Investor Presentation January

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Rudolph Ward
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1 Investor Presentation January

2 Safe Harbor No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certain statements made in this presentation may not be based on historical information or facts and may be forward looking statements, including those relating to the Company s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company s business, its competitive environment and political, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe for any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. This presentation can not be copied and/or disseminated in any manner. 2

3 Contents Q3 FY19 Highlights Business Strategy Performance Matrix Next Generation Bank About Us 3

4 Q3 FY19 Highlights 4

5 Key Quarterly Highlights- Q3 FY19 CASA Deposits Advances Q3 FY19 18,905 Q3 FY19 77,665 Q3 FY19 60,064 Q3 FY18 16,929 Q3 FY18 68,109 Q3 FY18 52,449 12% 14% 15% Net Interest Income Other Income PPOP Q3 FY Q3 FY Q3 FY Q3 FY Q3 FY Q3 FY % 18% 1% 5

6 Business Strategy 6

7 Our Strategy Expand Retail Business New Retail Banking Department Focus on retail loan & liability/investment products Efficient branches & processing centers for faster processing of loans Outbound Sales team Continuous training of work force Advanced technology for ease of customers Invest in Brand Building Strengthen SME Base Cluster based approach in industry hubs Sole Banker to SMEs for all banking needs Dedicated vertical to penetrate SME banking Improve CASA Enhance Asset Quality Strategy & Road map in place to increase CASA funds Alternate channels for mobilising CASA Centralized processes allowing branches to focus on garnering low cost funds Continuous improvement/review of products Granulize loan portfolio to spread out risk Cautious approach on large corporate lending Special cell for monitoring non performing and restructured assets Improve share of other Income Focus on increasing banking services for SME, Retail, NRI Enhance treasury capabilities & increase branch strength Expand POS/ATM Network and all digital channels Leveraging technology to introduce modern & new-age banking products Focus on 3 rd Party/Investment products to generate more other income 7

8 Performance in Line with Strategy Strengthen Retail base Rs. 16,857 Crs INCREASE 29.4% YoY Expand Agriculture & SME Base Rs. 22,095 Crs INCREASE 6.1% YoY Improve CASA Rs. 18,905 Crs INCREASE 11.7% YoY 8

9 Shall continue to focus on Core Strengths 01 Increase CASA 02 Retail Business More Products 03 SME Business Sole Banker Retail Relationships SME Relationships 06 Sustainable Asset Quality 05 Increase Fee Income 04 Improve NIM 9

...Increase Retail & SME Business 01 02 03 Centralized Marketing & Processing Centre (Kochi) Retail Hub Home Loan Auto Loan MSME Loan LAP Cluster Branches Loan Processing Entire Loan underwriting

10 ...Increase Retail & SME Business Centralized Marketing & Processing Centre (Kochi) Retail Hub Home Loan Auto Loan MSME Loan LAP Cluster Branches Loan Processing Entire Loan underwriting centralised Enhanced risk management KYC compliance and fraud prevention tools Retail Business Penetrate further in the existing set of Customers Faster Sanctions Branch Profitability Focus on particular geographies and open additional branches Improve Branch Profitability 10

11 by focus on Housing Loans in Retail 13,027 1,422 1,008 3,671 2,250 13,787 1,543 1,045 3,826 2,446 Retail Breakup +29% 15,200 1,668 1,096 4,394 2,809 16,061 1,706 1,159 4,660 2,993 1,328 1,357 1,440 1,494 16,857 1,780 1,200 4,816 2,903 1,840 3,348 3,571 3,793 4,049 4,318 Dec-17 Mar-17 Jun-18 Sep-18 Dec-18 Housing: Key Initiatives Retail hub in Kochi to increase focus on housing finance Dedicated Officers for marketing Retail Loans Marketing initiative through TVCs Tailor made products for different segments October to December 2018 Mortgage Loans Sanctioned : 2,872 Nos. Amount of Mortgage Loans Sanctioned: Rs. 984 Crs Others LAD* Service & Traders Manufacturing Gold Housing *LAD = Loan against deposits 11

