Investor PresentationOctober - 2017

2

Safe Harbor

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

3

Contents

About Us

Q2 FY18 Highlights

Performance Matrix

Next Generation Bank

An Inflection Point

Business Strategy

4

Q2 FY18 Highlights

5

Strengthened Management Team

Appointed Mr. Sanchay Sinha as Country Head-Retail Banking

▪ He has completed his PGCBM from XLRI and has more than 24 years of professional

experience in retail distribution and institutional sales across multiple industries including

Financial Services, Office Automation and Logistics

▪ Prior to this appointment, he was serving at Indusind Bank as Senior Vice President

▪ Having worked earlier with HDFC Bank, Mahindra & Mahindra, Modi Xerox etc, he brings

into the bank his technical skills in retail distribution across channels and products as well as

expertise in the Product Management & Planning

Appointed Mr. Benoy Varghese as Country Head-Wholesale Banking

▪ He is a management graduate from CUSAT and he possess banking experience of more than

33 years in South Indian Bank with significant exposure in Corporate Banking

▪ He handled several important assignments in the Bank including being the Regional Head

for Chennai and Mumbai regions of the Bank

6

Award Wins

Won Two IDRBT Best Bank Awards

“The Best Bank Award for Digital Banking among Small Banks” &“Best Bank Award for High Performance IT Ecosystem among Small Banks”

7

Award Wins

Bagged “Dun & Bradstreet, India’s Top Banks & Banking Awards 2017” in the category Best Private Sector Bank - Priority Sector Lending (Agriculture)

8

Key Performance Highlights- Q2 FY18

12%12%

Deposits

67,142

60,192

Q2 FY18

Q2 FY17

Advances

49,717

44,428

Q2 FY18

Q2 FY17

CASA

16,485

13,697

Q2 FY18

Q2 FY17

Q2 FY18

Q2 FY17

Other IncomeNet Interest Income

Q2 FY18

Q2 FY17

280

146

503

445

Q1 FY17

20%

13% 92%

PAT*

4

111

Q2 FY18

Q2 FY17

PPOP

460

297

Q2 FY18

55% 96%

Rs Crs

• PAT* was driven down on account of the exceptional provision on MTM valuation of Security Receipts received

on the sale of assets to ARC

• Normalised PAT excluding the exceptional provision is Rs. 169 crore

Q2 FY17

9

Profit & Loss excluding Exceptional Provision

Reconciliation to PAT excluding Exceptional Provision

Rs Crs Q2-FY18 Q2-FY 17 Y-o-Y (%)

Reported PAT including Exceptional Provision 4 111 -96%

Exceptional Provision post tax 165 -

PAT excluding Exceptional Provision 169 111 53%

With the incremental provisioning made, Provision Coverage towards the asset pool sold to ARC crossed 50% which would increase the prospects of the

recovery

10

Business Strategy

11

Our Strategy…

• 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

Expand Retail

Business

• Cluster based approach in industry hubs

• Sole Banker to SMEs for all banking needs

• Dedicated vertical to penetrate SME banking

Strengthen SME Base

• Strategy & Road map in place to increase CASA funds

• Centralized processes allowing branches to focus on garnering low cost funds

Improve CASA

• Granulize loan portfolio to spread out risk

• Cautious approach on large corporate lending

• Special recovery cell for monitoring non performing and restructured assets

Enhance Asset

Quality

• 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

Improve share of

other Income

12

…Performance in Line with Strategy

INCREASE18% YoY

Expand Retail, SME & Agriculture Business

Rs. 30,525 Crs

Strengthen SME Base

Rs. 12,425 Crs

Improve CASA

Rs. 16,485 Crs

Enhance Asset Quality(Restructured Book)

Rs. 513 Crs

Improve share of other Income

Rs. 280 Crs

INCREASE19% YoY

INCREASE20% YoY

DECREASE60% YoY

INCREASE92% YoY

13

Shall continue to focus on Core Strengths

01 Increase …

CASA

02 Retail Business …

More Products

03 SME Business …

Sole Banker

04 Improve

NIM

05 Increase…

Fee Income

06 Sustainable…

Asset Quality

RetailRelationships

SMERelationships

14

...Increase Retail & SME Business

• Enhanced risk management

• KYC compliance and fraud prevention tools

Loan Processing

• Penetrate further in the existing set of Customers

• Faster Sanctions

Retail Business

• Focus on particular geographies and open additional branches

• Improve Branch Profitability

Branch Profitability

Centralized Marketing & Processing

Centre (Kochi)

01 02 03

Retail Hub

• Home Loan• Auto Loan• MSME Loan• LAP

Cluster Branches

15

…by focus on Housing Loans in Retail

2,756 2,828 2,903 2,993

1,432 1,290 1,321 1,361

1,535 1,6062,085 2,041

2,446 2,622

3,127 3,252

1,094 909

801986

1,094 1,154

1,3291,369

3,122

1,320

2,017

3,292

1,047

1,436

Dec-16

10,409

12,002

Sep-17Jun-17Mar-17

11,566

Sep-16

10,358

12,234

Retail Breakup

Housing

Gold

Manufacturing

Service & TradersOthers

LAD*

Housing: Key Initiatives

• 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

Jul to Sept 2017

• Mortgage Loans Sanctioned : 2,085 Nos.

• Amount of Mortgage Loans Sanctioned – 671 Crs

Rs Crs

*LAD = Loan against deposits

16

…becoming a Banker of Choice to SMEs

SME Loan Book by Geography – Q2 FY18

• 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)

SME Highlights

Average SME Loan / Account

21.25

19.69

17.66

16.1015.76

Mar-17Dec-16Sep-16 Jun-17 Sep-17

Rs Lakhs

Kerala42%

South (Ex-Kerala)

34%

Rest of India24%

17

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 463

South India (Ex-Kerala) 246

Rest of India 142

Total 851

Total Branch Network

Total ATM Network

851850834822794738

FY15FY14FY13

+3.6%

H1 FY18FY16 FY17

1,3541,3201,2871,2001,000

800

H1 FY18

+13.3%

FY14 FY15FY13 FY17FY16

*Map for illustration purpose only

18

… and our Experienced Employees

Total Employees: 7,447*

11%

1%

32%

34%

22%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

191

279

7,447

Dec-16

656,978

Sep-16 Sep-17Mar-17 ClosingJun-17

*Employees include full-time officers and clerks.

19

Performance Matrix

20

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

12%

Core Deposit Non-Core Deposit Total Deposit

Sept-17 Sept-17

Sept-16 Sept-1649,909

56,040

60,192

67,142

12%

Current Deposit Savings Deposit Total CASA

Sept-17 Sept-17 Sept-17

Sept-16 Sept-16 Sept-16

2,399 11,299

13,526

13,697

16,485

23% 20% 20%

2,959

Rs Crs

Rs Crs

8%

Sept-17

Sept-1610,283

11,102

21

Core Deposits Growing...

Breakup of Deposits

10,215 9,693 11,874 10,043 11,039

11,299 13,54012,994 13,522 13,526

36,27937,415

38,498 39,162 39,618

2,9593,064

63,595

2,946

Sep-16

60,192

2,399

Jun-17Dec-16

2,753

65,791

Mar-17 Sep-17

66,117 67,142

Others*SavingsTerm Current

CASA Deposit

11,299

13,697

Sep-16

+20%

2,399

Sep-17

2,959

13,526

16,485

Term Deposits

39,61836,279

+9%

Sep-16 Sep-17

Rs Crs Rs Crs

Current Savings

Rs Crs

*Others includes: Bulk, Certificates of Deposits

22

NRI Deposits Growing…

22.8

25.9

23.8 25.2 24.6

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

CASA NRI Deposits

17,85017,389

16,82116,317

15,476

Sep-17Dec-16Sep-16 Mar-17 Jun-17

In (%)Rs Crs

23

Composition of Loan Book

31,84529,72829,183

27,25227,230

Jun-17Sep-16 Sep-17Mar-17Dec-16

Corporate Advances (Above Rs 25 Crs)

