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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 10
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