Experience Next Generation Banking

Investor PresentationMay - 2016

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

An Introduction

Business Strategy

Performance Matrix

Next Generation Bank

An Inflection Point

Awards & Recognitions

Performance in FY 16

4

Performance in FY 16

5

Performance in FY 16

Rs in Crores FY 15 FY 16 Growth

Business 89,890 97,506 8.47%

EBIDTA 17 41 26%Deposits 51,912 55,721 7.34%

Advances 37,978 41,785 10.02%

NIM 2.70% 2.73% 3bps

PAT 307 333 8.47%

6

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

7

Recent Awards

SIB wins prize in IDRBT Banking Application Contest

SIB wins Master Card Innovation Award

SIB wins ‘Social Banking Excellence Award instituted by ASSOCHAM”

8

An Introduction

9

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

10

Expansion over a Decade

Branch Network

140121

245263

449

56

FY16FY06

440

~2X

834

Kerala South Ex-Kerala Others (Rest of India)

ATM Network

698

202

387

66

1,287

144

40

~9x

FY16FY06

38

11

Performance over a Decade

1,510

310

CAGR : 17%

FY16FY06

Net Interest Income

96,806

15,949

FY06 FY16

CAGR : 20%

Business (Advances + Deposits)

333

51

FY06 FY16

CAGR : 21%

Profit After Tax

3.77

4.99

FY06

122bps

FY16

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

12

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

13

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

14

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)

15

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

16

Business Strategy

17

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

RetailRelationships

SMERelationships

18

...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

Centralize Marketing & Processing

Centre (Kochi)

01 02 03

Retail Hub

• Home Loan• Auto Loan• MSME Loan• LAP

Cluster Branches

19

…by focus on Housing Loans in Retail

2,106 2,241 2,369 2,499 2,614

2,485 2,003 1,655 1,455 1,371

1,5801,540 1,559 1,501 1,564

1,7261,733 1,801 1,998

2,521

926941 858 872

973

834910 1,008 1,057

1,049

10,093

Mar-16

9,382

Dec-15Sep-15

9,250

Jun-15

9,368

Mar-15

9,657

Retail Breakup

Others Service & Traders

LAD* Housing

Gold

Manufacturing

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

Jan to Mar 2016

• Housing Loans Sanctioned : 1,157 Nos.

• Amount of Housing Loans Sanctioned – Rs. 233 cr

Rs Crs

*LAD = Loan against deposits

20

…becoming a Banker of Choice to SMEs

Loan Book by Geography – 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

15.3315.2615.28

13.70

12.50

Dec-15Mar-15 Mar-16Jun-15 Sep-15

Kerala43%

South (Ex-

Kerala)32%

Rest of India25%

Rs Lakhs

21

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 449

South India (Ex-Kerala) 245

Rest of India 140

Total 834

Total Branch Network

Total ATM Network

834822794738688631

FY13FY12FY11

+5.7%

FY16FY14 FY15

1,2871,200

1,000800

663490

+21.3%

FY11 FY16FY15FY13FY12 FY14

*Map for illustration purpose only

22

… and our Experienced Employees

Total Employees: 7,007*

4%

13%

33%28%

22%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

41

75128

Mar-15

7,009

Jun-15 Sep-15

14

Closing

7,007

Mar-16Dec-15

*Employees include full-time officers and clerks.

23

Performance Matrix

24

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

14%

Core Deposit Non-Core Deposit Total Deposit

Mar-16 Mar-16 Mar-16

Mar-15 Mar-15 Mar-1540,694

46,487

11,219

9,234

51,912

55,721

7%

Current Deposit Savings Deposit Total CASA

Mar-16 Mar-16 Mar-16

Mar-15 Mar-15 Mar-15

1,818 8,868

10,476

10,686

12,459

9% 18% 17%

1,983

18%

Rs Crs

Rs Crs

25

Core Deposits Growing...

