Investor Presentaiton

Improved Quality of Earnings 1.20 1.09 1.01 1.00 0.96 0.89 0.80 0.60 0.40 0.20 0.92 1.07 0.89 1.12 1.05 0.99 0.00 FY-08 FY-09 FY-10 FY-11 FY-12 *Annualized SOUTH INDIAN Bank RoA coming mainly from Core Income ROA ROAA* 26

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