	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	1,022	1,281	1,399	1,366	1,510	1,675	1,966	2,020	2,317	2,407	2,240	3,012	3,332	3,486	3,437
Non-Interest Revenue	105	127	152	242	234	353	270	219	488	518	438	171	330	377	-
Total Revenue	1,127	1,408	1,551	1,608	1,743	2,028	2,236	2,238	2,805	2,925	2,677	3,183	3,662	3,863	3,437
Total Operating Expenses	562	759	857	1,192	1,204	1,421	1,420	1,718	2,373	2,882	2,506	1,640	2,194	2,030	1,481
Operating Profit	565	649	693	416	540	607	815	521	432	43	172	1,543	1,468	1,833	1,957
Operating Margin	50.1	46.1	44.7	25.9	30.9	29.9	36.5	23.3	15.4	1.5	6.4	48.5	40.1	47.4	56.9
Profit before Taxes	572	656	729	468	510	600	500	381	150	87	-92	1,108	1,529	1,757	1,957
Income Taxes	171	154	221	161	176	208	165	133	45	25	-137	333	459	454	501
Profit after Tax	402	502	507	307	333	393	335	248	105	62	45	775	1,070	1,303	1,456
PAT Margin	35.7	35.7	32.7	19.1	19.1	19.4	15.0	11.1	3.7	2.1	1.7	24.4	29.2	33.7	42.3
EPS - Basic - ex Extraordinary Items	2.95	3.35	3.15	1.90	2.05	2.40	1.70	1.26	0.53	0.32	0.20	3.40	5.10	4.98	5.56
EPS - Diluted - ex Extraordinary Items	2.92	3.32	3.13	1.89	2.05	2.40	1.70	1.26	0.53	0.32	0.20	3.40	5.09	4.98	5.55
EBIT	565	649	693	416	540	607	815	521	432	43	172	1,543	1,468	1,833	1,957
EBITDA	603	695	744	481	607	672	879	590	510	125	256	1,631	1,558	1,934	2,071
EBITDA Margin	53.5	49.4	48.0	29.9	34.8	33.2	39.3	26.4	18.2	4.3	9.6	51.2	42.6	50.1	60.3

Balance Sheet

Abridged

Understanding Balance Sheet

The South Indian Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	R 2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	5,698	4,336	3,176	2,948	2,775	3,362	3,453	4,200	3,021	5,037	7,408	6,826	7,864	7,924	10,141
Lending & LT Balance with Banks	13,989	-	42	647	388	197	18	373	218	567	196	254	2,158	4,336	-
Property Plant & Equipment - Net	378	396	412	479	487	656	681	709	800	795	811	878	966	1,018	1,043
Total Assets	40,370	49,795	54,986	59,116	63,475	74,312	82,686	92,279	97,033	94,149	1,00,052	1,07,697	1,17,412	1,24,655	1,41,756
Deposits - Total	36,501	44,262	47,491	51,912	55,721	66,117	72,030	80,420	83,034	82,711	89,142	91,650	1,01,919	1,07,522	1,23,341
Long Term Debt	412	493	1,320	630	817	588	2,190	1,970	2,533	2,000	3,294	6,994	3,912	4,300	3,927
Total Liabilities	38,200	46,789	51,616	55,525	59,629	69,464	77,443	86,942	91,556	88,340	94,198	1,01,022	1,08,586	1,14,547	1,30,340
Total Shareholders' Equity	2,170	3,006	3,370	3,592	3,846	4,848	5,243	5,337	5,477	5,809	5,854	6,675	8,826	10,108	11,416
Total Equity	2,170	3,006	3,370	3,592	3,846	4,848	5,243	5,337	5,477	5,809	5,854	6,675	8,826	10,108	11,416
Total Liabilities & Equity	40,370	49,795	54,986	59,116	63,475	74,312	82,686	92,279	97,033	94,149	1,00,052	1,07,697	1,17,412	1,24,655	1,41,756

