Q1 2027 South Indian Bank Ltd Earnings Call Transcript

Jul 17, 2026 / 10:30 AM GMT

Release Date Price: ₹44.62 (-1.57%)

Transcript

Key Points

Positve

The South Indian Bank Ltd (BOM:532218) reported a net profit of 378 crores for Q1 FY27, marking a 17% growth compared to the previous year.
Total deposits increased by 11% year-over-year, with retail deposits growing by 14%.
Gross advances grew by 17% to 104,368 crores, indicating strong lending activity.
The bank achieved its highest ever net interest income in the quarter at 1,025 crores, a 23% increase from the previous year.
The capital adequacy ratio stood at a robust 19.62%, with a tier one ratio of 18.93% as of June 30, 2026.

Negative

The bank's fee income was soft, showing a decline quarter-over-quarter, which could impact overall revenue growth.
There was a noted decline in other income, including bank assurance and recoveries, which were lower than expected.
The cost of deposits is unlikely to see further sharp reductions, potentially impacting future net interest margins.
The bank's operating expenses are expected to increase slightly due to resumed hiring and branch expansion.
The gold loan book growth was muted due to changes in RBI regulations, affecting overall loan growth.

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

SIBK.NS - South Indian Bank Ltd
Q1 2027 South Indian Bank Ltd Earnings Call
Jul 17, 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 Q1F527 earnings conference call. This conference call may contain forward-looking statements about the company, which are based on the beliefs, opinions, and expectations of the company, as on date of this call.

These statements are not the guarantees of future performance and involved risks and uncertainties that are difficult to predict.

As a reminder, all participant lines will be in the 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 and 0 on a touch-tone phone. Please note that this conference

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