Q4 2026 South Indian Bank Ltd Earnings Call Transcript

May 7, 2026 / 10:30 AM GMT

Release Date Price: ₹41.76 (-1.83%)

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

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Presentation
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Unidentified_1 [1]
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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.

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Unidentified_2

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