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Improving Operating Efficiency Employee Additions 304 57 -80 -105 SOUTH INDIAN Bank Cost-to-Income Ratio In % 55.7 53.4 53.7 51.1 50.6 -129 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Business per Employee Rs. Cr. Business per Branch Rs. Cr. 17.9 17.9 17.3 17.9 168 17.6 163 164 165 166 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 28

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