Investor Presentaiton

...becoming a Banker of Choice to SMEs Average MSME Loan / Account SOUTH INDIAN Bank MSME Loan Book by Geography 53.8 53.8 54.2 54.9 Rs. Lakhs 65.0 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Rest of India 21% South (Ex- Kerala) 32% Kerala 47% • • • • SME Highlights Dedicated executive 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 Ongoing training (in-house as well as external) Entire MSME loan processing centralized at Kochi at two centers - Special focus on applications up to Rs. 2.00 Cr and standardized, uniform risk-based approach on Rs. 2.00 Cr to Rs. 25.00 Cr Underwriting of loans through customized LOS (Loan Origination System) to ensure speedy, paperless processing with capabilities to integrate with Finacle, CIBIL, Rating Agencies etc. for seamless flow of data Regional Offices freed from processing of loan applications so as to focus on new customer acquisition and marketing 12

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