 15.76 15.26 15.33 SOUTH INDIAN Bank Loan Book by Geography - Q3 FY17 Rest of India 23% Kerala 43% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 South (Ex- Kerala) 34% • SME Highlights Dedicated DGM appointed to ensure focus and better coordination with regions Focused 'Green Channel' branches to drive faster loan growth to SMEs Target to become banker of choice to SMEs thereby getting other business as well - liabilities, vehicle finance, etc. Ongoing training (in-house as well as external) 16#17...with the help of our Branch Network Total Branch Network SOUTH INDIAN Bank 794 738 688 +4.1% 822 834 840 FY12 FY13 FY14 FY15 FY16 9M FY17 Total ATM Network +14.6% No of Branch Location* 1,287 1,313 Branches 1,200 1,000 Kerala 455 800 663 South India (Ex-Kerala) 245 Rest of India 140 Total 840 FY12 FY13 FY14 FY15 FY16 9M FY17 *Map for illustration purpose only 17#18... and our Experienced Employees Employee Addition SOUTH INDIAN Bank Total Employees: 6,983* 7,048 41 32 5 6,983 3 24% 3% 5% O 31% 37% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Closing < 1 Year 5-10 Years *Employees include full-time officers and clerks. 1-2 Years > 10 Years 2-5 Years 18#19Performance Matrix M 19#20Strong Deposit Franchise Dec-16 53,823 18% 45,503 Dec-15 Core Deposit Dec-16 2,946 SOUTH INDIAN Bank Core & Non-Core Deposits Rs Crs Dec-16 Dec-16 9,772 63,595 23% 19% 7,938 Dec-15 53,441 Non-Core Deposit CASA Deposits Dec-15 Total Deposit Dec-16 13,540 Dec-16 Rs Crs 16,486 38% 33% 34% 2,130 Dec-15 10,177 12,307 Dec-15 Dec-15 Current Deposit Savings Deposit Total CASA 20#21Core Deposits Growing... Breakup of Deposits Rs Crs 63,595 60,192 57,889 55,721 53,441 SOUTH INDIAN Bank CASA Deposit Rs Crs +34% 16,486 2,946 12,307 2,130 13,540 10,177 37,415 36,279 35,230 34,059 Dec-15 Dec-16 33,204 Current Savings Term Deposits +13% 13,540 11,299 10,476 11,267 10,177 2,399 1,983 2,187 2,946 33,204 [2,130 7,930 9,203 9,205 10,215 9,693 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Term Savings Current Others* *Others includes: Bulk, Certificates of Deposits 37,415 Rs Crs Dec-15 Dec-16 21 24#22NRI Deposits Growing... NRI Deposits +20% Rs Crs 16,317 15,476 15,025 14,303 13,566 CASA SOUTH INDIAN Bank 23.0 23.2 22.8 22.4 In (%) 25.9 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 22#23Composition of Loan Book Corporate Advances (Above Rs 25 Crs) Rs Crs 17,982 16,584 17,198 16,099 15,998 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Retail Advances 10,590, 23.41% SOUTH INDIAN Bank Segment wise Break Up 6,253, 13.82% Rs Crs 1,290, 2.85% 27,230 27,252 25,686 26,026 24,017 9,119, 20.16% Rs Crs 17,982, 39.75% ■Corporate SME Retail Ex Gold ■Gold Agriculture Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 23 23#24Key Focus: Retail, SME & Agriculture Retail excluding Gold Gold (Average LTV - 65%) Rs Crs Rs Crs SOUTH INDIAN Bank 8,721 8,585 8,925 9,119 1,455 1,371 1,417 1,432 7,927 1,290 Retail Loans (Excl. Gold), Agriculture & SME has Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Agriculture Rs Crs SME Rs Crs 5,549 5,770 6,194 6,442 6,253 9,086 9,823 9,830 10,430 10,590 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 grown by 15% ~16% of the Agriculture & SME Loans are backed by Additional Security by way of GOLD 24 14#25Advances growing across Regions SOUTH INDIAN Bank Rs Crs 45,234 44,428 41,785 42,024 40,601 13,413 13,632 12,549 12,715 12,440 13,923 14,054 13,556 13,315 13,178 14,983 15,680 