Experience Next Generation Banking

Investor PresentationMay - 2017

2

Safe Harbor

No representation or warranty, express or implied is made as to, and no relianceshould be placed on, the fairness, accuracy, completeness or correctness of suchinformation or opinions contained herein. The information contained in thispresentation is only current as of its date. Certain statements made in thispresentation may not be based on historical information or facts and may be “forwardlooking statements”, including those relating to the Company’s general business plansand strategy, its future financial condition and growth prospects, and futuredevelopments in its industry and its competitive and regulatory environment. Actualresults may differ materially from these forward-looking statements due to a numberof factors, including future changes or developments in the Company’s business, itscompetitive environment and political, economic, legal and social conditions in India.This communication is for general information purpose only, without regard tospecific objectives, financial situations and needs of any particular person. Thispresentation does not constitute an offer or invitation to purchase or subscribe forany shares in the Company and neither any part of it shall form the basis of or berelied upon in connection with any contract or commitment whatsoever. TheCompany may alter, modify or otherwise change in any manner the content of thispresentation, without obligation to notify any person of such revision or changes. Thispresentation can not be copied and/or disseminated in any manner.

3

Contents

About Us

Q4 FY17 Highlights

Performance Matrix

Next Generation Bank

An Inflection Point

Business Strategy

4

Q4 FY17 Highlights

5

Augmented Capital via Rights Issue

PriceAt a fixed price of Rs.14/- per share (Premium of Rs.13/- on

a FV of Re.1/-

Share CapitalPre allotment –1,35,21,27,907Post allotment –1,80,28,35,959

Use of FundsSupport business expansion and

meet future capital requirements

Issue Size

Offered 450,709,302 Equity Shares in the ratio of 1:3

Rights Issue over subscribed 1.84x

6

Key Performance Highlights- FY17

Deposits

66,117

55,721

FY17

FY16

Advances

47,084

41,785

FY17

FY16

CASA

15,746

12,459

FY17

FY16

PAT

393

333

FY17

FY16

FY17

FY16

Other IncomeNet Interest Income

FY17

FY16

716

517

1,675

1,510

PPOP

1,215

879

FY17

FY16

26% 19% 13%

11% 39%

38% 18%

Rs Crs

7

Recent Updates

• South Indian Bank has entered into an agreement with Flyworld Money Exchange to facilitate remittances by Indian expatriates in Australia

• Through this tie-up, NRIs in Australia could enjoy quick and cost-effective remittances to India using the SIB Express facility

• SIB has a correspondent banking arrangement with National Australia Bank for remittances to India

• SIB marks the first remittance arrangement with an exchange house in Australia

• South Indian Bank has introduced Aadhar-based payment in its UPI mobile application- SIB M-Pay

• With the latest addition in SIB M-Pay, the fund transfers can be done by just entering the Aadhar number of the beneficiary and the amount would be directly credited

• It is a major step in offering simple and efficient payment methods, as the country moves towards a 'Cashless Society'

8

Representative Office in Dubai, UAE

01

02

03

RBI Approval Received foropening RepresentativeOffice in Dubai, UAE

Representative office is inaddition to extensivearrangements with leadingexchange houses

Representative office willboost NRI Banking effortsfor the Bank and expandNRI Customer base

9

Business Strategy

10

Our Strategy…

• Focus on retail loan products

• Efficient branches for faster processing of loans

• Continuous training of work force

• Advanced technology for ease of customers

• Invest in Brand Building

Expand Retail

Business

• Cluster based approach in industry hubs

• Sole Banker to SMEs for all banking needs

• Dedicated vertical to penetrate SME banking

Strengthen SME Base

• Strategy & Road map in place to increase CASA funds

• Centralized processes allowing branches to focus on garnering low cost funds

Improve CASA

• Granulize loan portfolio to spread out risk

• Cautious approach on large corporate lending

• Special recovery cell for monitoring non performing and restructured assets

Enhance Asset

Quality

• 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

Improve share of

other Income

11

…Performance in Line with Strategy

INCREASE15% YoY

Expand Retail, SME & Agriculture Business

Rs. 27,862 Crs

Strengthen SME Base

Rs. 10,984 Crs

Improve CASA

Rs. 15,746 Crs

Enhance Asset Quality(Restructured Book)