Breakup of Deposits

11,2589,151 8,630 7,930

2,034 2,157 2,130

8,8689,622 9,915 10,177

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

9,203

10,476

34,059

Sep-15

53,036

Jun-15

52,324

Mar-15

51,912

1,818

Mar-16Dec-15

53,441

1,983

55,721

Others*CurrentSavingsTerm

CASA Deposit

+17%

Mar-16

12,459

10,476

1,983

Mar-15

10,686

8,868

1,818

Term Deposits

34,05929,968

+14%

Mar-16Mar-15

Rs Crs Rs Crs

SavingsCurrent

Rs Crs

*Others includes: Bulk, Certificates of Deposits

26

NRI Deposits Growing…

20.6

22.3 22.8

23.0

22.4

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

CASA NRI Deposits

14,30313,566

12,90412,193

11,393

Mar-16Dec-15Sep-15Jun-15Mar-15

In (%)Rs Crs

27

16,099 38.53%

8,721 20.87%

1,371 3.28%

9,823 23.51%

5,770 13.81%

Corporate Retail Ex Gold Gold

SME Agriculture

Composition of Loan Book

40,215

23,358

16,857

Jun-15

38,820

22,503

16,317

Mar-15

37,978

22,545

15,433

+10%

41,785

+4%

+14%

Mar-16

25,686

16,099

Dec-15

40,601

24,017

16,584

Sep-15

Segment wise Break UpTotal Advances

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

Rs Crs Rs Crs

28

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

8,7217,9277,5957,3657,172

Sep-15 Dec-15 Mar-16Jun-15Mar-15

+22% -45%

2,003

Mar-15

1,655

Jun-15

1,455

Sep-15

1,371

2,485

Mar-16Dec-15

9,8239,0868,7568,2188,811

Mar-16Dec-15Mar-15 Sep-15Jun-15

+11%

5,7705,5495,3524,917

4,077

Dec-15Sep-15 Mar-16Mar-15 Jun-15

+42%

~15% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 21%

Rs Crs

Rs Crs

Rs Crs

Rs Crs

29

Advances growing across Regions

13,741 14,270 14,739 14,983 15,680

12,769 12,682 13,187 13,17813,556

11,89912,289 12,440

12,549

11,444

Mar-16

+14%

41,785

+10%

+6%

+10%

Jun-15

40,601

Mar-15

40,215

Dec-15

38,85137,954

Sep-15

Rest of India South Ex- Kerala Kerala

Rs Crs

30

Net Interest Income - Quarter

Net Interest Income

374407388

340347

Sep-15Mar-15 Jun-15

+8%

Mar-16Dec-15

Cost of Deposits & Yield on Advances

Net Interest Margin

2.632.922.81

2.542.70

Dec-15Sep-15Mar-15 Jun-15 Mar-16*

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.92 7.07 6.71 6.556.38

9.38 9.39 9.28 9.218.78

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

Cost of Funds Yield on FundsIn %

8.05 7.85 7.53 7.38 7.24

11.61 11.49 11.38 11.21

10.56

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

Cost Of Deposit Yeild on Advances

* 13 bps adverse impact on interest reversal

31

Net Interest Income - Cumulative

Net Interest Income

1,510

729

340

1,3661,135

+11%

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

7.99 7.85 7.69 7.58 7.52

11.7411.49 11.43 11.36

11.18

Mar-15 Jun-15 Sept-15 Dec-15 Mar -16

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.732.762.672.542.70

+3 bps

Mar-16Mar-15 Jun-15 Sep-15 Dec-15

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

7.08 7.08 6.89 6.77 6.69

9.559.41 9.33 9.29

9.18

Mar-15 Jun-15 Sept-15 Dec-15 Mar -16

Cost of Funds Yield on FundsIn %

32

Operating Efficiency

52.66

59.28 58.7056.60 56.62

Mar-15 Jun-15 Sept-15 Dec-15 Mar -16

C/I Ratio

Business per Employee Business per Branch

12.011.911.711.510.8

+11%

Dec-15Sep-15Jun-15Mar-15 Mar-16

10810810710799

Dec-15Sep-15Jun-15Mar-15 Mar-16

+9%

Employee Additions

72

128

-14

-75-41

Mar-15 Jun-15 Sept-15 Dec-15 Mar -16

In %

Rs Crs Rs Crs

33

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

22 21 21 23 23

50 52 4452

39

76

Mar-16Dec-15

67

Jun-15

60

Sep-15

72

Mar-15

72

Total Other Income led by ….