Rs Crs

17,87217,53617,90117,98217,198

Sep-17Jun-17Dec-16Sep-16 Mar-17

Retail Advances

Rs Crs

Segment wise Break Up of Total Loan BookRs Crs

17,872 ,35.95%

10,914 , 21.95%

1,320 , 2.65%

12,425 , 24.99%

7,185 , 14.45%

Corporate

Retail Ex Gold

Gold

SME

Agriculture

24

Composition of Corporate Loan Book

73% of Corporate Loan Book is Investment Grade

Rs Crs

Segment wise Break Up of Corporate Loan Book > Rs.25 crore

Rs Crs Jun – 17 Sept - 17

Financial Intermediarias 3,471 4,062

Infrastructure 3,451 3,096

Cements & Products 1,120 1,057

Professional Services 980 960

Basic Metal & Metal Products 928 911

Textiles 564 681

Trade 567 498

Chemicals and Chemical Products 368 502

Food Processing and Agri Allied Activities

464 488

Construction 647 392

All Engineering 259 338

All other Manufacturing Industries 3,890 3,690

All Other Service Sectors 797 1,197

Total Corporate Portfolio 17,536 17,872

100.0%

13.7%

0.2%

18.3%

Dec-16

100.0%

35.0%

Sep-16

15.1%

100.0%

38.3%

18.9%

100.0%

29.2%

Jun-17

32.8%

15.9%

Sep-17Mar-17

0.5%

21.5%

19.0%

0.2%

33.0%

100.0%

18.6%

0.8%

9.9%

1.2%

37.4%

24.3%

38.2%31.9%

27.0%

19.2%

BBB*AAAAAA <BBB or unrated

25

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

10,91410,64110,2459,1198,925

Jun-17Sep-16 Dec-16 Sep-17Mar-17

1,361

Mar-17 Sep-17Jun-17Sep-16 Dec-16

1,4321,3211,290 1,320

12,42510,85110,98410,59010,430

Jun-17Mar-17Sep-16 Dec-16 Sep-17

7,1856,8766,6336,2536,442

Sep-17Dec-16 Jun-17Mar-17Sep-16

~17% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 18%

Rs Crs

Rs Crs

Rs Crs

Rs Crs

26

Advances growing Across Regions

17,092 17,548 18,221 18,689 19,762

13,923 14,054 14,693 15,03415,440

13,413 13,63214,170 13,541

14,515

Jun-17

47,264

Sep-17Mar-17Dec-16

47,08445,23444,428

Sep-16

49,717

South Ex- KeralaRest of India Kerala

Rs Crs

27

Net Interest Income - Quarter

Net Interest Income

503461439418445

Sep-17Mar-17Dec-16Sep-16 Jun-17

Cost of Deposits & Yield on Advances

Net Interest Margin

2.952.802.742.662.75

Sep-16 Jun-17Mar-17 Sep-17Dec-16

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.18 5.97 5.72 5.625.42

8.668.32 8.16 8.14

8.06

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

Cost of Funds Yield on FundsIn %

6.75 6.53 6.33 6.24 6.05

10.59 10.32 9.97 10.06 10.03

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

Cost Of Deposit Yeild on Advances

28

Net Interest Income - Cumulative

Net Interest Income

964

461

1,675

1,236

819

Sep-16 Sep-17Dec-16 Mar-17

+18%

Jun-17

6.86 6.75 6.64 6.24 6.14

10.73 10.59 10.43 10.06 10.05

Sept -16 Dec -16 Mar -17 Jun -17 Sept -17

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.872.802.722.722.75

Sep-16 Mar-17Dec-16 Jun-17 Sep-17

+12 bps

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.32 6.20 6.06 5.62 5.52

8.80 8.63 8.50 8.14

8.10

Sept-16 Dec-16 Mar -17 Jun -17 Sept -17

Cost of Funds Yield on FundsIn %

29

Improving Operating Efficiency

51.0848.53 49.20

44.1942.63

Sept -16 Dec -16 Mar -17 Jun -17 Sept -17

C/I Ratio

Business per Employee Business per Branch

14.114.313.813.513.2

Sep-17Dec-16 Jun-17Mar-17Sep-16

130129120119117

Sep-17Jun-17Dec-16Sep-16 Mar-17

Employee Additions

3 5 -6

279

191

Sept -16 Dec -16 Mar -17 Jun -17 Sept -17

In %

Rs Crs Rs Crs

30

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

26 22 27 30 29

48 4559 54 64

Sep-17

84

Mar-17 Jun-17

86

Dec-16

67

Sep-16

74

94

Total Other Income led by ….

Transaction Fees Technology

Investment Book as on Sept-17

Rs Crs Rs Crs

51

12789 68

57

39110

1825

16

Dec-16

8

Sep-16

9

Mar-17 Sep-17Jun-17

8

5

9

Profit on Sale of InvestmentsForex Other

Profit on Sale of Investments, Forex & Others

Rs Crs

280

219

138

259

146

Mar-17 Jun-17 Sep-17Sep-16 Dec-16

Details Rs. Crs M Duration

HTM 13,742 5.61

AFS 4,822 4.02

HFT 1 0.00

Total 18,564 5.31

31

Break Up of Provisions

Rs Crs Q2-FY 18 Q2-FY 17 Q1-FY 18

For NPA & NPI 120.5 166.4 184.4

For Depreciation on Investments* 277.1 -24.8 26.1

For Standard Assets 13.9 -4.8 -6.9

For Restructured Advances/Sacrifices & FITL -0.2 -12.1 -0.2

For Unhedged Forex Exposure 1.3 3.8 -0.7

Others 41.1 -0.1 21.7

Taxes 2.3 58.5 53.7

Total Provisions 455.9 186.8 278.0

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

32

Non Performing Assets

Net NPA

2.77%2.52%

1.45%

2.54% 2.57%

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

Gross NPA

3.96% 3.98%

2.45%

3.61% 3.57%

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

Net NPA MovementGross NPA Movement

Rs Crs Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

Opening 1,651 1,745 1,787 1,149 1,696

Additions 226 197 1,150 686 252

Deductions 132 155 1,788 140 182

Closing 1,745 1,787 1,149 1,696 1,766

Rs Crs Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

Opening 1,192 1,206 1,116 675 1,183

Additions 135 125 991 580 209

Deductions 121 216 1,432 72 136

Closing 1,206 1,116 675 1,183 1,256

33

Stressed Assets - QoQ

Gross Basis Net Basis

Rs Crs Q1-FY 18 Q2-FY 18 Q1-FY 18 Q2-FY 18

NPA 1,696 1,766 1,183 1,256

Restructured Standard Advance 240 252 240 252

Other Stressed Advances 0 0 0 0

Total Stressed Assets 1,936 2,018 1,423 1,508

Advances 46,992 49,446 46,474 48,931

Stressed Assets as % of Advances 4.12% 4.08% 3.06% 3.08%

We have ‘ZERO’ accounts in our Watchlist of Large Corporate Book

34

Restructured Advances Breakup

Restructured Assets Break-up

761642

309240 252

532653

262261 261

Sep-17Mar-17Sep-16

501571

Jun-17Dec-16

1,2951,293

513

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure – Q2FY18

76%

9%

15%

Infra Roads Construction EPC Others

Rs Crs

35

Restructured Standard Advance

Restructured Standard Asset BookRs Crs

179 14 -

22 - -

39 1 -

Infra Roads

OpeningIncrease in

Existing Balance

Uday – SDLInvestments

Construction EPC

Others

-

-

-

Slippages to NPA

240 15 -Total -

193

22

37

Closing Balance

252

-

-

-

Fresh Addition

-

-

-

3

Decrease in Balance

3

36

Movement in Restructured Accounts

Movement in Restructured Accounts

3

15

Opening

501

Closing

513

Closure Including Write Off

Fresh Addition

Dec in Balance

Upgradation in Standard

Category

Increase in Balance

0 0

0

Shift of focus from Large Corporate

toSMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs

37

Adequate Provisioning

NPA Provisioning

97.7

487.0489.7

100.4

ClosingOpening DeductionsAdditions

Provision Coverage

Ratio – 44.09%

NPAs in the initial period

of recognition require

lower provisioning

Rs Crs

38

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.35%

0.11%

0.86%

0.61%

0.34%

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

Agriculture Slippage

0.34%0.49%

0.90%

0.27%

0.44%

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

0.51%0.39%

0.64%

0.85%0.78%

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

0.64% 0.65%

2.37%3.51%

0.53%

Sept-16 Dec-16 Mar-17 Jun-17 Sept-17

39

Well Capitalized to support Growth

BASEL III

In %

9.5 9.4

10.9 10.8

1.7 1.7

1.5 1.4

10.4

1.4

Sep-17Jun-17Mar-17

12.1

Dec-16

12.4

Sep-16

11.1 11.1

11.7

Tier 2 Tier 1

40

Balance Sheet Overview- Q2 FY18

Rs Crs Q2-FY 18 Q2-FY 17 Y-o-Y (%) Q1-FY 18 Q-o-Q (%)

Capital & Liabilities 75,837 67,054 13.10% 73,195 3.61%

Capital 180 135 33.60% 180 0.05%

Reserves and Surplus 4,797 4,027 19.13% 4,822 -0.52%

Deposits 67,142 60,192 11.55% 65,791 2.05%

Borrowings 2,116 1,499 41.14% 1,147 84.44%

Other Liabilities & Provisions 1,602 1,201 33.34% 1,255 27.64%

Assets 75,837 67,054 13.10% 73,195 3.61%

Cash & Balances with RBI 3,056 2,832 7.92% 3,206 -4.66%

Balances with Banks 532 404 31.53% 321 65.60%

Investments 18,208 15,777 15.41% 18,499 -1.58%

Advances 48,954 43,548 12.42% 46,498 5.28%

Fixed Assets 651 598 8.88% 653 -0.31%

Other Assets 4,435 3,894 13.90% 4,018 10.38%

Business (Advances + Deposits) 1,16,096 1,03,740 11.91% 1,12,289 3.39%

Current Accounts 2,959 2,399 23.36% 3,064 -3.44%

Savings Accounts 13,526 11,299 19.71% 13,522 0.03%

CASA Ratio 24.55% 22.76% 7.89% 25.21% -2.61%

41

Profit & Loss Overview- Q2 FY18

Rs Crs Q2-FY18 Q2-FY 17 Y-o-Y (%) Q1-FY18 Q-o-Q (%)

Net Interest Income 503 445 13.04% 461 9.23%

Other Income 280 146 92.23% 219 27.89%

Total Income 784 591 32.59% 680 15.25%

Operating Expenses 323 294 10.10% 301 7.62%

Operating Profit 460 297 54.79% 379 21.28%

Provisions (Ex-Tax) & Contingencies

454 128 253.51% 224 102.25%

Profit Before Tax 7 169 -96.10% 155 -95.75%

Provision for Tax 2 58 -96.12% 54 -95.77%

Profit After Tax 4 111 -96.09% 101 -95.74%

42

Key Metrics- Quarterly

Particulars FY15 FY16 FY17 FY18

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2Net Interest Margin (NIM)

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%

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%

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%

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%

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%

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%

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%

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

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

Branches

- Kerala 439 440 441 444 447 447 447 449 453 454 455 463 463 463

- South India (Ex-Kerala)

230 232 233 239 242 244 244 245 245 245 245 246 246 246

- Rest of India 132 133 136 139 139 140 140 140 140 140 140 141 142 142

Total Branches 801 805 810 822 828 831 831 834 838 839 840 850 851 851

ATMs

- Kerala 565 587 607 651 670 682 688 698 701 713 718 724 745 756

- South India (Ex-Kerala)

297 313 325 365 378 380 384 387 388 391 393 394 396 393

- Rest of India 156 163 176 184 196 198 200 202 202 202 202 202 203 205

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

43

Next Generation Bank

44

Present across Customer Touch Points

SIB Mirror + Mobile Banking

Point of SaleInternet Banking

ATMs

1,354 ATMs across India

Branches

851 Branches & 52 Extension Counters

Traditional & Alternate Channels

45

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

46

Personal Banking: Technology Banking

Active Internet Users

157 175 192 205

223

Sep-16 Dec-16 Mar-17 Jun-17 Sep-17

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

865839899

785663

Mar-17Sep-16 Dec-16 Jun-17 Sep-17

4,9064,7004,489

3,2933,054

Mar-17Dec-16 Sep-17Sep-16 Jun-17

1,4821,328

1,412

1,175

913

Dec-16Sep-16 Jun-17Mar-17 Sep-17

1,258

1,0261,008

599

350

Jun-17Sep-16 Mar-17Dec-16 Sep-17

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

47

Personal Banking: Debit Cards

3.2

3.3

3.2

3.3

3.5

Sep-16 Dec-16 Mar-17 Jun-17 Sep-17

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

33.833.633.7

27.131.4

Sep-17Jun-17Dec-16 Mar-17Sep-16

In Millions In Millions

Rs Crs

*Transaction volumes and value dropped in

December 2016 quarter owing to large number of

ATM’s being non-operational and volume

restriction due to demonetisation

6,6856,655

5,480

4,028

5,929

Mar-17 Jun-17Sep-16 Dec-16* Sep-17

48

An Inflection Point

49

Moving Towards Vision 2020…

▪ Provides advisory support to bank on the medium and long term strategy for significant growth in retail, agriculture and SME sectors

Appointed International

Finance Corporation

▪ Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank

Entered Memorandum

of Understanding with NSIC

▪ Houses the Bank’s Marketing Dept, Retail Loan Hub and Transaction Banking Dept

Opened Centralized

Marketing & Processing

Centre

....to become Retail Banking Power House

50

About Us

51

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

52

Expansion since FY07

Branch Network

141

122

246

277

463

66

850

~2X

FY17FY07

465

Kerala Others (Rest of India)South Ex-Kerala

ATM Network

724

202

394

84

1,320

FY07

174

51

FY17

~8X

39

53

Performance since FY07

1,675

368

CAGR : 16%

FY17FY07

Net Interest Income

20,158

FY17

112,507

CAGR : 19%

FY07

Business (Advances + Deposits)

393

104

FY07

CAGR : 14%

FY17

Profit After Tax

2.45

3.94

FY17

149bps

FY07

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

54

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

55

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

56

Management Team

Mr. John Thomas, Senior General Manager (Business Development Department)

• Bachelors Degree in Science, MBA 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

• Bachelors Degree in Arts & Masters Degree in Business

Administration 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. Benoy Varghese, Senior General Manager(Country Head – Wholesale Banking)

Mr. Paul V.L., General Manager (Administration)

• Masters Degree in Arts and Post Graduate Diploma in

Personnel Management & JAIIB

Mr. Sanchay Sinha(Country Head – Retail Banking)

• Bachelor’s degree in Arts, Post Graduate Certificate in

Business Management (XLRI)

57

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

• Bachelors Degree in Science & CAIIB - I

Mr. Jimmy Mathew, Company Secretary

• 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

58

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

59

Awards & Recognition

Won National Payments Excellence Awards -2016

Won Finnoviti Award - 2017

Won “IBA Banking Technology Awards”

60

Company Investor Relations Advisors

The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mr. C. P. Gireesh, CFO/Mr. Vijith S, Dy. General Manager cpgireesh@sib.co.invijiths@sib.co.in

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Mr. Shogun Jain/ Ms. Sanghamitra Karakshogun.jain@sgapl.net / sanghamitra.karak@sgapl.net+91 77383 77756 / +91 9833692935www.sgapl.net

For further information, please contact: