Experience Next Generation Banking

Investor Presentation January - 2016

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.

3

Contents

An Introduction

Business Strategy

Performance Matrix

Next Generation Bank

An Inflection Point

Awards & Recognitions

4

An Introduction

5

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

6

Expansion over a Decade

Branch Network

139119

239251

444

49

FY15 FY05

419

~2X

822

Kerala South Ex-Kerala Others (Rest of India)

ATM Network

651

184

365

58

1,200

121

35

~10x

FY15 FY05

28

7

Performance over a Decade

1,366

257

FY05 FY15

CAGR : 18%

Net Interest Income

89,304

13,858

FY15 FY05

CAGR : 20%

Business (Advances + Deposits)

307

9

CAGR : 43%

FY05 FY15

Profit After Tax

1.71

6.64

493bps

FY05 FY15

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

8

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

9

Leadership Team

Mr. Thomas Joseph K, EVP (Administration)

• 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

10

Management Team

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

• Bachelors Degree in Science, MBA and CAIIB

Mr. Murali N A., General Manager (Mumbai Regional Office)

• Masters Degree in Commerce and JAIIB

Mr. Raphael T.J., General Manager (Marketing & Information Technology)

• Bachelors Degree in Commerce, Masters in EXIM,

Diploma in Financial Management and CAIIB

Mr. Paul V.L., General Manager (Personnel & Planning & Development Department)

• Masters Degree in Arts and Post Graduate Diploma in

Personnel Management & JAIIB

• Bachelors Degree in Arts & Masters Degree in Business

Administration and CAIIB

Mr. Anto George T., General Manager (Delhi Regional Office)

• Bachelors Degree in Arts & Post Graduate Diploma in

Computer Application, Certification in RDBMS & Oracle

8i and JAIIB

Mr. Bobby James , General Manager (Inspection & Vigilance)

• Bachelors Degree in Commerce, C.A. (Inter) and JAIIB

Mr. Benoy Varghese, General Manager (Credit Department)

11

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

Ms. Chitra H, Chief Compliance Officer

• Bachelors Degree in Commerce, Associate Member of

Institute of Chartered Accountants of India and Certified

Associate of Indian Institute of Banking & Finance.

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

12

Business Strategy

13

Focus is back 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

Retail Relationships

SME Relationships

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 a Geography and open additional branches

• Improve Branch Profitability

Branch Profitability

Centralize 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

1,915 2,106 2,241 2,369

2,857 2,485 2,003

1,6201,580

1,540 1,559

1,7911,726

1,733 1,801

847926

941 858

803834

910 1,008

2,499

1,655 1,455

1,501

1,998

872

1,057

Sep-15

9,250

Jun-15

9,368

Mar-15

9,657

Dec-14

9,833

Dec-15

9,382

Retail Breakup

Housing

Gold

Manufacturing

Service & Traders

LAD*

Others

Housing: Key Initiatives

• Retail hub in Cochin 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

Oct to Dec 2015

• Housing Loans Sanctioned : 1,068 Nos.

• Amount of Housing Loans Sanctioned – Rs. 199 cr

Rs Crs

*LAD = Loan against deposits

16

…becoming a Banker of Choice to SMEs

Loan Book by Geography – Q3-FY16

• Dedicated DGM 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

15.2615.28

13.70

12.50

10.50

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

Kerala 45%

South (Ex-

Kerala) 33%

Rest of India 22%

Rs Lakhs

17

…with the help of our Branch Network

Branch Location* No of

Branches

Kerala 447

South India (Ex-Kerala) 244

Rest of India 140

Total 831

Total Branch Network

Total ATM Network

831822794738688631

FY13 FY12 FY11

+5.7%

Q3FY16 FY14 FY15

1,2721,200

1,000800

663490

+21.0%

FY11 Q3FY16 FY15 FY13 FY12 FY14

*Map for illustration purpose only

18

… and our Experienced Employees

Total Employees: 7,048*

5%

14%

32% 27%

22%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

72

12875

7,048

Dec-15 Sep-15

14

Jun-15

Mar-15

Dec-14

6,937

Closing

*Employees include full-time officers and clerks.

19

Performance Matrix

20

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

17%

Core Deposit Non-Core Deposit Total Deposit

Dec-15 Dec-15 Dec-15

Dec-14 Dec-14 Dec-14 38,888

45,503

9,571

7,938

48,459

53,441

10%

Current Deposit Savings Deposit Total CASA

Dec-15 Dec-15 Dec-15

Dec-14 Dec-14 Dec-14

1,826 8,598

10,177

10,424

12,307

17% 18% 18%

2,130

17%

Rs Crs

Rs Crs

21

Core Deposits Growing...

Breakup of Deposits

9,579 11,2589,151 8,630 7,930

8,5988,868

9,622 9,915 10,177

28,456

29,968 31,517 32,334 33,204

2,0342,1302,157

53,036 52,324

Mar-15

51,912

48,459

1,826

Dec-14 Jun-15

1,818

Sep-15

53,441

Dec-15

Current Savings Others* Term

CASA Deposit

10,177

2,130

Dec-14

10,424

8,598

1,826

+18%

Dec-15

12,307

Term Deposits

33,20428,456

+17%

Dec-14 Dec-15

Rs Crs Rs Crs

Current Savings

Rs Crs

*Others includes: Bulk, Certificates of Deposits

22

NRI Deposits Growing…

21.5

20.6

22.3

22.8

23.0

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

CASA NRI Deposits

13,56612,904

12,193

11,39310,745

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

+26%

In (%)

As on March 2015 : 71% of Liabilities will be re-priced within 1 year

Rs Crs

23

16,584. 40.85%

7,927 19.53%

1,455 3.58%

9,086 22.38%

5,549 13.67%

Corporate Retail Ex Gold Gold

SME Agriculture

Composition of Loan Book

23,35822,50322,54521,94624,017

16,85716,31715,43315,052

16,584

36,998 38,820

Mar-15

37,978

Dec-14

+10%

Dec-15 Sep-15

40,215 40,601

+9%

Jun-15

+10%

Segment wise Break Up Total Advances

Retail & SMEs (Below Rs. 25 Crs) Corporate (Above Rs 25 Crs)

Rs Crs Rs Crs

24

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SME Agriculture

7,9277,5957,3657,1726,976

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

+14%

Dec-15

1,455

Sep-15

1,655

Jun-15

2,003

Mar-15

2,485

Dec-14

2,857

9,0868,7568,2188,8118,374

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

+9%

5,5495,3524,917

4,0773,739

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

+48%

~15% of the Agriculture & SME

Loans are backed by Additional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 18%

Rs Crs

Rs Crs

Rs Crs

Rs Crs

25

81% of Lending to Investment Grade

Rating wise distribution of Standard Advances

81%

19%

Investment Grade High Yield

37%

36%

8%

10%

9%

SIB-AAA/AA SIB-A SIB-BBB

SIBB<BBB Unrated

Investment Grade – Rating wise Break Up

26

Advances growing across Regions

12,880 13,741 14,270 14,739 14,983

13,542 12,769 12,682 13,187 13,178

10,549 11,444 11,89912,289 12,440

+18% 38,851

40,215

Dec-15 Sep-15 Jun-15

40,601

37,954

Mar-15 Dec-14

36,971

+16%

-3%

Rest of India Kerala South Ex- Kerala

Rs Crs

27

Net Interest Income - Quarter

Net Interest Income

407388340347320

Jun-15 Mar-15 Dec-14 Dec-15 Sep-15

+27%

Cost of Deposits & Yield on Advances

Net Interest Margin

2.922.812.542.70

2.50

+42 bps

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

7.04 6.92 7.07 6.71 6.55

9.32 9.38 9.39 9.28 9.21

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

Cost of Funds Yield on Funds In %

8.00 8.05 7.85 7.53 7.38

11.46 11.61 11.49 11.38 11.21

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

Cost Of Deposit Yeild on Advances

28

Net Interest Income - Cumulative

Net Interest Income

1,135

729

340

1,366

1,019

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

+11%

7.97 7.99 7.85 7.69 7.58

11.79 11.74 11.49 11.43 11.36

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.762.672.702.70 2.54

+6 bps

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

7.16 7.08 7.08 6.89 6.77

9.63 9.55 9.41 9.33 9.29

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

Cost of Funds Yield on Funds In %

29

Operating Efficiency

53.29 52.66

59.28 58.70

56.60

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

C/I Ratio

Business per Employee Business per Branch

11.911.711.510.810.9

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

+9%

10810710799100

Dec-15 Sep-15 Jun-15 Mar-15 Dec-14

+8%

Employee Additions

147

72

128

-14

-75 Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

In %

Rs Crs Rs Crs

30

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

22 22 21 21

4350 52

39

23

44

Sep-15

60

Jun-15

72

Mar-15

72

Dec-14

65

Dec-15

67

Total Other Income led by ….

Technology Transaction Fees

Investment Book as on Dec-15

Rs Crs Rs Crs

79

2842 50

14

1415

10

22

12

Sep-15

4

Jun-15

9 9

Mar-15 Dec-14

9 7

Dec-15

Profit on Sale of Investments Other Forex

Profit on Sale of Investments, Forex & Others

Rs Crs

153

121104

122

160

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

Details Rs. Crs M Duration

HTM 11,367 5.28

AFS 1,859 4.10

HFT 173 6.07

Total 13,399 5.15

31

Break Up of Provisions

Rs Crs Q3- FY 16 Q3- FY 15 Q2-FY16

For NPA & NPI 83.85 51.35 89.13

For Depreciation on Investments 12.21 (3.46) (3.23)

For Standard Assets 10.85 3.69 16.3

For Restructured Advances/Sacrifices & FITL (1.69) 30.39 (37.89)

For Unhedged Forex Exposure (1.23) 3.54 (2.05)

Others 2.39 0.45 5.21

Taxes 55.05 45.53 52.18

Total Provisions 161.43 131.49 119.65

32

Non Performing Assets

Net NPA

1.04% 0.96%

1.21% 1.39%

1.80%

Dec-14 Mar-15 June-15 Sept-15 Dec-15

Gross NPA

1.80% 1.71% 1.85%

2.24%

2.75%

Dec-14 Mar-15 June-15 Sept-15 Dec-15

3671,108

892

151

Closing Deductions Additions Opening Closing

716

Deductions

145

Additions

311

Opening

550

Net NPA movement in Q3FY16 Gross NPA movement in Q3FY16

Rs Crs Rs Crs

33

Restructured Advances Breakup

Restructured Assets Break-up

175186

195313

306

Sep-15

2,313

2,000

Jun-15

2,170

1,975

Mar-15

2,068

1,882

Dec-14

1,938

1,763

Dec-15

2,236

1,930

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure – Q3FY16

46%

33%

21%

Power Discoms Construction EPC Others

Rs Crs

*Other includes IT, Bullion, etc.

Government’s Uday Scheme

targeted towards power Discoms will immensely

benefit SIB

Scheme aims to provide a

permanent resolution to

Discom issues

UDAY Scheme to Benefit

34

Movement in Restructured Accounts

Movement in Restructured Accounts

53

17

10

103

Closing

0

2,236

Dec. in Balance

Closure including write off

Upgradation to Standard

Inc. in Balance

Fresh Additions

2,313

Opening

Shift of focus from Large Corporate

to SMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs

35

Adequate Provisioning

NPA Provisioning

90.1368.8

318.0

39.3

Closing Opening Additions Deductions

Provisioning

Coverage Ratio

50.29%

Advances in the Initial

quarters as NPAs :

Requiring

Less Provisioning

Rs Crs

36

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.14% 0.12%

0.19%

0.12% 0.15%

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

Agriculture Slippage

0.04%

0.26% 0.21% 0.23%

0.02%

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

0.38% 0.43%

0.55%

0.44%

0.61%

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

0.77% 0.59%

0.60% 0.95%

1.80%

Dec-14 Mar-15 Jun-15 Sept-15 Dec-15

Fresh Slippage / Advances ratio is extremely low across Retail, SME & Agriculture

37

Well Capitalized to support Growth

BASEL III

10.010.5

10.0 9.6 9.4

1.41.6

1.4 2.3 2.3

Sep-15

11.9

Jun-15

11.4

Mar-15

12.1

Dec-14

11.4

Dec-15

11.7

CRAR Tier I CRAR Tier II

In %

38

Key Performance Highlights- Q3 FY16

Rs Crs Q3 - FY 16 Q3 - FY 15 YOY

Net Interest Income 406.72 319.91 27.14%

Other Income 153.32 160.34 -4.38%

Profit After Tax 101.63 87.93 15.58%

Advances 40,601 3,6998 9.74%

Deposits 53,441 4,8459 10.28%

GNPA 1,108.01 661.27 67.56%

NNPA 715.98 379.56 88.63%

NIM 2.92% 2.50% 42bps

CASA 23.03% 21.51% 152bps

39

Balance Sheet Overview- Q3 FY16

Rs Crs Q3-FY 16 Q3-FY 15 Y-o-Y (%) Q2-FY16 Q-o-Q (%)

Capital & Liabilities 60,269 55,577 8.44% 60,127 0.24%

Capital 135 135 0.00% 135 0.01%

Reserves and Surplus 3,715 3,524 5.41% 3,613 2.82%

Deposits 53,441 48,459 10.28% 53,036 0.76%

Borrowings 1,665 2,209 -24.61% 2,171 -23.30%

Other Liabilities & Provisions 1,312 1,251 4.93% 1,172 11.98%

Assets 60,269 55,577 8.44% 60,127 0.24%

Cash & Balances with RBI 2,367 2,102 12.60% 2,365 0.08%

Balances with Banks 249 1037 -76.03% 667 -62.72%

Investments 13,259 12,337 7.47% 13,174 0.65%

Advances 39,909 36,394 9.66% 39,556 0.89%

Fixed Assets 485 465 4.42% 481 0.92%

Other Assets 4,000 3,242 23.36% 3,884 2.98%

Business (Advances + Deposits) 93,350 84,853 10.01% 92,592 0.82%

Current Accounts 2,130 1,826 16.65% 2,157 -1.25%

Savings Accounts 10,177 8,598 18.36% 9,915 2.64%

CASA Ratio 23.03% 21.51% 152bps 22.76% (27bps)

40

Profit & Loss Overview- Q3 FY16

Rs Crs Q3-FY 16 Q3-FY 15 Y-o-Y (%) Q2-FY16 Q-o-Q (%)

Net Interest Income 406.72 319.92 27.13% 388 4.82%

Other Income 153.32 160.34 -4.38% 121 26.71%

Total Income 560.04 480.26 16.61% 509 10.03%

Operating Expenses 296.97 260.84 13.85% 297 -0.01%

Operating Profit 263.07 219.42 19.89% 213 23.51%

Provisions (Ex-Tax) & Contingencies

106.39 85.97 23.75% 67 58.79%

Profit Before Tax 156.68 133.45 17.41% 145 8.06%

Provision for Tax 55.05 45.52 20.94% 52 5.87%

Exceptional Items - - - - -

Profit After Tax 101.63 87.93 15.58% 93 9.28%

41

Key Metrics- Quarterly

Particulars FY15 FY16

Q1 Q2 Q3 Q4 Q1 Q2 Q3

Net Interest Margin (NIM) 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9%

CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7%

RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7%

Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3%

CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0%

Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8%

Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8%

Book Value per Share (Rs.) 25.88 26.47 27.10 26.59 27.07 27.76 28.51

Earnings per Share (Rs.) (Annualized) 3.78 3.01 2.87 2.28 1.93 2.34 2.56

Branches

- Kerala 439 440 441 444 447 447 447

- South India (Ex-Kerala) 230 232 233 239 242 244 244

- Rest of India 132 133 136 139 139 140 140

Total Branches 801 805 810 822 828 831 831

ATMs

- Kerala 565 587 607 651 670 682 688

- South India (Ex-Kerala) 297 313 325 365 378 380 384

- Rest of India 156 163 176 184 196 198 200

Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272

42

Next Generation Bank

43

Present across Customer Touch Points

Mobile Banking Mobile Banking

Point of Sale Internet Banking

ATMs

1,272 ATMs across India

Branches

831 Branches across India

Traditional & Alternate Channels

44

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

45

Personal Banking: Technology Banking

Active Internet Users

74

138 135 162

133

Dec-14 Mar-15 Jun-15 Sep-15 Dec-15

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

1,254

536

866

556481

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

1,887

2,356

1,887

1,467

2,385

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

507

437

342

265210

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

124

104

74

5035

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

46

Personal Banking: Debit Cards

2.5 2.7

2.5

2.8 3.0

Dec-14 Mar-15 Jun-15 Sep-15 Dec-15

# of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

28.929.226.826.2

23.6

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

5,1645,0474,8064,518

4,081

Sep-15 Jun-15 Mar-15 Dec-14 Dec-15

In Millions In Millions

Rs Crs

47

An Inflection Point

48

Way Forward

• Focus on retail loan products

• Efficient branches for faster processing of loans

• Continuous training of work force

• 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 clients

• Enhance treasury capabilities & increase bench strength

• Expand PoS & ATM Network

Improve share of

other Income

49

Awards & Recognitions

50

Awards & Recognition

SIB wins 'Best IT Team Award‘ Banking Technology Excellence Award

SIB wins Banking Frontiers Inspiring Work Places Award

SIB wins 'Best Private Sector Bank’ in the ABP News BFSI Awards 2015

51

Company Investor Relations Advisors

The South Indian Bank Ltd. CIN – L65191KL1929PLC001017 Mr. C. P. Gireesh, CFO cpgireesh@sib.co.in www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd. CIN - U74140MH2010PTC204285 Ms. Payal Dave / Mr. Shogun Jain dpayal@sgapl.net / jshogun@sgapl.net +91 98199 16314 / +91 77383 77756 www.sgapl.net

For further information, please contact: