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532218

SOUTHBANK

NOTLISTED

INE683A01023

The South Indian Bank Limited

Equity

2025-04-01

2026-03-31

2025-07-17

2025-07-10

INR

Lakhs

Quarterly

First quarter

Multi segment

2025-07-17

11:00:00

2025-07-17

13:10:00

Declaration of unmodified opinion

false

There was no default on loans and debt securities during the period under consideration.

2025-04-01

2025-06-30

Unaudited

Standalone

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0.1825

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5913800000

0.0315

0.0068

0.0101

'The above standalone financial results for the quarter ended June 30, 2025 were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on July 17, 2025. These results have been subjected to limited review 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. The financial results for the quarter ended June 30, 2024 were reviewed by Joint Statutory Central Auditors M/s. CNK & Associates LLP, Chartered Accountants and M/s. K Venkatachalam Aiyer & Co, Chartered Accountants. The Bank has consistently applied its significant accounting policies in the preparation of its financial results during the quarter ended June 30, 2025 as compared to those followed for the year ended March 31, 2025. '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. '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, income from bancassurance business, recoveries from advances written off etc. 'Other expense includes Insurance, Rent, Repair, Depreciation, Communication expenses, Outsourced manpower charges, premium paid on PSLC purchase, CSR, Card expenses etc. 'The Capital Adequacy Ratio is computed on the basis of RBI guidelines applicable on the relevant reporting dates and the ratio for the corresponding previous period is not adjusted to consider the impact of subsequent changes if any, in the guidelines. 'The figures of the quarter ended March 31, 2025 are the balancing figures between audited figures in respect of the full financial year up to March 31, 2025 and the unaudited published year to date figures up to December 31, 2024 being the date of the end of the third quarter of the financial year which were subjected to Limited Review '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. https://www.southindianbank.com/content/disclosure-under-basel-2-basel-3-guidelines/880 These disclosures have not been subjected to audit/review by the Joint Statutory Central Auditors. Disclosures as per Master Direction – Reserve Bank of India (Transfer of Loan Exposures) Directions 2021 dated September 24, 2021 for the loans transferred/acquired during the quarter ended June 30, 2025 are given below; (i) The Bank has not transferred any Special Mention Account (SMA) and loan not in default during the quarter (ii) Details of loans not in default acquired through assignment are given below Aggregate amount of loans acquired (` in Lakhs) 69,372.01 Weighted average residual maturity (in months) 39.65 Weighted average holding period by originator (in months) 8.84 Retention of beneficial economic interest by the originator 10% Tangible security coverage 187.71% The loans acquired are not rated as these are to non-corporate borrowers (iii) Bank has not acquired any stressed loans during the quarter (iv) During the quarter ended June 30, 2025, Bank has not transferred any Non Performing Assets (v) Details of recovery ratings assigned to Security Receipts as at June 30, 2025 ` in lakhs Recovery Ratings * Anticipated Recovery as per Recovery Rating Book value NR1 / R1 +/RR1 + > 150% - NR2/ R1 /RR1 100% - 150% - NR3/ R2 / RR2 75% - 100% 7,032.88 R3/ NR4 / RR3 50% - 75% - NR5 / RR4 / R4 25% - 50% - NR6 / RR5 / R5 0% - 25% - Yet to be rated # - 11,927.30 Unrated - - Total 18,960.18 * Recovery Rating is as assigned by various external rating agencies # Recent purchases whose statutory period not yet elapsed. 'During the quarter ended June 30, 2025, the Bank allotted 38,649 shares, pursuant to the exercise of stock option. 'Previous period's figures /ratios have been regrouped / reclassified, wherever necessary to conform to current period's classification.

Depreciation

275300000

Insurance

361400000

Office Expense

75300000

Communication Expense

201100000

Rent Rates and Taxes

464300000

Repairs

253400000

Travelling Expense

233600000

Others

1754000000

Treasury

7311400000

Corporate/ Wholesale Banking

8569000000

Digital Banking

2215800000

Other Retail Banking

10785100000

Other Banking Operations

962000000

29843300000

Treasury

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Corporate/ Wholesale Banking

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Digital Banking

211100000

Other Retail Banking

1846400000

Other Banking Operations

331800000

4329400000

Treasury

263610400000

Corporate/ Wholesale Banking

525627300000

Digital Banking

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Other Retail Banking

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Other Banking Operations

169400000

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38297900000

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Treasury

243698300000

Corporate/ Wholesale Banking

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Digital Banking

51731800000

Other Retail Banking

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Other Banking Operations

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19717600000

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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.

Unaudited

true

K Venkatachalam Aiyer & Co

true

2027-12-31

M. P. Chitale & Co

true

2025-07-31