12 becoming a Banker of Choice to SMEs Rs Lakhs Average SME Loan / Account SME Loan Book by Geography Q3 FY19 Rest of India 25% Kerala 43% South (Ex- Kerala) 32% Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 SME Highlights Dedicated JGM appointed to ensure focus and better coordination with regions Focused Green Channel branches to drive faster loan growth to SMEs Target to become banker of choice to SMEs thereby getting other business as well liabilities, vehicle finance Ongoing training (in-house as well as external) Entire SME loan processing centralized at Kochi at two centers- Special focus on applications up to Rs Cr and standardized, uniform risk based approach on Rs Cr to Rs Cr SME Segment. Underwriting of SME loans through customized software called SME LOS (SME Loan Origination System ) to ensure speedy, paperless processing with capabilities to integrate with external sources like Finacle, CIBIL, Rating Agencies etc for seamless flow of data. Regional Offices freed from processing of loan applications so as to focus on new customer acquisition and marketing 12

13 with the help of our Branch Network Total Branch Network +1.5% FY14 FY15 FY16 FY17 FY18 9M FY19 Total ATM Network Branch Location* No of Branches Kerala 465 South India (Ex-Kerala) 249 Rest of India 143 Total 857 1,000 1, % 1,287 1,320 1,382 1,407 FY14 FY15 FY16 FY17 FY18 9M FY19 *Map for illustration purpose only 13

14 and our Experienced Employees Employee Addition Total Employees: 7,855* 7, , % 27% 8% 18% 36% Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Closing < 1 Year 1-2 Years 2-5 Years 5-10 Years > 10 Years *Full-time officers and clerks. 14

15 Performance Matrix 15

16 Strong Deposit Franchise Core & Non-Core Deposits Dec-18 62,331 Dec-18 15,334 Dec-18 77, % 33.7% 14.0% 56,640 Dec-17 11,469 Dec-17 68,109 Dec-17 Core Deposit Non-Core Deposit Total Deposit CASA Deposits Dec-18 Dec-18 Dec-18 3,485 15,421 18, % 11.8% 11.7% 3,129 13,799 16,929 Dec-17 Dec-17 Dec-17 Current Deposit Savings Deposit Total CASA 16

17 Core Deposits Growing... Breakup of Deposits CASA Deposit 68,109 72, % 72,488 74,911 77,665 16,928 3, % 18,905 3,485 39,746 40,408 41,561 42,498 43,426 13,799 15,420 Dec-17 Dec-18 Current Savings Term Deposits 13,799 3,129 14,084 14,937 15,357 3,058 2,946 3,031 15,420 3,485 39,746 +9% 43,426 11,435 14,480 13,044 14,025 15,334 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Term Savings Current Others* Dec-17 Dec-18 *Others includes: Bulk, Certificates of Deposits 17

18 NRI Deposits Growing NRI Deposits CASA In (%) +14% 18,375 18,855 19,631 20,425 20, Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 18

19 Break Up of Non Resident Deposits Deposit Type () Q3-FY 18 Q4-FY 18 Q1-FY 19 Q2-FY 19 Q3-FY 19 NRE SB 3,212 3,335 3,628 3,741 3,768 NRO SB FCNR (B), RFC & Others 1,598 1,634 1,638 1,652 1,697 Low Cost NRI Deposit (Sub Total) 5,413 5,587 5,889 6,050 6,177 NRE Term Deposit 12,427 12,704 13,180 13,789 14,199 NRO Term Deposit Total NRI Deposit 18,375 18,855 19,631 20,425 20,981 19

