INTEGRATED FILING — BANKING
General information about company
| Scrip code |
532218 |
| NSE Symbol |
SOUTHBANK |
| MSEI Symbol |
NOTLISTED |
| ISIN |
INE683A01023 |
| Name of bank |
THE SOUTH INDIAN BANK LTD |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
15-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
05-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
15-01-2026
10:30:00 |
| End date and time of board meeting |
15-01-2026 13:15:00
|
| Whether cash flow statement is applicable on company |
|
| Type of cash flow statement |
|
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
Financial Results - Banking
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-10-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
1,96,300.00 |
5,72,060.00 |
|
Income on investments |
49,760.00 |
1,31,756.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
4,830.00 |
16,574.00 |
|
Others |
863.00 |
8,312.00 |
|
Total interest earned |
2,51,753.00 |
7,28,702.00 |
| 2 |
Other income |
48,573.00 |
1,62,294.00 |
| 3 |
Total income |
3,00,326.00 |
8,90,996.00 |
|
Expenses
|
| 4 |
Interest expenses |
1,63,685.00 |
4,76,499.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
43,710.00 |
1,29,193.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Depreciation |
2,888.00 |
8,495.00 |
| 2 |
Insurance |
3,833.00 |
11,033.00 |
| 3 |
Office Expenses |
970.00 |
2,364.00 |
| 4 |
Communication Expenses |
1,944.00 |
5,887.00 |
| 5 |
Rent Rates and Taxes |
4,532.00 |
13,669.00 |
| 6 |
Repairs |
2,957.00 |
8,202.00 |
| 7 |
Travelling Expenses |
1,937.00 |
6,071.00 |
| 8 |
Others |
15,413.00 |
50,291.00 |
|
Total other operating Expenses |
34,474.00 |
1,06,012.00 |
|
Total Operating Expenses |
78,184.00 |
2,35,205.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 2,41,869.00 |
7,11,704.00 |
| 7 |
Operating profit before provision and contingencies |
58,457.00 |
1,79,292.00 |
| 8 |
Provisions other than tax and contingencies |
8,041.00 |
38,294.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 50,416.00 |
1,40,998.00 |
| 11 |
Provision for Tax |
12,968.00 |
36,174.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
37,448.00 |
1,04,824.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
37,448.00 |
1,04,824.00 |
| 15 |
Share of profit (loss) of associates
| 0.00 |
0.00 |
| 16
| Profit (loss) of minority interest
| 0.00 |
0.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 37,448.00 |
1,04,824.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 26,172.00 |
26,172.00 |
|
Face value of equity share capital
| 1 |
1 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
|
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
0 |
0 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
16.8800 |
16.8800 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 1.43 |
4.01 |
|
Diluted earnings per share before extraordinary items
| 1.43 |
4 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 1.43 |
4.01 |
|
Diluted earnings per share after extraordinary items
| 1.43 |
4 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 2,58,150.00 |
2,58,150.00 |
|
Amount of net non-performing assets
| 42,590.00 |
42,590.00 |
|
% of gross NPAs |
2.6700 |
2.6700 |
|
% of net NPAs
| 0.4500 |
0.4500 |
|
Return on assets
| 1.0900 |
1.0500 |
| 21 |
Disclosure of notes on financial results by banks
| |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| Date of start of reporting period |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury |
65,147.00 |
2,06,720.00 |
| 2 |
Corporate/ Wholesale Banking |
86,556.00 |
2,54,408.00 |
| 3 |
Digital Banking |
21,717.00 |
66,385.00 |
| 4 |
Other Retail Banking |
1,13,368.00 |
3,28,889.00 |
| 5 |
Other Banking Operations |
13,538.00 |
34,594.00 |
|
| Total Segment Revenue
| 3,00,326.00 |
8,90,996.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
3,00,326.00 |
8,90,996.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury |
8,138.00 |
40,613.00 |
| 2 |
Corporate/ Wholesale Banking |
11,518.00 |
16,633.00 |
| 3 |
Digital Banking |
(3,486.00) |
(426.00) |
| 4 |
Other Retail Banking |
29,169.00 |
71,096.00 |
| 5 |
Other Banking Operations |
5,053.00 |
12,999.00 |
|
Total Profit before tax |
50,392.00 |
1,40,915.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
(24.00) |
(83.00) |
|
Profit before tax |
50,416.00 |
1,40,998.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury |
32,18,982.00 |
32,18,982.00 |
| 2 |
Corporate/ Wholesale Banking |
53,02,748.00 |
53,02,748.00 |
| 3 |
Digital Banking |
5,72,119.00 |
5,72,119.00 |
| 4 |
Other Retail Banking |
43,64,494.00 |
43,64,494.00 |
| 5 |
Other Banking Operations |
1,518.00 |
1,518.00 |
|
Total Segment Assets |
1,34,59,861.00 |
1,34,59,861.00 |
|
Un-allocable Assets |
3,89,847.00 |
3,89,847.00 |
|
Net Segment Assets |
1,38,49,708.00 |
1,38,49,708.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury |
29,97,693.00 |
29,97,693.00 |
| 2 |
Corporate/ Wholesale Banking |
49,42,424.00 |
49,42,424.00 |
| 3 |
Digital Banking |
5,33,243.00 |
5,33,243.00 |
| 4 |
Other Retail Banking |
40,67,416.00 |
40,67,416.00 |
| 5 |
Other Banking Operations |
0.00 |
0.00 |
| |
Total Segment Liabilities |
1,25,40,776.00 |
1,25,40,776.00 |
| |
Un-allocable Liabilities |
2,07,742.00 |
2,07,742.00 |
|
Net Segment Liabilities |
1,27,48,518.00 |
1,27,48,518.00 |
|
Disclosure of notes on segments |
For the above segment reporting, the reportable segments are identified into Treasury, Corporate/Wholesale Banking, Retail Banking (including Digital Banking) and Other Banking Operations in Compliance with the revised RBI Guidelines. The Bank operates in India. |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Unaudited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
MP Chitale & Co. |
Yes |
31-07-2028 |
| 2 |
Borkar & Muzumdar |
Yes |
31-05-2028 |