The South Indian Bank Ltd.

Financial

	South Indian Bank	Karnataka Bank	City Union Bank
Operational Metrics
Banking Sector
Capital to Risks Assets Ratio (CRAR)	19.91 %	18.0 %	23.84 %
Tier 2 Capital	2.26 %	1.83 %	1.04 %
Tier I Capital	17.65 %	16.17 %	22.8 %
Cost To Income Ratio	64.48 %	53.2 %	51.26 %
Fresh Slippages - Quarterly	289.0 Crs	1836.64 Crs	219.4 Crs
Credit Deposit Ratio	76.59 %	72.93 %	84.0 %
Net Interest Margin	3.38 %	3.3 %	3.66 %
Yield On Advances	9.34 %	9.9 %	9.85 %
Gross NPA	4.5 %	3.53 %	3.99 %
Net NPA	1.46 %	1.58 %	1.97 %
CASA Ratio	32.08 %	31.97 %	30.63 %
CASA vs Liabilities	27.85 %	27.01 %	24.07 %
NBFC
Cost of Borrowing	4.79 %	5.4 %	4.8 %
Financials
5 yr Average ROE	4.76 %	10.12 %	12.16 %
5yr average Equity Multiplier	16.48	12.95	9.23
5yr Average Asset Turnover Ratio	0.08	0.08	0.09
5yr Avg Net Profit Margin	3.65 %	8.33 %	14.13 %
5yr Avg Net Profit Margin	3.65 %	8.33 %	14.13 %
5yr CAGR Net Profit	65.78 %	22.26 %	6.54 %
5yr CAGR Sales	-1.18 %	1.2 %	5.23 %
5 yr CAGR PPOP	-1.93 %	5.91 %	7.95 %
Price to Book	0.8	0.78	1.47
P/E	6.59	6.47	12.18
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	0.91 %	9.53 %	-4.44 %

Business

	South Indian Bank	Karnataka Bank	City Union Bank
Segment Break-Up	Segment Break-Up Consumer Finance 46.02 Corporate Banking 29.73 Treasury Operations 19.83 Retail Banking 0 Corporate/Wholesale Banking 0 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Others 4.42	Segment Break-Up Consumer Finance 44.7 Corporate Banking 0 RETAIL BANKING 0 Consumer Finance 0 Corporate Banking 35.07 Treasury Operations 0 TREASURY 0 CORPORATE /WHOLESALE BANKING 0 Others 20.23	Segment Break-Up Retail Banking 0 Corporate Banking 0 Consumer Finance 56.95 Consumer Finance 0 Corporate/Wholesale Banking 0 Treasury Operations 0 Treasury Operations 20.87 Corporate Banking 20.36 Others 1.82
Loan Break-Up	Loan Break-Up Corporate 40.0 Personal Loans 22.0 Agricultural 19.0 SME 19.0 Gold 0 Personal Loans - Others 0 Infrastructure Loan 0 Commercial Real estate 0 Housing Loan 0 0 Trade and Business 0 Professional and self employed 0 Industry Others 0 Iron & Steel 0 Textiles 0 Automobiles 0 Agriculture and allied activities 0 Infra structural Nonagriculture,NBFC 0 Loan Collateralized by Deposits 0 Retail Traders 0 Commercial Real Estate 0 Housing Loans 0 Large Industries 0 Wholesale Traders 0 MSME 0	Loan Break-Up 0 Retail Traders 0 Agricultural 0 Trade and Business 0 SME 0 Commercial Real Estate 0 Infrastructure Loan 0 MSME 0 Large Industries 0 Wholesale Traders 0 Automobiles 0 Others 11.53 Iron & Steel 0 Corporate 0 Personal Loan 24.15 Personal Loans 0 Textiles 0 Commercial Real estate 0 Loan Collateralized by Deposits 0 Agricultural 12.5 Housing Loan 0 Professional and self employed 0 Housing Loans 0 Gold 0 Infra structural Nonagriculture,NBFC 0 Others 51.82	Loan Break-Up 0 Retail 1.51 Agricultural 0 Trade and Business 0 SME 0 Commercial Real Estate 5.87 Infrastructure Loan 0 MSME Sector 37.97 Large Industries 1.04 Wholesale Traders 2.41 Automobiles 0 Industry Others 0 Iron & Steel 0 Corporate 0 Personal Loans - Others 0 Personal Loans 0 Textiles 0 Commercial Real estate 0 Loan Collateralized by Deposits 0 Agriculture and allied activities 0 Housing Loan 0 Professional and self employed 0 Housing Loans 0 Gold 0 Infra structural Nonagriculture,NBFC 13.67 Others 37.53
Location Wise Break-Up	Location Wise Break-Up Kerala 52.46 South India 29.74 Rest of India 17.8 Rest of the World 0 India 0	Location Wise Break-Up Rest of the World 0 India 100.0 South India 0 Kerala 0 Rest of India 0	Location Wise Break-Up Rest of the World 0 India 100.0 South India 0 Kerala 0 Rest of India 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 65.0 Treasury 25.68 Corporate & Wholesale Banking 0 Corporate / Wholesale Banking 0 Others 9.32	Operating Profit Break-Up Corporate & Wholesale Banking 0 Treasury 4.77 Retail Banking 47.07 Corporate / Wholesale Banking 48.17	Operating Profit Break-Up Corporate & Wholesale Banking 0 Treasury 54.73 Retail Banking 29.9 Corporate / Wholesale Banking 7.94 Others 7.43
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 3.93 Borrowings outside India 2.56 Subordinated Debts for Tier II Capital 0 Others 93.51	Borrowings Break-Up Subordinated Debt 65.27 Borrowings outside India 0 Reserve Bank of India 0 Others 34.73	Borrowings Break-Up Subordinated Debts for Tier II Capital 0 Borrowings outside India 0 Reserve Bank of India 0 Others 100
NPA Break-Up	NPA Break-Up Trading 28.66 Agricultural 18.88 Personal Loan 11.78 Services 8.0 Others 7.36 Textiles 6.68 INFRA 5.99 Professional Services 5.86 Home loans 4.42 Basic Metal 1.44 NBFC 0.35 Industry 0 Personal and Other Loans 0 Personal Loans 0 Agrriculture and allied Activities 0 Others 0.58	NPA Break-Up Basic Metal 0 Trading 0 Agrriculture and allied Activities 0 Agricultural 0 Industrial & Commercial 19.67 Personal Loans 0 Textiles 0 INFRA 0 Personal Loan 14.84 Others 0 Personal Loan 0 Home loans 0 NBFC 0 Professional Services 0 Services 37.37 Others 28.12	NPA Break-Up Basic Metal 0 Trading 0 Agricultural 9.1 Agricultural 0 Industrial & Commercial 20.8 Personal Loan 11.62 Textiles 0 INFRA 0 Personal and Other Loans 0 Others 0 Personal Loan 0 Home loans 0 NBFC 0 Professional Services 0 Services 58.48
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 57.58 Priority Sector 42.42 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 41.96 Non Priority Sector 58.04	Priority vs Non-Priority Sector Priority Sector 63.75 Non Priority Sector 36.25
MSME Loan Break-Up	MSME Loan Break-Up Kerala 45.0 South ex Kerala 36.0 Others 19.0	-	-

The South Indian Bank Ltd.

The South Indian Bank Ltd.

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