Investor PresentationJanuary - 2019

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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.

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Contents

About Us

Q3 FY19 Highlights

Performance Matrix

Next Generation Bank

Business Strategy

4

Q3 FY19 Highlights

5

Key Quarterly Highlights- Q3 FY19

15%14%

Deposits

77,665

68,109

Q3 FY19

Q3 FY18

Advances

60,064

52,449

Q3 FY19

Q3 FY18

CASA

18,905

16,929

Q3 FY19

Q3 FY18

12%

Rs Crs

PPOP

332

330

Q3 FY19

Q3 FY18

1%

Net Interest Income

Q3 FY19

Q3 FY18

520

509

2%

Q3 FY19

Q3 FY18

Other Income

187

159

18%

6

Business Strategy

7

Our Strategy…• New Retail Banking Department Focus on retail loan & liability/investment

products

• Efficient branches & processing centers for faster processing of loans

• Outbound Sales team

• Continuous training of work force

• Advanced technology for ease of customers

• Invest in Brand Building

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

• Alternate channels for mobilising CASA

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

• Continuous improvement/review of products

Improve CASA

• Granulize loan portfolio to spread out risk

• Cautious approach on large corporate lending

• Special 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 and all digital channels

• Leveraging technology to introduce modern & new-age banking products

• Focus on 3rd Party/Investment products to generate more other income

Improve share of other

Income

8

…Performance in Line with Strategy

INCREASE29.4% YoY

Strengthen Retail base

Rs. 16,857 Crs

Expand Agriculture & SME Base

Rs. 22,095 Crs

Improve CASA

Rs. 18,905 Crs

INCREASE6.1% YoY

INCREASE11.7% YoY

9

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

10

...Increase Retail & SME Business

• Entire Loan underwriting centralised

• 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

11

…by focus on Housing Loans in Retail

3,348 3,571 3,793 4,049 4,318

1,328 1,357 1,440 1,4941,840

2,250 2,4462,809

2,9932,903

3,6713,826

4,3944,660

4,8161,0081,045

1,0961,159

1,200

1,4221,543

1,6681,706

1,780

Dec-17 Mar-17 Dec-18Jun-18 Sep-18

13,027

16,857

13,787

15,20016,061

+29%

Retail Breakup

Manufacturing

Others

LAD*

Service & Traders Gold

Housing

Housing: Key Initiatives

• Retail hub in Kochi to increase focus on housing finance

• Dedicated Officers for marketing Retail Loans

• Marketing initiative through TVCs

• Tailor made products for different segments

October to December 2018

• Mortgage Loans Sanctioned : 2,872 Nos.

• Amount of Mortgage Loans Sanctioned: Rs. 984 Crs

Rs Crs

*LAD = Loan against deposits

12

…becoming a Banker of Choice to SMEs

SME Loan Book by Geography – Q3 FY19

• Dedicated JGM appointed to ensure focus and better coordination with regions• Focused ‘Green Channel’ branches to drive faster loan growth to SMEs• Target to become banker of choice to SMEs thereby getting other business as well – liabilities, vehicle finance• Ongoing training (in-house as well as external)• Entire SME loan processing centralized at Kochi at two centers- Special focus on applications up to Rs. 2.00 Cr

and standardized, uniform risk based approach on Rs. 2.00 Cr to Rs. 25.00 Cr SME Segment.• Underwriting of SME loans through customized software called SME LOS (SME Loan Origination System ) to

ensure speedy, paperless processing with capabilities to integrate with external sources like Finacle, CIBIL, Rating Agencies etc for seamless flow of data.

• Regional Offices freed from processing of loan applications so as to focus on new customer acquisition and marketing

SME Highlights

Average SME Loan / Account

23.50

26.5029.30 30.30 31.33

Dec-17 Sep-18Mar-18 Jun-18 Dec-18

Rs Lakhs

Kerala43%

South (Ex-Kerala)

32%

Rest of India25%

13

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 465

South India (Ex-Kerala) 249

Rest of India 143

Total 857

Total Branch Network

Total ATM Network

794 822 834 850 854 857

9M FY19FY14 FY15 FY17FY16 FY18

+1.5%

1,0001,200 1,287 1,320 1,382 1,407

FY16FY14 FY15 FY17 FY18 9M FY19

+7.1%

*Map for illustration purpose only

14

… and our Experienced Employees

Total Employees: 7,855*

11%

8%

18%

36%

27%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

7,364

7,855

77 332

99 137

Sep-18Jun-18Mar-18Dec-17 Dec-18 Closing

*Full-time officers and clerks.