Rs. 571 Crs

Improve share of other Income

Rs. 716 Crs

INCREASE12% YoY

INCREASE26% YoY

DECREASE59% YoY

INCREASE38% YoY

12

Shall continue to focus on Core Strengths

01 Increase …

CASA

02 Retail Business …

More Products

03 SME Business …

Sole Banker

04 Improve

NIM

05 Increase…

Fee Income

06 Sustainable…

Asset Quality

RetailRelationships

SMERelationships

13

...Increase Retail & SME Business

• Enhanced risk management

• KYC compliance and fraud prevention tools

Loan Processing

• Penetrate further in the existing set of Customers

• Faster Sanctions

Retail Business

• Focus on particular geographies and open additional branches

• Improve Branch Profitability

Branch Profitability

Centralized Marketing & Processing

Centre (Kochi)

01 02 03

Retail Hub

• Home Loan• Auto Loan• MSME Loan• LAP

Cluster Branches

14

…by focus on Housing Loans in Retail

2,614 2,677 2,756 2,828 2,903

1,371 1,417 1,432 1,321

1,564 1,510 1,535 1,606

2,521 2,410 2,446 2,622

973 925 1,094 909

8011,049 1,063

1,094 1,154

1,329

1,290

2,085

3,127

Dec-16

11,566

Mar-17Mar-16

10,09310,40910,358

Sep-16Jun-16

10,002

+15%

Retail Breakup

GoldOthers

Manufacturing HousingLAD*

Service & Traders

Housing: Key Initiatives

• Retail hub in Kochi to increase focus on housing finance

• Two more hubs to be set up – one in South India and one in North India

• Branch staff being given specific training to market mortgage loans

• Marketing initiative through TVCs

• Tailor made products for different segments

Jan to Mar 2017

• Housing Loans Sanctioned : 990 Nos.

• Amount of Housing Loans Sanctioned – 195 Crs

Rs Crs

*LAD = Loan against deposits

15

…becoming a Banker of Choice to SMEs

Loan Book by Geography – Q4 FY17

• 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)

SME Highlights

Average SME Loan / Account

17.66

16.1015.7615.5615.33

Mar-17Dec-16Mar-16 Jun-16 Sep-16

Kerala43%

South (Ex-Kerala)

34%

Rest of India23%

Rs Lakhs

16

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 463

South India (Ex-Kerala) 246

Rest of India 141

Total 850

Total Branch Network

Total ATM Network

850834822794738688

FY15FY14

+4.3%

FY17FY16FY13FY12

1,3201,2871,2001,000

800663

FY14FY13 FY15FY12 FY16

+14.8%

FY17

*Map for illustration purpose only

17

… and our Experienced Employees

Total Employees: 6,977*

4% 4%

37%

31%

24%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

32 53

7,007

Closing

6,9776

Sep-16Jun-16Mar-16 Mar-17Dec-16

*Employees include full-time officers and clerks.

18

Performance Matrix

19

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

17%

Core Deposit Non-Core Deposit Total Deposit

Mar-17 Mar-17

Mar-16 Mar-1646,487

54,216

55,721

66,117

19%

Current Deposit Savings Deposit Total CASA

Mar-17 Mar-17 Mar-17

Mar-16 Mar-16 Mar-16

1,983 10,476

12,994

12,459

15,746

39% 24% 26%

2,753

Rs Crs

Rs Crs

29%

Mar-17

Mar-169,234

11,902

20

Core Deposits Growing...

Breakup of Deposits

9,203 9,205 10,215 9,693 11,874

10,476 11,267 11,299 13,54012,994

34,05935,230

36,27937,415

38,498

Mar-16

55,721

1,9832,753

66,117

Jun-16

2,399

60,19257,889

2,187

Sep-16 Dec-16

2,946

63,595

Mar-17

CurrentTerm Others*Savings

CASA Deposit

10,476

1,983

Mar-17

12,994

Mar-16

12,459

+26%

15,746

2,753

Term Deposits

38,49834,059

Mar-17

+13%

Mar-16

Rs Crs Rs Crs

SavingsCurrent

Rs Crs

*Others includes: Bulk, Certificates of Deposits

21

NRI Deposits Growing…

22.4 23.2 22.8

25.9

23.8

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

CASA NRI Deposits

16,82116,317

15,47615,025

14,303

Sep-16Jun-16 Mar-17Dec-16Mar-16

+18%

In (%)Rs Crs

22

Composition of Loan Book

29,18327,25227,23026,02625,686

Dec-16Sep-16 Mar-17Jun-16Mar-16

+14%

Corporate Advances (Above Rs 25 Crs)

