ALFA Finder| Margins | NIM expanded 28bps sequentially to 3.23%. |
|---|---|
| Order book | Gross Advances grew 17% YoY to INR 104,368 Cr. |
| Demand visibility | Strong credit demand in Gold and Mortgages. |
| Management confidence | High; citing NIM hardening and robust loan growth. |
Growth
Net profit grew 17% YoY to INR 378 Cr; Net Interest Income rose 23% YoY to INR 1,025 Cr.
Outlook
Targeting 100-115 bps RoA, migrating to 120-125 bps; aiming for balance sheet growth at market plus 2%.
Risks
Asset quality seasonality in Q1; West Asia geopolitical disturbances; muted MSME growth due to uncertainties.
Last quarter's promises, checked
Delivered
- Guided 15-16% loan growth → delivered 17% (= BEAT)
- Guided positive operating leverage → delivered positive leverage (= BEAT)
- Guided NIM widening → delivered 28bps sequential expansion (= BEAT)
Partly delivered
- Guided corporate book reduction to 33% → delivered 38% (= PARTIAL)
Investor Presentation 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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