#1Gift Card SOUTH INDIAN Bank waua veno 5089 65XX XXX SOWY ALD 05/16 05/34 CARDHOLDER NAME XXX RuPay PREPAID SBELVID SOUTH INDIAN Bank International ATM Gum Debit Card 4375 VALD FROM VALIO THRU SBI Card SOUTH. INDIAN Bank Make life simple SimplySAVE 4377 4846 7012 3456 MONTH/YEAR VISA 4377 ELECTRONIC USE ONLY PLATINUM THRU VALID 12/20 VISA VIJAY KUMAR Platinum SOUTH INDIAN Bank Experience Next Generation Banking Banking that's ahead of its time, within your reach. NPC Mobile payments are now easier, safer, smarter! Investor Presentation - July 2017#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. 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This presentation can not be copied and/or disseminated in any manner. 2#3Contents ☑Q1 FY18 Highlights Business Strategy Performance Matrix Next Generation Bank SOUTH INDIAN Bank An Inflection Point ☑ About Us 3#4Hv Q1 FY18 Highlights#5Key Performance Highlights- Q1 FY18 SOUTH INDIAN Bank Rs Crs CASA Deposits Advances Q1 FY18 16,586 Q1 FY18 65,791 Q1 FY18 47,264 Q1 FY17 13,454 Q1 FY17 57,889 Q1 FY17 42,024 23% 14% Net Interest Income Other Income Q1 FY18 461 Q1 FY18 219 Q1 FY17 374 Q1 FY17 173 23% 26% PPOP PAT Q1 FY18 379 Q1 FY18 101 Q1 FY17 259 Q1 FY17 95 46% 7% 12% We have 'ZERO' accounts in our Watchlist of Large Corporate Book 5#6Recent Updates SOUTH INDIAN Bank SOUTH INDIAN Bank PFG FOREX South Indian Bank has tied up with PFG Forex for remittance facility for the benefit of Indian expatriates from Australia Under this arrangement, NRIs can enjoy cost-effective and fast remittance services using SIB's Express facility NRIs can visit the PFG Forex outlets across Australia for remittances to India m SBI Life kotak INSURANCE With Us, You're Sure MAX C Life Insurance A JOINT VENTURE WITH OLD MUTUAL Bupa HEALTH INSURANCE ® South Indian Bank has tied up with Kotak Life and SBI Life for Life Insurance and Max Bupa for Health Insurance distribution The strong growth witnessed by the these insurance majors will help in boosting fee income for SIB SIB will leverage on the strong risk management expertise of these insurance majors to bolster the product offering to its customer base 6#7Business Strategy 7#8Our Strategy... SOUTH INDIAN Bank Focus on retail loan products Efficient branches for faster processing of loans Continuous training of work force Expand Retail Business Invest in Brand Building Advanced technology for ease of customers Strengthen SME Base • Cluster based approach in industry hubs Sole Banker to SMEs for all banking needs Dedicated vertical to penetrate SME banking Improve CASA Strategy & Road map in place to increase CASA funds Centralized processes allowing branches to focus on garnering low cost funds Enhance Asset Quality Improve share of other Income • Granulize loan portfolio to spread out risk • • • • Cautious approach on large corporate lending Special recovery 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 Leveraging technology to introduce modern & new-age banking products 8#9...Performance in Line with Strategy Expand Retail, SME & Agriculture Business Rs. 28,367 Crs INCREASE 15% YoY SOUTH INDIAN Bank Strengthen SME Base Improve CASA Rs. 10,851 Crs Rs. 16,586 Crs INCREASE 10% YoY Enhance Asset Quality (Restructured Book) Rs. 501 Crs Improve share of other Income Rs. 219 Crs DECREASE 64% YoY INCREASE 26% YoY INCREASE 23% YoY 9#10Shall 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 10#11...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 11#12...by focus on Housing Loans in Retail Retail Breakup +20% 12,002 11,566 1,369 10,358 10,409 1,329 · 10,002 986 1,094 1,154 801 1,063 1,094 909 925 3,127 3,252 2,410 2,446 2,622 2,085 2,041 1,510 1,535 1,606 1,417 1,432 1,290 1,321 1,361 • . 