Rs Crs

17,90117,98217,19815,99816,099

Jun-16Mar-16 Mar-17Sep-16 Dec-16

+11%

Retail Advances

Rs Crs

Segment wise Break Up of Total Loan Book

Rs Crs

17,901 ,38.02%

10,245 , 21.76%

1,321 , 2.81%

10,984 , 23.33%

6,633 , 14.09%

Corporate

Retail Ex Gold

Gold

SME

Agriculture

23

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

10,2459,1198,9258,5858,721

Mar-17Dec-16Jun-16Mar-16 Sep-16

+17%

Dec-16 Mar-17

1,321

Sep-16

1,432

Jun-16Mar-16

1,371 1,2901,417

-4%

10,98410,59010,4309,8309,823

Mar-17Mar-16 Jun-16 Sep-16 Dec-16

+12%

6,6336,2536,4426,1945,770

Dec-16 Mar-17Mar-16 Jun-16 Sep-16

+15%

~17% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 15%

Rs Crs

Rs Crs

Rs Crs

Rs Crs

24

Advances growing across Regions

15,680 15,994 17,092 17,548 18,221

13,556 13,31513,923 14,054

14,693

12,549 12,71513,413 13,632

14,170

Jun-16 Sep-16

42,024

Mar-16

47,08445,23444,428

Dec-16

41,785

Mar-17

KeralaSouth Ex- KeralaRest of India

Rs Crs

25

Net Interest Income - Quarter

Net Interest Income

439418445

374374

Sep-16Mar-16 Mar-17Jun-16 Dec-16

+17%

Cost of Deposits & Yield on Advances

Net Interest Margin

2.742.662.752.742.63

Dec-16Mar-16 Sep-16Jun-16 Mar-17

11 bps

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.38 6.30 6.18 5.975.72

8.78 8.73 8.66 8.328.16

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

Cost of Funds Yield on FundsIn %

7.24 6.98 6.75 6.53 6.33

10.56 10.89 10.59 10.32 9.97

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

Cost Of Deposit Yeild on Advances

26

Net Interest Income - Cumulative

Net Interest Income

1,675

1,236

819

374

1,510

Jun-16 Mar-17Dec-16Sep-16Mar-16

+11%

7.52 6.98 6.86 6.75 6.64

11.1810.89 10.73 10.59

10.43

Mar -16 Jun -16 Sept -16 Dec -16 Mar -17

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.722.722.752.742.73

Dec-16Jun-16Mar-16 Sep-16 Mar-17

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.69 6.30 6.32 6.20 6.06

9.18 8.73 8.80 8.63

8.50

Mar -16 Jun -16 Sept-16 Dec-16 Mar -17

Cost of Funds Yield on FundsIn %

27

Improving Operating Efficiency

56.62

52.5751.08

48.53 49.20

Mar -16 Jun -16 Sept -16 Dec -16 Mar -17

C/I Ratio

Business per Employee Business per Branch

13.813.513.213.012.0

Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

120119117115108

Mar-16 Sep-16Jun-16 Mar-17Dec-16

Employee Additions

-41 -32

3 5-6

Mar -16 Jun -16 Sept -16 Dec -16 Mar -17

In %

Rs Crs Rs Crs

28

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

23 25 26 22 27

52 54 48 4559

Jun-16Mar-16

7476

Dec-16 Mar-17Sep-16

7967

86

Total Other Income led by ….