Transaction Fees Technology

Investment Book as on Dec-15

Rs Crs Rs Crs

2842 50

30

10

14

2312

22

10

14

15

Jun-15

9

4

Sep-15 Dec-15 Mar-16Mar-15

9

Forex Other Profit on Sale of Investments

Profit on Sale of Investments, Forex & Others

Rs Crs

139153

121104

122

Mar-15 Dec-15 Mar-16

+14%

Sep-15Jun-15

Details Rs. Crs M Duration

HTM 12,036 5.31

AFS 2,676 4.37

HFT 106 6.69

Total 14,818 5.46

34

Break Up of Provisions

Rs Crs Q4-FY 16 Q4-FY 15 Q3-FY16

For NPA & NPI 191.10 59.65 83.85

For Depreciation on Investments 0.50 6.88 12.21

For Standard Assets -37.37 10.64 10.85

For Restructured Advances/Sacrifices & FITL -29.45 46.67 -1.69

For Unhedged Forex Exposure -0.69 3.11 -1.23

Others -7.84 10.79 2.39

Taxes 33.08 10.91 55.04

Total Provisions 149.33 148.65 161.43

35

Non Performing Assets

Net NPA

0.96%1.21%

1.39%

1.80%

2.89%

Mar-15 June-15 Sept-15 Dec-15 Mar-16

Gross NPA

1.71% 1.85%2.24%

2.75%

3.77%

Mar-15 June-15 Sept-15 Dec-15 Mar-16

8451,562

391

1,108

ClosingDeductionsAdditionsOpening Closing

1,185

Deductions

195

Additions

664

Opening

716

Net NPA movement in Q4FY16Gross NPA movement in Q4FY16

Rs Crs Rs Crs

36

Restructured Advances Breakup

Restructured Assets Break-up

186195

313306

443

949

Dec-15

2,236

1,930

Sep-15

2,313

2,000

Jun-15

2,170

1,975

Mar-15

2,068

1,882

Mar-16

1,392

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure – Q4FY16

23%

42%

35%

Power DiscomsConstruction EPCOthers

Rs Crs

*Other includes IT, Bullion, etc.

Government’s Uday Scheme

targeted towards power Discomswill immensely

benefit SIB

Benefits of Udaygetting reflected in Restructured

Book

UDAY Scheme to Benefit

37

Restructured Standard Advance

Rs. 214 Crs of DISCOM Exposure may be restructured under Uday Scheme

Restructured Standard Asset Book

+884 0 -670

+644 +6 -

+402 +16 -

DISCOMS

OpeningIncrease in

Existing BalanceUday – SDLInvestments

Construction EPC

Others

0

-249

-84

Slippages to NPA

+1,930 +22 -670Total -333

+214

+401

+334

Closing Balance

+949

Rs Crs

38

Movement in Restructured Accounts

Movement in Restructured Accounts

751

127

Closing

1,392

Dec. in Balance

Closure including write off

Upgradationto Standard

0

Inc. in Balance

34

Fresh Additions

0

Opening

2,236

Shift of focus from Large Corporate

toSMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs

39

Adequate Provisioning

NPA Provisioning

199.9 214.0

354.6368.8

ClosingOpening Additions Deductions

Provisioning

Coverage Ratio

40.34%

Advances in the Initial

quarters as NPAs :

Requiring

Less Provisioning

Rs Crs

40

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.12%0.19%

0.12% 0.15%

0.86%

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

Agriculture Slippage

0.26% 0.21%0.23%

0.02%

0.23%

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

0.43%

0.55%

0.44%

0.61%

0.27%

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

0.59% 0.60%

0.95% 1.80%

4.42%

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

41

Well Capitalized to support Growth

BASEL III

10.510.0 9.6 9.4 9.8

1.61.4 2.3 2.3

2.0

Mar-15

12.1

Mar-16

11.8

Dec-15

11.7

Sep-15

11.9

Jun-15

11.4

In %

42

Key Performance Highlights- Q4 FY16

Rs Crs Q4 - FY 16 Q4 - FY 15 YOY

Net Interest Income 374.29 347.09 7.84%

Other Income 139.06 121.94 14.04%

Profit After Tax 72.97 16.32 347.12%

Advances 41,785 37,978 10.02%

Deposits 55,721 51,912 7.34%

GNPA 3.77 1.71 120.31%

NNPA 2.89 0.96 200.67%

NIM 2.73 2.70 3bps

CASA 22.36% 20.59% 177bps

43

Balance Sheet Overview- Q4 FY16

Rs Crs Q4-FY 16 Q4-FY 15 Y-o-Y (%) Q3-FY 16 Q-o-Q (%)

