#1Vision 2024 December 29, 2020 SOUTH INDIAN Bank#291 years of trust 1 1929 Founded Formed by a group of 44 enterprising men of Thrissur to serve the merchant community 3 1998 Stock Exchange Listing Bank went Public with an Initial Public Offering 5 2007 Core Banking The FIRST Kerala based bank to implement Core Banking System 7 2016 SIB Mirror+ A full-fledged mobile banking application SIB Mirror across major mobile platforms 2 SOUTH INDIAN Bank 1992 NRI Branch FIRST private sector bank to open an NRI branch in November 1992 4 2001 Sibertech Launched comprehensive and centralised banking solution, Sibertech, on Finacle platform 6 2008 Bonus Shares Issued Bonus Shares in the ratio 1:4 8 2020 Digital & Technology Excellence Bagged 6 categories of awards out of total 8 at the prestigious Banking Technology Awards by IBA Bank on Us#3Built a sustainable franchise over the years... 38,821 Total Business 1,48,558 4x 15,970 Advances FY 2010 FY 2020 FY 2010 23,012 Deposits 4x 83,033 4x 65,524 FY 2020 NRI Deposits 23,710 3,670 6x FY 2010 FY 2020 FY 2010 Retail Advances (Less than 75 crores) 8,624 4x 34,220 FY 2010 FY 2020 411 Operating Profit 1,645 4x FY 2020 FY 2010 FY 2020 SOUTH INDIAN Bank ☆ in crores Bank on Us#4Wide network and young workforce... Legacy Customers Base FY2010 33.6 2x FY2020 65.0 - ~55% of workforce are professionals 1001 Total Employees FY2010 5,132 1.7x FY2020 - 8,570 SOUTH INDIAN Bank Ni ifi SOUTH INDIAN Bank Branches # FY2010 583 1.6x FY2020 - 935 #Includes part-time branches Average age of employees is ~32 years 目 ATM n FY2010 353 4x FY2020 1,424 Bank on Us#5Medium term strategy through focusing on 6Cs SOUTH INDIAN Bank PROFITABILITY through QUALITY CREDIT GROWTH . • Beefing up capital to strengthen balance sheet and exploit growth opportunities • Focused drive . on building strong low cost CASA book Leverage our Kerala franchise to build strong NRI deposit base Leverage strong distribution network to increase total business • Using technology to reduce cost and increase income • Augment the talent of young resources • Revamp organization structure to build capabilities • Skill development across levels • Fair to Customer, Fair to Bank • Phygital approach at branches • Diversify customer offerings Compliance to be core for our entire banking . activities • Adherence to highest integrity standards • Compliance with conscience CAPITAL CASA COST TO INCOME COMPETENCY BUILDING CUSTOMER FOCUS COMPLIANCE Bank on Us#6Sharpening organization structure MD & CEO SOUTH INDIAN Bank Head Business Head Credit Head Treasury Head Vigilance & Audit Chief Compliance Officer Chief Risk Officer Chief Technology Officer Chief Financial Officer Head Operations & Collections Retail & MSME Sharpening Organisational Structure – Key Principles Corporate Operations Clearly defined Product and Distribution Structure Segregation of Underwriting and Business functions Strengthen capabilities in digital, risk management and analytics Focused approach for building assets and liabilities businesses Separate Operations Team for Assets and Liabilities Enhanced customer experience through digital analytics Dedicated focus on mitigating frauds and improve collection & recovery Bank on Us#7Strong and resilient loan book SOUTH INDIAN Bank REVAMP BUSINESS STRUCTURE . . Vertical structure for Assets business Assets and Liabilities team to work closely for creating value from existing customers of the bank Scale up sourcing capability through DMA/DSA * STRENGTHEN TEAM . Product experts to head each business and support verticals Data analytics team to play a critical role in business and collections Competency building through DNA anchors to instill sense of ownership and sensitivity BUILD ROBUST INFRASTRUCTURE . Leveraging technology to ramp up business • Setting up lending platform (LOS/LMS) . • Strengthening underwriting models and collection system LAUNCH NEW PRODUCTS Revamp existing retail product suites of HL, LAP, PL, Credit Card etc. with better delivery, pricing and quality • Multiple retail products like LAS, SBL, IPO Funding, Dealer Funding, Tractor funding etc. to be launched in phases Bank on Us#8Build robust retail liability franchise REVAMPING BRANCH STRUCTURE 01 Bringing in efficiency and effective control with realignment of branch and regional network, with focus on business development and service 04 SOUTH INDIAN Bank NRI BUSINESS 02 • Re-organise structure with a new vertical focusing on Kerala and other parts of the country • Expanding geographies by partnering with exchange houses, banks and remittance platforms 03 HIGHER SHARE OF CUSTOMER WALLET • Use of data analytics for deeper customer penetration with multiple product offerings Focused drive on making South Indian Bank as a primary bank for all asset and liability customers CUSTOMER SEGMENTS Focus on segments like trust, co-operative society and Govt. banking . Digital mapping of customer life cycle management Bank on Us#9Digital – A catalyst that touches all verticals MODEL BASED UNDERWRITING Build robust score based lending models • Revamping underwriting platform to improve TAT • Integration with multiple external data sources including non-traditional DIGITAL MARKETING • Meaningful engagement with millennials, ● Gen Z customers Leveraging social media platforms for sales and customer experience Sentimental analysis for brand building CUSTOMER EXPERIENCE Enrich self-service features on all digital channels Digital onboarding of customers on assets and liabilities Streamline customer experience with intelligent automation/RPA + a ** SOUTH INDIAN Bank LEVERAGING DATA & TECHNOLOGY Strengthening data analytics infrastructure and loan management systems • Enhancing systems for seamless operations • Optimising cost through cloud adoption DIGITAL PARTNERSHIP • Partnering with Neo-age lenders and aggregators Ramping up of merchant acquisitions using digital innovations. • Leveraging API platform capabilities for partnerships for Open Bank fintech CULTURE Digital to be one of DNA for each staff backed by trainings, campaigns & workshops • Using kiosks, recyclers, and other mobile devices at branches and salesforce Digital empowering front-end staff with necessary tools and training to solve customer queries Bank on Us#10Vision 2024 1,00,000 + Crores 35+% Advances CASA 65+% PCR (excl.w/off.) 3.5+% ROA of 1.0+% ROE of 13+% NIM Profitability Backed by customer base of 100+ lakhs Bank on Us SOUTH INDIAN Bank#11Professional and Independent Board of Directors MR. SALIM GANGADHARAN Chairman Previously, Principal Chief General Manager and Regional Director, RBI-Trivandrum MR. V J KURIAN Independent Director Currently, MD of CIAL, Director of Air Kerala International Services Ltd., Kerala Waterways & Infrastructures Ltd., etc. Previously, Additional Chief Secretary, Govt. of Kerala MR. MURALI RAMAKRISHNAN Managing Director and CEO Previously, Head SME, Head Credit & Risk and Regional Head International Banking Group of ICICI Bank MR. M. GEORGE KORAH Independent Director Currently, Partner of M/s Korah & Korah, Chartered Accountants, specializing in Financial and IT Consultancy MR. FRANCIS ALAPATT Independent Director Entrepreneur of The Alapatt Group (60 year old business house in Kerala) MR. PRADEEP M GODBOLE Non-Executive Director Previously, Senior Management positions at Big Four consulting firm, IT organizations and banks MS. RANJANA S. SALGAOCAR Independent Director Currently, President, Salgaocar Medical Research Centre & VM Salgaocar Hospital; Director, VIMSON Group of Companies MR. PAUL ANTONY Non-Executive Director Previously, Chief Secretary, Govt. of Kerala and Chairman of Cochin Port Trust and KSEB Ltd., etc. MR. PARAYIL GEORGE JOHN THARAKAN Independent Director 30+ years of experience in the field of agriculture and allied products MR. RA SANKARA NARAYANAN Additional Director (Independent Director) Previously, Managing Director and CEO of Canara Bank and Vijaya Bank SOUTH INDIAN Bank Bank on Us#12Disclaimer 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.#13For further information, please contact: Company The South Indian Bank Ltd. CIN - L65191KL1929PLC001017 Ms. Chithra H, CFO [email protected] Mr. Vijith S, Dy. General Manager [email protected] Mr. Chetan Parmar, Head IR [email protected] www.southindianbank.com Investor Relations Advisors Strategic Growth Advisors Pvt. Ltd. CIN - U74140MH2010PTC204285 Mr. Shogun Jain / Ms. Akashi Modi [email protected]/[email protected] +91 77383 77756 / +91 96198 96128 www.sgapl.net SOUTH INDIAN Bank#14THANK YOU SOUTH INDIAN Bank