Investor Presentaiton

...becoming a Banker of Choice to SMEs Average SME Loan / Account Rs Lakhs 16.10 15.56 15.76 15.26 15.33 SOUTH INDIAN Bank Loan Book by Geography - Q3 FY17 Rest of India 23% Kerala 43% Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 South (Ex- Kerala) 34% • SME Highlights Dedicated DGM appointed to ensure focus and better coordination with regions Focused 'Green Channel' branches to drive faster loan growth to SMEs Target to become banker of choice to SMEs thereby getting other business as well - liabilities, vehicle finance, etc. Ongoing training (in-house as well as external) 16

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