15,994 17,092 17,548 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Rest of India South Ex- Kerala Kerala 25#26Net Interest Income - Quarter Net Interest Income SOUTH INDIAN Bank Cost of Deposits & Yield on Advances Rs Crs In % Cost Of Deposit Yeild on Advances 445 407 418 374 374 11.21 10.89 10.56 10.59 10.32 7.38 7.24 6.98 6.75 6.53 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 Net Interest Margin Cost of Funds & Yield on Funds In % In % Cost of Funds Yield on Funds 2.92 2.63 2.74 2.75 2.66 9.21 8.78 8.73 8.66 8.32 6.55 6.38 6.30 6.18 5.97 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 26#27Net Interest Income - Cumulative SOUTH INDIAN Bank Net Interest Income Cost of Deposits & Yield on Advances Rs Crs In % Cost of Deposits Yield on Advances 1,510 1,135 1,236 11.36 11.18 10.89 10.73 10.59 819 374 7.58 7.52 6.98 6.86 6.75 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar -16 Jun -16 Sept -16 Dec-16 Net Interest Margin In % 2.76 2.73 2.74 2.75 2.72 Cost of Funds & Yield on Funds In % Cost of Funds Yield on Funds 9.29 9.18 8.73 8.80 8.63 6.77 6.69 6.30 6.32 6.20 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun -16 Sept-16 Dec-16 27#28Improving Operating Efficiency Employee Additions C/I Ratio SOUTH INDIAN Bank In % 3 5 56.60 56.62 -32 -41 52.57 51.08 -75 48.53 Dec-15 Mar -16 Jun -16 Sept -16 Dec-16 Dec-15 Mar-16 Jun -16 Sept -16 Dec -16 Business per Employee Business per Branch Rs Crs Rs Crs 13.0 13.2 13.5 115 117 119 11.9 12.0 108 108 " Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 28#29Sustainable Other Income Total Other Income led by .... SOUTH INDIAN Bank ...Sustainable : Transaction Fees + Technology 173 153 139 146 Rs Crs 259 Rs Crs 79 76 74 67 67 44 52 52 54 48 45 23 23 25 26 22 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Transaction Fees Technology Profit on Sale of Investments, Forex & Others Rs Crs 8 Details 57 HTM Investment Book as on Dec-16 Rs. Crs M Duration 13,492 5.61 22 24 5 AFS 14 10 13 16 127 4,161 4.38 23 50 57 51 30 HFT 1 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Total 17,654 5.36 Forex Other Profit on Sale of Investments 29 29#30Break Up of Provisions Rs Crs For NPA & NPI SOUTH INDIAN Bank Q3-FY 17 Q3-FY 16 Q2-FY 17 167.0 83.9 166.4 For Depreciation on Investments 12.8 12.2 -24.8 For Standard Assets 1.9 10.9 -4.8 For Restructured Advances/Sacrifices & FITL -16.9 -1.7 -12.1 For Unhedged Forex Exposure Others Taxes -0.9 -1.2 3.8 42.7 2.4 -0.1 59.0 55.0 58.5 Total Provisions 265.6 161.4 186.8 30#31Non Performing Assets Gross NPA 3.77% 3.96% 3.96% 3.98% 2.75% 1.80% SOUTH INDIAN Bank Net NPA 2.89% 2.89% 2.77% 2.52% Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 Gross NPA Movement Net NPA Movement Rs Crs Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 Rs Crs Dec-15 Mar-16 Jun-16 Sept -16 Dec -16 Opening 892 1,108 1,562 1,651 1,745 Opening 550 716 1,185 1,192 1,206 Additions 367 845 125 226 197 Additions 311 664 105 135 125 Deductions 151 391 36 132 155 Deductions 145 195 98 121 216 Closing 1,108 1,562 1,651 1,745 1,787 Closing 716 1,185 1,192 1,206 1,116 31#32Restructured Advances Breakup Restructured Assets Break-up Sector Standard Restructure - Q3FY17 SOUTH INDIAN Bank 2,236 306 Rs Crs 1,392 1,387 1,293 1,295 443 442 532 34% 1,930 653 949 945 761 642 UJWAL BHARAT UDAY Scheme to Benefit Government's Uday Scheme targeted towards power Discoms benefiting SIB 17% O 49% Benefits of Uday getting reflected in