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SOUTH INDIAN BANK LIMITEDEquity2025-04-012026-03-312026-05-062026-04-22INRLakhsQuarterlyFourth quarterMulti segment2026-05-0611:45:002026-05-0613:45:00trueCash Flow IndirectDeclaration of unmodified opinion2026-01-012026-03-31AuditedConsolidated2036310000047192000004355000007700000025594800000385840000029453200000164415000003615900000358650000072024000002364390000058093000003440000000546530000013913000004074000000040740000000040740000002617600000100.187601.561.551.561.551430500000028793000000.01430.00290.0103Other 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> <BR> Other operating expenses includes Insurance, Rent, Repair, Depreciation, Communication expenses, Outsourced manpower charges, premium paid on PSLC purchase, CSR,Card expenses etc. <BR> <BR> 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.2025-04-012026-03-31AuditedConsolidated775691000001789480000020929000009082000009846500000020087800000118552800000640914000001653520000014187700000307229000009481430000023738500000417340000001956510000050087000001455640000001455640000000145564000002617600000110829300000000.187605.565.555.565.551430500000028793000000.01430.00290.0103Depreciation299900000Insurance381600000Office Expenses78600000Communication Expenses160700000Rent Rates and Taxes456900000Repairs278100000Travelling Expenses224200000Others1706500000Depreciation1149400000Insurance1484900000Office Expenses315000000Communication Expenses749400000Rent Rates and Taxes1823800000Repairs1098300000Travelling Expenses831300000Others67356000002617600000111426100000123340890000039270100000308419000001417564600000618295000003957790000027327210000099259800000010428400000398587000001417564600000The above consolidated financial results for the quarter and year ended March 31, 2026 were reviewed by the Audit Committee and approved by the Board of Directors at their meeting held on May 06, 2026. These results have been subjected to audit by the Joint Statutory Central Auditors M/s. M.P. Chitale & Co, Chartered Accountants and M/s. Borkar & Muzumdar, Chartered Accountants of the Bank. The report thereon is unmodified. <BR> <BR> The consolidated financial results for the quarter and year ended March 31, 2025 were audited by Joint Statutory Auditors M/s. K Venkatachalam Aiyer & Co, Chartered Accountants and M/s. M.P. Chitale & Co, Chartered Accountants. <BR> <BR> The figures for the Quarters ended March 31, 2026 and March 31, 2025 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> <BR> The Consolidated Financial Results comprise the financial results of The South Indian Bank Ltd and it's subsidiary SIB Operations and Services Ltd. <BR> <BR> 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 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, as amended including relevant circulars issued by the SEBI from time to time. <BR> <BR> In accordance with the RBI Circular DOR.CAP.REC.70/21-01-002/2025-26 on Prudential Norms on Capital Adequacy dated November 28, 2025, as amended and RBI Circular DOR.LRG.No.82/13-10-001/2025-26 dated November 28, 2025 - 'Commercial Banks – Asset Liability Management', 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.bank.in/other-links/disclosures/disclosure-under-basel-ii-basel-iii-guidelines <BR> These disclosures have not been subjected to audit/review by the Joint Statutory Central Auditors. <BR> <BR> The Board of Directors, in their meeting held on May 06, 2026 have proposed dividend of Rs. 0.45 per equity share (45%) for the year ended March 31, 2026 amounting to Rs. 117,79 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, 2026. However, effect of the proposed dividend has been reckoned in determining capital funds in the computation of capital adequacy ratios as at March 31, 2026. <BR> <BR> 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> <BR> During the quarter and year ended March 31, 2026, the Bank allotted 4,13,717 and 12,66,613 shares respectively, pursuant to the exercise of such options under Employee Stock Option Scheme. <BR> <BR> Previous period's figures have been regrouped / reclassified, wherever necessary to conform to current period's classification and also the ratios for the previous period / year have been regrouped / reclassified wherever considered necessary.Employees Stock Option Outstanding119700000Bills payable3268500000Interest Accrued3317000000Deferred Tax Liability534600000Others23602100000Interest Accrued15962500000Tax Paid in Advance/Tax Deducted at Source (Net of provisions)2945100000Stationery and Stamps102100000Others20849000000Treasury5291700000Corporate/ Wholesale Banking8982600000Digital Banking1891900000Other Retail Banking11981300000Other Banking Operations1305700000Treasury25963700000Corporate/ Wholesale Banking34423400000Digital Banking8530400000Other Retail Banking44870200000Other Banking Operations4765100000294532000001185528000000029453200000118552800000Treasury513900000Corporate/ Wholesale Banking807800000Digital Banking-1037600000Other Retail Banking4879300000Other Banking Operations305500000Treasury4575200000Corporate/ Wholesale Banking2471100000Digital Banking-1080200000Other Retail Banking11988900000Other Banking Operations1605400000546890000019560400000003600000-4700000546530000019565100000Treasury299661900000Corporate/ Wholesale Banking541235000000Digital Banking61798900000Other Retail Banking476611300000Other Banking Operations1193000001379426400000381382000001417564600000Treasury273217100000Corporate/ Wholesale Banking504894600000Digital Banking57649500000Other Retail Banking444555600000Other Banking Operations01280316800000232041000001303520900000For 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.195651000003886000001726200000000000422350000006338300000-3494500000-139607800000-79840000015818670000003611500000178975000002423580000043800900000000473460000003906630000000390663000000000000022200000109250000003161000000000000-532631000000-5464950000000-54649500000252000000041653000007900000000104660000085430000000-561040000000-5610400000-211936000000-21193600000122601000000101407400000AuditedtrueMP Chitale & Co.true2028-07-31Borkar & Muzumdartrue2028-05-31