Investor Presentaiton

Our Strategy... Expand Retail Business Strengthen SME Base Improve CASA Enhance Asset Quality • SOUTH INDIAN Bank Retail Banking Department to focus on retail loan & liability/investment products Efficient branches & processing centers for faster processing of loans Outbound Sales team Continuous training of work force • Advanced technology for ease of customers • • . 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 Alternate channels for mobilising CASA Centralized processes allowing branches to focus on garnering low cost funds Continuous improvement/review of products • Granularise loan portfolio to spread out risk • Cautious approach on large corporate lending • Improve share of other • Income Special 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 and all digital channels • Leveraging technology to deliver attractive products • Focus on 3rd Party/Investment products to generate more other income 7

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