The South Indian Bank Ltd.

Financial

	South Indian Bank	Karnataka Bank	City Union Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.38 %	3.46 %	3.5 %
Yield On Advances	9.34 %	9.9 %	9.62 %
Gross NPA	4.5 %	3.64 %	4.47 %
Net NPA	1.46 %	1.55 %	2.19 %
CASA Ratio	32.08 %	31.45 %	29.13 %
CASA vs Liabilities	27.85 %	28.97 %	32.71 %
Credit Deposit Ratio	76.59 %	75.65 %	83.0 %
Cost To Income Ratio	64.48 %	50.6 %	48.64 %
Fresh Slippages - Quarterly	289.0 Crs	1836.64 Crs	187.2 Crs
Capital to Risks Assets Ratio (CRAR)	19.91 %	15.88 %	21.87 %
Tier 2 Capital	2.26 %	2.22 %	1.04 %
Tier I Capital	17.65 %	13.66 %	20.83 %
NBFC
Cost of Borrowing	4.79 %	5.3 %	4.76 %
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	0.82	0.95	1.45
P/E	6.77	6.0	11.67
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 46.22 Corporate Banking 27.13 Treasury Operations 21.99 Retail Banking 0 Corporate/Wholesale Banking 0 RETAIL BANKING 0 CORPORATE /WHOLESALE BANKING 0 TREASURY 0 Others 4.66	Segment Break-Up Treasury Operations 0 RETAIL BANKING 0 Consumer Finance 0 Corporate Banking 37.34 Corporate Banking 0 CORPORATE /WHOLESALE BANKING 0 Consumer Finance 42.48 TREASURY 0 Others 20.18	Segment Break-Up Treasury Operations 0 Consumer Finance 58.56 Consumer Finance 0 Corporate/Wholesale Banking 0 Corporate Banking 0 Corporate Banking 19.17 Retail Banking 0 Treasury Operations 20.67 Others 1.6
Loan Break-Up	Loan Break-Up Corporate 38.0 Personal Loans 23.0 SME 20.0 Agricultural 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 Gold 0 Iron & Steel 0 Trade and Business 0 Wholesale Traders 0 Personal Loans 0 Housing Loans 0 Textiles 0 Commercial Real Estate 0 Loan Collateralized by Deposits 0 Commercial Real estate 0 Infrastructure Loan 0 Housing Loan 0 0 Professional and self employed 0 Retail Traders 0 Automobiles 0 Agricultural 12.5 Agricultural 0 MSME 0 Infra structural Nonagriculture,NBFC 0 SME 0 Others 11.53 Personal Loan 24.15 Large Industries 0 Corporate 0 Others 51.82	Loan Break-Up Gold 0 Iron & Steel 0 Trade and Business 0 Wholesale Traders 3.34 Personal Loans 0 Home loans 4.75 Textiles 0 Commercial Real Estate 5.78 Loan Collateralized by Deposits 1.67 Commercial Real estate 0 Infrastructure Loan 0 Housing Loan 0 0 Professional and self employed 0 Retail 2.1 Automobiles 0 Agriculture and allied activities 0 Agricultural 0 MSME Sector 40.76 Infra structural Nonagriculture,NBFC 14.18 SME 0 Industry Others 0 Personal Loans - Others 0 Large Industries 1.7 Corporate 0 Others 25.72
Location Wise Break-Up	Location Wise Break-Up Kerala 52.74 South India 29.85 Rest of India 17.41 Rest of the World 0 India 0	Location Wise Break-Up Kerala 0 India 100.0 Rest of India 0 South India 0 Rest of the World 0	Location Wise Break-Up Kerala 0 India 100.0 Rest of India 0 South India 0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 67.39 Treasury 22.74 Corporate & Wholesale Banking 0 Corporate / Wholesale Banking 0 Others 9.87	Operating Profit Break-Up Corporate / Wholesale Banking 50.69 Retail Banking 40.11 Corporate & Wholesale Banking 0 Treasury 9.2	Operating Profit Break-Up Corporate / Wholesale Banking 13.44 Retail Banking 39.69 Corporate & Wholesale Banking 0 Treasury 40.72 Others 6.15
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 Debt 65.27 Borrowings outside India 0 Others 34.73	Borrowings Break-Up Reserve Bank of India 0 Subordinated Debts for Tier II Capital 0 Borrowings outside 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 Agricultural 0 Basic Metal 0 Trading 0 Industrial & Commercial 19.67 Others 0 Personal Loan 0 Professional Services 0 Services 37.37 NBFC 0 Personal Loans 0 Textiles 0 Agrriculture and allied Activities 0 Home loans 0 INFRA 0 Personal Loan 14.84 Others 28.12	NPA Break-Up Agricultural 0 Basic Metal 0 Trading 0 Industrial & Commercial 20.8 Others 0 Personal Loan 0 Professional Services 0 Services 58.48 NBFC 0 Personal Loan 11.62 Textiles 0 Agricultural 9.1 Home loans 0 INFRA 0 Personal and Other Loans 0
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 42.0 South ex Kerala 35.0 Others 23.0	-	-

The South Indian Bank Ltd.

The South Indian Bank Ltd.

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