The South Indian Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	77,569	94,133	86,128	72,332	65,865
Interest Income on Investments	20,896	-	-	-	-
Total Interest Income	98,465	94,133	86,128	72,332	65,865
Interest Paid on Deposits	64,091	59,277	52,808	42,211	43,468
Net Interest Income	34,374	34,856	33,321	30,121	22,398
Net Interest Income Growth (YoY)	-1.39%	4.61%	10.62%	34.48%	-6.94%
Gain (Loss) on Sale of Assets	-	-23.41	-1	-1.22	1.48
Gain (Loss) on Sale of Investments	-	2,219	3,176	-3,645	661.65
Other Non-Interest Income	20,088	15,934	11,970	11,760	9,676
Total Non-Interest Income	20,088	18,130	15,145	8,114	10,339
Non-Interest Income Growth (YoY)	10.80%	19.71%	86.66%	-21.52%	-12.79%
Revenues Before Loan Losses	54,461	52,986	48,466	38,235	32,737
Provision for Loan Losses	4,173	5,132	3,390	3,992	13,395
Revenue	50,288	47,855	45,076	34,243	19,342
Revenue Growth (YoY)	5.08%	6.16%	31.64%	77.04%	-6.16%
Salaries and Employee Benefits	16,482	16,658	17,027	13,079	11,981
Occupancy Expenses	-	2,700	2,440	2,263	2,128
Selling, General & Administrative	53.7	2,456	2,305	1,866	1,353
Other Non-Interest Expense	14,188	8,416	7,990	5,949	4,799
Total Non-Interest Expense	30,723	30,284	29,788	23,158	20,263
EBT Excluding Unusual Items	19,565	17,571	15,289	11,084	-921.62
Pretax Income	19,565	17,571	15,289	11,084	-921.62
Income Tax Expense	5,009	4,540	4,587	3,331	-1,370
Net Income	14,556	13,031	10,702	7,753	448.08
Net Income to Common	14,556	13,031	10,702	7,753	448.08
Net Income Growth	11.71%	21.76%	38.04%	1630.29%	-27.63%
Basic Shares Outstanding	2,618	2,616	2,100	2,093	2,093
Diluted Shares Outstanding	2,623	2,617	2,102	2,093	2,093
Shares Change (YoY)	0.21%	24.52%	0.44%	-	15.91%
EPS (Basic)	5.56	4.98	5.10	3.70	0.21
EPS (Diluted)	5.55	4.98	5.09	3.70	0.21
EPS Growth	11.45%	-2.16%	37.39%	1664.17%	-38.23%
Dividend Per Share	0.450	0.400	0.300	0.300	-
Dividend Growth	12.50%	33.33%	-	-	-
Effective Tax Rate	25.60%	25.84%	30.00%	30.05%	-