20 Composition of Loan Book Corporate Advances (Above Rs 25 Crs) +14% 20,438 19,976 20,149 21,111 18,598 Retail Advances +15% 33,851 34,671 36,188 37,264 38,953 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Segment wise Break Up of Total Loan Book 8,068, 13.43% 21,111, 35.15% 14,027, 23.35% Corporate Retail Ex Gold Gold SME Agriculture 1,840, 3.06% 15,017, 25.00% 20

21 Composition of Loan Book Break up of Loan book Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 Advances (Rs. Crs) No. of A/C s Rs. (in Crs) No. of A/C s Rs. (in Crs) No. of A/C s Rs. (in Crs) No. of A/C s Rs. (in Crs) No. of A/C s Rs. (in Crs) Less than 5 Crs 7,11,884 20,515 7,15,160 21,816 7,15,520 22,529 7,17,750 23, ,279 25, Crs 3,763 9,332 3,753 10,147 3,798 10,564 3,898 10,892 4,071 11, Crs ,003 1,038 10, , , ,790 More than 100 Crs , , , , ,377 Total Advances 7,16,883 52,449 7,20,338 55,109 7,20,686 56,164 7,23,019 57, ,723 60,064 21

22 Composition of Corporate Loan Book 96.8% of our Large Corporate Standard Advances above Rs. 100 Crs are under Investment Grade 82.7% of Total Corporate Loan Book is Investment Grade (Rs. 25 Crs and above) External Rating SIB Internal Rating 0.1% 0.0% 0.0% 2.0% 2.1% 17.4% 16.9% 19.3% 25.8% 25.4% 24.7% 26.4% 27.5% 25.4% 32.1% 21.1% 24.7% 24.6% 21.7% 31.4% 21.2% 24.6% 27.1% 22.9% 24.1% 31.9% 32.1% 30.1% 21.1% 13.8% 28.1% 27.2% 27.0% 28.9% 24.4% 23.2% 6.3% Dec % 3.7% Mar % 5.0% Jun % 9.3% Sep % 3.2% Dec % Dec % Mar % Jun % Sep % Dec-18 AAA AA A BBB <BBB SIB AAA SIB AA SIB A SIB BBB SIB <BBB 22

23 Key Focus : Retail, SME & Agriculture Retail excluding Gold Gold ( Average LTV 65%) +28% +39% 11,699 12,430 13,760 14,567 15,017 1,840 1,328 1,357 1,440 1,494 Retail Loans (Excl. Gold), Agriculture & SME has grown by 14.1% (Y-o-Y) Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Agriculture +7% 7,569 7,919 7,851 7,887 8,068 SME +6% 13,255 12,965 13,137 13,316 14,027 ~16% of the Agriculture & SME Loans are backed by Additional Security by way of GOLD Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 23

24 Advances growing Across Regions +15% 52,449 14,898 55,109 56,164 15,983 16,646 57,413 17,049 60,064 17,932 15,975 16,624 16,771 16,996 17,924 21,576 22,502 22,747 23,368 24,208 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Rest of India South Ex- Kerala Kerala 24

25 Net Interest Income - Quarter Net Interest Income Cost of Deposits & Yield on Advances In % Cost Of Deposit Yield on Advances Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sept-18 Dec Net Interest Margin In % Cost of Funds & Yield on Funds Cost of Funds In % Yield on Funds Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 25

26 Net Interest Income - Cumulative Net Interest Income 1,966 Cost of Deposits & Yield on Advances In % Cost of Deposits Yield on Advances 964 1,473 1,001 1, Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec -17 Mar -18 Jun -18 Sept -18 Dec -18 Net Interest Margin In % Cost of Funds & Yield on Funds Cost of Funds In % Yield on Funds Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 26

27 Improving Operating Efficiency Employee Additions C/I Ratio In % Dec -17 Mar -18 Jun -18 Sept -18 Dec Dec -17 Mar -18 Jun -18 Sept -18 Dec -18 Business per Employee Business per Branch Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 27

28 Sustainable Other Income Total Other Income led by. Sustainable : Transaction Fees + Technology Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Transaction Fees Technology Profit on Sale of Investments, Forex & Others Investment Book as on Dec-18 Details Rs. Crs M Duration HTM 14, AFS 3, Dec-17 Mar-18 Jun-18 Sep Dec-18 HFT 1 - Total 18, Forex Other Profit on Sale of Investments 28

29 Break Up of Provisions Q3-FY 19 Q3-FY 18 Q2-FY 19 For NPA & NPI For Depreciation on Investments For Standard Assets For Restructured Advances/Sacrifices & FITL For Unhedged Forex Exposure Others Taxes Total Provisions

30 Non Performing Assets Gross NPA Net NPA 3.40% 3.59% 4.54% 4.61% 4.88% 2.35% 2.60% 3.27% 3.16% 3.54% Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 Gross NPA Movement Net NPA Movement Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 Opening 1,766 1,775 1,980 2,552 2,646 Additions * Deductions Closing 1,775 1,980 2,552 2,646 2,930 Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 Opening 1,256 1,211 1,416 1,814 1,785 Additions Deductions Closing 1,211 1,416 1,814 1,785 2,100 *Break up of Rs. 659 Crs as below: Corporate Slippage - Rs. 503 Crs MSME Slippage - Rs. 119 Crs Retail Slippage - Rs. 34 Crs Agri Slippage - Rs. 3 Crs Corporate slippages of Rs. 503 Crs consist of Rs. 400 Crs 1 Large Infrastructure Conglomerate Rs. 103 Crs 1 EPC Contractor 30

31 Stressed Assets - QoQ Gross Basis Net Basis Q2-FY 19 Q3-FY 19 Q2-FY 19 Q3-FY 19 NPA 2,646 2,930 1,785 2,100 Restructured Standard Advance Other Stressed Advances Total Stressed Assets 2,772 3,130 1,901 2,300 Advances 57,413 60,064 56,572 59,256 Stressed Assets as % of Advances 4.83% 5.21% 3.36% 3.88% 31

32 Restructured Advances Breakup 248 Restructured Assets Break-up Sector Standard Restructure Q3FY % % Construction EPC Others (on Account of Kerala Floods) Security Receipts Outstanding as on Book Value Provision NAV 1, ,019 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Restructured Standard Advance 32

33 Restructured Standard Asset Book Restructured Standard Advance Opening Fresh Addition Upgradation from NPA to Std. Rest. Uday SDL Investments Decrease in Balance Slippages to NPA Closing Balance Infra Roads Construction EPC Others Total

34 Credit Provisioning NPA Provisioning Provision Coverage Ratio : 41.17% Opening Additions Deductions Closing 34

35 Fresh Slippages/Advance Ratios 0.38% Retail Slippage 0.40% 0.42% Agriculture Slippage 0.71% 0.18% 0.20% 0.18% 0.14% 0.22% 0.04% Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 SME Slippage Corporate Slippage 1.72% 2.36% 1.54% 2.38% 0.76% 0.80% 0.18% 0.30% 0.00% 0.09% Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 Dec-17 Mar-18 Jun-18 Sept-18 Dec-18 35

36 Capital Composition BASEL III In % Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Tier 2 Tier 1 36

37 Profit & Loss Overview- Q3 FY19 Q3-FY19 Q3-FY 18 Y-o-Y (%) Q2-FY 19 Q-o-Q (%0 Net Interest Income % % Other Income % % Total Income % % Operating Expenses % % Operating Profit % % Provisions (Ex-Tax) & Contingencies % % Reported Profit Before Tax % % Provision for Tax % % Profit After Tax % % 37

38 Next Generation Bank 38

1,407 ATMs across India Branches 857 Branches & 53

39 Present across Customer Touch Points Traditional & Alternate Channels SIB Mirror + Mobile Banking ATMs 1,407 ATMs across India Branches 857 Branches & 53 Extension Counters Internet Banking Point of Sale 39

Technology Initiatives Mirror + is an all in one stop for your mobile banking needs, with

account information, and much more SIBerNet is a suite of comprehensive internet banking

customers with added security like OTP, FRM Solution.

online, real-time transactions to customers.

40 Technology Initiatives Mirror + is an all in one stop for your mobile banking needs, with additional features as IMPS (24/7) fund transfer, NEFT fund transfers, and full access to account information, and much more SIBerNet is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers with added security like OTP, FRM Solution. Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers. Instant account opening facility through Quick Account Opening, TAB Account Opening supported by e-kyc. SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools 40

41 Personal Banking: Technology Banking Active Internet Users Internet Transaction Volume Internet Transaction Value (000) s (000) s ,594 6,075 6,185 6,451 6,989 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mobile Transaction Volume Mobile Transaction Value (000) s 5,549 3,401 1,961 2,242 2,682 3,632 1,548 1,875 2,257 2,657 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 41

42 Personal Banking: Debit Cards No of Active Debit Cards Debit Card Transaction Volumes In Millions 4.3 In Millions Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Debit Card Transaction Value 6,949 7,090 7,512 7,573 7,761 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 42

43 About Us 43

Milestones FIRST among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBI Act FIRST bank in the private sector in India to open a Currency Chest on behalf of the RBI

44 Milestones FIRST among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBI Act FIRST bank in the private sector in India to open a Currency Chest on behalf of the RBI in April 1992 FIRST private sector bank to open a NRI branch in November 1992 FIRST bank in the private sector to start Industrial Finance Branch in March 1993 FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater exclusively to the export and import business in June 1993 FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to the in-house partial automation solution operational since 1992 The FIRST Kerala based bank to implement Core Banking System 44

45 Expansion since FY08 Branch Network ATM Network +75% +531% 857 1, FY08 9MFY19 FY08 9MFY19 Kerala South Ex-Kerala Others (Rest of India) 45

46 Performance since FY08 Net Interest Income CAGR: +18% 1,966 Profit After Tax CAGR: +8% FY08 FY18 FY08 FY18 Business (Advances + Deposits) Gross NPA CAGR: +17% 181bps In % 127, , FY08 FY18 FY08 FY18 46

47 Leadership Team Mr. V. G Mathew, MD & CEO Post Graduate in Physics and CAIIB with over 37 years of experience Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014 Significant experience in Retail & Corporate Credit, Technology and Risk Management Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB The major assignments handled by Mr. Mathew in SBI are Dy. General Manager (IT Networking Project) Dy. General Manager and Branch Head, (Overseas Branch, Bangalore) General Manager, (Corporate Accounts Group-Mumbai Branch) Chief General Manager (Risk Management) Chief General Manager (Corporate Accounts Group) He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee, Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie Infrastructure Trustee (P) Limited 47

48 Leadership Team Mr. Thomas Joseph K, EVP (Operations) Bachelors Degree in Engineering and Diploma in Management & CAIIB He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors Mr. G Sivakumar, EVP (Credit) Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB He heads Credit and Legal Departments He has over 35 Years of Experience in Domestic and International Banking in India and Abroad Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was responsible for Private Equity and Venture Capital Investments made by the Bank He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than ten Alternative Investment Funds Mr. K N Reghunathan, EVP (Treasury) Commerce Graduate & CAIIB He is responsible for Treasury Operations of the Bank along with International Banking Division Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International Banking Division. He was the Bank s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India Advantage Fund I & II 48