Restructured Book Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Restructured NPA Restructured Standard Advance *Other includes IT, Bullion, etc. Power Discoms | Construction EPC Others 32 32#33Restructured Standard Asset Book SOUTH INDIAN Bank Rs Crs Restructured Standard Advance Increase in Opening Fresh Addition Existing Balance Uday - SDL Investments Decrease in Balance Slippages to Closing NPA Balance DISCOMS 113 0 0 0 -2 0 111 Construction 411 0 0 0 0 -98 313 EPC Others 237 0 1 0 -4 -16 218 Total 761 0 1 0 -6 -114 642 33#34Movement in Restructured Accounts 1,293 Movement in Restructured Accounts 201 Rs Crs = 12 SOUTH INDIAN Bank Shift of focus from Large Corporate to SMEs Defocusing from 1,295 Power & Infra Sectors Special Recovery Cell & Asset Monitoring Cell Opening Fresh Additions Inc. in Upgradation Dec. in Balance in Standard Balance Category Closure incl write-off Closing 34#35Adequate Provisioning NPA Provisioning 516.6 174.0 41.6 648.9 Opening Additions Deductions Closing Rs Crs SOUTH INDIAN Bank Provisioning Coverage Ratio 50.2% Advances in the Initial quarters as NPAs : Requiring Less Provisioning 35#36Fresh Slippages/Advance Ratios 0.15% 0.86% Retail Slippage Agriculture Slippage SOUTH INDIAN Bank 0.49% 0.38% 0.55% 0.34% 0.35% 0.23% 0.11% 0.02% Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 SME Slippage 0.61% 0.55% 0.51% 0.39% 0.27% 1.80% Corporate Slippage 4.42% 0.00% 0.64% 0.65% Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 Dec-15 Mar-16 Jun-16 Sept-16 Dec-16 36#37Well Capitalized to support Growth SOUTH INDIAN Bank BASEL III 11.8 11.7 11.7 11.1 11.1 2.0 2.3 1.8 1.7 1.7 9.8 9.9 9.5 9.4 9.4 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 In % 37#38Balance Sheet Overview- Q3 FY17 SOUTH INDIAN Bank Rs Crs Q3-FY 17 Q3-FY 16 Y-0-Y (%) Q2-FY 17 Q-0-Q (%) Capital & Liabilities 71,446 60,269 18.55% 67,054 6.55% Capital 135 135 0.12% 135 0.08% Reserves and Surplus 4,141 3,715 11.48% 4,027 2.85% Deposits 63,595 53,441 19.00% 60,192 5.65% Borrowings 2,205 1,665 32.45% 1,499 47.13% Other Liabilities & Provisions 1,369 1,312 4.34% 1,201 14.00% Assets 71,446 60,269 18.55% 67,054 6.55% Cash & Balances with RBI 3,576 2,367 51.10% 2,832 26.28% Balances with Banks 1,420 249 471.30% 404 251.18% Investments 17,576 13,259 32.56% 15,777 11.40% Advances 44,256 39,909 10.89% 43,548 1.63% Fixed Assets 595 485 22.51% 598 -0.57% Other Assets 4,023 4,000 0.59% 3,894 3.32% Business (Advances + Deposits) 107,850 93,350 15.53% 103,740 3.96% Current Accounts 2,946 2,130 38.32% 2,399 22.83% Savings Accounts 13,540 10,177 33.04% 11,299 19.83% CASA Ratio 25.92% 23.03% 289 bps 22.76% 317 bps 38#39Profit & Loss Overview- Q3 FY17 Rs Crs SOUTH INDIAN Bank Q3-FY17 Q3-FY 16 Y-0-Y (%) Q2-FY17 Q-0-Q (%) Net Interest Income 417.52 406.72 2.66% 445.18 -6.21% Other Income Total Income 258.51 153.32 68.61% 145.90 77.18% 676.03 560.04 20.71% 591.08 14.37% Operating Expenses 299.06 296.97 0.70% 293.74 1.81% Operating Profit 376.97 263.07 43.30% 297.34 26.78% Provisions (Ex-Tax) & 206.63 106.39 94.22% 128.33 61.01% Contingencies Profit Before Tax 170.34 156.68 8.72% 169.01 0.79% Provision for Tax 58.96 55.05 7.10% 58.49 0.80% Profit After Tax 111.38 101.63 9.59% 110.52 0.78% 39#40Key Metrics- Quarterly SOUTH INDIAN Bank Particulars Net Interest Margin (NIM) CRAR Basel III ROAA (Annualized) Provision Coverage CASA Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% FY15 Q1 Q2 Q3 Q4 Q1 Q4 Q1 Q2 Q3 2.6% 2.7% 2.8% 2.7% Q2 Q3 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.7% 11.1% 11.1% 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.6% 0.7% 0.6% 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.6% 46.1% 50.2% 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.2% 22.8% 25.9% 4.0% 4.0% 4.0% FY16 FY17 Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% Book Value per Share (Rs.) 25.9 26.5 27.1 26.6 27.1 27.8 2.2% 2.8% 3.8% 1.4% 1.8% 2.9% 2.9% 2.8% 2.5% 28.5 28.4 30.0 30.8 31.6 Earnings per Share (Rs.) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 (Annualized) Branches Kerala 439 440 441 444 447 447 447 449 453 454 455 - South India (Ex-Kerala) 230 232 233 239 242 244 244 245 245 245 245 Rest of India 132 133 136 139 139 140 140 140 140 140 140 Total Branches 801 805 810 822 828 831 831 834 838 839 840 ATMs Kerala 565 587 607 651 670 682 688 698 701 713 718 - South India (Ex-Kerala) 297 313 325 365 378 380 384 387 388 391 393 Rest of India 156 163 176 184 196 198 200 202 202 202 202 Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 40#41Next Generation Bank 41#42Present across Customer Touch Points Traditional & Alternate Channels SOUTH INDIAN Bank Mobile Banking Upgrade to SIB M-Pay Mobile Banking Service from South Indian Bank ATMs ATM3DW 1,313 ATMs across India Mobile Banking SOUTH INDIAN Bank Branches 840 Branches & 45 Extension Counters SIBerNeT SIB POS Internet Banking Point of Sale 42#43Technology Initiatives SOUTH INDIAN Bank SIB Mirror is a mobile-led platform with instant account access, balance retrieval, immediate fund transfers, all account intimations, and much more WTAO 0 39 SIB-er Net is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers SHAKE TO TRANSFER MONEY AND DO MUCH MORE. SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions SERVER Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools SBI Card SimplySAVE SIB has offered new initiatives such as Co-branded Credit Cards with SBI and is amongst the 1st to introduce M-Pay a mobile banking application powered with UPI Service 4377 4846 7012 3456 12/20 VISA Platinum VIJAY KUMAR Mobile payments are now easier, safer, smarter!#44Personal Banking: Technology Banking Active Internet Users (000)'s Internet Transaction Volume (000)'s 1,254 175 157 133 134 141 SOUTH INDIAN Bank Internet Transaction Value Rs Crs 3,293 3,054 2,515 2,551 2,385 785 591 611 663 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 (000)'s Mobile Transaction Volume Mobile Transaction Value Rs Crs 1,175 913 748 670 507 350 233 170 124 599 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 44#45Personal Banking: Debit Cards In Millions No of Active Debit Cards 3.0 3.4 3.3 3.3 3.2 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Rs Crs SOUTH INDIAN Bank Debit Card Transaction Volumes In Millions 30.4 30.8 31.4 28.9 27.1 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Debit Card Transaction Value 5,777 5,929 5,164 5,375 4,028 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Transaction volumes and value dropped in December 2016 quarter owing to large number of ATM's being non- operational and volume restriction due to demonetisation 45#46An Inflection Point 46 46#47Moving Towards Vision 2020... SOUTH INDIAN Bank Appointed International Finance Corporation Entered Memorandum of Understanding with NSIC Opened Centralized Marketing & Processing Centre ■ Provides advisory support to bank on the medium and long term strategy for significant growth in retail, ■ Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank ■ Houses the Bank's Marketing Dept, Retail Loan Hub and Transaction Banking Dept agriculture and SME sectors ....to become Retail Banking Power House 47#48About Us 48 48#49Milestones 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 49 49#50Expansion over a Decade 440 Branch Network ~2X 834 449 263 245 121 140 56 FY06 FY16 Kerala ATM Network SOUTH INDIAN Bank ~9x 1,287 698 387 144 66 202 40 38 FY06 FY16 South Ex-Kerala Others (Rest of India) 50#51Performance over a Decade Net Interest Income 310 FY06 Rs Crs CAGR : 17% 1,510 FY16 51 FY06 SOUTH INDIAN Bank Profit After Tax Rs Crs CAGR : 21% 333 FY16 Business (Advances + Deposits) Gross NPA Rs Crs In % CAGR : 20% 122bps 96,806 4.99 15,949 3.77 FY06 FY16 FY06 FY16 51#52Leadership Team Mr. V. G Mathew, MD & CEO SOUTH INDIAN Bank Post Graduate in Physics and CAIIB with over 37 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 52#53Leadership Team Mr. Thomas Joseph K, EVP (Administration) • • 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 53#54• Management Team Mr. John Thomas, Senior General Manager (Business Development Department) Bachelors Degree in Science, MBA and CAIIB SOUTH INDIAN Bank Mr. Benoy Varghese, Senior General Manager (Credit Department) Bachelors Degree in Arts & Masters Degree in Business Administration and CAIIB Mr. Raphael T.J., Senior General Manager (Marketing & Information Technology) Bachelors Degree in Commerce, Masters in EXIM, Diploma in Financial Management and CAIIB Mr. Bobby James, Senior General Manager (Inspection & Vigilance) Bachelors Degree in Commerce, C.A. (Inter) and JAIIB . Mr. Paul V.L., General Manager (Administration) Masters Degree in Arts and Post Graduate Diploma in Personnel Management & JAIIB Mr. Anto George T., General Manager (Delhi Regional Office) Bachelors Degree in Arts & Post Graduate Diploma in Computer Application, Certification in RDBMS & Oracle 8i and JAIIB 54#55Management Team SOUTH INDIAN Bank Mr. C.P. Gireesh, Chief Financial Officer Bachelors Degree in Mathematics Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of Banking & Finance Mr. Jacob EA, Chief Compliance Officer Mr. Jimmy Mathew, Company Secretary Bachelors Degree in Science & CAIIB - I 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 55#56Awards & Recognition SIB wins 'Social Banking Excellence Award instituted by ASSOCHAM" CALELLE WINNI Clase Smal Category Urb ASSOCHAM 11th ANNUAL BANKING SUMMIT-CUM-SOCIAL BANKING EXCELLENCE AWARDS 2015 WINNER Class: Smak Category: Urking SOUTH INDIAN Bank SIB wins prize in IDRBT Banking Application AN DRB Contest Explore, Eable, Excel tends a Watan W me to NG PPLICTION CO (IBA onsor -20) SIB wins Master Card Innovation Award Do it yourself PIN to activate the card ✰ Green PIN, a green in effortless and hassle customers the usage Green hus ve from South Indian Bank offer IN ger ng close on process for the the nat by avoidi cional P mailer Econ reques No d 56#57Company: For further information, please contact: The South Indian Bank Ltd. CIN L65191KL1929PLC001017 - Mr. C. P. Gireesh, CFO [email protected] www.southindianbank.com Investor Relations Advisors: Strategic Growth Advisors Pvt. Ltd. CIN U74140MH2010PTC204285 Ms. Payal Dave / Mr. Shogun Jain [email protected]/[email protected] +91 98199 16314 / +91 77383 77756 www.sgapl.net 44 57 SOUTH INDIAN Bank