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 Rs Crs Apr to Jun 2017 2,677 2,756 2,828 2,903 2,993 • Mortgage Loans Sanctioned : 1,155 Nos. • Amount of Mortgage Loans Sanctioned – 316 Crs Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Others LAD* Service & Traders Manufacturing Gold Housing *LAD = Loan against deposits 12 12#13...becoming a Banker of Choice to SMEs Average SME Loan / Account 17.66 16.10 15.56 15.76 Rs Lakhs 19.69 - SOUTH INDIAN Bank SME Loan Book by Geography – Q1 FY18 Rest of India 24% South (Ex- Kerala) 33% O SME Highlights Kerala 43% Dedicated JGM 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. Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 • Ongoing training (in-house as well as external) 13#14...with the help of our Branch Network Total Branch Network SOUTH INDIAN Bank 794 822 738 +2.9% 834 850 851 FY13 FY14 FY15 FY16 FY17 Q1 FY18 Total ATM Network +10.9% Branch Location* No of Branches 1,287 1,320 1,344 1,200 1,000 Kerala 463 800 South India (Ex-Kerala) 246 Rest of India 142 Total 851 FY13 FY14 FY15 FY16 FY17 Q1 FY18 *Map for illustration purpose only 14#15... and our Experienced Employees Employee Addition SOUTH INDIAN Bank Total Employees: 7,256* 6,975 3 5 279 7,256 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Closing *Employees include full-time officers and clerks. 26% 7% 1% 33% O 33% < 1 Year 5-10 Years 1-2 Years > 10 Years 2-5 Years 15#16Performance Matrix M 16#17Strong Deposit Franchise Jun-17 55,712 Core & Non-Core Deposits Jun-17 10,079 15% 48,634 Jun-16 Core Deposit Jun-17 3,064 SOUTH INDIAN Bank Rs Crs Jun-17 65,791 9% 9,255 Jun-16 Non-Core Deposit CASA Deposits 14% 57,889 Jun-16 Total Deposit Jun-17 13,522 Jun-17 Rs Crs 16,586 40% 20% 23% 2,187 11,267 13,454 Jun-16 Jun-16 Jun-16 Current Deposit Savings Deposit Total CASA 17#18Core Deposits Growing... Breakup of Deposits Rs Crs 66,117 65,791 63,595 60,192 57,889 SOUTH INDIAN Bank CASA Deposit Rs Crs +23% 16,586 3,064 13,454 2,187 13,522 11,267 38,498 39,162 37,415 36,279 35,230 Jun-16 Jun-17 Current Savings Term Deposits 12,994 11,299 13,540 13,522 11,267 2,753 [2,187] 2,399 2,946 3,064 35,230 9,205 10,215 9,693 11,874 10,043 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Term Savings Current Others* *Others includes: Bulk, Certificates of Deposits +11% 39,162 Jun-16 Jun-17 Rs Crs 18#19NRI Deposits Growing... NRI Deposits Rs Crs 17,389 16,821 16,317 15,476 15,025 CASA SOUTH INDIAN Bank In (%) 25.9 25.2 23.2 23.8 22.8 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 19#20Composition of Loan Book Corporate Advances (Above Rs 25 Crs) Rs Crs 17,982 17,198 17,901 17,536 15,998 SOUTH INDIAN Bank Retail Advances Rs Crs 29,183 29,728 26,026 27,230 27,252 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Segment wise Break Up of Total Loan Book Rs Crs 6,876, 14.55% 17,536, 10,851, 22.96% O 37.10% 1,361, 10,641, 2.88% 22.51% ■Corporate Retail Ex Gold ■Gold SME ■Agriculture 20 20#21Key Focus: Retail, SME & Agriculture Retail excluding Gold Rs Crs Gold (Average LTV - 65%) SOUTH INDIAN Bank Rs Crs 10,245 10,641 8,585 8,925 9,119 1,417 1,432 1,290 1,321 1,361 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Agriculture Rs Crs SME Rs Crs 6,194 6,442 6,253 6,633 6,876 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Retail Loans (Excl. Gold), Agriculture & SME has grown by 15% 9,830 10,430 10,590 10,984 10,851 ~17% of the Agriculture & SME Loans are backed by Additional Security by way of GOLD Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 21#22Advances growing Across Regions SOUTH INDIAN Bank Rs Crs 47,084 47,264 45,234 44,428 42,024 14,170 13,541 13,632 13,413 12,715 15,034 14,693 13,923 14,054 13,315 15,994 17,092 17,548 18,221 18,689 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Rest of India South Ex- Kerala Kerala 22#23Net Interest Income - Quarter Net Interest Income +23% SOUTH INDIAN Bank Cost of Deposits & Yield on Advances Rs Crs In % Cost Of Deposit Yeild on Advances 445 461 439 418 374 10.89 10.59 10.32 9.97 10.06 6.98 6.75 6.53 6.33 6.24 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 Net Interest Margin Cost of Funds & Yield on Funds In % In % Cost of Funds Yield on Funds 06 bps 2.74 2.75 2.66 2.74 2.80 8.73 8.66 8.32 8.16 8.14 6.30 6.18 5.97 5.72 5.62 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 23#24Net Interest Income - Cumulative Net Interest Income +23% 1,675 1,236 819 374 Rs Crs SOUTH INDIAN Bank Cost of Deposits & Yield on Advances In % Cost of Deposits Yield on Advances 10.89 10.73 10.59 10.43 10.06 6.98 6.86 6.75 6.64 461 6.24 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun -16 Sept -16 Dec-16 Mar -17 Jun -17 Net Interest Margin In % 06 bps 2.74 2.75 2.72 2.72 2.80 Cost of Funds & Yield on Funds In % Cost of Funds Yield on Funds 8.73 8.80 8.63 8.50 8.14 6.30 6.32 6.20 6.06 5.62 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun -16 Sept-16 Dec-16 Mar -17 Jun -17 24#25Improving Operating Efficiency Employee Additions C/I Ratio SOUTH INDIAN Bank 279 52.57 51.08 48.53 49.20 In % 3 5 -6 44.19 -32 Jun -16 Sept -16 Dec-16 Mar -17 Jun -17 Jun -16 Sept -16 Dec -16 Mar -17 Jun -17 Business per Employee Business per Branch Rs Crs Rs Crs 13.0 13.2 13.5 13.8 14.3 129 115 117 119 120 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 25#26Sustainable Other Income Total Other Income led by .... SOUTH INDIAN Bank ...Sustainable : Transaction Fees + Technology 173 146 259 138 Rs Crs Rs Crs 86 84 79 219 74 67 59 54 54 48 45 25 26 22 27 30 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Transaction Fees Technology Profit on Sale of Investments, Forex & Others Rs Crs Details 57 Investment Book as on Jun-17 Rs. Crs M Duration HTM 13,873 5.66 39 24 S AFS 4,645 3.69 13 16 127 9 89 57 51 25 18 HFT 49.47 6.93 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Total 18,568 5.32 Forex Other Profit on Sale of Investments 26#27Break Up of Provisions Rs Crs For NPA & NPI SOUTH INDIAN Bank Q1-FY 18 Q1-FY 17 Q4-FY 17 184.4 93.1 231.6 For Depreciation on Investments 26.1 -5.4 23.3 For Standard Assets -6.9 22.2 -21.1 For Restructured Advances/Sacrifices & FITL -0.2 4.1 -34.0 For Unhedged Forex Exposure Others Taxes -0.7 0.3 -2.4 21.7 -0.2 -32.2 53.7 50.3 40.0 Total Provisions 278.0 164.4 205.3 27#28Non Performing Assets Net NPA SOUTH INDIAN Bank Gross NPA 3.96% 3.96% 3.98% 2.89% 2.77% 3.61% 2.52% 2.45% 1.45% 2.54% Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 Gross NPA Movement Net NPA Movement Rs Crs Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 Rs Crs Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 Opening 1,562 1,651 1,745 1,787 1,149 Opening 1,185 1,192 1,206 1,116 675 Additions 125 226 197 1,150 686 Additions 105 135 125 991 580 Deductions 36 132 155 1,788 140 Deductions 98 121 216 1,432 72 Closing 1,651 1,745 1,787 1,149 1,696 Closing 1,192 1,206 1,116 675 1,183 28#29Stressed Assets - QoQ Rs Crs NPA SOUTH INDIAN Bank Gross Basis Net Basis Q4-FY 17 Q1-FY 18 Q4-FY 17 1,149 1,696 675 Q1-FY 18 1,183 Restructured Standard Advance 309 240 309 240 Other Stressed Advances 606 0 606 Total Stressed Assets 2,064 1,936 1,590 1,423 Advances 46,846 46,992 46,366 46,474 Stressed Assets as % of Advances 4.41% 4.12% 3.43% 3.06% We have 'ZERO' accounts in our Watchlist of Large Corporate Book 29#30Restructured Advances Breakup Restructured Assets Break-up SOUTH INDIAN Bank Sector Standard Restructure - Q1FY18 1,387 1,293 1,295 442 532 653 Rs Crs 571 501 945 262 761 261 642 9% 16% 75% 309 240 Infra Roads Construction EPC Others Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Restructured NPA Restructured Standard Advance 30#31Rs Crs Restructured Standard Asset Book SOUTH INDIAN Bank Restructured Standard Advance Increase in Opening Fresh Addition Existing Balance Uday - SDL Investments Decrease in Balance Slippages to Closing NPA Balance Infra Roads 176 Construction EPC 22 22 3 179 22 22 Others 110 2 73 39 Total 309 5 73 240 31#32Movement in Restructured Accounts 571 Movement in Restructured Accounts =5= = 73 Rs Crs 501 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 Power & Infra Sectors Special Recovery Cell & Asset Monitoring Cell 32 2#33Adequate Provisioning NPA Provisioning 451.0 102.6 141.4 489.7 Opening Additions Deductions Closing Rs Crs SOUTH INDIAN Bank Provision Coverage - Ratio 44.64% NPAs in the initial period of recognition require lower provisioning 33#34Fresh Slippages/Advance Ratios Retail Slippage 0.55% 0.35% 0.11% Agriculture Slippage SOUTH INDIAN Bank 0.86% 0.90% 0.61% 0.49% 0.38% 0.34% 0.27% Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 SME Slippage 0.85% 0.64% 0.55% 0.51% 0.39% Corporate Slippage 3.51% 2.37% 0.65% 0.64% 0.00% Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 Jun-16 Sept-16 Dec-16 Mar-17 Jun-17 34#35Well Capitalized to support Growth SOUTH INDIAN Bank BASEL III In % 12.4 12.1 11.7 11.1 1.5 11.1 1.4 1.8 1.7 1.7 10.9 10.8 9.9 9.5 9.4 Jun-16 Sep-16 Dec-16 Tier 2 Tier 1 Mar-17 Jun-17 35#36Balance Sheet Overview- Q1 FY18 SOUTH INDIAN Bank Rs Crs Q1-FY 18 Q1-FY 17 Y-0-Y (%) Q4-FY 17 Q-0-Q (%) Capital & Liabilities 73,195 64,504 13.47% 74,312 -1.50% Capital 180 135 33.56% 180 0.03% Reserves and Surplus 4,822 3,916 23.15% 4,665 3.36% Deposits 65,791 57,889 13.65% 66,117 -0.49% Borrowings 1,147 1,395 -17.77% 1,958 -41.41% Other Liabilities & Provisions 1,255 1,169 7.33% 1,391 -9.82% Assets 73,195 64,504 13.47% 74,312 -1.50% Cash & Balances with RBI 3,206 2,602 23.23% 3,078 4.15% Balances with Banks 321 827 -61.16% 810 -60.33% Investments 18,499 15,386 20.24% 19,430 -4.79% Advances 46,498 41,237 12.76% 46,389 0.23% Fixed Assets 653 594 9.94% 656 -0.44% Other Assets 4,018 3,858 4.15% 3,949 1.75% Business (Advances + Deposits) 1,12,289 99,126 13.28% 1,12,507 -0.19% Current Accounts 3,064 2,187 40.12% 2,753 11.32% Savings Accounts 13,522 11,267 20.02% 12,994 4.07% CASA Ratio 25.21% 23.24% 197bps 23.82% 139bps 36#37Profit & Loss Overview- Q1 FY18 Rs Crs SOUTH INDIAN Bank Q1-FY18 Q1-FY 17 Y-0-Y (%) Q4-FY17 Q-0-Q (%) Net Interest Income 461 374 23.30% 439.10 4.92% Other Income Total Income 219 173 26.45% 137.71 59.25% 680 547 24.30% 576.81 17.89% Operating Expenses 301 288 4.49% 296.01 1.52% Operating Profit 379 259 46.25% 280.80 35.15% Provisions (Ex-Tax) & 224 114 96.58% 165.30 35.70% Contingencies Profit Before Tax 155 145 6.75% 115.50 34.36% Provision for Tax 54 50 6.76% 39.96 34.41% Profit After Tax 101 95 6.75% 75.54 34.34% 37#38Key Metrics- Quarterly SOUTH INDIAN Bank Particulars Q1 Net Interest Margin (NIM) CRAR Basel III ROAA (Annualized) Provision Coverage CASA Gross NPA FY16 FY17 FY18 Q2 Q3 Q4 Q1 FY15 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% 2.7% 2.8% 2.7% 2.7% 2.8% 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.7% 11.1% 11.1% 12.4% 12.1% 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.6% 0.7% 0.6% 0.4% 0.6% 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.6% 46.1% 50.2% 55.1% 44.6% 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.2% 22.8% 25.9% 23.8% 25.2% 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% 4.0% 4.0% 4.0% 2.5% 3.6% 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% 2.9% 2.8% 2.5% 1.5% 2.5% Net NPA Book Value per Share (Rs.) 25.9 26.5 27.1 26.6 27.1 27.8 28.5 28.5 30.0 30.8 31.6 26.9 27.7 EPS (Rs.) (Annualized) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 2.6 2.3 Branches - Kerala 439 440 441 444 447 South India (Ex-Kerala) 230 232 233 239 242 Rest of India 132 133 136 139 Total Branches 801 805 810 822 447 447 449 453 454 455 244 244 245 245 245 245 139 140 140 140 