Investor Presentation - July 2019

BankOnUs

2

Contents

About Us

Q1 FY20 Highlights

Performance Matrix

Next Generation Bank

Business Strategy

3

Q1 FY20 Highlights

4

Key Quarterly Highlights - Q1 FY20

13%13%

Deposits

81,723

72,488

Q1 FY20

Q1 FY19

Advances

63,652

56,164

Q1 FY20

Q1 FY19

CASA

19,719

17,883

Q1 FY20

Q1 FY19

10%

Rs Cr

PPOP

318

270

Q1 FY20

Q1 FY19

18%

Net Interest Income

Q1 FY20

Q1 FY19

536

494

8%

Q1 FY20

Q1 FY19

Other Income

182

146

25%

5

Business Strategy

6

Our Strategy…• Retail Banking Department to focus on retail loan & liability/investment

products

• Efficient branches & processing centers for faster processing of loans

• Outbound Sales team

• 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

• Dedicated channels for mobilising CASA

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

• Continuous improvement/review of products

Improve CASA

• Granularize loan portfolio to spread out risk

• Cautious approach on large corporate lending

• Special cell for monitoring non performing and restructured assets

Enhance Asset Quality

• Focus on increased banking services for SME, Retail, NRI

• Enhance treasury capabilities & increase branch strength

• Expand POS/ATM Network and all digital channels

• Leveraging technology to introduce modern & new-age banking products

• Focus on 3rd Party/Investment products to generate more other income

Improve share of other Income

7

…Performance in Line with Strategy

INCREASE25% YoY

Strengthen Retail base

Rs. 19,070 Cr

Expand Agriculture & SME Base

Rs. 23,987 Cr

Improve CASA

Rs. 19,719 Cr

INCREASE14% YoY

INCREASE10% YoY

8

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

9

...Increase Retail & SME Business

• Home Loans, LAP, Business Loans, Vehicle Loans and loans <Rs 2 cr

Loan Processing

• MSME, Agri and loans upto Rs 25 cr

Loan Processing

• Trade Finance, Merchant Forex, Remittance

Loan Processing

Retail Banking Credit

Processing Centre (RBCPC)

01 02 03

Mid Corporate Credit

Processing Centre

(MCCPC)

Trade Finance Credit

Processing Centre (TFCPC)

• Entire Loan underwriting centralised• Enhanced risk management

• KYC compliance and fraud prevention tools

10

…by focus on Housing Loans in Retail

1,096 1,159 1,200 1,289 1,353

1,374 1,199 1,288 1,390 1,450933 1,012 1,068

3,673 3,951 3,440 3,474 3,415

2,995 3,329 3,8384,444 4,721

1,4401,494 1,840

2,216 2,1993,7934,049

4,318

4,6334,864

Dec-18

829

16,857

Mar-19Jun-18

880

Sep-18 Jun-19

15,20016,061

18,45819,070

Retail Breakup

Housing

Business Loan

LAP

Gold

Vehicle Loan

Others

Loan against deposit

Housing: Key Initiatives

• Retail hub in Kochi to increase focus on housing finance

• Dedicated Officers for marketing Retail Loans

• Marketing initiative through TVCs

• Tailor made products for different segments

April to June 2019

• Mortgage Loans Sanctioned: 2,702 Nos.

• Amount of Mortgage Loans Sanctioned: Rs. 866 Cr

Rs Cr

11

…becoming a Banker of Choice to MSMEs

SME Loan Book by Geography - Q1 FY20

• Dedicated executive 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

• Ongoing training (in-house as well as external)

• Entire SME loan processing centralized at Kochi - Special focus on applications up to Rs. 2.00 Cr and

standardized, uniform risk-based approach on Rs. 2.00 Cr to Rs. 25.00 Cr

• Underwriting of loans through customized LOS (Loan Origination System) to ensure speedy, paperless

processing with capabilities to integrate with Finacle, CIBIL, Rating Agencies etc. for seamless flow of data

