Q4 2026 South Indian Bank Ltd Earnings Call Transcript

May 7, 2026 / 10:30 AM GMT

Release Date Price: ₹41.77 (-1.74%)

Transcript

Key Points

Positve

The South Indian Bank Ltd (BOM:532218) reported its highest ever net profit of 1,455 crores for FY26, marking a 12% growth from the previous year.
Total deposits increased by 15% to 1,23,346 crores, with retail deposits also growing by 15%.
Gross advances grew by 14.5%, and the bank's total business expanded by 15% to 2,23,620 crores.
The bank's net interest margin improved to 2.95% for the quarter, with a return on assets of 1.17% and a return on equity of 14.49%.
The provision coverage ratio improved significantly, with the gross NPA reducing from 3.2% to 1.43% and net NPA reducing to 0.29%.

Negative

The bank experienced a significant decline in other income due to minimal treasury revenues in Q4.
There is uncertainty regarding the succession plan for the CEO position, with the board still in the process of searching for a successor.
The bank's gold loan portfolio faces risks from gold price volatility, although risk management measures are in place.
Employee expenses saw a one-off reduction due to an actuarial valuation write-back, which may not be sustainable.
Credit costs are expected to trend upwards due to geopolitical stresses, despite current low slippage and credit costs.

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

SIBK.NS - South Indian Bank Ltd
Q4 2026 South Indian Bank Ltd Earnings Call
May 07, 2026 / 10:30AM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Ladies and Gentlemen, Khatre and welcome to the South Indian Bank Q4 FY26 Earnings Call hosted by ICICI Securities Limited.

As a reminder, all participant lines will be on listen-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 then 0 on your touchstone phone.

Please note that this conference is being recorded.

I would now like to hand the conference over to Mr. Amit Singh Sachsinghali from ICICI Securities.

Thank you and over to you.

--------------------------------------------------------------------------------
Unidentified_2

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.