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South Indian Bank Q4 FY26: Net profit ₹40,750 lakhs

May 6, 2026 3 mins read Firehose Gupta

The South Indian Bank Limited — Quarter ended 31.03.2026 and year ended 31.03.2026 (Audited)

Optional commentary: Standalone and consolidated audited financial results for the quarter ended 31.03.2026 and year ended 31.03.2026 are extracted below (figures in ₹ lakhs as stated in the document).

Particulars Quarter ended 31.03.2026 Audited 31.12.2025 Unaudited 31.03.2025 Audited Year Ended 31.03.2026 Audited 31.03.2025 Audited
1. Interest earned (a) + (b) + (c) + (d) 2,55,948 2,51,753 2,37,344 9,84,650 9,41,331
(a) Interest/discount on advances/bills 2,03,631 1,96,300 1,91,421 7,75,691 7,52,908
(b) Income on investments 47,192 49,760 38,648 1,78,948 1,59,205
(c) Interest on balances with Reserve Bank of India and other inter-bank funds 4,355 4,830 3,935 20,929 16,723
(d) Others 770 863 3,340 9,082 12,495
2. Other Income 38,594 48,593 57,237 2,00,949 1,81,343
3. Total income (1+2) 2,94,542 3,00,346 2,94,581 11,85,599 11,22,674
4. Interest expended 1,64,415 1,63,685 1,50,511 6,40,914 5,92,767
5. Operating Expenses (i) + (ii) 71,999 78,228 75,739 3,07,348 3,02,899
(i) Employees cost 35,182 42,869 39,780 1,62,070 1,65,270
(ii) Other operating expenses 36,817 35,359 35,959 1,45,278 1,37,629
6. Total expenditure (4)+(5) (excluding provisions and contingencies) 2,36,414 2,41,913 2,26,250 9,48,262 8,95,666
7. Operating Profit (3) – (6) (Profit before Provisions and Contingencies) 58,128 58,433 68,331 2,37,337 2,27,008
8. Provisions (other than tax) and contingencies 3,439 8,041 22,419 41,733 51,319
9. Exceptional Items – – – – –
10. Profit/(Loss) from Ordinary activities before tax (7)-(8)-(9) 54,689 50,392 45,912 1,95,604 1,75,689
11. Tax expense 13,939 12,960 11,693 50,090 45,401
12. Net Profit/(Loss) from Ordinary activities after tax (10)-(11) 40,750 37,432 34,219 1,45,514 1,30,288
13. Extra ordinary items (Net of Tax Expense) – – – – –
14. Net Profit/(Loss) for the period (12-13) 40,750 37,432 34,219 1,45,514 1,30,288
15. Paid up Equity Share Capital (Face Value ₹ 1/- each) 26,176 26,172 26,163 26,176 26,163
16. Reserves excluding revaluation reserves – – – 10,82,842 9,46,984
17. Analytical ratios & other disclosures
i) Percentage of shares held by Government of India Nil Nil Nil Nil Nil
ii) Capital Adequacy Ratio (%) – BASEL III 19.66 17.84 19.31 19.66 19.31
iii) Earnings Per Share (EPS)
(a) Basic EPS – before and after Extraordinary items (₹)* 1.56 1.43 1.31 5.56 4.98
(b) Diluted EPS – before and after Extraordinary items (₹)* 1.55 1.43 1.31 5.55 4.98
iv) NPA Ratios
(a) Gross NPA 1,43,050 2,58,150 2,79,983 1,43,050 2,79,983
Net NPA 28,793 42,590 79,052 28,793 79,052
(b) % of Gross NPA to Gross Advances 1.43 2.67 3.20 1.43 3.20
% of Net NPA to Net Advances 0.29 0.45 0.92 0.29 0.92
v) Return on Assets (Annualised) – % 1.17 1.09 1.12 1.08 1.06
vi) Net worth 11,00,363 10,59,708 9,64,615 11,00,363 9,64,615
vii) Outstanding Redeemable Preference Shares Nil Nil Nil Nil Nil
viii) Capital Redemption Reserve Nil Nil Nil Nil Nil
ix) Debenture Redemption Reserve Nil Nil Nil Nil Nil
x) Debt Equity Ratio¹ 0.12 0.08 0.09 0.12 0.09
xi) Total debts to total assets² 2.77% 4.49% 3.45% 2.77% 3.45%
xii) Operating Margin 19.74% 19.46% 23.20% 20.02% 20.22%
xiii) Net Profit Margin 13.84% 12.46% 11.62% 12.27% 11.61%
Particulars Quarter ended 31.03.2026 Audited Quarter ended 31.12.2025 Unaudited Quarter ended 31.03.2025 Audited Year Ended 31.03.2026 Audited Year Ended 31.03.2025 Audited
1. Segment Revenue
a) Treasury 52,917 65,147 53,410 2,59,637 2,20,418
b) Corporate/ Wholesale Banking 89,826 86,556 1,04,328 3,44,234 3,64,652
c) Retail Banking 1,38,732 1,35,085 1,24,837 5,34,006 4,88,301
(i) Digital Banking 18,919 21,717 19,816 85,304 84,303
(ii) Other Retail Banking 1,19,813 1,13,368 1,05,021 4,48,702 4,03,998