• Regional Offices freed from processing of loan applications so as to focus on new customer acquisition and

marketing

SME Highlights

Average MSME Loan / Account

47.752.4 53.2

49.953.8

Jun-18 Sep-18 Jun-19Dec-18 Mar-19

Rs. Lakhs

Kerala45%

South (Ex-Kerala)

32%

Rest of India23%

12

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 474

South India (Ex-Kerala) 253

Rest of India 143

Total 870

Total Branch Network

Total ATM Network

822 834 850 854 870 870

FY15 Q1FY20FY17FY16 FY18 FY19

+6%

1,200 1,287 1,320 1,382 1,406 1,400

FY15 FY16 FY17 Q1FY20FY19FY18

+17%

*Map for illustration purpose only

13

… and our Experienced Employees

Total Employees: 7,717*

7%

9%

18%

39%

27%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

7,619 7,717

99 137

33 105

Dec-18 Mar-19Jun-18 Sep-18 ClosingJun-19

*Full-time officers and clerks

14

Performance Matrix

15

Strong Deposit Franchise

Deposits

CASA Deposits

11%

Retail Deposit Bulk Deposit & CD Total Deposit

Q1 FY20 Q1 FY20

Q1 FY19 Q1 FY1959,306

66,090

72,488

81,723

13%

Current Deposit Savings Deposit Total CASA

Q1 FY20 Q1 FY20 Q1 FY20

Q1 FY19 Q1 FY19 Q1 FY19

2,946 14,937

16,269

17,883

19,719

9% 10%

3,449

Rs Cr

Rs Cr

19%

Q1 FY20

Q1 FY1913,182

15,632

17%

16

Core Deposits Growing...

Breakup of Deposits

13,044 14,025 15,334 15,942 15,632

14,937 15,357 15,420 16,135 16,269

41,561 42,498 43,426 45,011 46,372

Dec-18

2,946 3,332

Jun-18

3,4853,031

Sep-18 Mar-19

3,449

Jun-19

72,488 74,911 77,665 80,420 81,723

Savings

Term

Current

Others*

Term Deposits

41,56146,372

Jun-18 Jun-19

+12%

Rs Cr

Rs Cr

*Others includes: Bulk, Certificates of Deposits

24.7 24.6 24.3 24.2 24.1

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

CASA

In (%)

17

Break Up of Non-Resident Deposits

Deposit Type Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 Q1 FY20

NRE SB 3,628 3,741 3,768 3,660 3,729

NRO SB 623 657 712 737 720

FCNR (B), RFC & Others

1,638 1,652 1,697 1,859 2,155

Low Cost NRI Deposit (Sub Total)

5,889 6,050 6,177 6,257 6,604

NRE Term Deposit 13,180 13,789 14,199 14,533 14,608

NRO Term Deposit 562 586 605 647 665

Total NRI Deposit 19,631 20,425 20,981 21,436 21,877

19,63120,425

20,98121,436

21,877

Jun-18 Mar-19Dec-18Sep-18 Jun-19

NRI Deposits

Rs Cr

18

Composition of Loan Book

36,188 37,264 38,95342,200 43,057

Jun-19Dec-18Jun-18 Sep-18 Mar-19

+19%

Corporate Advances (Above Rs 25 Cr)

Rs Cr

19,976 20,149 21,111 21,436 20,595

Jun-18 Sep-18 Dec-18 Mar-19 Jun-19

+3% -4%

Advances (Excl. Corporates) (Below Rs 25 Cr)

Rs Cr

Segment wise Break Up of Total Loan BookRs Cr

20,595 ,32%

19,070 , 30%

15,000 , 24%

8,987 , 14%

Corporate

Retail

MSME

Agriculture

19

Composition of Loan Book

Break up of Loan book

Advances (Rs Cr)

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Number Value Number Value Number Value Number Value Number Value

Less than 5 Cr 347,484 25,536 349,064 26,507 352,613 27,477 358,679 30,480 364,352 30,967