Capital & Liabilities 63,175 59,116 6.95% 60,269 4.91%

Capital 135 135 0.01% 135 0.01%

Reserves and Surplus 3,707 3,454 7.30% 3,715 -0.22%

Deposits 55,721 51,912 7.34% 53,441 4.27%

Borrowings 2,315 2,232 5.99% 1,665 42.10%

Other Liabilities & Provisions 1,297 1,382 -6.10% 1,312 -1.12%

Assets 63,175 59,116 6.95% 60,269 4.91%

Cash & Balances with RBI 2,476 2,442 1.42% 2,367 4.61%

Balances with Banks 623 1,154 -41.53% 249 171.29%

Investments 14,619 14,086 3.78% 13,259 10.26%

Advances 41,086 37,392 9.88% 39,909 2.95%

Fixed Assets 487 479 1.66% 485 0.32%

Other Assets 3,884 3,564 8.96% 4,000 -2.90%

Business (Advances + Deposits) 96,806 89,304 8.40% 93,350 3.70%

Current Accounts 1,983 1,818 9.09% 2,130 -6.90%

Savings Accounts 10,476 8,868 18.12% 10,177 2.94%

CASA Ratio 22.36% 20.59% 177 bps 23.03% (67 bps)

44

Profit & Loss Overview- Q4 FY16

Rs Crs Q4-FY 16 Q4-FY 15 Y-o-Y (%) Q3-FY16 Q-o-Q (%)

Net Interest Income 374.29 347.09 7.84% 406.72 -7.97%

Other Income 139.06 121.94 14.04% 153.32 -9.30%

Total Income 513.35 469.03 9.45% 560.04 -8.34%

Operating Expenses 291.05 304.05 -4.27% 296.97 -1.99%

Operating Profit 222.30 164.98 34.74% 263.07 -15.50%

Provisions (Ex-Tax) & Contingencies

116.25 137.74 -15.60% 106.39 9.27%

Profit Before Tax 106.05 27.24 289.35% 156.68 -32.32%

Provision for Tax 33.08 10.91 203.21% 55.05 -39.91%

Exceptional Items - - - - -

Profit After Tax 72.97 16.33 346.92% 101.63 -28.21%

45

Key Metrics- Quarterly

Particulars FY15 FY16

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

Net Interest Margin (NIM) 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6%

CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8%

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

Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3%

CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4%

Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8%

Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9%

Book Value per Share (Rs.) 25.88 26.47 27.10 26.59 27.07 27.76 28.51 28.45

Earnings per Share (Rs.) (Annualized) 3.78 3.01 2.87 2.28 1.93 2.34 2.56 2.47

Branches

- Kerala 439 440 441 444 447 447 447 449

- South India (Ex-Kerala) 230 232 233 239 242 244 244 245

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

Total Branches 801 805 810 822 828 831 831 834

ATMs

- Kerala 565 587 607 651 670 682 688 698

- South India (Ex-Kerala) 297 313 325 365 378 380 384 387

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

Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287

46

Next Generation Bank

47

Present across Customer Touch Points

Mobile Banking Mobile Banking

Point of SaleInternet Banking

ATMs

1,287 ATMs across India

Branches

834 Branches & 42 Extension Counters

Traditional & Alternate Channels

48

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

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Personal Banking: Technology Banking

Active Internet Users

138 135162

133 134

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

591

1,254

536

866

556

Mar-16Jun-15 Sep-15 Dec-15Mar-15

2,5152,385

1,887

2,356

1,887

Mar-15

Dec-15 Mar-16

Sep-15Jun-15

670

507437

342265

Sep-15 Dec-15 Mar-16Jun-15Mar-15

170

124104

74

50

Mar-16Mar-15 Jun-15 Sep-15 Dec-15

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

50

Personal Banking: Debit Cards

2.7 2.5 2.8 3.0

3.3

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

No. of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

30.428.929.226.826.2

Dec-15Sep-15Jun-15Mar-15 Mar-16

5,3755,1645,0474,8064,518

Dec-15Sep-15Jun-15Mar-15 Mar-16

In Millions In Millions

Rs Crs

51

An Inflection Point

52

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

53

Awards & Recognitions

54

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

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Company Investor Relations Advisors

The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mr. C. P. Gireesh, CFOcpgireesh@sib.co.in

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Ms. Payal Dave / Mr. Shogun Jaindpayal@sgapl.net / jshogun@sgapl.net+91 98199 16314 / +91 77383 77756www.sgapl.net

For further information, please contact: