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The above consolidated financial results for the quarter and year ended March 31, 2025 were reviewed by the Audit Committee and approved by the Board of Directors at their meeting held on May 15, 2025. These results have been subjected to audit by the Joint Statutory Central Auditors M/s. K Venkatachalam Aiyer & Co, Chartered Accountants and M/s. M.P. Chitale & Co, Chartered Accountants of the Bank. The report thereon is unmodified. <BR> The financial results for the quarter and Year ended March 31, 2024 were audited by Joint statutory auditors M/s. CNK & Associates LLP, Chartered Accountants and M/s. K Venkatachalam Aiyer & Co, Chartered Accountants. <BR> 2. The figures for the Quarters ended March 31, 2025 and March 31, 2024 are the balancing figures between audited figures in respect of the full financial year and the unaudited published year to date figures upto the end of the third quarter of the respective financial years, which were subject to limited review. <BR> 3. The Consolidated Financial Results comprise the financial results of The South Indian Bank Ltd and it's subsidiary SIB Operations and Services Ltd. <BR> 4.Group has consistently applied its significant accounting policies except for investment (as per RBI guidelines) in the preparation of its quarterly and Year ended March 31, 2025 financial results as compared to those followed for the year ended March 31, 2024. The above results are prepared in accordance with the principles set out in Accounting Standard 21 - Consolidated Financial Statements as notified under Section 133 of the Companies Act, 2013. <BR> 5. 'The above financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards specified under Section 133 of the Companies Act, 2013 read with relevant rules issued thereunder the relevant provisions of the Banking Regulation Act 1949 ,the circulars,guidelines and directions issued by the Reserve Bank of India ('the RBI') ,from time to time ('RBI Guidelines') and other accounting principles generally accepted in India ,and is in compliance with the presentation and disclosure requirements of the Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, as amended including relevant circulars issued by the SEBI from time to time. <BR> 6. 'In accordance with the RBI Circular DBR.No.BP.BC.1/21.06.201/2015-16 on Basel III capital regulations dated July 1, 2015, as amended and RBI circular DBR.NO.BP.BC.80/21.06.201/2014-15 dated March 31, 2015 on prudential guidelines on Capital Adequacy and Liquidity Standards amendments and RBI Circular DBR.BP.BC.No.106/21.04.098/2017-18 dated May 17, 2018 - 'Basel III Framework on Liquidity Standards – Net Stable Funding Ratio (NSFR) – Final Guidelines', Banks are required to make Pillar III disclosures including leverage ratio and liquidity coverage ratio under Basel III framework. The Bank has made these disclosures which are available on its website at the following link. <BR> https://www.southindianbank.com/content/disclosure-under-basel-2-basel-3-guidelines/880 <BR> These disclosures have not been subjected to audit/review by the Joint Statutory Central Auditors. <BR> 7. 'Other Income includes Profit on sale of investments (net), provision for appreciation/(depreciation) on eligible investments, earnings from foreign exchange and derivative transactions, commission from non – fund based banking activities, income from sale of PSL Certificates, income from card business, recoveries from advances technically written off etc. <BR> 8. 'Other expense includes Insurance, Rent, Repair, Depreciation, Communication expenses, Outsourced manpower charges, premium paid on PSLC purchase, CSR, ATM outsourcing, Card expenses etc. <BR> 9. 'The Board of Directors, in their meeting held on May 15, 2025 have proposed dividend of Rs 0.40 per equity share (40%) for the year ended March 31, 2025 amounting to Rs 10465.20 Lakhs. The proposal is subject to the approval of shareholders at the Annual General Meeting. In terms of revised Accounting Standard (AS) 4 ‘Contingencies and Events occurring after the Balance sheet date’ as notified by the Ministry of Corporate Affairs through amendments to Companies (Accounting Standards) Amendment Rules, 2016, dated March 30, 2016, proposed dividend is not recognised as a liability as on March 31, 2025. However, effect of the proposed dividend has been reckoned in determining capital funds in the computation of capital adequacy ratios as at March 31, 2025. <BR> 10. 'The financial results have been arrived at after considering provision for standard assets (including requirements for exposures to entities with unhedged foreign currency exposures), provision for non-performing assets (NPAs), provision for non-performing investments, provision for income-tax and other usual and necessary provisions. <BR> 11. 'During the quarter and Year ended March 31, 2025, the Bank allotted 8,413 and 375,019 shares respectively, pursuant to the exercise of stock option. <BR> 12. 'Previous period's figures have been regrouped / reclassified, wherever necessary to conform to current period's classification including the netting off of certain credit card income and expenses based on the revised agreement with the partner and also the ratios for the previous period / year have been regrouped / reclassified wherever considered necessary.2024-04-012025-03-31AuditedConsolidated752908000001592050000016723000001249500000941331000001812980000011226290000059276700000167116000001357200000030283600000895603000002270260000051319000000175707000004539700000130310000000130310000000013031000000261630000019470210000000.179804.984.984.984.982799830000079052000000.0320.00920.0105Depreciation270600000Insurance351000000Office Expenses94400000Communication Expenses210500000Rent Rates and Taxes431000000Repairs244300000Travelling Expenses187400000Others1743000000Depreciation1017800000Insurance1400700000Office Expenses286500000Communication Expenses801700000Rent Rates and Taxes1682200000Repairs915400000Travelling Expenses772400000Others6695300000261630000098386500000107522220000043004800000273209000001246550700000509770000007162400000021776680000085682070000010183000000391792000001246550700000Treasury5341000000Corporate/ Wholesale Banking10432800000Digital Banking1981600000Other Retail Banking10502100000Other Banking Operations1200200000Treasury22041800000Corporate/ Wholesale Banking36465200000Digital Banking8430300000Other Retail Banking40399800000Other Banking Operations4925800000294577000001122629000000029457700000112262900000Treasury1230200000Corporate/ Wholesale Banking1263200000Digital Banking-443500000Other Retail Banking2114500000Other Banking Operations426800000Treasury3099500000Corporate/ Wholesale Banking4489900000Digital Banking-687400000Other Retail Banking8844600000Other Banking Operations182230000045912000001756890000000-1300000-1800000459250000017570700000Treasury242589600000Corporate/ Wholesale Banking515417800000Digital Banking54258300000Other Retail Banking397271700000Other Banking Operations1687000001209706100000368446000001246550700000Treasury224099000000Corporate/ Wholesale Banking480648800000Digital Banking50598200000Other Retail Banking370438600000Other Banking Operations01125784600000197633000001145547900000For 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. 'Beginning from the quarter ended June 30, 2024, Bank had changed certain assumption of allocating segmental income/expenses. Accordingly, the previous period figures is also regrouped to match the same with current period figures.1757070000014003000003021400000000000520590000009627600000-25196400000-819504000003850800000560311000000-44600000-47309500000-37681900000-2011120000000034183000000-2352950000000-235295000000000000023400000120240000003804000000000000458996000000443402000000044340200000470000000113839000007500000000784900000153520000000156850000000156850000022379200000022379200000100221800000122601000000AuditedtrueK Venkatachalam Aiyer & Cotrue2027-12-31M. P. Chitale & Cotrue2025-07-31