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SOUTH INDIAN BANK LIMITEDEquity2026-04-012027-03-312026-10-152026-10-03INRLakhsQuarterlySecond quarterMulti segment2026-10-1511:00:002026-10-1513:15:00trueCash Flow IndirectDeclaration of unmodified opinion2026-07-012026-09-30UnauditedConsolidated224730000004506400000861600000116000000279570000004681000000326380000001679840000046587000003853300000851200000025310400000732760000015911000000573650000014731000004263400000042634000000042634000002619500000100.187101.631.621.631.621354840000010271000000.01240.00090.0112Other 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 technically written off etc. <br /> Other operating expenses includes Insurance, Rent, Repair, Depreciation, Communication expenses, Outsourced manpower charges, premium paid on PSLC purchase, CSR, Card expenses etc. <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 - <br /> <br /> 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. <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 /> During the quarter and half year ended September 30, 2025, the Bank allotted 14,37,644 and 19,35,803 shares respectively, pursuant to the exercise of stock option. <br /> <br /> Previous period's figures /ratios have been regrouped / reclassified, wherever necessary to conform to current period's classification.2026-04-012026-09-30UnauditedConsolidated4355550000089885000001497800000193300000542351000008476900000627120000003282930000092465000007390200000166367000004946600000013246000000243450000001081150000027715000008040000000080400000000080400000002619500000100.187103.073.063.073.061354840000010271000000.01240.00090.011Depreciation322600000Insurance291100000Office Expenses100600000Communication Expenses207600000Rent Rates and Taxes484900000Repairs315900000Travelling Expenses201100000Others1929500000Depreciation631000000Insurance575600000Office Expenses184900000Communication Expenses404100000Rent Rates and Taxes943100000Repairs601000000Travelling Expenses400900000Others364960000026195000001181548000001372748700000368120000003155220000015618872000008704600000063152000000277085300000108388150000010401400000403210000001561887200000'The above consolidated financial results for the quarter and half year ended September 30, 2026 were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on October 15, 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. <br /> <br /> The financial results for the quarter and half year ended September 30, 2025, and for the FY 2025-26 were reviewed/audited by Joint statutory auditors M/s. M.P. Chitale & Co, Chartered Accountants and M/s. Borkar & Muzumdar, Chartered Accountants. <br /> <br /> Group has consistently applied its significant accounting policies in the preparation of its financial results during the quarter and half year ended September 30, 2026 as compared to those followed for the year ended March 31, 2026. <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 /> '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.Bills payable2345400000Interest payable On Deposits3891300000Provision For Standard Assets4291800000Guarantee claim received- ECGC & DICGC1345700000Employees' Stock Options Outstanding137400000Deferred Tax Asset-2335300000Deferred Tax Liability2673200000Others19202700000Tax paid in advance13467100000Interest on staff Housing loan/Gold Loan A/c.4306800000Interest earned but not collected7690500000Interest on Investments receivable4802700000Security deposit- telephone1695000000Others8358900000a) Treasury6422500000b) Corporate/ Wholesale Banking9739000000c) Retail Banking0(i) Digital Banking2042800000(ii) Other Retail Banking13256900000d) Other Banking Operations1176800000a) Treasury12134800000b) Corporate/ Wholesale Banking18837400000c) Retail Banking0(i) Digital Banking4153000000(ii) Other Retail Banking25401700000d) Other Banking Operations21851000003263800000062712000000003263800000062712000000a) Treasury1286900000b) Corporate/ Wholesale Banking935100000c) Retail Banking0(i) Digital Banking-459900000(ii) Other Retail Banking3616600000d) Other Banking Operations355200000a) Treasury2161500000b) Corporate/ Wholesale Banking1627900000c) Retail Banking0(i) Digital Banking-429000000(ii) Other Retail Banking6840300000d) Other Banking Operations60770000057339000001080840000000-2600000-3100000573650000010811500000a) Treasury314115900000b) Corporate/ Wholesale Banking614296500000c) Retail Banking0(i) Digital Banking63060000000(ii) Other Retail Banking532689300000d) Other Banking Operations859000001524247600000376396000001561887200000a) Treasury285980200000b) Corporate/ Wholesale Banking574860600000c) Retail Banking0(i) Digital Banking59011700000(ii) Other Retail Banking498455800000d) Other Banking Operations01418308300000228046000001441112900000For 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.1081150000001007000000000352000003220000002447100000035215000001490200000-93535000000-294100000139339800000604700000047605600000511271000006193860000000030743000000588643000000058864300000000000001100000546900000000000000-59324000000-647820000000-64782000004080000000-245810000001178200000000-359550000000-359550000048790600000048790600000101407400000150198000000UnauditedtrueMP Chitale & Co.true2028-07-31Borkar & Muzumdartrue2028-05-31