Investor Presentaiton

Trend in Income & Expenses Total Income (in crores) Trend in Expenses 3179 4000 3500 3830 3500 3000 3000 2643 2500 2117 2500 2144 2000 1734 2000 1851 1493 1500 1500 1434 1163 1000 1000 500 500 0 FY08 FY09 FY10 FY11 FY12 FY08 FY09 FY10 FY11 FY12 Int on Adv Int on Inv Oth Int Int Exp Staff Exp Other Exp Gross Annual income grew over 2.6 times in 5 years at CAGR 27% SOUTH INDIAN Bank 40

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