Experience Next Generation Banking

Investor PresentationJuly - 2016

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

Business Strategy

Performance Matrix

Next Generation Bank

An Inflection Point

4

Business Strategy

5

Our Strategy…

• Focus on retail loan products

• Efficient branches for faster processing of loans

• Continuous training of work force

• 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 clients

• Enhance treasury capabilities & increase bench strength

• Expand PoS & ATM Network

Improve share of

other Income

6

…Our Performance is in Line with our Strategy

INCREASE20% YoY

Expand Retail Business (Ex cl. Gold)

Rs. 24,609 Crs

Strengthen SME Base

Rs. 9,830 Crs

Improve CASA

23.24%

Enhance Asset Quality(Restructured Book)

Rs. 1,387 Crs

Improve share of other Income

Rs. 173 Crs

INCREASE20% YoY

INCREASE96 bps YoY

DECREASE36% YoY

INCREASE67% YoY

7

We will continue to focus on our 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

8

...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

Centralize Marketing & Processing

Centre (Kochi)

01 02 03

Retail Hub

• Home Loan• Auto Loan• MSME Loan• LAP

Cluster Branches

9

…by focus on Housing Loans in Retail

2,241 2,369 2,499 2,614 2,677

2,003 1,655 1,417

1,540 1,559 1,501 1,564 1,510

1,733 1,801 1,9982,521 2,410

941 858 872

973 925910 1,008 1,057

1,049 1,063

1,455 1,371

9,382

Dec-15Sep-15

9,250

Jun-15

9,368

Jun-16

10,002

Mar-16

10,093

Retail Breakup

LAD*

Service & Traders

Manufacturing

Gold

Housing

Others

Housing: Key Initiatives

• Retail hub in Cochin 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

April to June 2016

• Housing Loans Sanctioned : 826 Nos.

• Amount of Housing Loans Sanctioned – Rs. 165 cr

Rs Crs

*LAD = Loan against deposits

10

…becoming a Banker of Choice to SMEs

Loan Book by Geography – Q1 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

15.5615.3315.2615.28

13.70

Sep-15Jun-15 Jun-16Mar-16Dec-15

Kerala44%

South (Ex-

Kerala)33%

Rest of India23%

Rs Lakhs

11

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 453

South India (Ex-Kerala) 245

Rest of India 140

Total 838

Total Branch Network

Total ATM Network

838834822794738688

FY12 FY13 FY14 FY15 FY16 Q1 FY17

+4.0%

1,2911,2871,200

1,000800

663

+14.3%

FY14 FY15 FY16 Q1 FY17FY13FY12

*Map for illustration purpose only

12

… and our Experienced Employees

Total Employees: 6,975*

1%13%

34%

30%

22%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

41

32

75

6,975

ClosingJun-16Mar-16Dec-15Sep-15

14

Jun-15

7,137

*Employees include full-time officers and clerks.

13

Performance Matrix

14

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

13%

Core Deposit Non-Core Deposit Total Deposit

June-16 June-16

June-15 June-1543,173

48,634

52,324

57,889

11%

Current Deposit Savings Deposit Total CASA

June-16 June-16 June-16

June-15 June-15 June-15

2,034 9,622

11,267

11,656

13,454

8% 17% 15%

2,187

Rs Crs

Rs Crs

1%

June-16

June-159,151

9,255

15

Core Deposits Growing...

Breakup of Deposits

9,151 8,630 7,930 9,203 9,205

9,622 9,915 10,17710,476 11,267

31,517 32,334 33,20434,059

35,230

2,157

Sep-15

53,036

Jun-15

52,324

2,034

Jun-16

57,889

2,187

Mar-16

55,721

1,983

Dec-15

53,441

2,130

Others*CurrentSavingsTerm

CASA Deposit

2,187

Jun-15

+15%

11,267

13,454

Jun-16

11,656

9,622

2,034

Term Deposits

35,23031,517

+12%

Jun-16Jun-15

Rs Crs Rs Crs

SavingsCurrent

Rs Crs

*Others includes: Bulk, Certificates of Deposits

16

NRI Deposits Growing…

22.3 22.8

23.0

22.4

23.2

Jun-15 Sept-15 Dec-15 Mar-16 Jun-16

CASA NRI Deposits

15,02514,303

13,56612,904

12,193

Jun-16Mar-16Dec-15Sep-15Jun-15

+23%

In (%)Rs Crs

17

15,998 , 38.07%

8,585 , 20.43%

1,417 , 3.37%

9,830 , 23.39%

6,194 , 14.74%

Corporate Retail Ex Gold Gold

SME Agriculture

Composition of Loan Book

26,02625,68624,01723,35822,503

Dec-15Sep-15Jun-15 Jun-16Mar-16

+16%

Segment wise Break UpCorporate Advances (Above Rs 25 Crs)

Rs Crs Rs Crs

15,99816,09916,58416,85716,317

Jun-16Mar-16

-2%

Dec-15Sep-15Jun-15

Retail Advances

Rs Crs

18

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

8,5858,7217,9277,5957,365

Mar-16Dec-15Sep-15Jun-15 Jun-16 Mar-16

1,371

Dec-15

1,455

Sep-15

1,655

Jun-15

2,003

Jun-16

1,417

9,8309,8239,0868,7568,218

Mar-16Dec-15Sep-15Jun-15 Jun-16

6,1945,7705,5495,352

4,917

Mar-16Dec-15 Jun-16Jun-15 Sep-15

~15% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 20%

Rs Crs

Rs Crs

Rs Crs

Rs Crs

19

Advances growing across Regions

14,270 14,739 14,983 15,680 15,994

12,682 13,187 13,17813,556 13,315

11,89912,289 12,440

12,549 12,715

41,785

Mar-16Dec-15

40,601

Sep-15

40,215

Jun-15

38,851

Jun-16

42,024

Rest of India KeralaSouth Ex- Kerala

Rs Crs

20

Net Interest Income - Quarter

Net Interest Income

374374407388

340

Mar-16Dec-15Sep-15Jun-15 Jun-16

Cost of Deposits & Yield on Advances

Net Interest Margin

2.742.632.922.81

2.54

Jun-16Sep-15Jun-15 Dec-15 Mar-16

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

7.07 6.71 6.55 6.38 6.30

9.39 9.28 9.21 8.788.73

Jun-15 Sept-15 Dec-15 Mar-16 Jun-16

Cost of Funds Yield on FundsIn %

7.85 7.53 7.38 7.24 6.98

11.49 11.38 11.21 10.56 10.89

Jun-15 Sept-15 Dec-15 Mar-16 Jun-16

Cost Of Deposit Yeild on Advances

21

Net Interest Income - Cumulative

Net Interest Income

374

1,510

1,135

729

340

Sep-15 Dec-15 Mar-16 Jun-16Jun-15

7.85 7.69 7.58 7.526.98

11.49 11.43 11.36 11.1810.89

Jun-15 Sept-15 Dec-15 Mar -16 Jun -16

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.742.732.762.672.54

Jun-16Jun-15 Sep-15 Dec-15 Mar-16

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

7.08 6.89 6.77 6.69 6.30

9.41 9.33 9.29 9.18 8.73

Jun-15 Sept-15 Dec-15 Mar -16 Jun -16

Cost of Funds Yield on FundsIn %

22

Improving Operating Efficiency

59.2858.70

56.60 56.62

52.57

Jun-15 Sept-15 Dec-15 Mar -16 Jun -16

C/I Ratio

Business per Employee Business per Branch

13.012.011.911.711.5

Mar-16Dec-15Sep-15Jun-15 Jun-16

115108108107107

Mar-16Dec-15Sep-15Jun-15 Jun-16

Employee Additions

128

-14

-75

-41 -32

Jun-15 Sept-15 Dec-15 Mar -16 Jun -16

In %

Rs Crs Rs Crs

23

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

21 21 23 23 25

5239 44 52 54

Jun-16

79

Mar-16

76

Dec-15

67

Sep-15

60

Jun-15

72

Total Other Income led by ….

TechnologyTransaction Fees

Investment Book as on Jun-16

Rs Crs Rs Crs

42 5030

57

14

23

13

14

15

2422

10

Dec-15 Jun-16Mar-16Sep-15

4

Jun-15

99

Profit on Sale of InvestmentsOtherForex

Profit on Sale of Investments, Forex & Others

Rs Crs

173

139153

121104

Jun-16Mar-16Dec-15Sep-15Jun-15

Details Rs. Crs M Duration

HTM 12,562 5.44

AFS 2,572 3.76

HFT 2.34 -

Total 15,137 5.20

24

Break Up of Provisions

Rs Crs Q1-FY 17 Q1-FY 16 Q4-FY16

For NPA & NPI 93.09 41.22 191.10

For Depreciation on Investments -5.36 20.33 0.50

For Standard Assets 22.18 9.43 -37.37

For Restructured Advances/Sacrifices & FITL 4.05 6.71 -29.45

For Unhedged Forex Exposure 0.31 -1.08 -0.69

Others -0.16 2.89 -7.84

Taxes 50.31 36.08 33.08

Total Provisions 164.42 115.58 149.33

25

Non Performing Assets

Net NPA

1.21%1.39%

1.80%

2.89% 2.89%

June-15 Sept-15 Dec-15 Mar-16 Jun-16

Gross NPA

1.85%2.24%

2.75%

3.77% 3.96%

June-15 Sept-15 Dec-15 Mar-16 Jun-16

Net NPA MovementGross NPA Movement

Rs Crs Sep-15 Dec-15 Mar-16 Jun-16

Opening 714 892 1,108 1,562

Additions 222 367 845 125

Deductions 44 151 391 36

Closing 892 1,108 1,562 1,651

Rs Crs Sep-15 Dec-15 Mar-16 Jun-16

Opening 464 550 716 1,185

Additions 89 311 664 105

Deductions 4 145 195 98

Closing 550 716 1,185 1,192

26

Restructured Advances Breakup

Restructured Assets Break-up

195313

306

443 442

945949

1,930

2,236

Dec-15

1,392

Sep-15

2,313

2,000

Mar-16Jun-15

2,170

1,975

Jun-16

1,387

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure – Q1FY17

18%

43%

39%

Power DiscomsConstruction EPCOthers

Rs Crs

*Other includes IT, Bullion, etc.

Government’s Uday Scheme

targeted towards power Discomsbenefiting SIB

Benefits of Udaygetting reflected in Restructured

Book

UDAY Scheme to Benefit

27

Restructured Standard Advance

Restructured Standard Asset BookRs Crs

+214 0 -43

+402 0 -

+333 0 -

DISCOMS

OpeningIncrease in

Existing Balance

Uday – SDLInvestments

Construction EPC

Others

0

0

0

Slippages to NPA

+949 0 -43Total 0

+169

+402

+374

Closing Balance

+945

0

0

+42

Fresh Addition

+42

-2

0

-1

Decrease in Balance

-3

28

Movement in Restructured Accounts

Movement in Restructured Accounts

4642

Closing

1,387

Dec. in BalanceUpgradationto Standard

1

Fresh AdditionsOpening

1,392

Shift of focus from Large Corporate

toSMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs

29

Adequate Provisioning

NPA Provisioning

8.5

91.1

Closing

437.2

DeductionsAdditionsOpening

354.6

Provisioning

Coverage Ratio

42.55%

Advances in the Initial

quarters as NPAs :

Requiring

Less Provisioning

Rs Crs

30

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.19%0.12% 0.15%

0.86%

0.55%

Jun-15 Sept-15 Dec-15 Mar-16 Jun-16

Agriculture Slippage

0.21% 0.23%

0.02%

0.23%

0.38%

Jun-15 Sept-15 Dec-15 Mar-16 Jun-16

0.55%

0.44%

0.61%

0.27%

0.55%

Jun-15 Sept-15 Dec-15 Mar-16 Jun-16

0.60%0.95%

1.80%

4.42%

0.00%

Jun-15 Sept-15 Dec-15 Mar-16 Jun-16

31

Well Capitalized to support Growth

BASEL III

10.0 9.6 9.4 9.8 9.9

1.4 2.3 2.32.0 1.8

Mar-16

11.8

Dec-15

11.7

Sep-15

11.9

Jun-15

11.4

Jun-16

11.7

In %

32

Key Performance Highlights- Q1 FY17

Rs in Crores Q1 FY17 Q1 FY16 Growth

Net Total Income

547 444 23.17%

EBIDTA 17 41 26%Deposits 57,889 52,324 10.64%

Advances 42,024 38,820 8.25%

CASA 23.24% 22.28% 96 bps

PAT 95 65 45.60%

33

Balance Sheet Overview- Q1 FY17

Rs Crs Q1-FY 17 Q1-FY 16 Y-o-Y (%) Q4-FY 16 Q-o-Q (%)

Capital & Liabilities 64,504 58,940 9.44% 63,175 2.10%

Capital 135 135 0.02% 135 0.00%

Reserves and Surplus 3,916 3,520 11.24% 3,707 5.63%

Deposits 57,889 52,324 10.64% 55,721 3.89%

Borrowings 1,395 1,660 -15.97% 2,315 -39.74%

Other Liabilities & Provisions 1,169 1,301 -10.14% 1,297 -9.88%

Assets 64,504 58,940 9.44% 63,175 2.10%

Cash & Balances with RBI 2,602 2,417 7.63% 2,476 5.06%

Balances with Banks 827 825 0.25% 623 32.68%

Investments 15,386 13,285 15.81% 14,619 5.25%

Advances 41,237 38,243 7.83% 41,086 0.37%

Fixed Assets 594 478 24.31% 487 22.01%

Other Assets 3,858 3,692 4.50% 3,884 -0.66%

Business (Advances + Deposits) 99,126 90,567 9.45% 96,806 2.40%

Current Accounts 2,187 2,034 7.51% 1,983 10.28%

Savings Accounts 11,267 9,622 17.09% 10,476 7.55%

CASA Ratio 23.24% 22.28% 96 bps 22.36% 88 bps

34

Profit & Loss Overview- Q1 FY17

Rs Crs Q1-FY 17 Q1-FY 16 Y-o-Y (%) Q4-FY16 Q-o-Q (%)

Net Interest Income 374 340 9.78% 374 -0.18%

Other Income 173 104 67.04% 139 24.72%

Total Income 547 444 23.17% 513 6.57%

Operating Expenses 288 263 9.23% 291 -1.19%

Operating Profit 259 181 43.45% 222 16.73%

Provisions (Ex-Tax) & Contingencies

114 80 44.61% 116 -1.84%

Profit Before Tax 145 101 43.39% 106 37.09%

Provision for Tax 50 36 39.40% 33 52.13%

Exceptional Items - - - - -

Profit After Tax 95 65 45.60% 73 30.27%

35

Key Metrics- Quarterly

Particulars FY15 FY16 FY17

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1

Net Interest Margin (NIM) 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% 2.74%

CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.68%

RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.57%

Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.55%

CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.24%

Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% 3.96%

Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% 2.89%

Book Value per Share (Rs.) 25.88 26.47 27.10 26.59 27.07 27.76 28.51 28.45 30.00

Earnings per Share (Rs.) (Annualized)

3.78 3.01 2.87 2.28 1.93 2.34 2.56 2.47 2.82

Branches

- Kerala 439 440 441 444 447 447 447 449 453

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

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

Total Branches 801 805 810 822 828 831 831 834 838

ATMs

- Kerala 565 587 607 651 670 682 688 698 701

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

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

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

36

Next Generation Bank

37

Present across Customer Touch Points

Mobile Banking Mobile Banking

Point of SaleInternet Banking

ATMs

1,291 ATMs across India

Branches

838 Branches & 42 Extension Counters

Traditional & Alternate Channels

38

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

39

Personal Banking: Technology Banking

Active Internet Users

135162

133 134 141

Jun-15 Sep-15 Dec-15 Mar-16 Jun-16

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

611591

1,254

536

866

Mar-16Dec-15Sep-15Jun-15 Jun-16

2,5512,5152,385

1,887

2,356

Mar-16Dec-15Sep-15Jun-15 Jun-16

748670

507437

342

Sep-15Jun-15 Jun-16Mar-16Dec-15

170

124104

74

233

Mar-16Dec-15Sep-15Jun-15 Jun-16

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

40

Personal Banking: Debit Cards

2.5 2.8 3.0

3.3 3.4

Jun-15 Sep-15 Dec-15 Mar-16 Jun-16

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

30.830.428.929.226.8

Mar-16Dec-15Sep-15Jun-15 Jun-16

5,7775,3755,1645,0474,806

Mar-16Dec-15Sep-15Jun-15 Jun-16

In Millions In Millions

Rs Crs

41

An Inflection Point

42

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

43

About Us

44

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

45

Expansion over a Decade

Branch Network

140121

245263

449

56

FY16FY06

440

~2X

834

Kerala South Ex-Kerala Others (Rest of India)

ATM Network

698

202

387

66

1,287

144

40

~9x

FY16FY06

38

46

Performance over a Decade

1,510

310

CAGR : 17%

FY16FY06

Net Interest Income

96,806

15,949

FY06 FY16

CAGR : 20%

Business (Advances + Deposits)

333

51

FY06 FY16

CAGR : 21%

Profit After Tax

3.77

4.99

FY06

122bps

FY16

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

47

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

48

Leadership Team

Mr. Thomas Joseph K, EVP (Administration)

• 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

49

Management Team

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

• Bachelors Degree in Science, MBA and CAIIB

Mr. Murali N A., General Manager(Mumbai Regional Office)

• Masters Degree in Commerce and JAIIB

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

• Bachelors Degree in Commerce, Masters in EXIM,

Diploma in Financial Management and CAIIB

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

• Masters Degree in Arts and Post Graduate Diploma in

Personnel Management & JAIIB

• Bachelors Degree in Arts & Masters Degree in Business

Administration and CAIIB

Mr. Anto George T., General Manager (Delhi Regional Office)

• Bachelors Degree in Arts & Post Graduate Diploma in

Computer Application, Certification in RDBMS & Oracle

8i and JAIIB

Mr. Bobby James , General Manager (Inspection & Vigilance)

• Bachelors Degree in Commerce, C.A. (Inter) and JAIIB

Mr. Benoy Varghese, General Manager(Credit Department)

50

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

51

Awards & Recognition

SIB wins prize in IDRBT Banking Application Contest

SIB wins Master Card Innovation Award

SIB wins ‘Social Banking Excellence Award instituted by ASSOCHAM”

52

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 Jaindpayal@sgapl.net / jshogun@sgapl.net+91 98199 16314 / +91 77383 77756www.sgapl.net

For further information, please contact: