Experience Next Generation Banking

Investor PresentationOctober - 2015

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

An Introduction

Business Strategy

Performance Matrix

Next Generation Bank

An Inflection Point

Awards & Recognitions

4

An Introduction

5

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

6

Expansion over a Decade

Branch Network

142117

236

444

51

251

FY15FY05

419

~2X

822

Kerala South Ex-Kerala Others (Rest of India)

ATM Network

651

187

362

58

1,200

121

33

~10x

FY15FY05

30

7

Performance over a Decade

1,366

257

FY05 FY15

CAGR : 18%

Net Interest Income

89,304

13,858

FY15FY05

CAGR : 20%

Business (Advances + Deposits)

307

9

CAGR : 43%

FY05 FY15

Profit After Tax

1.71

6.64

493bps

FY05 FY15

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

8

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

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

Investment Committee, and Corporate Centre Credit Committee and was a director on the board of SBI Macquarie

Infrastructure Trustee (P) Ltd.

Mr. A.G. Varughese, SVP (Operations)

Bachelors Degree in Science & General Law, Masters in

Business Administrations and CAIIB with over 38 years of

experience

He is associated with SIB since 1976 and heads

Departments such as Treasury Operations, International

Banking Division, Information Communication &Technology,

Premises & Maintenance, Planning & Development,

Integrated Risk Management & Compliance

Mr. Joseph George Kavalam, SVP(Administration)

• Bachelors Degree in Science with over 38 years of

experience

• He is associated with SIB since 1976 and heads

Departments such as Personnel, Inspection &

Vigilance, Securities , Marketing, Corporate Financial

Management and Secretarial

• Experienced banker with high capabilities relating to

HR, Forex & Administration

9

Management Team

Mr. Thomas Joseph K., Chief General Manager

• Bachelors Degree in Engineering and Diploma in Management & CAIIB

• He is heading Credit & Legal Departments

Mr. John Thomas, General Manager (Credit Deportment – Retail Credit)

• Bachelors Degree in Science, MBA and CAIIB

Mr. Murali N A., General Manager(Mumbai Treasury Department)

• 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 (Personnel & Planning & Development Department)

• Masters Degree in Arts and Post Graduate Diploma in

Personnel Management & JAIIB

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

• 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

10

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

Ms. Chitra H, Chief Compliance Officer

• Bachelors Degree in Commerce, Associate Member of

Institute of Chartered Accountants of India and Certified

Associate of Indian Institute of Banking & Finance.

Mr. Jimmy Mathew, Company Secretary

• Associate Member of Institute of Company Secretaries of

Indian and Institute of Cost & Management Accountants

of India. Also a Certified Associate of the Indian Institute

of Banking & Finance

11

Business Strategy

12

Focus is back 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 a Geography 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

14

…by focus on Housing Loans in Retail

1,722 1,915 2,106 2,241 2,369

3,665 2,857 2,485 2,003 1,655

1,607

1,6201,580

1,540 1,559

1,798

1,7911,726

1,733

787

847926

941 858

730

803 834910 1,008

1,801

9,368

Mar-15

9,657

Jun-15

9,83310,309

Dec-14Sep-14 Sep-15

9,250

Retail Breakup

Housing

Gold

Manufacturing

Service & Traders

LAD*

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

July -1 to Sept - 30

• Housing Loans Sanctioned : 1,419 Nos.

• Amount of Housing Loans Sanctioned – Rs. 275.28cr

Rs Crs

*LAD = Loan against deposits

15

…becoming a Banker of Choice to SMEs

Loan Book by Geography – Q2-FY16

• Dedicated GM 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

15.3

13.7

12.5

10.5

9.2

Dec-14 Mar-15Sep-14 Jun-15 Sep-15

Kerala45%

South (Ex-

Kerala)33%

Rest of India22%

Rs Lakhs

16

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 447

South India (Ex-Kerala) 241

Rest of India 143

Total 831

Total Branch Network

Total ATM Network

831822794738688631

FY13FY12FY11

+5.7%

Q2FY16FY14 FY15

1,2601,200

1,000800

663490

+20.8%

FY11 Q2FY16FY15FY13FY12 FY14

*Map for illustration purpose only

17

… and our Experienced Employees

Total Employees: 7,123*

9%

15%

29%25%

22%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

72

128

14

Mar-15 Jun-15

7,123

6,937

Sep-14 Dec-14 Sep-15

*Employees include full-time officers and clerks.

18

Performance Matrix

19

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

19%

Core Deposit Non-Core Deposit Total Deposit

Sept-15 Sept-15 Sept-15

Sept-14 Sept-14 Sept-1437,316

44,420

9,377

8,615

46,693

53,036

14%

Current Deposit Savings Deposit Total CASA

Sept-15 Sept-15 Sept-15

Sept-14 Sept-14 Sept-14

1,859 8,456

9,915

10,315

12,072

16% 17% 17%

2,157

8%

Rs Crs

Rs Crs

20

Core Deposits Growing...

Breakup of Deposits

9,326 9,579 11,2589,151 8,630

8,456 8,5988,868

9,622 9,915

27,05228,456

29,968 31,517 32,334

2,1572,034

52,32451,912

Dec-14

48,45946,693

1,859

Sep-14

1,818

Mar-15

1,826

Jun-15

53,036

Sep-15

CurrentSavings Others*Term

CASA Deposit

9,915

2,157

Sep-14

10,315

8,456

1,859

+17%

Sep-15

12,072

Term Deposits

32,33427,052

+20%

Sep-14 Sep-15

Rs Crs Rs Crs

Current Savings

Rs Crs

*Others includes: Bulk, Certificates of Deposits

21

NRI Deposits Growing…

22.1

21.5

20.6

22.3 22.8

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

CASA NRI Deposits

12,90412,193

11,39310,745

10,252

Mar-15 Jun-15Dec-14Sep-14 Sep-15

In (%)

As on March 2015 : 71% of Liabilities will be re-priced within 1 year

Rs Crs

22

16,857 42%

7,595 19%

1,655 4%

8,756 22%

5,352 13%

Corporate Retail Ex Gold Gold

SME Agriculture

Composition of Loan Book

21,515 21,946 22,545 22,503 23,358

14,356 15,05215,433 16,317

16,857

38,820

Jun-15

+12%

Mar-15

37,978

Dec-14 Sep-15

36,998

Sep-14

+9%

35,871

11%

40,215

Segment wise Break UpTotal Advances

Corporate (Above Rs 25 Crs) Retail & SMEs (Below Rs. 25 Crs)

Rs Crs Rs Crs

23

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

7,5957,3657,1726,9766,644

Jun-15Mar-15Sep-14 Dec-14 Sep-15

+14%

Sep-14

2,0032,485

Jun-15Mar-15

2,857

-55%

Dec-14

3,665

Sep-15

1,655

8,7568,2188,8118,3747,799

Jun-15Mar-15

+12%

Dec-14 Sep-15Sep-14

5,3524,917

4,0773,7393,407

Mar-15 Jun-15Sep-14 Dec-14

+57%

Sep-15

~17% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 22%

Rs Crs

Rs Crs

Rs Crs

Rs Crs

24

81% of Lending to Investment Grade

Rating wise distribution of Standard Advances

81%

19%

Investment Grade High Yield

38%

35%

9%

9%

9%

SIB-AAA/AA SIB-A SIB-BBB

SIBB<BBB Unrated

Investment Grade – Rating wise Break Up

25

Advances growing across Regions

12,435 12,880 13,741 14,270 14,739

13,530 13,542 12,769 12,682 13,187

9,89210,549 11,444 11,899

12,289

40,215

Mar-15

36,971

Sep-14

35,857

Jun-15Dec-14 Sep-15

38,85137,954

+24%

+19%

-3%

KeralaRest of India South Ex- Kerala

Rs Crs

26

Net Interest Income - Quarter

Net Interest Income

388340347

320358

Dec-14 Mar-15Sep-14 Jun-15 Sep-15

7.87 8.00 8.05 7.857.53

11.8711.46 11.61 11.49

11.38

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.812.54

2.702.50

2.88

Jun-15Mar-15Sep-14 Dec-14 Sep-15

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

7.06 7.04 6.92 7.076.71

9.719.32 9.38 9.39

9.28

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

Cost of Funds Yield on FundsIn %

27

Net Interest Income - Cumulative

Net Interest Income

729

340

1,366

1,019

699

Dec-14 Mar-15Sep-14 Jun-15 Sep-15

7.95 7.97 7.99 7.85 7.69

11.9611.79 11.74 11.49

11.43

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.672.542.702.702.80

Jun-15Mar-15Sep-14 Dec-14 Sep-15

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

7.20 7.16 7.08 7.086.89

9.76 9.63 9.55 9.419.33

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

Cost of Funds Yield on FundsIn %

28

Operating Efficiency

52.75 53.29 52.66

59.28 58.70

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

C/I Ratio

Business per Employee Business per Branch

11.711.510.810.911.0

Sep-14 Dec-14 Mar-15 Jun-15 Sep-15

10710799100100

Dec-14Sep-14 Sep-15Jun-15Mar-15

Employee Additions

240

147

72

128

-19Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

In %

Rs Crs Rs Crs

29

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

21 22 22 21 21

41 4350 52

39

72 7265

60

Jun-15 Sep-15Mar-15Dec-14Sep-14

61

Total Other Income led by ….

TechnologyTransaction Fees

Investment Book as on Sep-15

Rs Crs Rs Crs

79

2842

1413

10

15

15

12

4

Mar-15 Sep-15Jun-15

99

Dec-14

7

5

9

Sep-14

Forex Profit on Sale of InvestmentsOther

Profit on Sale of Investments, Forex & Others

Rs Crs

121104

122

160

94

Sep-15Sep-14 Mar-15 Jun-15Dec-14

Details Rs. Crs M Duration

HTM 11,049 5.14

AFS 1,838 4.51

HFT 414 8.58

Total 13,301 5.08

30

Break Up of Provisions

Rs Crs Q2-FY16 Q2-FY15 Q1-FY16

For NPA & NPI 89.13 25.46 41.22

For Depreciation on Investments (3.23) 5.28 20.33

For Standard Assets 16.3 22.69 9.43

For Restructured Advances/Sacrifices & FITL (37.89) 39.67 6.71

For Unhedged Forex Exposure (2.05) 2.91 (1.08)

Others 5.21 (0.31) 2.89

Taxes 52.18 38.91 36.08

Total Provisions 119.65 134.61 115.58

31

Non Performing Assets

Net NPA

0.90%

1.04%0.96%

1.21%

1.39%

Sept-14 Dec-14 Mar-15 June-15 Sept-15

Gross NPA

1.55%

1.80%1.71%

1.85%

2.24%

Sept-14 Dec-14 Mar-15 June-15 Sept-15

222.3

892.3

713.8

-43.8

Opening Additions Deductions Closing Opening

464.0

549.6

Deductions Closing

-3.6

Additions

89.2

Net NPA movement in Q2FY16Gross NPA movement in Q2FY16

Rs Crs Rs Crs

32

Restructured Advances Breakup

Restructured Assets Break-up

1,748 1,7631,882 1,975 2,000

131 175186

195313

Mar-15

2,1702,068

Jun-15Dec-14

1,938

Sep-14

1,879

2,313

Sep-15

Restructured Standard AdvanceRestructured NPA

Sector Standard Restructure – Q2FY16

44%

31%

25%

Power Discoms Construction EPC

Others

Rs Crs

*Other includes IT, Bullion, etc.

*

33

Movement in Restructured Accounts

Movement in Restructured Accounts

95

69

21

2,170

Fresh Additions

Closing

2,313

Upgradationto Standard

Inc. in Balance

Opening Dec. in Balance

0

Shift of focus from Large Corporate

toSMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs

34

Adequate Provisioning

NPA Provisioning

105.0

318.0

225.6

-12.6

ClosingOpening Additions Deductions

Provisioning Coverage Ratio

55.30%

Advances in the Initial quarters as NPAs :

Requiring Less Provisioning

Rs Crs

35

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.11%0.14%

0.12%

0.19%

0.12%

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

Agriculture Slippage

0.05% 0.04%

0.26%0.21% 0.23%

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

0.52%

0.38%0.43%

0.55%

0.44%

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

0.18%

0.77% 0.59%0.60%

0.95%

Sept-14 Dec-14 Mar-15 Jun-15 Sept-15

Fresh Slippage / Advances ratio is extremely low across Retail, SME & Agriculture

36

Well Capitalized to support Growth

BASEL III

10.710.0 10.5 10.0 9.6

1.4

1.41.6

1.4 2.3

11.9

Sep-15Sep-14

12.1

Jun-15Mar-15

12.1

Dec-14

11.411.4

CRAR Tier ICRAR Tier II

In %

Raised Rs. 300 CroresTier II Bonds to

strengthen Capital Base

37

Key Performance Highlights- Q2 FY16

Rs Crs Q2 - FY16 Q2- FY15 Y-o-Y

Net Interest Income 388.35 358.35 8.37%

Other Income 121.21 93.63 29.46%

Profit After Tax 93.38 76.30 22.38%

Advances 40,215 35,871 12.11%

Deposits 53,036 46,693 13.58%

GNPA 892.25 553.18 61.30%

NNPA 549.56 318.43 72.58%

NIM 2.81% 2.88% -7bps

CASA 22.76% 22.09% 67bps

38

Balance Sheet Overview- Q2 FY16

Rs Crs Q2-FY16 Q2-FY15 Y-o-Y (%) Q1-FY16 Q-o-Q (%)

Capital & Liabilities 60,127 53,418 13% 58,940 2%

Capital 135 135 0% 135 0%

Reserves and Surplus 3,613 3,433 5% 3,520 3%

Deposits 53,036 46,693 14% 52,324 1%

Borrowings 2,171 2,151 1% 1,660 31%

Other Liabilities & Provisions 1,172 1,006 17% 1,301 -10%

Assets 60,127 53,418 13% 58,940 2%

Cash & Balances with RBI 2,365 2,066 14% 2,417 -2%

Balances with Banks 667 769 -13% 825 -19%

Investments 13,174 12,018 10% 13,285 -0.8%

Advances 39,556 35,371 12% 38,243 3%

Fixed Assets 481 465 3% 478 1%

Other Assets 3,884 2,729 42% 3,692 5%

Business (Advances + Deposits) 92,592 82,064 13% 90,567 2%

Current Accounts 2,157 1,859 16% 2,034 6%

Savings Accounts 9,915 8,456 17% 9,622 3%

CASA Ratio 22.76% 22.09% 67bps 22.30% 46bps

39

Profit & Loss Overview- Q2 FY16

Rs Crs Q2-FY16 Q2-FY15 Y-o-Y (%) Q1-FY16 Q-o-Q (%)

Net Interest Income 388 358 8.28% 340 13.78%

Other Income 121 94 29.23% 104 16.35%

Total Income 509 452 12.62% 444 14.38%

Operating Expenses 297 241 23.21% 263 12.93%

Operating Profit 213 211 1.00% 181 17.70%

Provisions (Ex-Tax) & Contingencies

67 96 (29.51%) 80 (15.66%)

Profit Before Tax 145 115 26.35% 101 44.12%

Provision for Tax 52 39 34.10% 36 44.94%

Exceptional Items - - - - -

Profit After Tax 93 76 22.38% 65 43.66%

40

Key Metrics- Quarterly

Particulars FY15 FY16

Q1 Q2 Q3 Q4 Q1 Q2

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

CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9%

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

Provision Coverage 62.5% 62.9% 60.4% 60.6% 56.1% 55.3%

CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8%

Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2%

Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4%

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

Earnings per Share (Rs.) (Annualized) 3.78 3.01 2.87 2.28 1.93 2.34

Branches

- Kerala 439 440 441 444 447 447

- South India (Ex-Kerala) 228 230 231 236 239 241

- Rest of India 134 135 138 142 142 143

Total Branches 801 805 810 822 828 831

ATMs

- Kerala 565 587 607 651 670 682

- South India (Ex-Kerala) 295 311 323 362 374 376

- Rest of India 158 165 178 187 200 202

Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260

41

Next Generation Bank

42

Present across Customer Touch Points

Mobile Banking Mobile Banking

Point of SaleInternet Banking

ATMs

1,260 ATMs across India

Branches

831 Branches across India

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

5574

138 135162

Sep-14 Dec-14 Mar-15 Jun-15 Sep-15

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

536

866

556481453

Sep-15

Mar-15

Jun-15Dec-14

Sep-14

1,887

2,356

1,887

1,4671,409

Sep-15Mar-15

Jun-15Dec-14Sep-14

437

342

265210

177

Sep-15Mar-15Sep-14 Dec-14 Jun-15

104

74

50

3528

Sep-15Mar-15Sep-14 Jun-15Dec-14

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

45

Personal Banking: Debit Cards

2.4 2.5

2.7 2.5

2.8

Sep-14 Dec-14 Mar-15 Jun-15 Sep-15

# of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

29.226.826.2

23.625.2

Sep-15Sep-14 Jun-15Mar-15Dec-14

5,0474,8064,5184,081

4,389

Sep-15Mar-15 Jun-15Dec-14Sep-14

In Millions In Millions

Rs Crs

46

An Inflection Point

47

Way Forward

• 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 GM 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

48

Awards & Recognitions

49

Awards & Recognition

SIB wins 'Best IT Team Award‘Banking Technology Excellence Award

SIB wins Banking Frontiers Inspiring Work Places Award

SIB wins 'Best Private Sector Bank’ in the ABP News BFSI Awards 2015

50

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: