ALFA Finder| Margins | NIM improved to 3.23% from 3.03% YoY. |
|---|---|
| Order book | Gross Advances at ₹1,04,368 Cr. |
| Demand visibility | Strong disbursements in MSME and Retail segments. |
| Management confidence | High regarding asset quality and digital transformation. |
Growth
PAT grew 17.4% YoY to ₹378 Cr; Gross Advances increased 17% YoY to ₹1,04,368 Cr.
Outlook
Focus on 'Branch 2.0' for productivity and extensive digitization (Zeni AI) to drive frictionless processing and operational efficiency.
Risks
Slight QoQ increase in SMA 2 numbers from 182 Cr to 269 Cr; cost-to-income ratio remains elevated at 57.9%.
Last quarter's promises, checked
Delivered
- Guided 15-16% loan growth → delivered 17% (= BEAT)
- Guided NIM widening → delivered 3.23% from 3.03% (= BEAT)
- Guided positive operating leverage → delivered PAT 17.4% growth vs 17% loan growth (= BEAT)
Partly delivered
- Guided shift to RAM segments → delivered 60% of book (= PARTIAL)
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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