The South Indian Bank Ltd.

Financial

	South Indian Bank	City Union Bank	Karnataka Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.38 %	3.66 %	3.3 %
Yield On Advances	9.34 %	9.85 %	9.9 %
Gross NPA	4.5 %	3.99 %	3.53 %
Net NPA	1.46 %	1.97 %	1.58 %
CASA Ratio	32.08 %	30.63 %	31.97 %
CASA vs Liabilities	27.85 %	24.07 %	27.01 %
Credit Deposit Ratio	76.59 %	84.0 %	72.93 %
Cost To Income Ratio	64.48 %	51.26 %	53.2 %
Fresh Slippages - Quarterly	289.0 Crs	219.4 Crs	1836.64 Crs
Capital to Risks Assets Ratio (CRAR)	19.91 %	23.84 %	18.0 %
Tier 2 Capital	2.26 %	1.04 %	1.83 %
Tier I Capital	17.65 %	22.8 %	16.17 %
NBFC
Cost of Borrowing	4.79 %	4.8 %	5.4 %
Financials
5 yr Average ROE	4.76 %	12.16 %	10.12 %
5yr average Equity Multiplier	16.48	9.23	12.95
5yr Average Asset Turnover Ratio	0.08	0.09	0.08
5yr Avg Net Profit Margin	3.65 %	14.13 %	8.33 %
5yr Avg Net Profit Margin	3.65 %	14.13 %	8.33 %
5yr CAGR Net Profit	65.78 %	6.54 %	22.26 %
5yr CAGR Sales	-1.18 %	5.23 %	1.2 %
5 yr CAGR PPOP	-1.93 %	7.95 %	5.91 %
Price to Book	0.79	1.47	0.77
P/E	6.5	12.14	6.4
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 %	-4.44 %	9.53 %

Business

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

SIGN UP FOR FREE