Q2 2026 South Indian Bank Ltd Earnings Call Transcript

Oct 17, 2025 / 10:30 AM GMT

Release Date Price: ₹32.66 (-0.85%)

Transcript

Key Points

Positve

The South Indian Bank Ltd (BOM:532218) reported a net profit of 351 crores for Q2 FY26, marking an 8% growth compared to the previous year.
Total deposits increased by 10% year-over-year to 115,635 crores.
The bank's gross NPA reduced significantly by 147 basis points from 4.40% to 2.93% year-over-year.
Retail loans saw substantial growth, with home loans and auto loans both increasing by 25% year-over-year.
The bank's provision coverage ratio, excluding write-offs, improved by 1,005 basis points to 81.29% year-over-year.

Negative

Net interest margin for the quarter stood at a relatively low 2.8%, indicating pressure on interest income.
The bank's large corporate book, with a significant portion of short-duration assets, has been impacted by yield compression due to external benchmark rate reductions.
Despite growth in other income, there is concern about the sustainability of this income stream without windfall gains.
The bank's capital adequacy ratio decreased slightly due to increased investments and repayment of tier two bonds.
There is potential risk of further impact on net interest margins if reference rates drop again, as the bank has fully transmitted rate cuts quickly in the past.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SIBK.NS - South Indian Bank Ltd
Q2 2026 South Indian Bank Ltd Earnings Call
Oct 17, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the South Indian Bank Q2 526 earnings conference call hosted by ICICI Securities.

As a reminder, all participant lines will be in the lesson only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing start then 0 on a touchtone phone.

Please note that this conference is being recorded.

I now had the conference so to Mr. Hardik Shah from ICHI Securities.

Thank you and over to you, sir.

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Unidentified_2 [2]
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