Investor Presentaiton

Key Metrics- Quarterly SOUTH INDIAN Bank Particulars Net Interest Margin (NIM) CRAR Basel III ROAA (Annualized) Provision Coverage CASA Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% FY15 Q1 Q2 Q3 Q4 Q1 Q4 Q1 Q2 Q3 2.6% 2.7% 2.8% 2.7% Q2 Q3 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.7% 11.1% 11.1% 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.6% 0.7% 0.6% 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.6% 46.1% 50.2% 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.2% 22.8% 25.9% 4.0% 4.0% 4.0% FY16 FY17 Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% Book Value per Share (Rs.) 25.9 26.5 27.1 26.6 27.1 27.8 2.2% 2.8% 3.8% 1.4% 1.8% 2.9% 2.9% 2.8% 2.5% 28.5 28.4 30.0 30.8 31.6 Earnings per Share (Rs.) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 (Annualized) Branches Kerala 439 440 441 444 447 447 447 449 453 454 455 - South India (Ex-Kerala) 230 232 233 239 242 244 244 245 245 245 245 Rest of India 132 133 136 139 139 140 140 140 140 140 140 Total Branches 801 805 810 822 828 831 831 834 838 839 840 ATMs Kerala 565 587 607 651 670 682 688 698 701 713 718 - South India (Ex-Kerala) 297 313 325 365 378 380 384 387 388 391 393 Rest of India 156 163 176 184 196 198 200 202 202 202 202 Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 40

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