The South Indian Bank Ltd.

Financial

	South Indian Bank	Karnataka Bank	Equitas Small Fin.
Operational Metrics
Banking Sector
Net Interest Margin	3.21 %	2.98 %	7.13 %
Yield On Advances	9.02 %	9.43 %	16.3 %
Gross NPA	3.2 %	3.08 %	2.89 %
Net NPA	0.92 %	1.31 %	0.98 %
CASA Ratio	31.37 %	31.75 %	29.0 %
CASA vs Liabilities	27.06 %	27.51 %	23.66 %
Credit Deposit Ratio	79.68 %	74.38 %	84.0 %
Cost To Income Ratio	52.6 %	60.1 %	70.28 %
Fresh Slippages - Quarterly	213.0 Crs	254.92 Crs	295.31 Crs
Capital to Risks Assets Ratio (CRAR)	19.31 %	19.9 %	20.6 %
Tier 2 Capital	1.33 %	1.5 %	2.76 %
Tier I Capital	17.98 %	18.4 %	17.84 %
NBFC
Cost of Borrowing	4.96 %	5.83 %	7.54 %
Financials
5 yr Average ROE	8.99 %	11.0 %	11.25 %
5yr average Equity Multiplier	15.51	12.5	7.01
5yr Average Asset Turnover Ratio	0.08	0.08	0.15
5yr Avg Net Profit Margin	6.93 %	9.39 %	10.11 %
5yr Avg Net Profit Margin	6.93 %	9.39 %	10.11 %
5yr CAGR Net Profit	88.63 %	24.79 %	26.81 %
5yr CAGR Sales	5.85 %	4.45 %	16.51 %
5 yr CAGR PPOP	8.41 %	5.48 %	18.18 %
Price to Book	0.77	0.64	1.27
P/E	5.98	6.1	52.39
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-74.59 %
Change in Mutual Fund Holding (3 Yrs)	8.28 %	8.31 %	23.09 %

Business

	South Indian Bank	Karnataka Bank	Equitas Small Fin.
Segment Break-Up	Segment Break-Up Consumer Finance 42.38 Corporate Banking 35.42 Treasury Operations 18.13 Retail Banking 0 Corporate/Wholesale Banking 0 Other Banking Business 0 Others 4.07	Segment Break-Up Consumer Finance 0 Corporate Banking 30.09 Other Banking Business 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 48.09 Others 21.82	Segment Break-Up Consumer Finance 0 Corporate Banking 0.85 Other Banking Business 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 85.19 Others 13.96
Loan Break-Up	Loan Break-Up Corporate 41.0 Personal Loans 26.0 Agricultural 19.0 SME 14.0 Gold 0 Personal Loans - Others 0 Infrastructure Loan 0 Commercial Real estate 0 Housing Loan 0 0 Trade and Business 0 Professional and self employed 0 Industry Others 0 Iron & Steel 0 Textiles 0 Automobiles 0 Agriculture and allied activities 0 Housing Finance 0 NBFC Finance 0 Corporate Loans 0 MSE Finance (Working Capital) 0 Micro Finance 0 Vehicle Finance 0 0	Loan Break-Up Professional and self employed 0 MSE Finance (Working Capital) 0 NBFC Finance 0 Corporate 0 Trade and Business 0 Automobiles 0 Housing Finance 0 Personal Loans 0 Textiles 0 Corporate Loans 0 Gold 0 Infrastructure Loan 0 Commercial Real estate 0 Iron & Steel 0 SME 0 Agricultural 13.83 Vehicle Finance 0 Agricultural 0 Personal Loan 21.61 0 Others 10.01 0 Micro Finance 0 Housing Loan 0 Others 54.55	Loan Break-Up Professional and self employed 0 Small & Medium Enterprises (SME) loans 4.45 NBFC Finance 1.38 Corporate 0 Trade and Business 0 Automobiles 0 Housing Finance 12.55 Personal Loans 0 Textiles 0 Corporate Loans 0 Gold 0 Infrastructure Loan 0 Commercial Real estate 0 Iron & Steel 0 SME 0 Agriculture and allied activities 0 Auto Loans 24.89 Agricultural 0 Personal Loans - Others 0 Small & Medium Enterprises (SME) loans 43.13 Industry Others 0 0 Small & Medium Enterprises (SME) loans 11.92 Housing Loan 0 Others 1.68
Location Wise Break-Up	Location Wise Break-Up Kerala 52.53 South India 29.75 Rest of India 17.72 Rest of the World 0 India 0 International 0 Domestic 0	Location Wise Break-Up Rest of India 0 South India 0 India 100.0 Domestic 0 Rest of the World 0 Kerala 0 International 0	Location Wise Break-Up Rest of India 0 South India 0 India 0 Domestic 100.0 Rest of the World 0 Kerala 0 International 0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 40.13 Wholesale Banking 30.33 Treasury 29.54 Corporate / Wholesale Banking 0 Other Banking Business 0 Corporate/Wholesale Banking 0	Operating Profit Break-Up Corporate/Wholesale Banking 0 Other Banking Business 0 Treasury 13.62 Wholesale Banking 0 Retail Banking 56.43 Corporate / Wholesale Banking 29.95	Operating Profit Break-Up Corporate/Wholesale Banking 0 Other Banking Business 0 Treasury 69.0 Wholesale Banking 0 Retail Banking 20.86 Corporate / Wholesale Banking 0 Others 10.14
Borrowings Break-Up	Borrowings Break-Up Other Institutions and Agencies 92.61 Borrowings outside India 5.04 Reserve Bank of India 2.34 Subordinated Debts for Tier II Capital 0 0 0 Other institutions and agencies 0 Other banks 0 Others 0.01	Borrowings Break-Up 0 Other banks 0 Borrowings outside India 0 Other institutions and agencies 0 Subordinated Debt 6.82 Other Institutions and Agencies 0 0 Reserve Bank of India 45.43 Others 47.75	Borrowings Break-Up 0 Other banks 0 Borrowings outside India 0 Other Institutions & Agencies 100.0 Subordinated Debts for Tier II Capital 0 Other Institutions and Agencies 0 0 Reserve Bank of India 0
NPA Break-Up	NPA Break-Up Trading 30.55 Agricultural 19.38 Personal Loan 12.8 Others 8.45 Professional Services 7.54 Textiles 6.23 Home loans 4.35 Basic Metal 2.33 INFRA 2.26 NBFC 0.14 Industry 0 Services 0 Personal and Other Loans 0 Housing 0 Micro, Small and Medium Enterprises 0 Agriculture 0 Others 5.97	NPA Break-Up Agricultural 0 Personal Loan 0 Services 37.37 Professional Services 0 Others 0 Basic Metal 0 Industrial & Commercial 19.67 Micro, Small and Medium Enterprises 0 Agriculture 0 Housing 0 Home loans 0 NBFC 0 Trading 0 Textiles 0 Personal Loan 14.84 INFRA 0 Others 28.12	NPA Break-Up Agricultural 0 Personal Loan 0 Services 0 Professional Services 0 Others 0 Basic Metal 0 Industry 0 Micro, Small and Medium Enterprises 0 Agricultural 23.19 Housing 23.59 Home loans 0 NBFC 0 Trading 0 Textiles 0 Personal and Other Loans 0 INFRA 0 Others 53.22
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 61.04 Priority Sector 38.96 Priority Sector 0 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority sector 0 Non-priority sector 0 Priority Sector 37.87 Non Priority Sector 62.13	Priority vs Non-Priority Sector Priority Sector 68.23 Non Priority Sector 31.77 Priority Sector 0 Non Priority Sector 0
MSME Loan Break-Up	MSME Loan Break-Up Kerala 40.0 South ex Kerala 38.0 Others 22.0	-	-

The South Indian Bank Ltd.

The South Indian Bank Ltd.

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