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Performance Matrix

16

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

10.1%

Core Deposit Non-Core Deposit Total Deposit

Dec-18 Dec-18

Dec-17 Dec-1756,640

62,331

68,109

77,665

14.0%

Current Deposit Savings Deposit Total CASA

Dec-18 Dec-18 Dec-18

Dec-17 Dec-17 Dec-17

3,129 13,799

15,421

16,929

18,905

11.8% 11.7%

3,485

Rs Crs

Rs Crs

33.7%

Dec-18

Dec-1711,469

15,334

11.4%

17

Core Deposits Growing...

Breakup of Deposits

11,435 14,480 13,044 14,025 15,334

3,485

13,79914,084 14,937 15,357

15,420

39,74640,408 41,561

42,49843,426

Dec-17

3,129

Jun-18

2,9463,058

Mar-18

3,031

Sep-18

72,488

Dec-18

68,10972,030

74,91177,665

+14%

Others*Term CurrentSavings

CASA Deposit

13,799 15,420

3,1293,485

Dec-17 Dec-18

18,90516,928

+12%

Term Deposits

39,74643,426

Dec-18Dec-17

+9%

Rs Crs Rs Crs

Current Savings

Rs Crs

*Others includes: Bulk, Certificates of Deposits

18

NRI Deposits Growing…

24.9 23.8

24.7 24.6 24.3

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

CASA NRI Deposits

18,375 18,85519,631

20,42520,981

Mar-18Dec-17 Jun-18 Sep-18 Dec-18

+14%

In (%)Rs Crs

19

Break Up of Non Resident Deposits

Deposit Type (Rs Crs) Q3-FY 18 Q4-FY 18 Q1-FY 19 Q2-FY 19 Q3-FY 19

NRE SB 3,212 3,335 3,628 3,741 3,768

NRO SB 603 618 623 657 712

FCNR (B), RFC & Others 1,598 1,634 1,638 1,652 1,697

Low Cost NRI Deposit (Sub Total)

5,413 5,587 5,889 6,050 6,177

NRE Term Deposit 12,427 12,704 13,180 13,789 14,199

NRO Term Deposit 535 564 562 586 605

Total NRI Deposit 18,375 18,855 19,631 20,425 20,981

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Composition of Loan Book

33,851 34,671 36,188 37,264 38,953

Dec-17 Mar-18 Sep-18Jun-18 Dec-18

+15%

Corporate Advances (Above Rs 25 Crs)

Rs Crs

18,59820,438 19,976 20,149 21,111

Mar-18Dec-17 Sep-18Jun-18 Dec-18

+14%

Retail Advances

Rs Crs

Segment wise Break Up of Total Loan BookRs Crs

21,111 ,35.15%

15,017 , 25.00%

1,840 , 3.06%

14,027 , 23.35%

8,068 , 13.43%

Corporate

Retail Ex Gold

Gold

SME

Agriculture

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Composition of Loan Book

Break up of Loan book

Advances (Rs. Crs)

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

No. of A/C’s

Rs.(in Crs)

No. of A/C’s

Rs. (in Crs)

No. of A/C’s

Rs. (in Crs)

No. of A/C’s

Rs. (in Crs)

No. of A/C’s

Rs. (in Crs)

Less than 5 Crs 7,11,884 20,515 7,15,160 21,816 7,15,520 22,529 7,17,750 23,331 723,279 25,576

5 - 25 Crs 3,763 9,332 3,753 10,147 3,798 10,564 3,898 10,892 4,071 11,321

25 – 100 Crs 890 10,003 1,038 10,539 987 10,455 982 10,449 992 10,790

More than 100 Crs 386 12,599 387 12,607 381 12,616 389 12,741 381 12,377

Total Advances 7,16,883 52,449 7,20,338 55,109 7,20,686 56,164 7,23,019 57,413 728,723 60,064

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Composition of Corporate Loan Book

96.8% of our Large Corporate Standard Advances above Rs. 100 Crs are under Investment Grade

Rs Crs

21.1% 24.7%

Jun-18

31.9%

16.9%17.4%

31.4%

23.2%

6.3%

Dec-17

32.1%

22.7%

30.1%

3.7%

Mar-18

19.3%

24.6%

21.1%

5.0%

25.8%

21.7%

21.1%

9.3%

22.2%

Sep-18

25.4%

13.8%

26.2%

Dec-18

3.2%

AAA AA A BBB <BBB

82.7% of Total Corporate Loan Book is Investment Grade (Rs. 25 Crs and above)

26.0%

28.1%

0.1%

24.1%

21.2%

24.7%

Dec-17

0.0%

26.4%

24.6%

Dec-18

24.4%

27.2%

21.8%

Mar-18

0.0%

27.5%

27.1%

27.0%

Sep-18

28.9%

18.3%

Jun-18

2.0%

32.1%25.4%

22.9%

20.8%

2.1%

17.3%

SIB AAA SIB AA SIB BBBSIB A SIB <BBB

Rs CrsExternal Rating SIB Internal Rating

23

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

11,699 12,43013,760 14,567 15,017

Dec-17 Sep-18Mar-18 Dec-18Jun-18

+28%

1,328 1,357 1,440 1,494

1,840

Dec-17 Mar-18 Dec-18Jun-18 Sep-18

+39%

13,255 12,965 13,137 13,316 14,027

Dec-17 Sep-18Jun-18Mar-18 Dec-18

+6%

7,569 7,919 7,851 7,887 8,068

Dec-18Sep-18Dec-17 Mar-18 Jun-18

+7%

~16% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 14.1% (Y-o-Y)

Rs Crs

Rs Crs

Rs Crs

Rs Crs

24

Advances growing Across Regions

21,576 22,502 22,747 23,368 24,208

15,97516,624 16,771 16,996

17,924

14,89815,983 16,646 17,049

17,932

Dec-17 Mar-18 Dec-18

52,449

Jun-18

60,064

Sep-18

56,16455,10957,413

+15%

Rest of India South Ex- Kerala Kerala

Rs Crs

25

Net Interest Income - Quarter

Net Interest Income

509 492 494 506 520

Dec-17 Jun-18Mar-18 Dec-18Sep-18

Cost of Deposits & Yield on Advances

Net Interest Margin

2.88 2.73 2.60 2.61 2.66

Dec-17 Mar-18 Sep-18Jun-18 Dec-18

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

5.40 5.40 5.58 5.57 5.59

7.97 7.83 7.95 7.94 7.97

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Cost of Funds Yield on FundsIn %

6.01 6.04 6.06 6.08 6.16

9.88 9.61 9.50 9.50 9.64

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Cost Of Deposit Yield on Advances

26

Net Interest Income - Cumulative

Net Interest Income

461

964

1,473

1,966

494

1,001

1,520

Jun-17 Sep-18Sep-17 Mar-18Dec-17 Jun-18 Dec-18

6.10 6.08 6.06 6.07 6.10

9.99 9.89 9.50 9.50 9.55

Dec -17 Mar -18 Jun -18 Sept -18 Dec -18

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.87 2.842.60 2.60 2.62

Dec-18Sep-18Dec-17 Mar-18 Jun-18

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

5.46 5.44 5.58 5.56 5.57

8.04 7.97 7.95 7.93 7.94

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Cost of Funds Yield on FundsIn %

27

Improving Operating Efficiency

45.1247.17

57.8855.58 54.68

Dec -17 Mar -18 Jun -18 Sept -18 Dec -18

C/I Ratio

Business per Employee Business per Branch

14.5 14.9 15.7 15.7 15.5

Sep-18Dec-17 Mar-18 Jun-18 Dec-18

132 134147 148 149

Sep-18Dec-17 Mar-18 Jun-18 Dec-18

Employee Additions

-83

-77

332

99

137

Dec -17 Mar -18 Jun -18 Sept -18 Dec -18

In %

Rs Crs Rs Crs

28

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

31 31 32 35 37

67 69 59 6071

Jun-18

98

Mar-18

100

Dec-17 Dec-18Sep-18

91 95108

Total Other Income led by ….

