Investor Presentation January

Investor Presentation January - 2018

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

Contents Q3 FY18 Highlights Business Strategy Performance Matrix Next Generation Bank An Inflection Point About Us 3

Q3 FY18 Highlights 4

Award Wins Won Digital India Excellence Award 2017 Digital India Excellence Award 2017 for its innovation in mobile app Digital e-lock in the 5th PAN-IIM World Management Awards 2017 5

Key Performance Highlights- Q3 FY18 CASA Deposits Advances Q3 FY18 16,929 Q3 FY18 68,109 Q3 FY18 52,449 Q3 FY17 16,486 Q3 FY17 63,595 Q3 FY17 45,234 3% 7% 16% Net Interest Income Other Income* Q3 FY18 509 Q3 FY18 159 Q3 FY17 418 Q3 FY17 259 PPOP* 22% PAT 39% Q3 FY18 330 Q3 FY18 115 Q3 FY17 377 Q3 FY17 111 12% 3% Bank has also decided to augment the paid-up capital by issue of upto 20 cr equity shares of FV of Re.1 each through QIP *De-growth is mainly due to declining treasury trading profit from Rs. 127 cr of Q3 FY17 to Rs. 11 cr of Q3 FY18 6

Business Strategy 7

Our Strategy Expand Retail Business Focus on retail loan products Efficient branches for faster processing of loans 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 Strategy & Road map in place to increase CASA funds Centralized processes allowing branches to focus on garnering low cost funds Enhance Asset Quality Improve share of other Income Granulize loan portfolio to spread out risk Cautious approach on large corporate lending Special recovery cell for monitoring non performing and restructured assets Focus on increasing banking services for SME, Retail, NRI Enhance treasury capabilities & increase branch strength Expand PoS & ATM Network Leveraging technology to introduce modern & new-age banking products 8

Performance in Line with Strategy Expand Retail, SME & Agriculture Business Rs. 32,523 Crs INCREASE 25% YoY Strengthen SME Base Rs. 13,255 Crs INCREASE 25% YoY Improve CASA Rs. 16,929 Crs INCREASE 3% YoY Enhance Asset Quality (Restructured Book) Rs. 509 Crs Improve share of other Income Rs. 148* Crs DECREASE 61% YoY INCREASE 12% YoY *Other Income of Rs. 148 crore excludes profit on sale of investment 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 10

...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 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 11

by focus on Housing Loans in Retail Retail Breakup Housing: Key Initiatives 10,409 1,154 909 2,622 1,606 12,002 12,234 11,566 1,369 1,436 1,329 801 986 1,047 3,127 3,252 3,292 2,085 2,041 2,017 13,027 1,422 1,008 3,671 2,250 Retail hub in Kochi to increase focus on housing finance Two more hubs to be set up one in South India and one in North India Branch staff being given specific training to market mortgage loans Marketing initiative through TVCs Tailor made products for different segments 1,290 1,321 1,361 1,320 1,328 Oct to Dec 2017 2,828 2,903 2,993 3,122 3,348 Mortgage Loans Sanctioned : 2,820 Nos. Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Amount of Mortgage Loans Sanctioned 950 Crs Others LAD* Service & Traders Manufacturing Gold Housing *LAD = Loan against deposits 12

becoming a Banker of Choice to SMEs Average SME Loan / Account SME Loan Book by Geography Q3 FY18 19.69 21.25 Rs Lakhs 23.50 Rest of India 26% Kerala 42% 16.10 17.66 South (Ex- Kerala) 32% Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 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, etc. Ongoing training (in-house as well as external) 13

with the help of our Branch Network Total Branch Network +3.6% 738 794 822 834 850 851 FY13 FY14 FY15 FY16 FY17 9M FY18 Total ATM Network Branch Location* No of Branches Kerala 463 South India (Ex-Kerala) 246 800 1,000 +13.3% 1,200 1,287 1,320 1,370 Rest of India 142 Total 851 FY13 FY14 FY15 FY16 FY17 9M FY18 *Map for illustration purpose only 14

and our Experienced Employees Employee Addition Total Employees: 7,364* 191 83 7,364 6,983 6 279 24% 10% 3% 30% 33% Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Closing < 1 Year 1-2 Years 2-5 Years 5-10 Years > 10 Years *Full-time officers and clerks. 15

Performance Matrix 16

Strong Deposit Franchise Core & Non-Core Deposits Dec-17 56,640 Dec-17 11,469 Dec-17 68,109 5% 17% 7% 53,823 Dec-16 9,772 Dec-16 63,595 Dec-16 Core Deposit Non-Core Deposit Total Deposit CASA Deposits Dec-17 Dec-17 Dec-17 3,129 13,799 16,929 6% 2% 3% 2,946 13,540 16,486 Dec-16 Dec-16 Dec-16 Current Deposit Savings Deposit Total CASA 17

Core Deposits Growing... Breakup of Deposits CASA Deposit 63,595 66,117 65,791 67,142 68,109 16,486 2,946 +3% 16,929 3,129 37,415 38,498 39,162 39,618 39,746 13,540 Dec-16 13,799 Dec-17 Current Savings Term Deposits 13,540 12,994 13,522 13,526 13,799 +6% 2,946 2,753 3,064 2,959 3,129 37,415 39,746 9,693 11,874 10,043 11,039 11,435 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Term Savings Current Others* Dec-16 Dec-17 *Others includes: Bulk, Certificates of Deposits 18

NRI Deposits Growing NRI Deposits CASA In (%) 16,317 16,821 17,389 17,850 18,375 25.9 23.8 25.2 24.6 24.9 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 19

Break Up of Non Resident Deposits Deposit Type () Q3-FY 17 Q4-FY 17 Q1-FY 18 Q2-FY 18 Q3-FY 18 NRE SB 2,888 2,908 3,089 3,106 3,212 NRO SB 482 508 520 539 603 FCNR (B), RFC & Others 1,287 1,446 1,508 1,568 1,598 Low Cost NRI Deposit (Sub Total) 4,657 4,862 5,117 5,213 5,413 NRE Term Deposit 11,191 11,453 11,767 12,130 12,427 NRO Term Deposit 469 506 505 507 535 Total NRI Deposit 16,317 16,821 17,389 17,850 18,375 20

Composition of Loan Book Corporate Advances (Above Rs 25 Crs) Retail Advances 17,982 17,901 17,536 17,872 18,598 27,252 29,183 29,728 31,845 33,851 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Segment wise Break Up of Total Loan Book 7,569, 14.43% 18,598, 35.46% 13,255, 25.27% Corporate Retail Ex Gold Gold SME Agriculture 1,328, 2.53% 11,699, 22.31% 21

Composition of Corporate Loan Book 74% of Corporate Loan Book is Investment Grade Segment wise Break Up of Corporate Loan Book > Rs.25 crore 100.0% 0.8% 13.7% 15.1% 100.0% 0.5% 18.9% 15.9% 100.0% 0.2% 18.3% 19.0% 100.0% 0.2% 19.2% 18.6% 100% 0.1% 24.7% 21.2% Sept - 17 Dec - 17 Financial Intermediarias 4,062 4,208 Infrastructure 3,096 2,788 Cements & Products 1,057 951 Professional Services 960 710 Basic Metal & Metal Products 911 1,133 33.0% 32.8% 16.3% 14.6% 19.0% 14.7% 2.1% 2.7% Dec-16 Mar-17 AAA AA A BBB 38.3% 9.4% 12.0% 3.0% Jun-17 BB <BB 35.0% 15.1% 11.2% 0.6% Sep-17 Unrated 28.1% 15.6% 10.3% 0.0% Dec-17 Textiles 681 686 Trade 498 434 Chemicals and Chemical Products 502 412 Food Processing and Agri Allied Activities 488 450 Construction 392 351 All Engineering 338 303 All other Manufacturing Industries 3,690 4,308 All Other Service Sectors 1,197 1,864 Total Corporate Portfolio 17,872 18,598 22

Key Focus : Retail, SME & Agriculture Retail excluding Gold Gold ( Average LTV 65%) 9,119 10,245 10,641 10,914 11,699 1,290 1,321 1,361 1,320 1,328 Retail Loans (Excl. Gold), Agriculture & SME has grown by 25% Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Agriculture SME 6,253 6,633 6,876 7,185 7,569 10,590 10,984 10,851 12,425 13,255 ~16% of the Agriculture & SME Loans are backed by Additional Security by way of GOLD Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 23

Advances growing Across Regions 45,234 13,632 47,084 47,264 14,170 13,541 49,717 14,515 52,449 14,898 14,054 14,693 15,034 15,440 15,975 17,548 18,221 18,689 19,762 21,576 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Rest of India South Ex- Kerala Kerala 24

Net Interest Income - Quarter Net Interest Income Cost of Deposits & Yield on Advances In % 418 439 461 503 509 Cost Of Deposit Yeild on Advances 10.32 9.97 10.06 10.03 9.88 6.53 6.33 6.24 6.05 6.01 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 2.66 Net Interest Margin 2.80 2.95 2.74 In % 2.88 Cost of Funds & Yield on Funds Cost of Funds In % Yield on Funds 8.32 8.16 8.14 8.06 7.97 5.97 5.72 5.62 5.42 5.40 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 25

Net Interest Income - Cumulative Net Interest Income Cost of Deposits & Yield on Advances In % Cost of Deposits Yield on Advances 1,236 1,675 964 1,473 10.59 10.43 10.06 10.05 9.99 461 6.75 6.64 6.24 6.14 6.10 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec -16 Mar -17 Jun -17 Sept -17 Dec -17 Net Interest Margin In % Cost of Funds & Yield on Funds Cost of Funds In % Yield on Funds 2.72 2.72 2.80 2.87 2.87 8.63 8.50 8.14 8.10 6.20 6.06 5.62 5.52 8.04 5.46 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar -17 Jun -17 Sept -17 Dec-17 26

Improving Operating Efficiency Employee Additions C/I Ratio In % 279 191 5-6 -83 Dec -16 Mar -17 Jun -17 Sept -17 Dec -17 48.53 49.20 44.19 42.63 45.12 Dec -16 Mar -17 Jun -17 Sept -17 Dec -17 Business per Employee Business per Branch 13.5 13.8 14.3 14.1 14.5 119 120 129 130 132 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 27

Sustainable Other Income Total Other Income led by. Sustainable : Transaction Fees + Technology 259 138 219 280 159 67 45 86 84 94 59 54 64 98 67 22 27 30 29 31 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Transaction Fees Technology Profit on Sale of Investments, Forex & Others 8 9 57 8 110 39 127 9 7 89 25 68 43 18 11 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Investment Book as on Dec-17 Details Rs. Crs M Duration HTM 14,279 5.64 AFS 4,660 3.11 HFT 6 0.00 Total 18,945 5.20 Forex Other Profit on Sale of Investments 28

Break Up of Provisions Q3-FY 18 Q3-FY 17 Q2-FY 18 For NPA & NPI 229.8 167.0 120.5 For Depreciation on Investments 4.5 12.8 277.1* For Standard Assets 6.5 1.9 13.9 For Restructured Advances/Sacrifices & FITL -0.3-16.9-0.2 For Unhedged Forex Exposure 0.5-0.9 1.3 Others -86.7 42.7 41.1 Taxes 60.9 59.0 2.3 Total Provisions 215.2 265.6 455.9 Depreciation on Investments* moved up to Rs. 277 crore on account of the additional provision of Rs. 252 crore against the NPAs sold by the bank to an ARC during the previous year 29

Non Performing Assets Gross NPA Net NPA 3.98% 3.61% 3.57% 3.40% 2.52% 2.54% 2.57% 2.35% 2.45% 1.45% Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 Gross NPA Movement Net NPA Movement Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 Opening 1,745 1,787 1,149 1,696 1,766 Opening 1,206 1,116 675 1,183 1,256 Additions 197 1,150 686 252 258 Additions 125 991 580 209 89 Deductions 155 1,788 140 182 249 Deductions 216 1,432 72 136 134 Closing 1,787 1,149 1,696 1,766 1,775 Closing 1,116 675 1,183 1,256 1,211 30

Stressed Assets - QoQ Gross Basis Net Basis Q2-FY 18 Q3-FY 18 Q2-FY 18 Q3-FY 18 NPA 1,766 1,755 1,256 1,211 Restructured Standard Advance 252 248 252 248 Other Stressed Advances 0 0 0 0 Total Stressed Assets 2,018 2,023 1,508 1,459 Advances 49,446 52,184 48,931 51,615 Stressed Assets as % of Advances 4.08% 3.88% 3.08% 2.83% We have ZERO accounts in our Watchlist of Large Corporate Book 31

Restructured Advances Breakup 1,295 Restructured Assets Break-up Sector Standard Restructure Q3FY18 653 14% 9% 571 501 513 509 642 262 261 261 261 77% 309 240 252 248 Infra Roads Construction EPC Others Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Restructured NPA Restructured Standard Advance 32

Restructured Standard Asset Book Restructured Standard Advance Opening Fresh Addition Increase in Existing Balance Uday SDL Investments Decrease in Balance Slippages to NPA Closing Balance Infra Roads 193 - - - 3-190 Construction EPC 22 - - - - - 22 Others 37-1 - 2-36 Total 252-1 - 5-248 33

Movement in Restructured Accounts 0 Movement in Restructured Accounts 0 0 1 5 Shift of focus from Large Corporate to SMEs 513 Defocusing from Power & Infra Sectors 509 Opening Fresh Addition Increase in Balance Upgradation in Standard Category Closure Including Write Off Dec in Balance Closing Special Recovery Cell & Asset Monitoring Cell 34

Adequate Provisioning NPA Provisioning 229.3 176.0 540.3 487.0 Provision Coverage Ratio 49.35% Opening Additions Deductions Closing 35

Fresh Slippages/Advance Ratios Retail Slippage Agriculture Slippage 0.86% 0.90% 0.11% 0.61% 0.34% 0.38% 0.49% 0.27% 0.44% 0.18% Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 SME Slippage Corporate Slippage 0.39% 0.64% 0.85% 0.78% 2.37% 3.51% 0.18% 0.65% 0.53% 0.00% Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 Dec-16 Mar-17 Jun-17 Sept-17 Dec-17 36

Well Capitalized to support Growth BASEL III 11.1 12.4 12.1 1.5 1.4 11.7 1.4 12.5 2.4 In % 1.7 9.4 10.9 10.8 10.4 10.1 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Tier 2 Tier 1 Bank has issued Non-Convertible, Redeemable, Unsecured, Basel III Compliant Tier 2 Bonds for inclusion of Tier 2 capital aggregating Rs. 490 crore Bank has also decided to augment the paid-up capital by issue of upto 20 cr equity shares of FV of Re.1 each through QIP 37

Balance Sheet Overview- Q3 FY18 Q3-FY 18 Q3-FY 17 Y-o-Y (%) Q2-FY 18 Q-o-Q (%) Capital & Liabilities 79,314 71,446 11.01% 75,837 4.59% Capital 181 135 33.59% 180 0.08% Reserves and Surplus 4,940 4,141 19.28% 4,797 2.98% Deposits 68,109 63,595 7.10% 67,142 1.44% Borrowings 4,678 2,205 112.13% 2,116 121.12% Other Liabilities & Provisions 1,406 1,369 2.70% 1,602-12.19% Assets 79,314 71,446 11.01% 75,837 4.59% Cash & Balances with RBI 3,069 3,576-14.18% 3,056 0.43% Balances with Banks 584 1,420-58.89% 532 9.75% Investments 18,584 17,576 5.74% 18,208 2.07% Advances 51,638 44,256 16.68% 48,954 5.48% Fixed Assets 655 595 10.12% 651 0.56% Other Assets 4,784 4,023 18.90% 4,435 7.85% Business (Advances + Deposits) 1,19,747 1,07,850 11.03% 1,16,096 3.14% Current Accounts 3,129 2,946 6.22% 2,959 5.77% Savings Accounts 13,799 13,540 1.92% 13,526 2.02% CASA Ratio 24.86% 25.92% -4.12% 24.55% 1.23% 38

Profit & Loss Overview- Q3 FY18 Q3-FY18 Q3-FY 17 Y-o-Y (%) Q2-FY18 Q-o-Q (%) Net Interest Income 509 418 22.00% 503 1.23% Other Income 159 259-38.57% 280-43.37% Total Income 668 676-1.16% 784-14.74% Operating Expenses 338 299 13.04% 323 4.52% Operating Profit 330 377-12.42% 460-28.27% Provisions (Ex-Tax) & Contingencies 154 207-25.33% 454-65.99% Profit Before Tax 176 170 3.25% 7 2568.33% Provision for Tax 61 59 3.24% 2 2581.50% Profit After Tax 115 111 3.25% 4 2561.41% 39

Key Metrics- Quarterly Particulars FY15 FY16 FY17 FY18 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Net Interest Margin 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% 2.7% 2.8% 2.7% 2.7% 2.8% 2.9% 2.9% (NIM) CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.7% 11.1% 11.1% 12.4% 12.1% 11.7% 12.5% RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.6% 0.7% 0.6% 0.4% 0.6% 0.02% 0.6% Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.6% 46.1% 50.2% 55.1% 44.6% 44.1% 49.4% CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.2% 22.8% 25.9% 23.8% 25.2% 24.6% 24.9% Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% 4.0% 4.0% 4.0% 2.5% 3.6% 3.6% 3.4% Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% 2.9% 2.8% 2.5% 1.5% 2.5% 2.6% 2.4% Book Value per Share (Rs.) 25.9 26.5 27.1 26.6 27.1 27.8 28.5 28.5 30.0 30.8 31.6 26.9 27.7 27.6 28.4 EPS (Rs.) (Annualized) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 2.6 2.3 0.1 2.5 Branches - Kerala 439 440 441 444 447 447 447 449 453 454 455 463 463 463 463 - South India (Ex- Kerala) 230 232 233 239 242 244 244 245 245 245 245 246 246 246 246 - Rest of India 132 133 136 139 139 140 140 140 140 140 140 141 142 142 142 Total Branches 801 805 810 822 828 831 831 834 838 839 840 850 851 851 851 ATMs - Kerala 565 587 607 651 670 682 688 698 701 713 718 724 745 756 769 - South India (Ex- Kerala) 297 313 325 365 378 380 384 387 388 391 393 394 396 393 396 - Rest of India 156 163 176 184 196 198 200 202 202 202 202 202 203 205 205 Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 1,320 1,344 1,354 1,370 40

Next Generation Bank 41

Present across Customer Touch Points Traditional & Alternate Channels SIB Mirror + Mobile Banking ATMs 1,370 ATMs across India Branches 851 Branches & 53 Extension Counters Internet Banking Point of Sale 42

Technology Initiatives SIB Mirror is a mobile-led platform with instant account access, balance retrieval, immediate fund transfers, all account intimations, and much more SIB-er Net is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers 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 43

Personal Banking: Technology Banking Active Internet Users Internet Transaction Volume Internet Transaction Value (000) s 175 192 205 223 260 (000) s 785 899 839 865 885 3,293 4,489 4,700 4,906 5,594 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mobile Transaction Volume Mobile Transaction Value (000) s 1,961 1,548 1,175 1,412 1,328 1,482 1,008 1,026 1,258 599 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 44

Personal Banking: Debit Cards No of Active Debit Cards Debit Card Transaction Volumes In Millions 3.5 3.6 In Millions 27.1 33.7 33.6 33.8 36.7 3.3 3.2 3.3 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Debit Card Transaction Value 6,949 6,685 6,655 4,028 5,480 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 45

An Inflection Point 46

Moving Towards Vision 2020 Appointed International Finance Corporation Entered Memorandum of Understanding with NSIC Opened Centralized Marketing & Processing Centre Provides advisory support to bank on the medium and long term strategy for significant growth in retail, agriculture and SME sectors Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank Houses the Bank s Marketing Dept, Retail Loan Hub and Transaction Banking Dept...to become Retail Banking Power House 47

About Us 48

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 49

Expansion since FY07 Branch Network ATM Network ~2X ~8X 850 1,320 463 724 465 277 246 394 122 66 141 174 84 39 51 202 FY07 FY17 FY07 FY17 Kerala South Ex-Kerala Others (Rest of India) 50

Performance since FY07 Net Interest Income CAGR : 16% 1,675 Profit After Tax CAGR : 14% 393 368 104 FY07 FY17 FY07 FY17 Business (Advances + Deposits) Gross NPA CAGR : 19% In % 149bps 112,507 3.94 2.45 20,158 FY07 FY17 FY07 FY17 51

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 52

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 53

Management Team Mr. John Thomas, Senior General Manager (Business Development Department) Bachelors Degree in Science, MBA and CAIIB Mr. Benoy Varghese, Senior General Manager (Country Head Wholesale Banking) Bachelors Degree in Arts & Masters Degree in Business Administration and CAIIB Mr. Raphael T.J., Senior General Manager (Chief Information Officer) 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, Certification in RDBMS & Oracle 8i and JAIIB Mr. Paul V.L., Senior General Manager (Administration) Mr. Sanchay Sinha (Country Head Retail Banking) Masters Degree in Arts and Post Graduate Diploma in Personnel Management & JAIIB Bachelor s degree in Arts, Post Graduate Certificate in Business Management (XLRI) 54

Management Team Mr. C.P. Gireesh, Chief Financial Officer Bachelors Degree in Mathematics Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of Banking & Finance Mr. Jacob EA, Chief Compliance Officer Mr. Jimmy Mathew, Company Secretary Bachelors Degree in Science & CAIIB - I 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 55

Awards & Recognition Awarded with ISO 27001:2013 Certification The certification process involved an extensive audit, conducted by British Standards Institution against the criteria set out by the ISO 27001:2013 standards on various domains of IT functions 56

Awards & Recognition Won IBA Banking Technology Awards Won National Payments Excellence Awards - 2016 Won Finnoviti Award - 2017 57

Awards & Recognition Won Two IDRBT Best Bank Awards Bagged Dun & Bradstreet, India s Top Banks & Banking Awards 2017 58

For further information, please contact: Company The South Indian Bank Ltd. CIN L65191KL1929PLC001017 Mr. C. P. Gireesh, CFO/ Mr. Vijith S, Dy. General Manager cpgireesh@sib.co.in vijiths@sib.co.in www.southindianbank.com Investor Relations Advisors Strategic Growth Advisors Pvt. Ltd. CIN - U74140MH2010PTC204285 Mr. Shogun Jain/ Ms. Sanghamitra Karak shogun.jain@sgapl.net / sanghamitra.karak@sgapl.net +91 77383 77756 / +91 9833692935 www.sgapl.net 59