| Margins | NIM decreased to 2.95% for Q4FY26 from 3.21% YoY. |
|---|---|
| Demand visibility | High in MSME (24% growth) and Retail (70% growth) segments. |
| Management confidence | Strong; second consecutive year of positive operating leverage. |
Growth
FY26 Net Profit grew 11.6% YoY to ₹1,455 cr; Gross Advances increased 14.5% to ₹1,00,274 cr.
Outlook
Focus on 'Branch 2.0' for productivity and expanding the STP-based 'Power' series for frictionless loan processing.
Risks
Potential NIM pressure (2.95% in Q4FY26 vs 3.21% Q4FY25) and geographic concentration in South India.
Earnings Call filed with NSE, NSE: SOUTHBANK. Summary written with AI assistance from the document.
South Indian Bank Ltd: key numbers
- Share price
- ₹49.95
- Market cap
- ₹13,083 Cr
- Revenue (annual)
- ₹9,846 Cr
- Net profit (annual)
- ₹1,456 Cr
- P/E (TTM)
- 8.7×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 25.39%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from South Indian Bank Ltd
All →South Indian Bank Adverse Business Impact
South Indian Bank informed the exchange regarding a proposed bank strike from September 28, 2026, to September 30, 2026, called by the United Forum of Bank Unions.
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South Indian Bank Employee Stock Options
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South Indian Bank announced the opening of a new branch in Hebbal, Bangalore on September 24, 2026. This expansion increases the bank's physical footprint in the Karnataka region.
- new branches
- 1.0 branches
South Indian Bank Capacity Expansion
South Indian Bank has opened a new branch in Patamata, Andhra Pradesh. This expansion increases the bank's physical presence.
- new branch
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South Indian Bank Management Change
South Indian Bank has appointed Mr. Mahesh Muralidhar Pai as Officer on Special Duty from September 16, 2026, ahead of his MD & CEO role.