TechnologyTransaction Fees

Investment Book as on Mar-17

Rs Crs Rs Crs

57 51

12723

57

183025

161324

10

8

Sep-16Mar-16 Jun-16

5

Mar-17

9

Dec-16

OtherForex Profit on Sale of Investments

Profit on Sale of Investments, Forex & Others

Rs Crs

138

259

146173

139

Mar-17Sep-16Jun-16Mar-16 Dec-16

Details Rs. Crs M Duration

HTM 13,727 5.45

AFS 5,747 4.38

HFT 65 7.30

Total 19,538 5.22

29

Break Up of Provisions

Rs Crs Q4-FY 17 Q4-FY 16 Q3-FY 17

For NPA & NPI 231.6 191.1 167.0

For Depreciation on Investments 23.3 0.5 12.8

For Standard Assets -21.1 -37.4 1.9

For Restructured Advances/Sacrifices & FITL -34.0 -29.5 -16.9

For Unhedged Forex Exposure -2.4 -0.7 -0.9

Others -32.2 -7.8 42.7

Taxes 40.0 33.1 59.0

Total Provisions 205.3 149.3 265.6

30

Non Performing Assets

Net NPA

2.89% 2.89% 2.77%2.52%

1.45%

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

Gross NPA

3.77% 3.96% 3.96% 3.98%

2.45%

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

Net NPA MovementGross NPA Movement

Rs Crs Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

Opening 1,108 1,562 1,651 1,745 1,787

Additions 845 125 226 197 1,150

Deductions 391 36 132 155 1,788

Closing 1,562 1,651 1,745 1,787 1,149

Rs Crs Mar-16 Jun-16 Sept -16 Dec -16 Mar -17

Opening 716 1,185 1,192 1,206 1,116

Additions 664 105 135 125 991

Deductions 195 98 121 216 1,432

Closing 1,185 1,192 1,206 1,116 675

31

Stressed Assets - QoQ

Gross Basis Net Basis

Rs Crs Q3-FY 17 Q4-FY 17 Q3-FY 17 Q4-FY 17

NPA 1,787 1,149 1,116 675

Restructured Standard Advance 642 309 642 309

Other Stressed Advances 1,204 606 1,204 606

Total Stressed Assets 3,633 2,064 2,962 1,590

Advances 44,915 46,846 44,233 46,366

Stressed Assets as % of Advances 8% 4% 7% 3%

32

Restructured Advances Breakup

Restructured Assets Break-up

949 945

761642

309

443 442

532653

262

571

1,392

Mar-16 Sep-16Jun-16

1,387

1,293 1,295

Dec-16 Mar-17

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure – Q4FY17

24%

7%

69%

Power Discoms Construction EPC

Others

Rs Crs

*Other includes IT, Bullion, etc.

33

Restructured Standard Advance

Restructured Standard Asset BookRs Crs

111 - -

313 - -

218 6 -

DISCOMS

OpeningIncrease in

Existing Balance

Uday – SDLInvestments

Construction EPC

Others

-

212

11

Slippages to NPA

642 6 -Total 223

73

22

213

Closing Balance

309

-

-

-

Fresh Addition

-

38

78

-

Decrease in Balance

116

34

Movement in Restructured Accounts

Movement in Restructured Accounts

1,295

619

116

571

ClosingClosure Including Write Off

0 0

Opening Increase in Balance

Dec in Balance

Upgradation in Standard

Category

Fresh Addition

11

Shift of focus from Large Corporate

toSMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs

35

Adequate Provisioning

NPA Provisioning

239.5

451.0

648.9 437.5

ClosingDeductionsAdditionsOpening

Provisioning

Coverage Ratio 55.1%

Advances in the Initial

quarters as NPAs :

Requiring

Less Provisioning

Rs Crs

36

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.86%

0.55%

0.35%

0.11%

0.86%

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

Agriculture Slippage

0.23%0.38% 0.34% 0.49%

0.90%

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

0.27%

0.55%0.51%

0.39%

0.64%

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

4.42%

0.00%

0.64%0.65%

2.37%

Mar-16 Jun-16 Sept-16 Dec-16 Mar-17

37

Well Capitalized to support Growth

BASEL III

In %

9.8 9.9 9.5 9.4

2.0 1.81.7 1.7

10.9

1.511.1

Sep-16

12.4

Jun-16

11.111.7

Mar-17Mar-16

11.8

Dec-16

Tier 1Tier 2

38

Balance Sheet Overview- Q4 FY17

Rs Crs Q4-FY 17 Q4-FY 16 Y-o-Y (%) Q3-FY 17 Q-o-Q (%)

Capital & Liabilities 74,312 63,175 17.63% 71,446 4.01%

Capital 180 135 33.51% 135 33.37%

Reserves and Surplus 4,665 3,707 25.85% 4,141 12.65%

Deposits 66,117 55,721 18.66% 63,595 3.97%

Borrowings 1,958 2,315 -15.43% 2,205 -11.23%

Other Liabilities & Provisions 1,391 1,297 7.28% 1,369 1.62%

Assets 74,312 63,175 17.63% 71,446 4.01%

Cash & Balances with RBI 3,078 2,476 24.31% 3,576 -13.94%

Balances with Banks 810 623 29.90% 1,420 -42.99%

Investments 19,430 14,619 32.91% 17,576 10.55%

Advances 46,389 41,086 12.91% 44,256 4.82%

Fixed Assets 656 487 34.73% 595 10.33%

Other Assets 3,949 3,884 1.69% 4,023 -1.84%

Business (Advances + Deposits) 1,12,507 96,806 16.22% 1,07,850 4.32%

Current Accounts 2,753 1,983 38.80% 2,946 -6.57%

Savings Accounts 12,994 10,476 24.04% 13,540 -4.03%

CASA Ratio 23.82% 22.36% 146bps 25.92% -210bps

39

Profit & Loss Overview- Q4 FY17

Rs Crs Q4-FY17 Q4-FY 16 Y-o-Y (%) Q3-FY17 Q-o-Q (%)