d) Other Banking Operations 13,067 13,558 12,006 47,722 49,303
Total 2,94,542 3,00,346 2,94,581 11,85,599 11,22,674
Less : Inter – segment Revenue
Net Income from Operations 2,94,542 3,00,346 2,94,581 11,85,599 11,22,674
2. Segment Results (net of provisions)
a) Treasury 5,139 8,138 12,302 45,752 30,995
b) Corporate/ Wholesale Banking 8,078 11,518 12,632 24,711 44,899
c) Retail Banking 38,417 25,683 16,710 1,09,087 81,572
(i) Digital Banking (10,376) (3,486) (4,435) (10,802) (6,874)
(ii) Other Retail Banking 48,793 29,169 21,145 1,19,889 88,446
d) Other Banking Operations 3,055 5,053 4,268 16,054 18,223
Total 54,689 50,392 45,912 1,95,604 1,75,689
Less: Unallocated – – – – –
Profit/(Loss) Before Tax 54,689 50,392 45,912 1,95,604 1,75,689
3. Segment Assets
a) Treasury 29,96,669 32,19,032 24,25,946 29,96,669 24,25,946
b) Corporate/ Wholesale Banking 54,12,350 53,02,748 51,54,178 54,12,350 51,54,178
c) Retail Banking 53,84,102 49,36,613 45,15,300 53,84,102 45,15,300
(i) Digital Banking 6,17,989 5,72,119 5,42,583 6,17,989 5,42,583
(ii) Other Retail Banking 47,66,113 43,64,494 39,72,717 47,66,113 39,72,717
d) Other Banking Operations 1,193 1,518 1,687 1,193 1,687
e) Un allocated 3,81,316 3,89,792 3,68,401 3,81,316 3,68,401
Total 1,41,75,630 1,38,49,703 1,24,65,512 1,41,75,630 1,24,65,512
4. Segment Liabilities
a) Treasury 27,32,171 29,97,693 22,40,990 27,32,171 22,40,990
b) Corporate/ Wholesale Banking 50,48,946 49,42,424 48,06,488 50,48,946 48,06,488
c) Retail Banking 50,22,594 46,01,168 42,10,707 50,22,594 42,10,707
(i) Digital Banking 5,76,495 5,33,243 5,05,982 5,76,495 5,05,982
(ii) Other Retail Banking 44,46,099 40,67,925 37,04,725 44,46,099 37,04,725
d) Other Banking Operations – – – – –
e) Un allocated 2,31,569 2,07,325 1,97,335 2,31,569 1,97,335
Total 1,30,35,280 1,27,48,610 1,14,55,520 1,30,35,280 1,14,55,520
5. Capital Employed (Segment Assets – Segment Liabilities)
a) Treasury 2,64,498 2,21,339 1,84,956 2,64,498 1,84,956
b) Corporate/ Wholesale Banking 3,63,404 3,60,324 3,47,690 3,63,404 3,47,690
c) Retail Banking 3,61,508 3,35,445 3,04,593 3,61,508 3,04,593
(i) Digital Banking 41,494 38,876 36,601 41,494 36,601
Particulars As at 31.03.2026 (Audited) As at 31.03.2025 (Audited)
CAPITAL AND LIABILITIES
Capital 26,176 26,163
Employees Stock Option Outstanding 1,197 775
Reserves and Surplus 11,14,174 9,83,829
Deposits 1,23,34,632 1,07,52,560
Borrowings 3,92,701 4,30,047
Other Liabilities and Provisions 3,06,750 2,72,138
Total 1,41,75,630 1,24,65,512
ASSETS
Cash and Balances with Reserve Bank of India 6,18,295 5,09,770
Balances with Banks and money at call & short notice 3,95,779 7,16,239
Investments 27,32,771 21,77,718
Advances 99,25,980 85,68,207
Fixed Assets 1,04,284 1,01,829
Other Assets 3,98,521 3,91,749
Total 1,41,75,630 1,24,65,512
Particulars Year ended 31.03.2026 Audited Year ended 31.03.2025 Audited
Cash flow from operating activities
Profit before tax as per Profit and Loss Account 1,95,604 1,75,689
Adjustments for:
Depreciation 11,494 10,178
Amortisation of Premium on HTM Investments 10,669 12,654
Provision for Depreciation / Non Performing Investments (4,901) 7,148
General Provisions against Standard Assets 4,007 (793)
Provision/write off for Non Performing Assets 38,322 57,503
Other Provisions (596) (5,209)
Employee Stock Options expense 537 535
Interest on Subordinated bonds 3,886 14,003
(Profit)/Loss on sale of land, buildings and other assets (85) 234
Operating profit before working capital changes (A) 2,58,937 2,71,942
Changes in working capital:
Increase / (Decrease) in Deposits 15,82,072 5,60,534
Increase / (Decrease) in Other liabilities & provisions 36,058 (451)
(Increase) / Decrease in Investments (excluding Held To Maturity Investments) (34,945) (2,51,964)
(Increase) / Decrease in Advances (13,96,078) (8,19,504)
(Increase) / Decrease in

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