49 Management Team Mr. Benoy Varghese (Country Head Wholesale Banking) Bachelors Degree in Arts & Masters Degree in Business Administration and CAIIB Mr. Sanchay Kumar Sinha (Country Head Retail Banking) Bachelor s degree in Arts, Post Graduate Certificate in Business Management (XLRI) Mr. John Thomas (Country Head Business Development) Mr. Raphael T.J., Senior General Manager (Chief Information Officer) Bachelors Degree in Science, MBA and CAIIB Bachelors Degree in Commerce, Masters in EXIM, Diploma in Financial Management and CAIIB Mr. Anto George T, General Manager (Head of Inspection & Vigilance Department and Chief of Internal Vigilance) Bachelors Degree in Arts & Post Graduate Diploma in Computer Application and MBA in HR Management Certification in RDBMS & Oracle 8i and JAIIB Mr. Shelly Joseph, General Manager Masters Degree in Commerce & CAIIB 49

50 Management Team Mr. Reddy N J, General Manager Mr. Sibi P M, Chief Compliance Officer Masters Degree in Commerce & LLB Bachelor of Technology Certified Associate of Indian Institute of Banking & Finance FRM and GARP Mrs. Chithra H, Chief Financial Officer Mr. Jimmy Mathew, Company Secretary Bachelors Degree in Commerce Associate member of the Institute of Chartered Accountants of India Certified Associate of the Indian Institute of Banking & Finance Bachelors Degree in Commerce, Associate Member of Institute of Company Secretary of India and Institute of Cost & Management Accountants of India. Also a Certified Associate of the Indian Institute of Banking & Finance 50

Award Wins during FY19 Best MSME Bank-Runner Up South Indian Bank has received the award for Best MSME Bank-Runner Up, instituted by Chamber of Indian Micro, Small & Medium Enterprises.

51 Award Wins during FY19 Best MSME Bank-Runner Up South Indian Bank has received the award for Best MSME Bank-Runner Up, instituted by Chamber of Indian Micro, Small & Medium Enterprises. Photo Caption- Mr. John Thomas, Country Head (Business Development) received the award on behalf of South Indian Bank from Shri. Giriraj Singh, Minister of State in charge, Micro, Small & Medium Enterprises in presence of Mr. Mukesh Mohan Gupta, President, Chamber of Indian Micro Small & Medium Enterprises (CIMSME) and Mr. Satheesh Kumar K S (JGM & Regional Head, Delhi), South Indian Bank. 51

Award Wins during FY19 CSR Award for Banks & NBFCs South Indian Bank has received the CSR Award for Banks & NBFCs under Education Sector instituted by Kerala Management Association (KMA).

52 Award Wins during FY19 CSR Award for Banks & NBFCs South Indian Bank has received the CSR Award for Banks & NBFCs under Education Sector instituted by Kerala Management Association (KMA). South Indian Bank has won the CSR Award for the contribution to higher education sector through "SIB SCHOLAR", Bank's own scholarship scheme for academically brilliant but financially challenged students for pursuing higher education. Photo Caption- Shri. Raphael T.J (Senior General Manager & CIO) received the award on behalf of South Indian Bank from Shri. Kochouseph Chittilappilly (Chairman & CEO, V-Guard Industries Ltd.) in the presence of Dr. George Sleeba (Executive Director, K. Chittilappilly Foundation), Mr. Jose Dominic (MD & CEO, CGH Earth Group), Mr. V. George Antony (Non Executive Vice Chairman, UAE Exchange & Financial Services Ltd.) and Mr. Vivek Krishna Govind (President, KMA & Senior Partner, Varma & Varma Chartered Accountants). 52

53 For further information, please contact: Company The South Indian Bank Ltd. CIN L65191KL1929PLC Ms. Chithra H, CFO Mr. Vijith S, Dy. General Manager Investor Relations Advisors Strategic Growth Advisors Pvt. Ltd. CIN - U74140MH2010PTC Mr. Shogun Jain / Mr. Sagar Shroff shogun.jain@sgapl.net / sagar.shroff@sgapl.net /

Experience Next Generation Banking. Investor Presentation July

Experience Next Generation Banking Investor Presentation July - 2016 Safe Harbor No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy,