Investor Presentaiton

Improving 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

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