| Management target | Net Profit 16.0% FY27 |
|---|
| Revenue growth | NII grew 38% YoY; primary growth from gold and retail loans. |
|---|---|
| Margins | NIM at 3.33%, sequentially up 10 bps; structural expansion targeted. |
| Demand visibility | Strong traction in retail, MSME, and gold loan segments. |
| Management confidence | High; balanced optimism regarding credit costs and segment mix shift. |
Growth
Gross advances grew 19% YoY; Net Interest Income rose 38% YoY, reflecting strong core performance.
Outlook
Management targets NIM expansion toward 3.40-3.50% and ROA of 1.25-1.30% in the medium term.
Risks
One-time IPO-related current account inflows temporarily inflated deposits; cost-to-income remains high due to aggressive expansion.
Earnings Call Transcript filed with NSE, NSE: SOUTHBANK. Summary written with AI assistance from the document.
South Indian Bank Ltd: key numbers
- Share price
- ₹54.64
- Market cap
- ₹14,317 Cr
- Revenue (annual)
- ₹9,846 Cr
- Net profit (annual)
- ₹1,456 Cr
- P/E (TTM)
- 9.0×Sector 19.7×
- 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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South Indian Bank reported a robust Q2 FY27 with PAT growing 21.37% YoY to ₹426 Cr. Strategy focuses on shifting from corporate to high-yield MSME and retail segments while maintaining tight cost controls.
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South Indian Bank reported record Q2 FY27 net profit of ₹426.13 crore, up 21.28% YoY. NII grew 38% to ₹1,116 crore while GNPA improved to 1.24%.
South Indian Bank Q2 FY27 Results: Net Profit ₹426.3 Cr, Up 21.2% YoY
South Indian Bank Ltd reported revenue from operations of ₹2,796 Cr (+16.1% YoY) and net profit of ₹426.3 Cr (+21.2% YoY) for Q2 FY27.
- Key figure
- Net profit ₹426.3 Cr · +21.2% YoY