Cash Flow

Abridged

Understanding Cash Flow Statement

The South Indian Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	509	751	714	650	729	998	1,485	1,271	1,637	1,911	1,813	2,123	1,638	2,224	2,031
Working Capital - Increase/(Decrease)	1,019	1,226	-1,321	516	188	1,566	-2,338	-269	-2,628	6,305	3,177	-9,560	5,292	-4,731	1,790
Net CF from Operating Activities	1,528	1,977	-607	1,166	917	2,564	-853	1,002	-991	8,215	4,990	-7,436	6,930	-2,506	3,821
Capital Expenditures - Net	58	65	66	68	75	122	88	98	81	76	37	109	175	156	139
Net CF from Investing Activities	-1,590	-1,348	-1,850	-173	-1,398	-1,842	-824	-1,175	-1,577	-1,092	-1,741	-386	-1,986	4,434	-5,465
Dividends Paid - Cash - Total	66	79	109	126	98	81	87	87	55	-	-	-	63	78	105
Stock - Issuance/(Retirement) - Net	5	449	3	8	0	634	11	2	0	240	-	-	1,151	0	3
Debt - LT & ST - Issuance/(Retirement) - Total	298	696	1,446	-498	82	-657	2,086	860	1,990	-2,785	-814	3,699	-3,082	388	-373
Net Cash Flow from Financing Activities	237	1,066	1,339	-616	-15	-109	2,010	774	1,936	-2,545	-814	3,699	-2,003	310	-476
Free Cash Flow to Equity	1,768	2,609	773	599	924	1,785	1,144	1,764	918	5,355	4,139	-3,846	3,674	-2,274	3,309
Free Operating CF net dividend	1,403	1,832	-787	969	743	2,359	-1,029	817	-1,129	8,134	4,888	-7,549	6,686	-2,743	3,576
Free Operating CF	1,469	1,911	-677	1,095	841	2,441	-942	904	-1,075	8,134	4,888	-7,549	6,748	-2,665	3,680

Business Segment Analysis

FY End:

Mar 25

The South Indian Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Retail Banking (43.5%)₹ 4,883.01 CrCorporate/ Wholesale Banking (32.5%)₹ 3,646.52 CrTreasury (19.6%)₹ 2,204.18 CrOther Banking Operations (4.4%)₹ 492.58 Cr

Assets

Corporate/ Wholesale Banking (41.3%)₹ 51,541.78 CrRetail Banking (36.2%)₹ 45,153.00 CrTreasury (19.5%)₹ 24,258.96 CrUnallocated (3.0%)₹ 3,684.46 CrOther Banking Operations (0.0%)₹ 16.87 Cr

Regional Segment Analysis

FY End:

Mar 25

The South Indian Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 3,862.89 Cr

Assets

India (100.0%)₹ 1,24,655.07 Cr

Historical Segment Analysis

Track how The South Indian Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

We don't have enough data to show the Capex for The South Indian Bank Ltd..

Frequently Asked Questions

What is the revenue of The South Indian Bank Ltd.?

The latest trailing twelve month revenue of The South Indian Bank Ltd. is ₹ 5,446.14 Cr, reflecting a 1-year growth of 1.34% and a 3-year CAGR of 8.55%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of The South Indian Bank Ltd.?

The latest trailing twelve month net profit (PAT) of The South Indian Bank Ltd. is ₹ 1,455.64 Cr, with a 3-year earnings CAGR of 17.71%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of The South Indian Bank Ltd.?

The trailing twelve month EBITDA of The South Indian Bank Ltd. is approximately ₹ 1,956.51 Cr (based on an operating margin of 35.92%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of The South Indian Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of The South Indian Bank Ltd. is 5.55. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of The South Indian Bank Ltd.?

The debt-to-equity ratio of The South Indian Bank Ltd. stands at 0.34. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of The South Indian Bank Ltd.?

The estimated book value per share of The South Indian Bank Ltd. is 44.12 (derived from a P/B ratio of 1.00 and market price of ₹ 44.22), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of The South Indian Bank Ltd.?

The trailing twelve month operating cash flow of The South Indian Bank Ltd. is ₹ 3,821.20 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does The South Indian Bank Ltd. report consolidated or standalone financials?

The South Indian Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.