Transaction Fees Technology

Investment Book as on Dec-18

Rs Crs Rs Crs

11 13 16 1327

4355

30 39

43

11

911

10

Dec-18Mar-18

7

Dec-17 Sep-18Jun-18

Forex Other Profit on Sale of Investments

Profit on Sale of Investments, Forex & Others

Rs Crs

159179

146158

187

Jun-18Dec-17 Mar-18 Sep-18 Dec-18

Details Rs. Crs M Duration

HTM 14,936 5.38

AFS 3,988 2.38

HFT 1 -

Total 18,926 4.97

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Break Up of Provisions

Rs Crs Q3-FY 19 Q3-FY 18 Q2-FY 19

For NPA & NPI 189.4 229.78 133.2

For Depreciation on Investments -7.3 4.51 40.5

For Standard Assets 10.1 6.54 6.4

For Restructured Advances/Sacrifices & FITL 0.0 -0.30 -1.0

For Unhedged Forex Exposure -0.1 0.49 0.2

Others 11.1 -86.74 25.5

Taxes 45.0 60.87 35.0

Total Provisions 248.1 215.2 239.7

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Non Performing Assets

Net NPA

2.35%2.60%

3.27% 3.16% 3.54%

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Gross NPA

3.40% 3.59%

4.54% 4.61% 4.88%

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Net NPA MovementGross NPA Movement

Rs Crs Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Opening 1,766 1,775 1,980 2,552 2,646

Additions 258 614 609 213 659*

Deductions 249 408 37 119 375

Closing 1,775 1,980 2,552 2,646 2,930

Rs Crs Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Opening 1,256 1,211 1,416 1,814 1,785

Additions 89 510 505 165 555

Deductions 134 305 107 194 240

Closing 1,211 1,416 1,814 1,785 2,100

*Break up of Rs. 659 Crs as below:• Corporate Slippage - Rs. 503 Crs• MSME Slippage - Rs. 119 Crs• Retail Slippage - Rs. 34 Crs• Agri Slippage - Rs. 3 Crs

Corporate slippages of Rs. 503 Crsconsist of • Rs. 400 Crs –1 Large

Infrastructure Conglomerate• Rs. 103 Crs – 1 EPC Contractor

31

Stressed Assets - QoQ

Gross Basis Net Basis

Rs Crs Q2-FY 19 Q3-FY 19 Q2-FY 19 Q3-FY 19

NPA 2,646 2,930 1,785 2,100

Restructured Standard Advance 22 200 22 200

Other Stressed Advances 104 0 94 0

Total Stressed Assets 2,772 3,130 1,901 2,300

Advances 57,413 60,064 56,572 59,256

Stressed Assets as % of Advances 4.83% 5.21% 3.36% 3.88%

32

Restructured Advances Breakup

Restructured Assets Break-up

248

57

20 22

200

Dec-17 Sep-18Mar-18 Jun-18 Dec-18

Restructured Standard Advance

Sector Standard Restructure – Q3FY19

10.5%

89.5%

Construction EPC

Others (on Account of Kerala Floods)

Security Receipts Outstanding as on 31.12.2018

Book Value Provision NAV

1,286 267 1,019

Rs Crs

Rs Crs

33

Restructured Standard Advance

Restructured Standard Asset BookRs Crs

- - -

22 - -

- - -

Infra Roads

OpeningUpgradation from NPA to

Std. Rest.

Uday – SDLInvestments

Construction EPC

Others

-

-

-

Slippages to NPA

22 - -Total -

-

21

179

Closing Balance

200

-

-

179

Fresh Addition

179

-

1

-

Decrease in Balance

1

34

Credit Provisioning

NPA Provisioning

836804

159

191

Opening Additions ClosingDeductions

Provision Coverage

Ratio : 41.17%

Rs Crs

35

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.38%

0.18%

0.40% 0.42%

0.20%

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

Agriculture Slippage

0.18%

0.71%

0.14% 0.22%

0.04%

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

0.00%

2.36%1.54%

0.09%

2.38%

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

0.18%0.30%

1.72%

0.76% 0.80%

Dec-17 Mar-18 Jun-18 Sept-18 Dec-18

36

Capital Composition

BASEL III

In %

10.1 10.4 10.1 10.0 9.7

2.4 2.32.1 2.1

2.1

12.1

Dec-18Dec-17

12.7

Mar-18

12.5

Jun-18 Sep-18

12.211.8

Tier 2 Tier 1

37

Profit & Loss Overview- Q3 FY19

Rs Crs Q3-FY19 Q3-FY 18 Y-o-Y (%) Q2-FY 19 Q-o-Q (%0

Net Interest Income 520 509 2.0% 506 2.6%

Other Income 187 159 17.6% 158 18.3%

Total Income 706 668 5.7% 664 6.3%

Operating Expenses 374 338 10.7% 355 5.6%

Operating Profit 332 330 0.6% 310 7.2%

Provisions (Ex-Tax) & Contingencies

203 154 31.7% 205 -0.8%

Reported Profit Before Tax 129 176 -26.7% 105 22.6%

Provision for Tax 45 61 -26.0% 35 28.8%

Profit After Tax 84 115 -27.1% 70 19.6%

38

Next Generation Bank

39

Present across Customer Touch Points

SIB Mirror + Mobile Banking

Point of SaleInternet Banking

ATMs

1,407 ATMs across India

Branches

857 Branches & 53 Extension Counters

Traditional & Alternate Channels

40

Technology Initiatives

Mirror + is an all in one stop for your mobile banking needs, with additional features as IMPS (24/7) fund transfer, NEFT fund transfers, and full access to account information, and much more

SIBerNet is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers with added security like OTP, FRM Solution.

Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers.Instant account opening facility through Quick Account Opening, TAB Account Opening supported by e-KYC.

SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions

Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools

41

Personal Banking: Technology Banking

Active Internet Users

260 303 313 332 354

Dec-17 Mar-18 Jun-18 Sep-18 Dec-18

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

885954 948 962 929

Dec-17 Sep-18Mar-18 Jun-18 Dec-18

5,5946,075 6,185 6,451

6,989

Mar-18Dec-17 Sep-18Jun-18 Dec-18

1,961 2,2422,682

3,632

5,549

Dec-17 Mar-18 Jun-18 Sep-18 Dec-18

1,5481,875

2,2572,657

3,401

Dec-18Sep-18Mar-18Dec-17 Jun-18

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

42

Personal Banking: Debit Cards

3.6

3.8 3.9 4.0

4.3

Dec-17 Mar-18 Jun-18 Sep-18 Dec-18

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

36.7 37.2 36.8 37.6 38.1

Dec-18Mar-18Dec-17 Jun-18 Sep-18

In Millions In Millions

Rs Crs6,949 7,090 7,512 7,573 7,761

Dec-18Dec-17 Mar-18 Jun-18 Sep-18

43

About Us

44

Milestones

FIRST among the private sector banks in Kerala to

become a scheduled bank in 1946 under the RBI Act

FIRST bank in the private sector in India to open a

Currency Chest on behalf of the RBI in April 1992

FIRST private sector bank to open a NRI branch in

November 1992

FIRST bank in the private sector to start Industrial Finance

Branch in March 1993

FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater

exclusively to the export and import business in June 1993

FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to

the in-house partial automation solution operational since 1992

The FIRST Kerala based bank to implement Core Banking System

45

Expansion since FY08

Branch Network

71143

133

249

286

465

9MFY19FY08

490

857

+75%

Kerala South Ex-Kerala Others (Rest of India)

ATM Network

202

403

115

802

5058

FY08 9MFY19

223

1,407

+531%

46

Performance since FY08

1,966

376

FY18FY08

CAGR: +18%

Net Interest Income

25,610

127,139

FY08 FY18

CAGR: +17%

Business (Advances + Deposits)

335

152

CAGR: +8%

FY18FY08

Profit After Tax

3.59

1.78

181bps

FY18FY08

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

47

Leadership Team

Mr. V. G Mathew , MD & CEO

▪ Post Graduate in Physics and CAIIB with over 37 years of experience

▪ Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014

▪ Significant experience in Retail & Corporate Credit, Technology and Risk Management

▪ Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB

▪ The major assignments handled by Mr. Mathew in SBI are

▪ Dy. General Manager (IT Networking Project)

▪ Dy. General Manager and Branch Head, (Overseas Branch, Bangalore)

▪ General Manager, (Corporate Accounts Group-Mumbai Branch)

▪ Chief General Manager (Risk Management)

▪ Chief General Manager (Corporate Accounts Group)

▪ He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee,

Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie

Infrastructure Trustee (P) Limited

48

Leadership Team

Mr. Thomas Joseph K, EVP (Operations)

• Bachelors Degree in Engineering and Diploma in Management & CAIIB

• He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance

• He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors

Mr. G Sivakumar, EVP (Credit)

• Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB

• He heads Credit and Legal Departments

• He has over 35 Years of Experience in Domestic and International Banking in India and Abroad

• Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was

responsible for Private Equity and Venture Capital Investments made by the Bank

• He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than

ten Alternative Investment Funds

Mr. K N Reghunathan, EVP (Treasury)

• Commerce Graduate & CAIIB

• He is responsible for Treasury Operations of the Bank along with International Banking Division

• Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International

Banking Division.

• He was the Bank’s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee

of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India

Advantage Fund I & II

49

Management Team

Mr. John Thomas(Country Head – Business Development)

• 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

Mr. Anto George T, General Manager (Head of Inspection & Vigilance Department and Chief of Internal Vigilance)

• Bachelors Degree in Arts & Post Graduate Diploma in

Computer Application and MBA in HR Management

• Certification in RDBMS & Oracle 8i and JAIIB

• Bachelors Degree in Arts & Masters Degree in Business

Administration and CAIIB

Mr. Benoy Varghese (Country Head – Wholesale Banking)

Mr. Sanchay Kumar Sinha (Country Head – Retail Banking)

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

Business Management (XLRI)

Mr. Shelly Joseph, General Manager

• Masters Degree in Commerce & CAIIB

50

Management Team

Mrs. Chithra H, Chief Financial Officer

• Bachelors Degree in Commerce

• Associate member of the Institute of Chartered

Accountants of India

• Certified Associate of the Indian Institute of Banking &

Finance

Mr. Sibi P M, Chief Compliance Officer

• Bachelor of Technology

• Certified Associate of Indian Institute of Banking &

Finance

• FRM and GARP

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

Mr. Reddy N J, General Manager

• Masters Degree in Commerce & LLB

51

Award Wins during FY19

Best MSME Bank-Runner UpSouth Indian Bank has received the award for Best MSME Bank-Runner Up, instituted by Chamber of Indian

Micro, Small & Medium Enterprises.

Photo Caption- Mr. John Thomas, Country Head (Business Development) received the award on behalf of South Indian Bank from Shri. Giriraj Singh, Minister of State in charge, Micro, Small & Medium Enterprises in presence of Mr. Mukesh Mohan

Gupta, President, Chamber of Indian Micro Small & Medium Enterprises (CIMSME) and Mr. Satheesh Kumar K S (JGM & Regional Head, Delhi), South Indian Bank.

52

Award Wins during FY19

CSR Award for Banks & NBFCsSouth Indian Bank has received the CSR Award for Banks & NBFCs under Education Sector instituted by

Kerala Management Association (KMA). South Indian Bank has won the CSR Award for the contribution to higher education sector through "SIB SCHOLAR", Bank's own scholarship scheme for academically brilliant

but financially challenged students for pursuing higher education.

Photo Caption- Shri. Raphael T.J (Senior General Manager & CIO) received the award on behalf of South Indian Bank from Shri. Kochouseph Chittilappilly (Chairman & CEO, V-Guard Industries Ltd.) in the presence of Dr. George Sleeba (Executive

Director, K. Chittilappilly Foundation), Mr. Jose Dominic (MD & CEO, CGH Earth Group), Mr. V. George Antony (Non Executive Vice Chairman, UAE Exchange & Financial Services Ltd.) and Mr. Vivek Krishna Govind (President, KMA & Senior Partner,

Varma & Varma Chartered Accountants).

53

Company Investor Relations Advisors

The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Ms. Chithra H, CFOMr. Vijith S, Dy. General Manager chithra@sib.co.in vijiths@sib.co.in

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Mr. Shogun Jain / Mr. Sagar Shroffshogun.jain@sgapl.net / sagar.shroff@sgapl.net+91 77383 77756 / +91 98205 19303

www.sgapl.net

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