5322182026-04-012026-06-305322182026-06-305322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses1Member5322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses2Member5322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses3Member5322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses4Member5322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses5Member5322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses6Member5322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses7Member5322182026-04-012026-06-30in-capmkt:OtherOperatingExpenses8Member5322182026-04-012026-06-30in-capmkt:ReportableSegments1Member5322182026-04-012026-06-30in-capmkt:ReportableSegments2Member5322182026-04-012026-06-30in-capmkt:ReportableSegments3Member5322182026-04-012026-06-30in-capmkt:ReportableSegments4Member5322182026-04-012026-06-30in-capmkt:ReportableSegments5Member5322182026-04-012026-06-30in-capmkt:ReportableSegments1Member5322182026-04-012026-06-30in-capmkt:ReportableSegments2Member5322182026-04-012026-06-30in-capmkt:ReportableSegments3Member5322182026-04-012026-06-30in-capmkt:ReportableSegments4Member5322182026-04-012026-06-30in-capmkt:ReportableSegments5Member5322182026-04-012026-06-30in-capmkt:ReportableSegments1Member5322182026-06-30in-capmkt:ReportableSegments1Member5322182026-04-012026-06-30in-capmkt:ReportableSegments2Member5322182026-06-30in-capmkt:ReportableSegments2Member5322182026-04-012026-06-30in-capmkt:ReportableSegments3Member5322182026-06-30in-capmkt:ReportableSegments3Member5322182026-04-012026-06-30in-capmkt:ReportableSegments4Member5322182026-06-30in-capmkt:ReportableSegments4Member5322182026-04-012026-06-30in-capmkt:ReportableSegments5Member5322182026-06-30in-capmkt:ReportableSegments5Member5322182026-04-012026-06-30in-capmkt:ReportableSegments1Member5322182026-06-30in-capmkt:ReportableSegments1Member5322182026-04-012026-06-30in-capmkt:ReportableSegments2Member5322182026-06-30in-capmkt:ReportableSegments2Member5322182026-04-012026-06-30in-capmkt:ReportableSegments3Member5322182026-06-30in-capmkt:ReportableSegments3Member5322182026-04-012026-06-30in-capmkt:ReportableSegments4Member5322182026-06-30in-capmkt:ReportableSegments4Member5322182026-04-012026-06-30in-capmkt:ReportableSegments5Member5322182026-06-30in-capmkt:ReportableSegments5Member5322182026-04-012026-06-30

AuditorDomain1

5322182026-04-012026-06-30

AuditorDomain2

iso4217:INRxbrli:pureiso4217:INRxbrli:shares

532218

SOUTHBANK

NOTLISTED

INE683A01023

THE SOUTH INDIAN BANK LIMITED

Equity

2026-04-01

2027-03-31

2026-07-16

2026-07-07

INR

Lakhs

Quarterly

First quarter

Multi segment

2026-07-16

11:00:00

2026-07-16

13:35:00

Declaration of unmodified opinion

false

There was no default during the period under consideration.

2026-04-01

2026-06-30

Unaudited

Standalone

21082500000

4482100000

636200000

77300000

26278100000

3794900000

30073000000

16030900000

4491900000

3632200000

8124100000

24155000000

5918000000

843400000

5074600000

1298300000

3776300000

2618100000

0.1893

1.44

14376700000

2674700000

0.0138

0.0026

0.0107

'The above standalone financial results for the quarter ended June 30, 2026 were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on July 16, 2026. These results have been subjected to limited review 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. The financial results for the quarter ended June 30, 2025 were reviewed by Joint Statutory Central Auditors M/s. K Venkatachalam Aiyer & Co, Chartered Accountants and M/s. M.P. Chitale & 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, 2026 as compared to those followed for the year ended March 31, 2026. The Bank in line with RBI (Commercial Bank-Classification, Valuation and Operation of Investment Portfolio) second amendment directions 2026 dated 18.05.2026 has discontinued the maintenance of Investment Fluctuation Reserve (IFR) and consequently the existing IFR amount of Rs. 11,901 Lakhs has been transfered to Balance in Profit & Loss during the quarter ended June 30,2026. 'The above financial results of the Bank 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. 'The above financial results of the Bank 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. '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. '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 operating expenses 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, 2026 are the balancing figures between audited figures in respect of the full financial year up to March 31, 2026 and the unaudited published year to date figures up to December 31, 2025 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 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', as amended, 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.bank.in/other-links/disclosures/disclosure-under-basel-ii-basel-iii-guidelines These disclosures have not been subjected to audit/review by the Joint Statutory Central Auditors. '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', as amended, 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.bank.in/other-links/disclosures/disclosure-under-basel-ii-basel-iii-guidelines These disclosures have not been subjected to audit/review by the Joint Statutory Central Auditors. 'Disclosures as per Commercial Banks- Transfer and Distribution of Credit Risk Directions, 2025 Directions dated November 28, 2025 for the loans transferred/acquired during the quarter ended June 30, 2026 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 ( Rs. in Lakhs)13464.19 Weighted average residual maturity (in months)146.67 Weighted average holding period by originator (in months)24.34 Retention of beneficial economic interest by the originator0.1 Tangible security coverage 2.054 '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, 2026, Bank has not transferred any Non Performing Assets. '(v) Details of recovery ratings assigned to Security Receipts as at June 30, 2026 : Recovery Ratings* Anticipated Recovery as per Recovery Rating Book value NR2/ R1 /RR1 100% - 150% 7,253 Total 7,253 * Recovery Rating is as assigned by various external rating agencies 12 Details of Co-Lending Arrangements as per Reserve Bank of India (Commercial Banks-Transfer and Distribution of Credit Risk) Directions, 2025 are given below: (Rs. in Lakhs) Particulars June 30, 2026 Quantum of CLAs : Number of CLA Partners (Nos) 8 Amount of Gross Outstanding (Rs.) 2,16,289 Weighted average rate of interest (%) 10.72% Fees charged for the Quarter (Rs.) 416 Broad sectors in which CLA was made Gold Loan, Personal Loan, Housing Loan, Business Loan Performance of loans under CLA: Standard Loan (Rs.) Non Performing Loan (Rs.) 2,15,777 512 Details related to default loss guarantee available on outstanding amount (Rs.) 920 13 Disclosure related to Project Finance for the quarter ended June 30, 2026, as per the Reserve Bank of India (Commercial Banks- Financial Statements: Presentation and Disclosures) Direction, 2025 dated November 28,2025 is given below: Item Description Number of Accounts Total Outstanding (Rs. in Lakhs) 1. Projects under implementation accounts at the beginning of the quarter. 44 35,624 2. Projects under implementation accounts sanctioned during the quarter. 6 2,433 3. Projects under implementation accounts where DCCO has been achieved during the quarter 13 15,411 4. Projects under implementation accounts at the end of the quarter. (1+2-3) 37 25,777* 5. Out of ‘4’ – accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked: 10 9,723 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. - - 5.2 Out of ‘5’ – accounts in respect of which Resolution plan is under implementation. - - 5.3 Out of ‘5’ – accounts in respect of which Resolution plan has failed. - - 6. Out of ‘5’, accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked due to change in scope and size of the project. - - 7. Out of ‘5’, account in respect of which cost overrun associated with extension in original / extended DCCO, as the case may be, was funded: - - 7.1 Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously - - 7.2 Out of ‘7’, accounts where SBCF was not presanctioned or renewed continuously - - 8. Out of ‘4’ – accounts in respect of which resolution process not involving extension in original / extended DCCO, as the case may be, has been invoked. - - 8.1 Out of ‘8’ – accounts in respect of which Resolution plan has been implemented. - - 8.2 Out of ‘8’ – accounts in respect of which Resolution plan is under implementation. - - 8.3 Out of ‘8’ – accounts in respect of which Resolution plan has failed. - - *Includes movement of Rs. 3,131 Lakhs during Q1 2026 in projects under implementation 14 During the quarter ended June 30, 2026, the Bank allotted 4,98,159 shares, pursuant to the exercise of stock options. 15 Previous period's figures /ratios have been regrouped / reclassified, wherever necessary to conform to current period's classification.

Depreciation

308400000

Insurance

284500000

Office Expenses

84000000

Communication Expenses

196500000

Rent Rates and Taxes

458000000

Repairs

285100000

Travelling Expenses

199800000

Others

1815900000

Treasury

5712300000

Corporate/ Wholesale Banking

8974900000

Digital Banking

2110200000

Other Retail Banking

12268300000

Other Banking Operations

1007300000

30073000000

Treasury

874600000

Corporate/ Wholesale Banking

597800000

Digital Banking

30900000

Other Retail Banking

3318700000

Other Banking Operations

252600000

5074600000

Treasury

288522800000

Corporate/ Wholesale Banking

575601800000

Digital Banking

63880300000

Other Retail Banking

477145000000

Other Banking Operations

102100000

1405252000000

39254100000

1444506100000

Treasury

263945100000

Corporate/ Wholesale Banking

536015200000

Digital Banking

59487000000

Other Retail Banking

444329700000

Other Banking Operations

1303777000000

22722700000

1326499700000

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

MP Chitale & Co.

true

2028-07-31

Borkar & Muzumdar

true

2028-05-31