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INVESTOR PRESENTATION
DEC 2011
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South Indian Bank… At A Glance
2
• Number of years in banking business
83 Years
• Number of branches
674• Number of ATM’s
614
• Business as on Dec 2011-2012
` 58884 Cr
• Business Growth (Y – to – Y)
27%• Last 5 years business CAGR
25%
• Net Profit for the period ended Dec 2011-2012
`280 Cr
• Net Profit for the Q3 (2011-2012)
` 102 Cr
• Net Interest Margin (Dec 11)
3.05 %
• Capital Adequacy Ratio (Basel II –Dec 11)
12.03%
• Net Non-Performing Assets (Dec 11)
0.24%
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3
History &
Background
Key Strength
Overview
Future Strategy
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One of the oldest Banks in South India.
First among private sector Banks in Kerala tobecame a SCB in 1946.
Listed in NSE, BSE & CSE- IPO in 1998.
FPO In 2006
Incorporated on January 25, 1929.Head Office: Thrissur, Kerala
First private sector bank to open a NRI branch inNov,1992 & an IFB branch in March 1993
Successful QIP in Sept 2007
First bank among the Pvt sector banks in Kerala toopen an "Overseas Branch“, june,93.
History & Pioneering Initiatives
5
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Shareholding Pattern – as on 31.12.2011
Diversified shareholding & tradition of good corporate governance practices
7
Individuals
39.46%
Corporates7.81%
Fis and Banks
6.60%
FII's
42.25%
Others
3.88%
Individuals
Corporates
Fis and Banks
FII's
Others
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Vision & Mission
8
CORPORATE VISION
MISSION
To emerge as the most preferred bank in the country in terms of brand, values,principles with core competence in fostering customer aspirations, to build highquality assets leveraging on the strong and vibrant technology platform inpursuit of excellence and customer delight and to become a major contributorto the stable economic growth of the nation.
To provide a secure, agile, dynamic and conducive banking environment tocustomers with commitment to values and unshaken confidence, deploying thebest technology, standards, processes and procedures where customerconvenience is of significant importance and to increase the stakeholders’
value.
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Healthy Fundamentals
Adequately Capitalised;
•12.03% CRAR & 9.61% Tier 1 ratio
Asset Quality;
• 0.94% GNPAs & 0.24% NNPAs
•75.18% NPA Coverage ratio
•17.51% ROE, 1.06% ROAA
•Over 85% secured loan book
Strong Growth
• One of the fastest growing banks in
India.
• 25% CAGR in business in last 5 years
•Constant growth in Business &
Profitability
Most advanced technology in all
spheres of banking operations &
delivery channels.
Key Competitive Advantage
• Fast expanding branch network
• High Asset Quality with well diversified
Loan portfolio
• 9% market share in Kerala’s NRI deposit
base.
•Strong boost to Income from high
yielding gold loans forming 26% of the
loan book.
Significant Turnaround
•Benchmarked HR Practices & Introduced
Performance Linked Incentive schemes,ESOP, Annual Performance contest-
Awards.
•Forward looking Human Capital
Management Strategy
•Highly skilled human capital- 46% of
human capital under age 30 withprofessional qualification
Key Strengh
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Spread of Branches
11
Average Branch &
ATM networkgrowth @ 10% (forlast & current FY)
Vast and Rapidly Growing Branch Network
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Rural, 124, 18%
Semi- Urban, 309,
46%
Urban, 142, 21%
Metro, 99, 15%
Rural
Semi- Urban
Urban
Metro
Branch Network – Category wise as in Dec 11
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STATES No: of Branches STATES No: of Branches
KERALA 373 JHARKHAND 2
TAMIL NADU 117 MADHYA PRADESH 2
ANDHRA PRADESH 44 ORISSA 2
KARNATAKA 38 PONDICHERRY 2
MAHARASHTRA 24 RAJASTHAN 2
DELHI 21 ASSAM 2
WEST BENGAL 9 BIHAR 1
UTTAR PRADESH 8 CHANDIGARH 1
GUJARAT 6 JAMMU & KASHMIR 1
HARYANA 4 UTTARANCHAL 1
PUNJAB 4 TRIPURA 1
GOA 4 HIMACHAL PRADESH 1
CHATTISGARH 3 MEGHALAYA 1
State wise distribution of Branches – Category wise as in Dec 11
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14
0
10
20
30
40
50
60
70
FY 07 FY 08 FY 09 FY 10 FY 11 FY 12
25 25
30
50
6160
N u m b e r o f B r a
n c h e s a d d e d
E s t i m a t e d
Network Expansion (Number of branches added)
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N u m b e r o f
B r a n c h e s
475500
530580
641
701
0
100
200
300
400
500
600
700
800
FY 07 FY 08 FY 09 FY 10 FY 11 FY 12
E s t i m a t e d *
* No: of branches as on 31.12.2011 – 674
Branch Network
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N u m b e r o f A
T M s a d d e d
0
20
40
60
80
100
120
140
FY 08 FY 09 FY 10 FY 11 FY 12
5055
93
116
136
E s t i m a t e d
Network Expansion (Number of ATMs added)
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N u m b e r o
f A T M s
225
280
373
489
625
0
100
200
300
400
500
600
700
FY 08 FY 09 FY 10 FY 11 FY 12
E s t i m
a t e d *
* No: of ATM’s as on 31.12.2011 – 614
ATM Network
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Project SIBERTECH- 100% Core Banking Solution (CBS) using FINACLE from Infosys.
Centralized Data Centre with most advanced technological platform in a new state of the art “Green” complied
building at Kochi, Kerala.
Emphasis on IT security & Risk Management - Disaster-recovery site at Bangalore for CBS & Regular IS Audits.
Member of INFINET & 614 On-line ATMs through NFS tie-up with other banks
A host of hi-tech products- International debit & credit cards, high speed & secure Internet & Mobile Banking forretail & corporate clients.
Online Value added services - Stock trading, ticket booking, mobile recharges, shopping, Utility payments, offerings.
SIB FINS Card -A smartcard based FI initiative in association with M/s Coromandel InfoTech India Ltd., Chennai, as thetechnology service provider.
Successfully implemented RTGS & NEFT in all branches.
Successfully launched Smart card at Christ University, Bangalore which works as Access card, Identity card, ATM cardand card for payment of fees in Christ College for around 10000 students.
Best-in-class IT products & solutions in all banking operations like Treasury, Risk Management, AML, CreditProcessing, HR, Audit & KYC.
18
EFFICIENT SERVICE LEVERAGING ON TECHNOLOGY
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RANGE OF PRODUCTS
19
Loan Products Deposit products Other Products
Retail Business LoansHousing Loans/
Mortgages
Auto Loans
Personal Loans
Education Loans
Employee Group Loans
SME Loans
•Savings Bank Accounts
•Current Accounts
•Fixed/ Recurring
Deposits
•Depository Account
• Mutual Funds sales
• Life Insurance sales
• General Insurance sales
• Group Insurance sales
• E-payment
• Cash Management Services
• Online Foreign Inward Remittance• m-Commerce
• New Pension System
•Gold Coins/ingots
Commercial Banking
•Working Capital Loans
•Term Loans
•Wholesale Deposits
•Letters of Credit
•Banks Guarantees
• Bill Finance
RetailBanking
WholesaleBanking
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Particulars March 10 March 11 Dec 11
Number of Business Correspondents (BCs)appointed 0 7 29
Number of villages with population above
2000 provided with banking facility (Rural
branches & BCs)
107 117 154
Number of rural households covered 2.46 Lakh 2.47 Lakh 3.58 Lakh
Number of ‘No-frills’ accounts (including
Students A/c)6.83 Lakh 10.26 Lakh 11.75 Lakh
No-frills accounts - amount 64.06 crore 102.72 crore 119.93 crore
We have been empanelled by UIDAI for opening ‘No-Frills account’ based on AADHAAR
enrollment in 26 districts & 39 villages already allotted for Financial Inclusion.
We have implemented the Smart Card model for FI as per the open standards and as recommended byIBA /IDRBT Technical Committee. Also planning for implementing the Smart Card model for Urban FI.
FINANCIAL INCLUSION
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Life Insurance with LIC
General Insurance with Bajaj Allianz
Mutual funds –All the leading AMCs in India
Sri Lanka's Hatton National Bank (HNB)
• Improve the remittance flow to India and Sri Lanka
More than 30 exchange houses & banks in middle east
• Facilitating fast remittances for more than 2lakh NRI customers, mostly from Gulf countries
Providing managerial support to overseas exchange house - HADI exchange house
21
Strategic Tie Ups
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Best Bank in Asset Quality (Pvt Sect or Bank) Award - Dun & Bradstreet 2011
Best Bank in Priority Sector Lending (Pvt Sect or Bank) Award - Dun & Bradstreet 2011
Technology Excellence Award in 2010 from IRDBT
India’s Best Bank 2010 Award – “Business world – Price Water House CoopersBest Banks Survey 2010”
Best Asian Banking Website - Asian Banking & Finance Magazine, Singapore.
Best Old Pvt Sector Bank - Financial Express India's Best Banks 2008-2009.
Best Pvt Sector bank in the Service quality segment Outlook Money - CFore Survey.
Best Website Award from Kerala Management Association
RECOGNITIONS
22
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Business Performance
NIM
Net profit
Busniess.
23
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Net
Profit
(Upto Dec)
280
211
NetProfit(Q3)
102
75
Business
58884
46186
Advance
25050
19188
Deposit
33834
26998
Net NPA
0.24%
0.39%
GrossNPA
0.94%
1.33%
Dec11
Dec 10
(` in Crores)
25%31%27%33% 36%
Financial Highlights – FY12 (Q3)
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Profitability – FY12 (Q3)
25
• 25%Operating Profit
• 36%Net Profit
Year to Year Growth (Q3)
143
179
75
102
0
20
40
60
80
100
120
140
160
180
200
Q3 (FY 10-11) Q3 (FY 11-12)
Operating Profit
Net Profit
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Profitability – FY12 (Period upto Dec)
26
• 31%Operating Profit
• 33%Net Profit
Year to Year Growth (Period upto Dec)
372
488
211
280
0
100
200
300
400
500
600
Q3 (FY 10-11) Q3 (FY 11-12)
Operating Profit
Net Profit
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RoA coming mainly from Core Income
27
0.88
1.05
0.85
0.940.99
0.98
1.11
0.93
1.04 1.06
0.00
0.20
0.40
0.60
0.80
1.00
1.20
FY-08 FY-09 FY-10 FY-11 FY-12
ROA - Q3*
ROAA - Q3*
*Annualized
Improved Quality of Earnings
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Total Business and Growth
Business grew over 2.4 times at CAGR of 25% in 5 years
(` in Crores)
24,504 27,78235,511
46,18658,884
62,000
78,000
100,000
0
20000
40000
60000
80000
100000
120000
FY-08 FY-09 FY-10 FY-11 FY-12 FY-12 Mar FY-13 Mar FY-14 Mar
P r o j e c t i o n
P r o j e c t i o n
P r o j e c t
i o n
Business Trend for the period upto Dec
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Credit Deposit Ratio
66.75% 66.97%
70.28%69.83%
73.03%
63%
64%
65%
66%
67%
68%
69%70%
71%
72%
73%
74%
FY-08 FY-09 FY-10 FY-11 FY-12
Business Trend for the period upto Dec
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Growth in Deposits
Deposits increased @ 24% CAGR
(` in Crores)
14,484
16,44220,643
26,998
33,834
0
5000
10000
15000
20000
25000
30000
35000
40000
FY-08 FY-09 FY-10 FY-11 FY-12
Deposits
Deposits for the period upto Dec
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Low Cost deposits form 25% of total deposits.
Annual Trend in Low cost depositsComposition of Deposits(` in Crores)(` in Crores)
4023
4966
6058
976 1079 12221183
1019 831416
452459
0
1000
2000
3000
4000
5000
6000
7000
FY-10 FY-11 FY-12
SB Deposit CD Deposit NRE T-Deposit FCNR Dep
Deposits – Composition and Trend
SB Deposit,
6058, 18%
CD Deposit,
1222, 4%
Term
Deposit,
26554, 78%
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Growth in Advances
Advances increased by 31% (Y-to- Y)
32
(` in Crores)
10020
1134014868
19188
25050
0
5000
10000
15000
20000
25000
30000
FY-08 FY-09 FY-10 FY-11 FY-12
Adavance
Advances for the period upto Dec
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Sector Upto 5 Crores Above 5 Crores Total % to total
Agriculture 2226.74 326.78 2553.52 10.19%
MSME 1525.76 625.63 2151.39 8.59%
Large Scale Industries517.72 3833.92 4351.64
17.37%
Housing 1160.65 402.49 1563.14 6.24%
Commercial Real Estate 63.28 0.00 63.28 0.25%
NBFC 56.32 1111.01 1167.33 4.66%
Food Credit 0.00 431.08 431.08 1.72%
LC Bills 0.00 2965.71 2965.71 11.84%
Other 7098.09 2704.82 9802.91 39.13%
Total 12648.56 12401.44 25050.00 100.00%
Advances – Composition (Dec 2011)
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Trend in Cost of Deposits
6.74%
7.15%
7.03%
6.40%
7.77%
0%
1%
2%
3%
4%
5%
6%
7%
8%
9%
FY-08 FY-09 FY-10 FY-11 FY-12
10.70%
11.48%
11.39%
10.69%
12.30%
9.50%
10.00%
10.50%
11.00%
11.50%
12.00%
12.50%
FY-08 FY-09 FY-10 FY-11 FY-12
Trend in Yield on Advances
Trend in Cost & Yield (For the period upto Dec)
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6.40%6.57%
7.60% 7.66%
7.77%
5%
6%
7%
8%
9%
Dec-10 Mar-11 Jun-11 Sep-11 Dec-11
10.69%
10.90%
11.75%
12.11%
12.30%
9.50%
10.00%
10.50%
11.00%
11.50%
12.00%
12.50%
Dec-10 Mar-11 Jun-11 Sep-11 Dec-11
Trend in Cost of Deposits Trend in Yield on Advances
Trend in Cost & Yield (Quarterly)
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SLR & Non SLR Securities Composition of Investment Book
` in Crores
Category Amount Percentage
Held to Maturity 7229.90 86.67%
Held for Trading 98.33 1.18%
Available for Sale 1014.10 12.16%
Total 8342.34 100.00%
35383904
5129
6452
7952
6681177 1102
1570
390
0
1000
2000
3000
4000
5000
6000
7000
8000
9000
FY-08 FY-09 FY-10 FY-11 FY-12
SLR Securities Non-SLR Securities
Investment Portfolio (Dec 2011)
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Mar-11 Jun-11 Sep-11 Dec-11
Total Investment
Portfolio3.67 3.61 3.69 4.07
Total HM
Investment
Portfolio
4.81 4.68 4.61 4.55
Total HFT and
AFS together
InvestmentPortfolio
0.42 0.39 0.39 0.64
Duration of Investments
6.46%
7.04%
5.79%
6.35%
6.84%
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
FY-08 FY-09 FY-10 FY-11 FY-12
Investment Portfolio (Dec -2011)
Yield on Investments
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15.39
14.01
17.35
14.89
12.03
0
2
4
6
8
10
12
14
16
1820
FY-10 FY-11 FY-12
Yearly
Quarterly - Q3
38
The bank has CRAR in excess of the required minimum of 9%
stipulated by RBI.
CRAR – Basel 2
Adequately Capitalized
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Strong Core Capital. Dependence on Capital Instruments low.
12.31%
11.27% 10.86% 10.80%
9.61%
2.58% 2.74% 2.65% 2.68% 2.42%
0%
2%
4%
6%
8%
10%
12%
14%
Dec-10 Mar-11 Jun-11 Sep-11 Dec-11
Tier 1 CRAR Tier 2 CRAR
Strong Core Capital (Tier 1 & Tier 2 CRAR)
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RWA Tier 1 Capital Tier 2 Capital Total Capital
Mar 10 11377 1412 337 1749
Jun 10 11270 1476 326 1802
Sep 10 11861 1551 330 1881
Dec 10 13174 1622 340 1962
Mar 11 14647 1650 401 2051
Jun 11 15152 1645 401 2046Sep 11 15173 1643 408 2051
Dec 11 17069 1640 414 2054
( ` in crores)
Strong Core Capital (Trend)
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Gross Annual income grew over 2.6 times in 5 years at CAGR 27%
Total Income
( ` in crores)
Trend in Expenses
Trend in Income & Expenses (For the period ended Dec)
8571071
1301
1506
2265
0
500
1000
1500
2000
2500
FY08 FY09 FY10 FY11 FY12
Int Exp Staff Exp Other Exp
1043
13341587
1879
2754
0
500
1000
1500
2000
2500
3000
FY08 FY09 FY10 FY11 FY12
Int on Adv Int on Inv Oth Int
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Yield on Funds
8.54%
9.33%
8.98%
8.59%
9.85%
7.50%
8.00%
8.50%
9.00%
9.50%
10.00%
FY-08 FY-09 FY-10 FY-11 FY-12
Cost of Funds
6.05%6.45%
6.35%
5.78%
7.04%
0%
1%
2%
3%
4%
5%
6%
7%
8%
FY-08 FY-09 FY-10 FY-11 FY-12
Trend in Income (For the period ended Dec)
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Particulars Period ended 31/12/2010 Period ended 31/12/2011
Commission, Exchange & Brokerage 25.39 24.89
Profit on sale of investment (Net) 25.12 31.83
Profit on sale of Land, Building & Other assets (Net) -0.01 0.06
Profit on Exchange Transactions (Net) 13.59 19.46
Miscellaneous Income
1. Processing Fees 9.94 11.68
2. Rent Received - -
3. Others (Folio charges, Locker Rent) 62.18 76.65
Total 136.21 164.57
( ` in crores)
Composition of Non-Interest Income
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Net profit grew at CAGR of 27% (Y-Y) in last 5 years.
Net Interest margin (NIM) remains at satisfactory range.
Growth in Net Profit
107145 148
211
280
0
50
100
150
200
250
300
FY-08 FY-09 FY-10 FY-11 FY-12
2.80%
3.03%
3.05%
2.75%
2.80%
2.85%
2.90%
2.95%
3.00%
3.05%
3.10%
FY-10 FY-11 FY-12
Profitability for the period ended Dec
Net Interest Margin
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Return on Average Asset
12.32%
14.76%
13.62%
16.50%17.51%
0%
2%
4%
6%
8%
10%
12%
14%
16%
18%
20%
FY-08 FY-09 FY-10 FY-11 FY-12
0.98%
1.11%
0.93%
1.04%
1.06%
0.80%
0.85%
0.90%
0.95%
1.00%
1.05%
1.10%
1.15%
FY-08 FY-09 FY-10 FY-11 FY-12
Efficiency for the period ended Dec
Return on Equity Return on Average Asset
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(Amount in ̀ )
51.07%
45.68%
50.79%
47.28%45.83%
10%
20%
30%
40%
50%
60%
FY-08 FY-09 FY-10 FY-11 FY-12
1.571.71 1.74
2.48
3.29
0
1
1
2
2
3
3
4
FY-08 FY-09 FY-10 FY-11 FY-12
Efficiency for the period ended Dec
Cost / Income Ratio Earning Per Share (Annualized)
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(` in Lakh)
Profit Per Employee
(` in Lakh)
514570
649
787
956
0
200
400
600
800
1,000
1,200
FY-08 FY-09 FY-10 FY-11 FY-12
3.42
4.234.04
5.39
6.64
0
1
2
3
4
5
6
7
FY-08 FY-09 FY-10 FY-11 FY-12
Productivity (for the period ended Dec)
Average Business Per Employee Profit Per Employee
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(` in Crores) (` in Lakh)
44.27
50.32
55.78
67.10
79.90
0
10
20
30
40
50
60
70
80
90
FY-08 FY-09 FY-10 FY-11 FY-12
51.53
67.83 66.99
81.09
96.91
0
20
40
60
80
100
120
FY-08 FY-09 FY-10 FY-11 FY-12
Productivity (for the period ended Dec)
Average Business Per Branch Operating Profit Per Branch
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2.53%
1.85%
1.46%
1.33%
0.94%
0.49%0.39% 0.39% 0.39%
0.24%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
FY-08 FY-09 FY-10 FY-11 FY-12
Gross NPA Net NPA
76.11%72.97% 74.27%
70.69%
75.18%
0%
10%
20%
30%
40%
50%
60%
70%
80%
FY-08 FY-09 FY-10 FY-11 FY-12
Asset Quality for the period ended Dec
Gross NPA & Net NPA(%) Provision Coverage
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Asset Quality maintained at high level.
Provision coverage comfortable
(Amount in ` crore)
50
Change in Gross NPA &
Net NPA
Year ended
31/03/2010
Period
ended
31/12/2010
Year ended
31/03/2011
Period
ended
31/12/2011
Gross NPA 211 253 230 234
Gross NPA (%) 1.32% 1.33% 1.11% 0.94%
Net NPA 62 74 60 58
Net NPA (%) 0.39% 0.39% 0.29% 0.24%
Asset Quality
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(` in Crore)
ParticularsYear ended
31/03/2010
Year ended
31/03/2011
Period ended
31/12/2010
Period ended
31/12/2011
For NPA advance 34.98 27.74 31.75 7.34
For Depreciation on
Investments
-40.94 9.37 0.38 24.48
For NPA investment 2.14 0.26 0.26 0.00
For standard assets 6.43 21.60 15.65 28.20
For income tax 133.55 152.94 107.92 141.94
For Restructured advances 7.58 -0.05 -0.04 3.34
General Provision 33 20 5 0
Other impaired assets 0.07 0.84 0.34 3.49
Total Provisions and
Contingencies176.81 232.7 161.26 208.79
Break-up of Provision
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PerformanceHighlights
Mar-10 Jun-10 Sep-10 Dec-10
Year
ended
Mar-11
Jun-11 Sep-11 Dec-11
CRAR Basel 2 (%) 15.40% 15.99% 15.86% 14.89% 14.01% 13.51% 13.48% 12.03%
Return on Assets
(Annualised)1.07% 0.91% 1.03% 1.04% 1.05% 1.02% 1.05% 1.06%
NIM (%) 2.80% 2.80% 3.00% 3.00% 3.10% 2.80% 3.00% 3.05%
Gross NPA's 211 223 228 254 230 236 230 234
Net NPA 61 65 67 74 60 63 58 58
Gross NPA (%) 1.32% 1.33% 1.27% 1.33% 1.11% 1.07% 0.99% 0.94%
Net NPA (%) 0.39% 0.39% 0.38% 0.39% 0.29% 0.29% 0.25% 0.24%
Provision Coverage 70.50% 70.70% 70.10% 70.70% 73.64% 73.15% 74.70% 75.18%
CASA 5323 5852 5979 6045 6404 6790 7038 7280
CASA % 23.10% 25.10% 23.90% 22.40% 21.55% 21.47% 21.30% 21.51%
Deposits 23012 23331 25060 26998 29721 31622 33038 33834
Advances 16115 16728 18029 19188 20799 22151 23348 25050
Yield on advances 11.14% 10.77% 10.61% 10.69% 10.90% 11.75% 12.11% 12.30%
(` in Crore)
Performance Highlights
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FUTURE STRATEGY
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Way Forward
54
1
Enhancing income
from distribution of
third party
products
2
Ramping up low
cost as well as
retail liabilities
franchise
3
Enhancing
productivity per
branch/per
employee
54
Key Focus
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Key Focus
Aims to open 60 branches & 120 ATMs this fiscal to boost network & take branch tally to
701 by March 2012.
Aims to increase total business mix to Rs 1.25 lakh crore by March 2015.
Enhancing income from distribution of third party products
Ramping up low cost as well as retail liabilities.
Enhancing productivity per branch/per employee
55
I N
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IMPORTANT NOTICE
56
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 containedin 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 sharesin the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or
commitment Important Notice 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.
56
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THANK YOU
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