South Indian Bank Investor... · Life Insurance and Max Bupa for Health Insurance distribution • The strong growth witnessed by the these insurance majors

Experience Next Generation Banking

Investor PresentationJuly - 2017

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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 Companys 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 Companys 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.

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Contents

About Us

Q1 FY18 Highlights

Performance Matrix

Next Generation Bank

An Inflection Point

Business Strategy


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Q1 FY18 Highlights

5

Key Performance Highlights- Q1 FY18

12%14%

Deposits

65,791

57,889

Q1 FY18

Q1 FY17

Advances

47,264

42,024

Q1 FY18

Q1 FY17

CASA

16,586

13,454

Q1 FY18

Q1 FY17

Q1 FY18

Q1 FY17

Other IncomeNet Interest Income

Q1 FY18

Q1 FY17

219

173

461

374

Q1 FY17

23%

23% 26%

PAT

101

95

Q1 FY18

Q1 FY17

PPOP

379

259

Q1 FY18

46% 7%

Rs Crs

We have ZERO accounts in our Watchlist of Large Corporate Book

Q1 FY17


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Recent Updates

South Indian Bank has tied up with PFG Forex for remittance facility for the benefit of Indian expatriates from Australia

Under this arrangement, NRIs can enjoy cost-effective and fast remittance services using SIB's Express facility

NRIs can visit the PFG Forex outlets across Australia for remittances to India

South Indian Bank has tied up with Kotak Life and SBI Life for Life Insurance and Max Bupa for Health Insurance distribution

The strong growth witnessed by the these insurance majors will help in boosting fee income for SIB

SIB will leverage on the strong risk management expertise of these insurance majors to bolster the product offering to its customer base


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Business Strategy

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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

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Performance in Line with Strategy

INCREASE15% YoY

Expand Retail, SME & Agriculture Business

Rs. 28,367 Crs

Strengthen SME Base

Rs. 10,851 Crs

Improve CASA

Rs. 16,586 Crs

Enhance Asset Quality(Restructured Book)

Rs. 501 Crs

Improve share of other Income

Rs. 219 Crs

INCREASE10% YoY

INCREASE23% YoY

DECREASE64% YoY

INCREASE26% YoY


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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

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...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


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by focus on Housing Loans in Retail

2,677 2,756 2,828 2,903 2,993

1,417 1,432 1,290 1,3211,361

1,510 1,535 1,6062,085 2,041

2,410 2,446 2,622

3,127 3,252925

1,094 909

801986

1,0631,094 1,154

1,3291,369

Dec-16

10,358

Jun-16

10,002

Sep-16

10,409

Jun-17Mar-17

11,56612,002

+20%

Retail Breakup

Gold

ManufacturingLAD*

Others Service & Traders

Housing

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

Apr to Jun 2017

Mortgage Loans Sanctioned : 1,155 Nos.

Amount of Mortgage Loans Sanctioned 316 Crs

Rs Crs

*LAD = Loan against deposits


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becoming a Banker of Choice to SMEs

SME Loan Book by Geography Q1 FY18

Dedicated JGM 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

19.69

17.66

16.1015.7615.56

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

Kerala43%

South (Ex-Kerala)

33%

Rest of India24%

Rs Lakhs


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with the help of our Branch Network

Branch Location*No of

Branches

Kerala 463

South India (Ex-Kerala) 246

Rest of India 142

Total 851

Total Branch Network

Total ATM Network

851850834822794738

FY17FY16FY15

+2.9%

Q1 FY18FY13 FY14

1,3441,3201,2871,2001,000

800

FY15 FY17FY16

+10.9%

FY13 FY14 Q1 FY18

*Map for illustration purpose only


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and our Experienced Employees

Total Employees: 7,256*

7%1%

33%

33%

26%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

5

279

6

7,256

3

Jun-16

6,975

ClosingMar-17Dec-16Sep-16 Jun-17

*Employees include full-time officers and clerks.


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Performance Matrix

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Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

15%

Core Deposit Non-Core Deposit Total Deposit

Jun-17 Jun-17

Jun-16 Jun-1648,634

55,712

57,889

65,791

14%

Current Deposit Savings Deposit Total CASA

Jun-17 Jun-17 Jun-17

Jun-16 Jun-16 Jun-16

2,187 11,267

13,522

13,454

16,586

40% 20% 23%

3,064

Rs Crs

Rs Crs

9%

Jun-17

Jun-169,255

10,079


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Core Deposits Growing...

Breakup of Deposits

9,205 10,215 9,69311,874 10,043

11,267 11,29913,540

12,994 13,522

35,23036,279

37,41538,498 39,162

3,064

Mar-17

66,117

Sep-16

57,889

63,59560,192

Jun-17

2,7532,946

Jun-16 Dec-16

2,3992,187

65,791

Term Others*CurrentSavings

CASA Deposit

13,522

3,064

16,586

Jun-16 Jun-17

+23%

2,18713,454

11,267

Term Deposits

39,16235,230

Jun-17

+11%

Jun-16

Rs Crs Rs Crs

Current Savings

Rs Crs

*Others includes: Bulk, Certificates of Deposits


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NRI Deposits Growing

23.2 22.8

25.9

23.8 25.2

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

CASA NRI Deposits

17,38916,821

16,31715,476

15,025

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

In (%)Rs Crs


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Composition of Loan Book

29,72829,18327,25227,23026,026

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

Corporate Advances (Above Rs 25 Crs)

Rs Crs

17,53617,90117,98217,19815,998

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

Retail Advances

Rs Crs

Segment wise Break Up of Total Loan BookRs Crs

17,536 ,37.10%

10,641 , 22.51%

1,361 , 2.88%

10,851 , 22.96%

6,876 , 14.55%

Corporate

Retail Ex Gold

Gold

SME

Agriculture


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Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV 65%)

SMEAgriculture

10,64110,2459,1198,9258,585

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

1,290

Jun-16

1,3611,4321,417

Jun-17

1,321

Dec-16Sep-16

10,85110,98410,59010,4309,830

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

6,8766,6336,2536,4426,194

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

~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


22

Advances growing Across Regions

15,994 17,092 17,54818,221 18,689

13,31513,923 14,054

14,693 15,034

12,71513,413 13,632

14,170 13,541

42,024

45,23447,084

Dec-16Sep-16 Mar-17

44,428

Jun-16 Jun-17

47,264

KeralaRest of India South Ex- Kerala

Rs Crs


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Net Interest Income - Quarter

Net Interest Income

461439418445374

+23%

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

Cost of Deposits & Yield on Advances

Net Interest Margin

2.802.742.662.752.74

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

06 bps

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.30 6.18 5.97 5.72 5.62

8.73 8.66 8.32 8.168.14


Cost of Funds Yield on FundsIn %

6.98 6.75 6.53 6.33 6.24

10.89 10.59 10.32 9.97 10.06


Cost Of Deposit Yeild on Advances


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Net Interest Income - Cumulative

Net Interest Income

461

1,675

1,236

819

374

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

+23%

Mar-17

6.98 6.86 6.75 6.646.24

10.89 10.73 10.59 10.4310.06

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

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.802.722.722.752.74

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

06 bps

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.30 6.32 6.20 6.065.62

8.73 8.80 8.63 8.508.14

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

Cost of Funds Yield on FundsIn %


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Improving Operating Efficiency

52.5751.08

48.53 49.20

44.19


C/I Ratio

Business per Employee Business per Branch

14.313.813.513.213.0

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

129120119117115

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

Employee Additions

-32 35 -6

279


In %

Rs Crs Rs Crs


26

Sustainable Other Income

Sustainable : Transaction Fees + Technology

25 26 22 27 30

54 48 4559 54

86

Jun-17Dec-16 Mar-17

67

Sep-16

74

Jun-16

79 84

Total Other Income led by .

TechnologyTransaction Fees

Investment Book as on Jun-17

Rs Crs Rs Crs

57 51

12789

57

39

1825

161324

Jun-17Mar-17

8

59

Jun-16 Dec-16Sep-16

8

Other Profit on Sale of InvestmentsForex

Profit on Sale of Investments, Forex & Others

Rs Crs

219

138

259

146173

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

Details Rs. Crs M Duration

HTM 13,873 5.66

AFS 4,645 3.69

HFT 49.47 6.93

Total 18,568 5.32


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Break Up of Provisions

Rs Crs Q1-FY 18 Q1-FY 17 Q4-FY 17

For NPA & NPI 184.4 93.1 231.6

For Depreciation on Investments 26.1 -5.4 23.3

For Standard Assets -6.9 22.2 -21.1

For Restructured Advances/Sacrifices & FITL -0.2 4.1 -34.0

For Unhedged Forex Exposure -0.7 0.3 -2.4

Others 21.7 -0.2 -32.2

Taxes 53.7 50.3 40.0

Total Provisions 278.0 164.4 205.3


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Non Performing Assets

Net NPA

2.89% 2.77%2.52%

1.45%

2.54%


Gross NPA

3.96% 3.96% 3.98%

2.45%

3.61%


Net NPA MovementGross NPA Movement

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

Opening 1,562 1,651 1,745 1,787 1,149

Additions 125 226 197 1,150 686

Deductions 36 132 155 1,788 140

Closing 1,651 1,745 1,787 1,149 1,696

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

Opening 1,185 1,192 1,206 1,116 675

Additions 105 135 125 991 580

Deductions 98 121 216 1,432 72

Closing 1,192 1,206 1,116 675 1,183


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Stressed Assets - QoQ

Gross Basis Net Basis

Rs Crs Q4-FY 17 Q1-FY 18 Q4-FY 17 Q1-FY 18

NPA 1,149 1,696 675 1,183

Restructured Standard Advance 309 240 309 240

Other Stressed Advances 606 0 606 0

Total Stressed Assets 2,064 1,936 1,590 1,423

Advances 46,846 46,992 46,366 46,474

Stressed Assets as % of Advances 4.41% 4.12% 3.43% 3.06%

We have ZERO accounts in our Watchlist of Large Corporate Book


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Restructured Advances Breakup

Restructured Assets Break-up

945

761642

309240

442

532653

262261

Mar-17

571

Dec-16

1,295

Jun-17Sep-16

1,387

Jun-16

1,293

501

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure Q1FY18

75%

9%

16%

Infra Roads Construction EPC Others

Rs Crs


31

Restructured Standard Advance

Restructured Standard Asset BookRs Crs

176 3 -

22 - -

110 2 73

Infra Roads

OpeningIncrease in

Existing Balance

Uday SDLInvestments

Construction EPC

Others

-

-

-

Slippages to NPA

309 5 73Total -

179

22

39

Closing Balance

240

-

-

-

Fresh Addition

-

-

-

-

Decrease in Balance

-


32

Movement in Restructured Accounts

Movement in Restructured Accounts

73

501

571

0 2

Fresh Addition

Closure Including Write Off

Upgradation in Standard

Category

ClosingDec in Balance

Increase in Balance

Opening

0 5

Shift of focus from Large Corporate

toSMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs


33

Adequate Provisioning

NPA Provisioning

141.4489.7

451.0

102.6

ClosingAdditions DeductionsOpening

Provision Coverage

Ratio - 44.64%

NPAs in the initial period

of recognition require

lower provisioning

Rs Crs


34

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.55%

0.35%

0.11%

0.86%

0.61%


Agriculture Slippage

0.38% 0.34%

0.49%

0.90%

0.27%


0.55% 0.51%0.39%

0.64%

0.85%


0.00%

0.64%0.65%

2.37%

3.51%



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Well Capitalized to support Growth

BASEL III

In %

9.9 9.5 9.4

10.9

1.81.7 1.7

1.5

10.8

1.4

Jun-17

12.1

Dec-16

11.1

Sep-16

12.4

11.1

Mar-17Jun-16

11.7

Tier 2 Tier 1


36

Balance Sheet Overview- Q1 FY18

Rs Crs Q1-FY 18 Q1-FY 17 Y-o-Y (%) Q4-FY 17 Q-o-Q (%)

Capital & Liabilities 73,195 64,504 13.47% 74,312 -1.50%

Capital 180 135 33.56% 180 0.03%

Reserves and Surplus 4,822 3,916 23.15% 4,665 3.36%

Deposits 65,791 57,889 13.65% 66,117 -0.49%

Borrowings 1,147 1,395 -17.77% 1,958 -41.41%

Other Liabilities & Provisions 1,255 1,169 7.33% 1,391 -9.82%

Assets 73,195 64,504 13.47% 74,312 -1.50%

Cash & Balances with RBI 3,206 2,602 23.23% 3,078 4.15%

Balances with Banks 321 827 -61.16% 810 -60.33%

Investments 18,499 15,386 20.24% 19,430 -4.79%

Advances 46,498 41,237 12.76% 46,389 0.23%

Fixed Assets 653 594 9.94% 656 -0.44%

Other Assets 4,018 3,858 4.15% 3,949 1.75%

Business (Advances + Deposits) 1,12,289 99,126 13.28% 1,12,507 -0.19%

Current Accounts 3,064 2,187 40.12% 2,753 11.32%

Savings Accounts 13,522 11,267 20.02% 12,994 4.07%

CASA Ratio 25.21% 23.24% 197bps 23.82% 139bps


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Profit & Loss Overview- Q1 FY18

Rs Crs Q1-FY18 Q1-FY 17 Y-o-Y (%) Q4-FY17 Q-o-Q (%)

Net Interest Income 461 374 23.30% 439.10 4.92%

Other Income 219 173 26.45% 137.71 59.25%

Total Income 680 547 24.30% 576.81 17.89%

Operating Expenses 301 288 4.49% 296.01 1.52%

Operating Profit 379 259 46.25% 280.80 35.15%

Provisions (Ex-Tax) & Contingencies

224 114 96.58% 165.30 35.70%

Profit Before Tax 155 145 6.75% 115.50 34.36%

Provision for Tax 54 50 6.76% 39.96 34.41%

Profit After Tax 101 95 6.75% 75.54 34.34%


38

Key Metrics- Quarterly

Particulars FY15 FY16 FY17 FY18

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1Net 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% 2.8%

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% 12.1%

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% 0.6%

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% 44.6%

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% 25.2%

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% 3.6%

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% 2.5%

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 27.7

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 2.3

Branches

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

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

- Rest of India 132 133 136 139 139 140 140 140 140 140 140 141 142

Total Branches 801 805 810 822 828 831 831 834 838 839 840 850 851

ATMs

- Kerala 565 587 607 651 670 682 688 698 701 713 718 724 745

- South India (Ex-Kerala) 297 313 325 365 378 380 384 387 388 391 393 394 396

- Rest of India 156 163 176 184 196 198 200 202 202 202 202 202 203

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 1,344


39

Next Generation Bank

40

Present across Customer Touch Points

SIB Mirror + Mobile Banking

Point of SaleInternet Banking

ATMs

1,344 ATMs across India

Branches

851 Branches & 51 Extension Counters

Traditional & Alternate Channels

http://www.google.co.in/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0CAMQjRxqFQoTCNqlqrq6-scCFcdtjgodsmMHeA&url=http://indway.com/portfolio/clients/&psig=AFQjCNGdT4eNuKrmr2-v1RWngG_8Cf9Bug&ust=1442455188830877https://www.google.co.in/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0CAcQjRxqFQoTCLqig8bN58cCFY2PjgodFkwGSw&url=https://en.wikipedia.org/wiki/South_Indian_Bank&psig=AFQjCNEZ3rFfSObScgeGF5zFrC3KE6b3rA&ust=1441807454961726

41

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


42

Personal Banking: Technology Banking

Active Internet Users

141 157 175

192 205

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

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

839899

785663611

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

4,7004,489

3,2933,0542,551

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

1,3281,412

1,175

913748

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

1,0261,008

599

350233

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

(000)s (000)s

(000)s

Rs Crs

Rs Crs


43

Personal Banking: Debit Cards

3.4

3.2

3.3

3.2

3.3

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

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

33.633.7

27.131.430.8

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

In Millions In Millions

Rs Crs

*Transaction volumes and value dropped in

December 2016 quarter owing to large number of

ATMs being non-operational and volume

restriction due to demonetisation

6,655

5,480

4,028

5,9295,777

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


44

An Inflection Point

45

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 Banks Marketing Dept, Retail Loan Hub and Transaction Banking Dept

Opened Centralized

Marketing & Processing

Centre

....to become Retail Banking Power House


46

About Us

47

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


48

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


49

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 %


50

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


51

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 Banks 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


52

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


53

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


54

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


55

Awards & Recognition

Won National Payments Excellence Awards -2016

Won Finnoviti Award - 2017

Won IBA Banking Technology Awards


56

Company Investor Relations Advisors

The South Indian Bank Ltd.CIN L65191KL1929PLC001017Mr. C. P. Gireesh, [email protected]

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Ms. Payal Dave / Mr. Shogun [email protected] / [email protected]+91 77383 77756 / +91 9833692935www.sgapl.net

For further information, please contact:
https://www.google.co.in/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0CAcQjRxqFQoTCLqig8bN58cCFY2PjgodFkwGSw&url=https://en.wikipedia.org/wiki/South_Indian_Bank&psig=AFQjCNEZ3rFfSObScgeGF5zFrC3KE6b3rA&ust=1441807454961726mailto:[email protected]://www.southindianbank.com/mailto:[email protected]:[email protected]://www.sgapl.net/

Documents

South Indian Bank Investor... · Life Insurance and Max Bupa for Health Insurance distribution • The strong growth witnessed by the these insurance majors