Investor Presentaiton

Our Strategy... SOUTH INDIAN Bank Focus on retail loan products Efficient branches for faster processing of loans Continuous training of work force Expand Retail Business Invest in Brand Building Advanced technology for ease of customers Strengthen SME Base • Cluster based approach in industry hubs Sole Banker to SMEs for all banking needs Dedicated vertical to penetrate SME banking Improve CASA Strategy & Road map in place to increase CASA funds Centralized processes allowing branches to focus on garnering low cost funds Enhance Asset Quality Improve share of other Income • Granulize loan portfolio to spread out risk • • • • Cautious approach on large corporate lending Special recovery cell for monitoring non performing and restructured assets Focus on increasing banking services for SME, Retail, NRI Enhance treasury capabilities & increase branch strength Expand POS & ATM Network Leveraging technology to introduce modern & new-age banking products 8

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