140 140 140 141 142 828 831 831 834 838 839 840 850 851 463 463 246 246 ATMs - Kerala 565 587 607 651 670 682 325 365 378 380 688 384 698 701 713 718 724 745 387 388 391 393 394 396 - South India (Ex-Kerala) 297 313 156 163 176 184 196 198 200 202 202 202 202 202 203 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 1,320 1,344 Rest of India Total ATMs 38#39Next Generation Bank 39#40Present across Customer Touch Points Traditional & Alternate Channels SOUTH INDIAN Bank SIB Mirror + ATMs ATM3DW 1,344 ATMs across India Mobile Banking SOUTH INDIAN Bank Branches 851 Branches & 51 Extension Counters SIBerNeT SIB POS Internet Banking Point of Sale 40 40#41Technology Initiatives HO!! 0 SHAKE TO TRANSFER MONEY AND DO MUCH MORE. 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 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 SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions SEUVER Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools 41#42Personal Banking: Technology Banking Internet Transaction Volume Active Internet Users (000)'s (000)'s SOUTH INDIAN Bank Internet Transaction Value Rs Crs 899 4,489 4,700 839 785 205 663 192 3,293 611 3,054 175 157 2,551 141 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 (000)'s Mobile Transaction Volume 1,412 1,328 1,175 913 748 Mobile Transaction Value Rs Crs 350 233 599 1,008 1,026 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 42#43Personal Banking: Debit Cards In Millions 3.4 No of Active Debit Cards 3.2 3.3 3.3 3.2 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 SOUTH INDIAN Bank Debit Card Transaction Volumes In Millions 33.7 33.6 30.8 31.4 27.1 Debit Card Transaction Value Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Rs Crs 6,655 5,777 5,929 5,480 4,028 Jun-16 Sep-16 Dec-16* Mar-17 Jun-17 *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 43#44An Inflection Point 44#45Moving 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 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 FY07 Branch Network 465 ~2X 850 463 277 246 SOUTH INDIAN Bank ATM Network ~8X 1,320 724 394 174 84 202 39 51 FY07 FY17 South Ex-Kerala Others (Rest of India) 122 141 66 FY07 FY17 Kerala 48 48#49Performance since FY07 Net Interest Income 368 FY07 Rs Crs CAGR : 16% 1,675 FY17 Business (Advances + Deposits) 20,158 Rs Crs CAGR : 19% 112,507 SOUTH INDIAN Bank Profit After Tax Rs Crs CAGR : 14% 393 104 FY07 FY17 Gross NPA In % 149bps 3.94 2.45 FY07 FY17 FY07 FY17 49 49#50Leadership 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 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#52• 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. Anto George T, General Manager (Retail Banking Division) Bachelors Degree in Arts & Post Graduate Diploma in Computer Application, Certification in RDBMS & Oracle 8i and JAIIB Mr. Paul V.L., General Manager (Administration) Masters Degree in Arts and Post Graduate Diploma in Personnel Management & JAIIB 52 52#53Management 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 53#54Awards & Recognition Awarded with ISO 27001:2013 Certification SOUTH INDIAN Bank The certification process involved an extensive audit, conducted by British Standards Institution against the criteria set out by the ISO 27001:2013 standards on various domains of IT functions Certifica Award Ceremo ISO 9001: 20 2 D bi ish Sta 20 bsi. 150/IEC 27001 eferaten Seit 18.666310 54 54#55Awards & Recognition Microsoft Won "IBA Banking Technology Awards" 2017 Awards SOUTH INDIAN Bank Won National Payments Excellence Awards - 2016 WINNER PERTH Nex Bank ation Bani In n Podused Preserved by F Won Finnoviti Award - 2017 INNOVIL AWARDED SOUTH INDIAN BANK FOR SIP MIRROR 55#56Company 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 77383 77756 / +91 9833692935 www.sgapl.net SOUTH INDIAN Bank 56