Net Interest Income 439.10 374.29 17.32% 417.52 5.17%

Other Income 137.71 139.06 -0.97% 258.51 -46.73%

Total Income 576.81 513.35 12.36% 676.03 -14.68%

Operating Expenses 296.01 291.06 1.70% 299.06 -1.02%

Operating Profit 280.80 222.30 26.32% 376.97 -25.51%

Provisions (Ex-Tax) & Contingencies

165.30 116.25 42.20% 206.63 -20.00%

Profit Before Tax 115.50 106.05 8.91% 170.34 -32.20%

Provision for Tax 39.96 33.08 20.80% 58.96 -32.23%

Profit After Tax 75.54 72.97 3.53% 111.38 -32.18%

40

Key Metrics- Quarterly

Particulars FY15 FY16 FY17

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

Net Interest Margin (NIM) 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% 2.7% 2.8% 2.7% 2.7%

CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.7% 11.1% 11.1% 12.4%

RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.6% 0.7% 0.6% 0.4%

Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.6% 46.1% 50.2% 55.1%

CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.2% 22.8% 25.9% 23.8%

Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% 4.0% 4.0% 4.0% 2.5%

Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% 2.9% 2.8% 2.5% 1.5%

Book Value per Share (Rs.) 25.9 26.5 27.1 26.6 27.1 27.8 28.5 28.5 30.0 30.8 31.6 26.9

EPS (Rs.) (Annualized) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 2.6

Branches

- Kerala 439 440 441 444 447 447 447 449 453 454 455 463

- South India (Ex-Kerala) 230 232 233 239 242 244 244 245 245 245 245 246

- Rest of India 132 133 136 139 139 140 140 140 140 140 140 141

Total Branches 801 805 810 822 828 831 831 834 838 839 840 850

ATMs

- Kerala 565 587 607 651 670 682 688 698 701 713 718 724

- South India (Ex-Kerala) 297 313 325 365 378 380 384 387 388 391 393 394

- Rest of India 156 163 176 184 196 198 200 202 202 202 202 202

Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 1,320

41

Next Generation Bank

42

Present across Customer Touch Points

SIB Mirror + Mobile Banking

Point of SaleInternet Banking

ATMs

1,320 ATMs across India

Branches

850 Branches & 50 Extension Counters

Traditional & Alternate Channels

43

Technology Initiatives

SIB Mirror is a mobile-led platform with instant account access, balance retrieval, immediate fund transfers, all account intimations, and much more

SIB-er Net is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers

Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers

SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions

Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools

44

Personal Banking: Technology Banking

Active Internet Users

134 141 157 175

192

Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

899785

663611591

Mar-17Jun-16 Dec-16Sep-16Mar-16

4,489

3,2933,0542,5512,515

Mar-17Sep-16Mar-16 Jun-16 Dec-16

1,412

1,175

913748

670

Mar-17Sep-16Jun-16Mar-16 Dec-16

1,008

599

350233

170

Jun-16Mar-16 Sep-16 Dec-16 Mar-17

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

45

Personal Banking: Debit Cards

3.3

3.4

3.2

3.3

3.2

Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

33.7

27.131.430.830.4

Dec-16Sep-16Jun-16Mar-16 Mar-17

5,480

4,028

5,9295,7775,375

Jun-16 Dec-16Sep-16 Mar-17Mar-16

In Millions In Millions

Rs Crs

Transaction volumes and value dropped in

December 2016 quarter owing to large number of

ATM’s being non-operational and volume

restriction due to demonetisation

46

An Inflection Point

47

Moving Towards Vision 2020…

Provides advisory support to bank on the medium and long term strategy for significant growth in retail, agriculture and SME sectors

Appointed International

Finance Corporation

Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank

Entered Memorandum

of Understanding with NSIC

Houses the Bank’s Marketing Dept, Retail Loan Hub and Transaction Banking Dept

Opened Centralized

Marketing & Processing

Centre

....to become Retail Banking Power House

48

About Us

49

Milestones

FIRST among the private sector banks in Kerala to

become a scheduled bank in 1946 under the RBI Act

FIRST bank in the private sector in India to open a

Currency Chest on behalf of the RBI in April 1992

FIRST private sector bank to open a NRI branch in

November 1992

FIRST bank in the private sector to start Industrial Finance

Branch in March 1993

FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater

exclusively to the export and import business in June 1993

FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to

the in-house partial automation solution operational since 1992

The FIRST Kerala based bank to implement Core Banking System

50

Expansion since FY07

Branch Network

141

122

246

277

463

66

850

~2X

FY17FY07

465

Kerala Others (Rest of India)South Ex-Kerala

ATM Network

724

202

394

84

1,320

FY07

174

51

FY17

~8X

39

51

Performance since FY07

1,675

368

CAGR : 16%

FY17FY07

Net Interest Income

20,158

FY17

112,507

CAGR : 19%

FY07

Business (Advances + Deposits)

393

104

FY07

CAGR : 14%

FY17

Profit After Tax

2.45

3.94

FY17

149bps

FY07

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

52

Leadership Team

Mr. V. G Mathew , MD & CEO

Post Graduate in Physics and CAIIB with over 37 years of experience

Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014

Significant experience in Retail & Corporate Credit, Technology and Risk Management

Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB

The major assignments handled by Mr. Mathew in SBI are

Dy. General Manager (IT Networking Project)

Dy. General Manager and Branch Head, (Overseas Branch, Bangalore)

General Manager, (Corporate Accounts Group-Mumbai Branch)

Chief General Manager (Risk Management)

Chief General Manager (Corporate Accounts Group)

He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee,

Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie

Infrastructure Trustee (P) Limited

53

Leadership Team

Mr. Thomas Joseph K, EVP (Operations)

• Bachelors Degree in Engineering and Diploma in Management & CAIIB

• He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance

• He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors

Mr. G Sivakumar, EVP (Credit)

• Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB

• He heads Credit and Legal Departments

• He has over 35 Years of Experience in Domestic and International Banking in India and Abroad

• Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was

responsible for Private Equity and Venture Capital Investments made by the Bank

• He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than

ten Alternative Investment Funds

Mr. K N Reghunathan, EVP (Treasury)

• Commerce Graduate & CAIIB

• He is responsible for Treasury Operations of the Bank along with International Banking Division

• Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International

Banking Division.

• He was the Bank’s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee

of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India

Advantage Fund I & II

54

Management Team

Mr. John Thomas, Senior General Manager (Business Development Department)

• Bachelors Degree in Science, MBA and CAIIB

Mr. Raphael T.J., Senior General Manager (Marketing & Information Technology)

• Bachelors Degree in Commerce, Masters in EXIM,

Diploma in Financial Management and CAIIB

• Bachelors Degree in Arts & Masters Degree in Business

Administration and CAIIB

Mr. Anto George T, General Manager (Retail Banking Division)

• Bachelors Degree in Arts & Post Graduate Diploma in

Computer Application, Certification in RDBMS & Oracle

8i and JAIIB

Mr. Benoy Varghese, Senior General Manager(Credit Department)

Mr. Paul V.L., General Manager (Administration)

• Masters Degree in Arts and Post Graduate Diploma in

Personnel Management & JAIIB

55

Management Team

Mr. C.P. Gireesh, Chief Financial Officer

• Bachelors Degree in Mathematics

• Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of

Banking & Finance

Mr. Jacob EA, Chief Compliance Officer

• Bachelors Degree in Science & CAIIB - I

Mr. Jimmy Mathew, Company Secretary

• Bachelors Degree in Commerce, Associate Member of

Institute of Company Secretary of India and Institute of

Cost & Management Accountants of India. Also a

Certified Associate of the Indian Institute of Banking &

Finance

56

Awards & Recognition

Awarded with ISO 27001:2013 Certification

The certification process involved an extensive audit, conducted by British Standards Institution against the criteria set out by the ISO 27001:2013 standards on various domains of IT functions

57

Awards & Recognition

Won National Payments Excellence Awards -2016

Won Finnoviti Award - 2017

Won “IBA Banking Technology Awards”

58

Company Investor Relations Advisors

The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mr. C. P. Gireesh, CFOcpgireesh@sib.co.in

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Ms. Payal Dave / Mr. Shogun Jainpayal.dave@sgapl.net / shogun.jain@sgapl.net+91 98199 16314 / +91 77383 77756www.sgapl.net

For further information, please contact: