The South Indian Bank Limited (BOM:532218)

The South Indian Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	75,703	94,133	86,128	72,332	65,865	73,054
Interest Paid on Deposits	60,089	59,277	52,808	42,211	43,468	48,985
Net Interest Income	34,524	34,856	33,321	30,121	22,398	24,069
Net Interest Income Growth (YoY)	1.84%	4.61%	10.62%	34.48%	-6.94%	3.86%
Gain (Loss) on Sale of Assets	-	-23.41	-1	-1.22	1.48	3.08
Gain (Loss) on Sale of Investments	-	2,219	3,176	-3,645	661.65	4,195
Other Non-Interest Income	20,131	15,934	11,970	11,760	9,676	7,656
Total Non-Interest Income	20,131	18,130	15,145	8,114	10,339	11,855
Non-Interest Income Growth (YoY)	27.81%	19.71%	86.66%	-21.52%	-12.79%	13.36%
Revenues Before Loan Losses	54,656	52,986	48,466	38,235	32,737	35,924
Provision for Loan Losses	6,395	5,132	3,390	3,992	13,395	15,313
Revenue	48,261	47,855	45,076	34,243	19,342	20,611
Revenue Growth (YoY)	2.43%	6.16%	31.64%	77.04%	-6.16%	10.39%
Salaries and Employee Benefits	16,705	16,658	17,027	13,079	11,981	12,288
Occupancy Expenses	-	2,700	2,440	2,263	2,128	2,579
Selling, General & Administrative	53.5	2,456	2,305	1,866	1,353	771.85
Other Non-Interest Expense	13,544	8,416	7,990	5,949	4,799	4,111
Total Non-Interest Expense	30,303	30,284	29,788	23,158	20,263	19,745
EBT Excluding Unusual Items	17,958	17,571	15,289	11,084	-921.62	866.61
Pretax Income	17,958	17,571	15,289	11,084	-921.62	866.61
Income Tax Expense	4,644	4,540	4,587	3,331	-1,370	247.5
Net Income	13,314	13,031	10,702	7,753	448.08	619.11
Net Income to Common	13,314	13,031	10,702	7,753	448.08	619.11
Net Income Growth	14.63%	21.76%	38.04%	1630.29%	-27.63%	-40.81%
Basic Shares Outstanding	2,615	2,616	2,100	2,093	2,093	1,806
Diluted Shares Outstanding	2,615	2,617	2,102	2,093	2,093	1,806
Shares Change (YoY)	18.78%	24.52%	0.44%	-	15.91%	-0.23%
EPS (Basic)	5.09	4.98	5.10	3.70	0.21	0.34
EPS (Diluted)	5.09	4.98	5.09	3.70	0.21	0.34
EPS Growth	-3.50%	-2.16%	37.39%	1664.17%	-38.23%	-41.17%
Dividend Per Share	-	0.400	0.300	0.300	-	-
Dividend Growth	-	33.33%	-	-	-	-
Effective Tax Rate	25.86%	25.84%	30.00%	30.05%	-	28.56%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.