Q3 2026 South Indian Bank Ltd Earnings Call Transcript

Jan 16, 2026 / 10:30 AM GMT

Release Date Price: ₹44 (+3.68%)

Transcript

Key Points

Positve

The South Indian Bank Ltd (BOM:532218) reported a net profit of 374 crores for Q3 FY26, marking a 9% increase from the previous year.
Total deposits grew by 12% year-over-year, reaching 118,211 crores.
Gross advances increased by 11.3% year-over-year to 96,764 crores.
The bank's net interest margin improved by six basis points sequentially to 2.86%.
The provision coverage ratio, excluding write-offs, improved by 1,177 basis points year-over-year to 83.5%.

Negative

The bank had to technically write off INR 900 crores in March 2025, impacting the year-over-year growth figures.
The net interest margin, while improved, still faces downward pressure due to a 25 basis point reduction in the repo rate.
The gross NPA reduction was partly due to the write-off, which may not reflect ongoing operational improvements.
The housing finance growth was volatile, with a decline in QOQ growth attributed to competitive pricing pressures.
The credit card portfolio has been declining due to halted fresh issuances since March 2024.

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

SIBK.NS - South Indian Bank Ltd
Q3 2026 South Indian Bank Ltd Earnings Call
Jan 16, 2026 / 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 South Indian Bank Q3 FY26 earnings conference call hosted by ICIA Securities Limited.

As a reminder, all participant clients will win the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference call, please signal an operator by pressing, then 0 on your touchtone phone. Please note that this conference is being recorded.

And I hand the con contract over to Mr. Jayamundra from ICICI Securities Limited.

Thank you and over to you, sir.

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Unidentified_2 [2]

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