5 - 25 Cr 1,034 9,316 1,034 9,214 1,092 9,853 1,155 10,431 1,166 10,789

25 – 100 Cr 216 9,574 212 9,325 215 9,612 233 10,156 236 9,961

More than 100 Cr 53 9,186 52 9,721 52 10,192 51 9,437 49 8,781

Total 3,48,787 53,612 3,50,362 54,767 3,53,972 57,134 3,60,118 60,504 3,65,803 60,498

Gross NPA 7,930 2,552 8,072 2,646 7,757 2,930 7,606 3,132 8,258 3,154

Total Advances 356,717 56,164 358,434 57,413 361,729 60,064 367,724 63,636 374,061 63,652

20

Rating Profile of Corporate Loan Book

Standard Advances above Rs. 100 Cr

Rs Cr

21.1%

30.1%

19.3%25.8%

Jun-18 Dec-18

24.6%

9.3%5.0%

21.7%

21.1%

22.2%

Sep-18

22.8%

26.2%

25.4%

31.4%

13.8%

3.2%

37.7%

14.4%

16.8%

8.4%

Mar-19

18.1%

39.3%

15.0%

19.5%

8.2%

Jun-19

AAA BBB (incl. unrated <BBBAA A

Standard Advances above Rs. 100 Cr

2.9%

38.4%

32.2%

Jun-19

13.9%

0.0%

32.8%

21.1%21.1%

Jun-18

40.2%

21.5%

14.2%

Sep-18

2.7%

45.2%

23.5%

15.4%

13.3%

Dec-18

0.0%

12.8%

33.5%

14.9%

13.2%

Mar-19

0.0%

43.0%

30.3%

13.9%

SIB AAA SIB <BBBSIB AA SIB A SIB BBB

Rs CrExternal Rating SIB Internal Rating

21

Key Focus : Retail, MSME & Agriculture

Retail (including Gold)

MSME (Incl. MSME Gold)Agriculture (Incl. Agri Gold)

15,200 16,061 16,85718,458 19,070

Jun-18 Mar-19Sep-18 Dec-18 Jun-19

+25%

13,137 13,316 14,02715,069 15,000

Dec-18Jun-18 Sep-18 Mar-19 Jun-19

+14%

7,851 7,887 8,0688,673 8,987

Dec-18Jun-18 Sep-18 Mar-19 Jun-19

+14%

18% of the Agriculture & MSME Loans are backed by

Additional Security by way of GOLD

Retail Loans, Agriculture & MSME loans have

grown by 19% (Y-o-Y)

Rs Cr

Rs Cr

Rs Cr

22

Advances growing Across Regions

22,747 23,368 24,208 25,737 25,729

16,771 16,99617,924

19,325 19,570

16,646 17,04917,932

18,574 18,353

Sep-18Jun-18 Dec-18 Mar-19 Jun-19

56,164 57,41360,064

63,636 63,652

+13%

Rest of India South Ex- Kerala Kerala

Rs Cr

23

Net Interest Income - Quarter

Net Interest Income

494 506 520 499 536

Jun-19Mar-19Jun-18 Sep-18 Dec-18

Cost of Deposits & Yield on Advances

Net Interest Margin

2.60 2.61 2.662.46 2.53

Jun-19Sep-18Jun-18 Dec-18 Mar-19

Cost of Funds & Yield on Funds

Rs Cr

In %

In %

5.58 5.57 5.59 5.72 5.82

7.95 7.94 7.97 7.93 8.11

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Cost of Funds Yield on FundsIn %

6.06 6.08 6.16 6.30 6.32

9.50 9.50 9.64 9.51 9.69

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Cost Of Deposit Yield on Advances

24

Improving Operating Efficiency

57.955.6 54.7 54.9 55.7

Jun -18 Sept -18 Dec -18 Mar -19 Jun -19

C/I Ratio

Business per Employee Business per Branch

15.7 15.7 15.5 15.917.6

Jun-19Sep-18Jun-18 Dec-18 Mar-19

147 148 149 150163

Dec-18 Jun-19Jun-18 Sep-18 Mar-19

Employee Additions

332 99137

-33

-105

Jun -18 Sept -18 Dec -18 Mar -19 Jun -19

In %

Rs Cr Rs Cr

25

Sustainable Other Income

…Sustainable: Transaction Fees + Technology

32 35 37 33 29

59 6071 86

65

Sep-18

10895

Jun-18 Dec-18 Jun-19Mar-19

91

120

94

Total Other Income led by ….

Transaction Fees Technology

Investment Book as on June 2019

Rs Cr Rs Cr

16 1327

6549

30 3943

37

26

14

Dec-18

9

Jun-19Jun-18

10

11

Sep-18 Mar-19

5563

80

116

88

13

Profit on Sale of InvestmentsForex Other

Profit on Sale of Investments, Forex & Others

Rs Cr

146 158187

236

182

Jun-18 Mar-19Sep-18 Dec-18 Jun-19

Details Rs. Cr M Duration

HTM 16,467 5.54

AFS 4,213 2.84

HFT 12 6.63

Total 20,692 5.18

26

Break Up of Provisions

Particulars (Rs Cr) Q1 FY19 Q4 FY19 Q1 FY20

For NPA & NPI 174 191 184

For Depreciation on Investments 67 40 -1

For Standard Assets -4 14 6

For Restructured Advances/Sacrifices & FITL -1 3 5

For Unhedged Forex Exposure 1 1 -

Others -6 -30 11

Taxes 15 38 39

Total Provisions 246 257 244

27

Non-Performing Assets

Net NPA

3.27 3.16 3.54 3.45 3.41

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Gross NPA

4.54 4.61 4.88 4.92 4.96

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Net NPA MovementGross NPA Movement

Rs Cr Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Opening 1,980 2,552 2,646 2,930 3,132

Additions 609 213 659 368 241

Deductions 37 119 375 166 219

Closing 2,552 2,646 2,930 3,132 3,154

Rs Cr Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Opening 1,416 1,814 1,785 2,100 2,164

Additions 505 165 555 305 195

Deductions 107 194 240 241 224

Closing 1,814 1,785 2,100 2,164 2,135

28

Stressed Assets - QoQ

Gross Basis Net Basis

Rs Cr Q4 FY19 Q1 FY20 Q4 FY19 Q1 FY20

NPA 3,132 3,154 2,164 2,135

Restructured Advances 214 292 214 292

Total Stressed Assets 3,346 3,446 2,378 2,427

Advances 63,636 63,652 62,664 62,658

Stressed Assets as % of Advances 5.3% 5.4% 3.8% 3.9%

29

Restructured Advances Breakup

Restructured Advances

20 22

Jun-19

292

Jun-18 Sep-18 Dec-18 Mar-19

200214

Sector Breakup - June 2019

7.2%

92.8%

Construction EPC

Others(on Account of KeralaFloods and MSMERestructuring)

Security Receipts Outstanding as on June 2019

Book Value Provision NAV

1,285 279 1,006

Rs Cr

Rs Cr

30

Restructured Advances

Restructured Asset Book

Rs Cr

- -

21 -

32 1

Infra Roads

OpeningIncrease in

Existing Balance

Construction EPC

Others-under MSME GST Scheme

-

-

-

Slippages to NPA

161 3

Others -Under Kerala

Floods-

-

21

107

Closing Balance

164

-

-

74

Fresh Addition

-

-

-

-

Decrease in Balance

-

214 4Total - 29274 -

31

Fresh Slippages/Advance Ratios

MSME Slippage

Retail Slippage

Corporate Slippage

0.40% 0.42%

0.20% 0.20%

0.39%

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Agriculture Slippage

1.54%

0.09%

2.38%

0.53%0.12%

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

1.72%

0.76% 0.80%0.75% 0.88%

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

0.14% 0.22% 0.04%

1.15%

0.11%

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

Overall Slippage

1.07%

0.35%

1.09%

0.57%0.38%

Jun-18 Sept-18 Dec-18 Mar-19 Jun-19

32

Capital Composition

BASEL III In %

10.1 10.0 9.7 10.0 9.7

2.1 2.12.1

2.62.5

Jun-18 Sep-18

12.1

Dec-18 Jun-19Mar-19

12.211.8

12.612.2

Tier 2 Tier 1

33

Profit & Loss Overview - Q1 FY20

Rs Cr Q1 FY20 Q1 FY19 Y-o-Y (%) Q4 FY19 Q-o-Q (%)

Net Interest Income 536 494 8% 499 7%

Other Income 182 146 25% 236 -23%

Total Income 718 640 12% 735 -2%

Operating Expenses 400 371 8% 407 -2%

Operating Profit 318 270 18% 328 -3%

Provisions (Ex-Tax) & Contingencies

205 232 -11% 219 -6%

Profit Before Tax 113 38 196% 108 4%

Provision for Tax 39 15 161% 38 4%

Profit After Tax 73 23 218% 71 4%

34

Balance Sheet Overview - Q1 FY20

Rs Cr Q1 FY 20 Q1 FY 19 Y-o-Y (%) Q4 FY 19 Q-o-Q (%)

Capital & Liabilities 93,804 83,328 12.6% 92,279 1.7%

Capital 181 181 0.0% 181 0.0%

Reserves and Surplus 5,325 5,085 4.7% 5,154 3.3%

Deposits 81,723 72,488 12.7% 80,420 1.6%

Borrowings 5,003 4,277 17.0% 4,903 2.0%

Other Liabilities & Provisions 1,572 1,297 21.2% 1,621 -3.0%

Assets 93,804 83,328 12.6% 92,279 1.7%

Cash & Balances with RBI 3,607 3,397 6.2% 3,662 -1.5%

Balances with Banks 1,357 353 284.3% 1,161 16.9%

Investments 20,249 18,457 9.7% 19,081 6.1%

Advances 62,658 55,444 13.0% 62,694 -0.1%

Fixed Assets 790 679 16.4% 709 11.5%

Other Assets 5,143 4,998 2.9% 4,973 3.4%

Business (Advances + Deposits) 144,381 127,932 12.9% 144,056 0.2%

Current Accounts 3,449 2,946 17.1% 3,332 3.5%

Savings Accounts 16,269 14,937 8.9% 16,135 0.8%

CASA Ratio 24.1% 24.7% - 24.2% -

35

Key Metrics - Quarterly

Particulars FY18 FY19 FY20

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1

Net Interest Margin (NIM) 2.80% 2.95% 2.88% 2.73% 2.60% 2.61% 2.66% 2.46% 2.53%

CRAR Basel III 12.1% 11.7% 12.5% 12.7% 12.2% 12.1% 11.8% 12.6% 12.2%

RoAA (Annualized) 0.6% 0.02% 0.6% 0.6% 0.1% 0.3% 0.4% 0.3% 0.3%

Provision Coverage 44.6% 44.1% 49.4% 41.2% 39.1% 41.9% 41.2% 42.5% 45.1%

CASA 25.2% 24.6% 24.9% 23.8% 24.7% 24.5% 24.3% 24.2% 24.1%

Gross NPA 3.61% 3.57% 3.40% 3.59% 4.54% 4.61% 4.88% 4.92% 4.96%

Net NPA 2.54% 2.57% 2.35% 2.60% 3.27% 3.16% 3.54% 3.45% 3.41%

Book Value per Share (Rs.) 27.7 27.6 28.4 29.0 29.1 29.0 29.5 29.5 30.4

EPS (Rs.) (Annualized) 2.3 0.1 2.5 2.6 0.5 1.5 1.8 1.6 1.6

Branches (incl. ECs)

- Kerala 493 494 494 496 496 496 494 503 503

- South India (Ex-Kerala) 259 260 261 264 266 266 266 270 270

- Rest of India 149 149 149 149 149 150 150 150 150

Total Branches 901 903 904 909 911 912 910 923 923

36

Next Generation Bank

37

Present across Customer Touch Points

SIB Mirror + Mobile Banking

Point of SaleInternet Banking

ATMs

1,400 ATMs across India

Branches

870 Branches & 53 Extension Counters

Traditional & Alternate Channels

38

Technology Initiatives

Mirror + is an all in one stop for your mobile banking needs, with additional features as IMPS (24/7) fund transfer, NEFT fund transfers, and full access to account information, and much more

SIBerNet is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers with added security like OTP, FRM Solution.

Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers.Instant account opening facility through Quick Account Opening, TAB Account Opening supported by e-KYC.

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

39

Personal Banking: Technology Banking

Active Internet Users

313 332 354 390 403

Jun-18 Sep-18 Dec-18 Mar-19 Jun-19

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

948 962 9291,027 1,060

Mar-19Sep-18Jun-18 Dec-18 Jun-19

6,185 6,4516,989

7,961 8,330

Dec-18Jun-18 Sep-18 Mar-19 Jun-19

2,6823,632

5,549

7,437

8,653

Jun-19Sep-18Jun-18 Dec-18 Mar-19

+223%

2,2572,657

3,401

4,241

4,918

Jun-18 Mar-19Sep-18 Dec-18 Jun-19

+118%

(000s) (000s)

(000s)

Rs Cr

Rs Cr

40

Personal Banking: Debit Cards

3.9 4.0 4.3 3.8

2.7

Jun-18 Sep-18 Dec-18 Mar-19 Jun-19

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

36.8 37.6 38.1 38.334.7

Mar-19Jun-18 Jun-19Dec-18Sep-18

In Millions In Millions

Rs Cr

7,512 7,573 7,7617,321 7,508

Jun-18 Sep-18 Mar-19Dec-18 Jun-19

41

About Us

42

Leadership Team

Mr. V G Mathew, MD & CEO

Post Graduate in Physics and CALLB with over 40 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

43

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

44

Management Team

Mr. John Thomas (Country Head - Business Development)

• Bachelors Degree in Science, MBA and CAIIB

Mr. Raphael T.J., Chief General Manager (Chief Information Officer)

• 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. Benoy Varghese (Country Head - Wholesale Banking)

Mr. Sanchay Kumar Sinha (Country Head - Retail Banking)

• Bachelor’s degree in Arts, Post Graduate Certificate in Business Management (XLRI)

Mr. Shelly Joseph, General Manager

• Masters Degree in Commerce & CAIIB

Mr. Chandrasekhar Mukherjee, Chief People Officer

• Bachelors Degree in Commerce

• Post Graduation Diploma in Personnel Management & Industrial Relation

45

Management Team

Mrs. Chithra H, Chief Financial Officer

• Bachelors Degree in Commerce

• Associate member of the Institute of Chartered Accountants of India

• Certified Associate of the Indian Institute of Banking & Finance

Mr. Sibi P M, Chief Compliance Officer

• Bachelor of Technology

• Certified Associate of Indian Institute of Banking & Finance

• FRM and GARP

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

Mr. Reddy N J, General Manager

• Masters Degree in Commerce & LLB

Mr. Anto George T, General Manager(Head of Inspection & Vigilance Department and Chief of Internal Vigilance)

• Bachelors Degree in Arts & Post Graduate Diploma in Computer Application and MBA in HR Management

• Certification in RDBMS & Oracle 8i and JAIIB

46

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.

47

Company Investor Relations Advisors

The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mrs. Chithra H, CFOMr. Vijith S, Dy. General ManagerMr. Abhishek Nalwayachithra@sib.co.in vijiths@sib.co.inabhisheknalwaya@@sib.co.in

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Mr. Shogun Jain / Mr. Sagar Shroffshogun.jain@sgapl.net / sagar.shroff@sgapl.net+91 77383 77756 / +91 98205 19303

www.sgapl.net

For further information, please contact: