ALFA Finder| Margins | NIM decreased YoY to 2.95%; Cost of Funds stable at 4.77%. |
|---|---|
| Demand visibility | Strong growth in Retail (29%) and MSME (24%) disbursements. |
| Management confidence | Strong; citing second 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 digital efficiency, branch productivity, and 'Branch 2.0' community engagement. Rolling out 'Power' series STP for automated lending.
Risks
Slight NIM compression to 2.95% in Q4FY26 vs 3.21% in Q4FY25; high concentration in Kerala (30% loan book).
Earnings Call filed with BSE, NSE: SOUTHBANK. Summary written with AI assistance from the document.
South Indian Bank Ltd: key numbers
- Share price
- ₹60.46
- Market cap
- ₹15,842 Cr
- Revenue (annual)
- ₹9,846 Cr
- Net profit (annual)
- ₹1,456 Cr
- P/E (TTM)
- 10.0×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 25.57%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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