The South Indian Bank Ltd.

Financial

	South Indian Bank	Equitas Small Fin.	Tamilnad Mercantile
Operational Metrics
Banking Sector
Net Interest Margin	3.19 %	7.39 %	4.0 %
Yield On Advances	9.01 %	16.55 %	10.17 %
Gross NPA	4.3 %	2.97 %	1.32 %
Net NPA	1.25 %	0.96 %	0.41 %
CASA Ratio	31.15 %	29.0 %	27.36 %
CASA vs Liabilities	27.16 %	23.25 %	21.3 %
Credit Deposit Ratio	80.08 %	86.86 %	86.62 %
Cost To Income Ratio	59.8 %	68.3 %	46.31 %
Fresh Slippages - Quarterly	291.0 Crs	585.76 Crs	54.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.0 %	20.29 %	29.35 %
Tier 2 Capital	1.32 %	2.79 %	1.47 %
Tier I Capital	16.68 %	17.5 %	27.88 %
NBFC
Cost of Borrowing	4.84 %	7.49 %	5.9 %
Financials
5 yr Average ROE	8.99 %	11.25 %	14.53 %
5yr average Equity Multiplier	15.51	7.01	9.43
5yr Average Asset Turnover Ratio	0.08	0.15	0.09
5yr Avg Net Profit Margin	6.93 %	10.11 %	16.69 %
5yr Avg Net Profit Margin	6.93 %	10.11 %	16.69 %
5yr CAGR Net Profit	88.63 %	26.81 %	21.33 %
5yr CAGR Sales	5.85 %	16.51 %	6.59 %
5 yr CAGR PPOP	8.41 %	18.18 %	8.29 %
Price to Book	0.63	1.1	0.79
P/E	4.95	21.02	5.8
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	-81.36 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.79 %	26.83 %	0.0

Business

	South Indian Bank	Equitas Small Fin.	Tamilnad Mercantile
Loan Break-Up	Loan Break-Up Corporate 40.0 Personal Loans 26.0 Agricultural 19.0 SME 15.0 Gold 0 Housing Finance 0 NBFC Finance 0 Corporate Loans 0 MSE Finance (Working Capital) 0 Micro Finance 0 Vehicle Finance 0 0	Loan Break-Up Agricultural 0 Gold 0 Small & Medium Enterprises (SME) loans 4.01 SME 0 Personal Loans 0 Housing Finance 12.22 Small & Medium Enterprises (SME) loans 14.38 Small & Medium Enterprises (SME) loans 41.68 Corporate Loans 0 NBFC Finance 0 Auto Loans 24.8 Corporate 0 Others 2.91	Loan Break-Up Agricultural 0 Gold 0 MSE Finance (Working Capital) 0 SME 0 Personal Loans 0 Housing Finance 0 Micro Finance 0 0 Corporate Loans 0 NBFC Finance 0 Vehicle Finance 0 Corporate 0 Others 100
Segment Break-Up	Segment Break-Up Consumer Finance 45.44 Corporate Banking 30.53 Treasury Operations 19.89 Other Banking Business 0 Corporate/Wholesale Banking 0 Retail Banking 0 Others 4.14	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Corporate Banking 0.86 Other Banking Business 0 Consumer Finance 85.14 Consumer Finance 0 Others 14.0	-
Location Wise Break-Up	Location Wise Break-Up Kerala 52.53 South India 29.79 Rest of India 17.68 International 0 Domestic 0 India 0	Location Wise Break-Up South India 0 India 0 Rest of India 0 International 0 Domestic 100.0 Kerala 0	Location Wise Break-Up South India 0 India 100.0 Rest of India 0 International 0 Domestic 0 Kerala 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 55.44 Wholesale Banking 29.11 Treasury 15.44 Other Banking Business 0 Corporate/Wholesale Banking 0 Others 0.01	Operating Profit Break-Up Corporate/Wholesale Banking 4.7 Other Banking Business 27.53 Treasury 49.39 Retail Banking 18.38 Wholesale Banking 0	Operating Profit Break-Up Corporate/Wholesale Banking 0 Other Banking Business 0 Treasury 16.42 Retail Banking 73.34 Wholesale Banking 0 Others 10.24
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 92.61 Borrowings outside India 5.04 Reserve Bank of India 2.34 0 0 Other institutions and agencies 0 Other banks 0 Others 0.01	Borrowings Break-Up Reserve Bank of India 0 0 Other banks 0 Other Institutions and Agencies 0 Other Institutions & Agencies 100.0 Borrowings outside India 0 0	-
NPA Break-Up	NPA Break-Up Trading 30.55 Agricultural 19.38 Personal Loan 12.8 Others 8.45 Professional Services 7.54 Textiles 6.23 Home loans 4.35 Basic Metal 2.33 INFRA 2.26 NBFC 0.14 Industry 0 Services 0 Housing 0 Micro, Small and Medium Enterprises 0 Agriculture 0 Others 5.97	NPA Break-Up Others 0 Agricultural 0 Personal Loan 0 Professional Services 0 Textiles 0 Micro, Small and Medium Enterprises 0 Housing 23.59 Home loans 0 Services 0 Agricultural 23.19 INFRA 0 NBFC 0 Basic Metal 0 Trading 0 Industry 0 Others 53.22	NPA Break-Up Others 0 Agricultural 0 Personal Loan 0 Professional Services 0 Textiles 0 Micro, Small and Medium Enterprises 0 Housing 0 Home loans 0 Services 0 Agriculture 9.72 INFRA 0 NBFC 0 Basic Metal 0 Trading 0 Industry 0 Others 90.28
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 61.04 Priority Sector 38.96 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 0 Priority Sector 68.23 Non Priority Sector 31.77	-
MSME Loan Break-Up	MSME Loan Break-Up Kerala 41.0 South ex Kerala 37.0 Others 22.0	-	-

The South Indian Bank Ltd.

The South Indian Bank Ltd.

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