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	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	95,190	94,133	86,128	72,332	65,865	73,054
Interest Paid on Deposits	62,701	59,277	52,808	42,211	43,468	48,985
Net Interest Income	33,904	34,856	33,321	30,121	22,398	24,069
Net Interest Income Growth (YoY)	-2.91%	4.61%	10.62%	34.48%	-6.94%	3.86%
Gain (Loss) on Sale of Assets	-23.41	-23.41	-1	-1.22	1.48	3.08
Gain (Loss) on Sale of Investments	2,219	2,219	3,176	-3,645	661.65	4,195
Other Non-Interest Income	19,757	15,934	11,970	11,760	9,676	7,656
Total Non-Interest Income	21,953	18,130	15,145	8,114	10,339	11,855
Non-Interest Income Growth (YoY)	31.94%	19.71%	86.66%	-21.52%	-12.79%	13.36%
Revenues Before Loan Losses	55,856	52,986	48,466	38,235	32,737	35,924
Provision for Loan Losses	6,071	5,132	3,390	3,992	13,395	15,313
Revenue	49,785	47,855	45,076	34,243	19,342	20,611
Revenue Growth (YoY)	3.16%	6.16%	31.64%	77.04%	-6.16%	10.39%
Salaries and Employee Benefits	16,906	16,658	17,027	13,079	11,981	12,288
Occupancy Expenses	2,700	2,700	2,440	2,263	2,128	2,579
Selling, General & Administrative	2,456	2,456	2,305	1,866	1,353	771.85
Other Non-Interest Expense	8,977	8,416	7,990	5,949	4,799	4,111
Total Non-Interest Expense	31,093	30,284	29,788	23,158	20,263	19,745
EBT Excluding Unusual Items	18,693	17,571	15,289	11,084	-921.62	866.61
Pretax Income	18,693	17,571	15,289	11,084	-921.62	866.61
Income Tax Expense	4,786	4,540	4,587	3,331	-1,370	247.5
Net Income	13,906	13,031	10,702	7,753	448.08	619.11
Net Income to Common	13,906	13,031	10,702	7,753	448.08	619.11
Net Income Growth	11.43%	21.76%	38.04%	1630.29%	-27.63%	-40.81%
Basic Shares Outstanding	2,613	2,616	2,100	2,093	2,093	1,806
Diluted Shares Outstanding	2,620	2,617	2,102	2,093	2,093	1,806
Shares Change (YoY)	4.98%	24.52%	0.44%	-	15.91%	-0.23%
EPS (Basic)	5.32	4.98	5.10	3.70	0.21	0.34
EPS (Diluted)	5.31	4.98	5.09	3.70	0.21	0.34
EPS Growth	6.19%	-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	25.61%	25.84%	30.00%	30.05%	-	28.56%

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