Investor Presentaiton
Key Strengh
Healthy Fundamentals
Adequately Capitalised;
•14.00% CRAR & 11.54% Tier 1 ratio
Asset Quality;
⚫0.97% GNPAs & 0.28% NNPAS
•71.36% NPA Coverage ratio
•18.53% ROE, 1.12% ROAA
•Over 85% secured loan book
Strong Growth
• One of the fastest growing banks in
India.
• 25% CAGR in business in last 5 years
•Constant growth in Business &
Profitability
■Most advanced technology in all
spheres of banking operations &
delivery channels.
Significant Turnaround
•Benchmarked HR Practices & Introduced
Performance Linked Incentive schemes,
ESOP, Annual Performance contest-
Awards.
•Forward looking Human Capital
Management Strategy
•Highly skilled human capital- 46% of
human capital under age 30 with
professional qualification
Key Competitive Advantage
• Fast expanding branch network
•
• High Asset Quality with well diversified
Loan portfolio
• 9% market share in Kerala's NRI deposit
base.
•Strong boost to Income from high
yielding gold loans forming 24% of the
loan book.
SOUTH
INDIAN Bank
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