3-Final SIB Investor Presentation - Q1-FY16 (June 2015

Experience Next Generation Banking
Investor Presentation
June 2015
Q1 - FY16
IMPORTANT NOTICE
No representation or warranty, express or implied is made as to, and no reliance should be placed on, the
fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information
contained in this presentation is only current as of its date. Certain statements made in this presentation may not be
based on historical information or facts and may be forward looking statements, including those relating to the
Companys general business plans and strategy, its future financial condition and growth prospects, and future
developments in its industry and its competitive and regulatory environment. Actual results may differ materially from
these forward-looking statements due to a number of factors, including future changes or developments in the
Companys business, its competitive environment and political, economic, legal and social conditions in India. This
communication is for general information purpose only, without regard to specific objectives, financial situations and
needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe for
any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any
contract or commitment whatsoever. The Company may alter, modify or otherwise change in any manner the content
of this presentation, without obligation to notify any person of such revision or changes. This presentation can not be
copied and/or disseminated in any manner.
Strategy: Way Forward

Strengthening long-term franchise value with focus on Retail and SME
segments
Housing loans - key focus segment with centralized processing and
faster approvals
Creating SME hubs focused on serving the needs of SME clientele
Focused on improving asset quality
Special cell focused on recovery from NPA accounts
Cleaned books through sale of stressed assets to Asset Reconstruction
Companies (ARCs)
Strengthening deposit franchise
Improvement in core deposits
CASA continues to and is expected to improve with concerted efforts at
branch level
Customer focused technology initiatives
Increase in internet, mobile and debit card transactions
Key Performance Highlights Q1-FY16

Rs. Crore
Item
Q1 - FY16
Q1 - FY15
Y-o-Y
Q4 - FY15
Net Interest Income
3,40.3
340.9
(0.2%)
347.1
(1.9%)
Other Income
1,03.8
121.2 (14.3%)
121.9
(14.8%)
65.3
126.7 (48.5%)
16.3
300.5%
Profit After Tax
Q-o-Q
Advances
38,243.0
34,255.4
11.6%
37,392.0
2.3%
Deposits
52,323.8
46,489.2
12.6%
51,912.0
0.8%
GNPA
713.8
517.3
38.0%
643.4
10.9%
NNPA
464.0
310.5
49.4%
357.0
30.0%
2.54%
2.72%
(6.7%)
2.70%
(5.9%)
22.28%
22.07%
0.9%
20.59%
8.2%
NIM
CASA
Financial performance
Financial Highlights As at June 2015

Balance Sheet Overview
Rs. Crore
Q1-FY16
Q1-FY15 Y-o-Y (%) Q4-FY15 Q-o-Q (%)
Capital & Liabilities

Capital
Reserves and Surplus
Deposits
Borrowings
Other Liabilities & Provisions
Total
135
3,520
52,324
1,660
1,301
58,940
135
3,349
46,489
2,641
1,263
53,877
0.3%
5.1%
12.6%
(37.1%)
3.0%
9.4%
135
3,454
51,912
2,232
1,383
59,116
0.0%
1.9%
0.8%
(25.6%)
(5.9%)
(0.3%)
Assets
Cash & Balances with RBI
Balances with Banks
Investments
Advances
Fixed Assets
Other Assets
Total
Business (Advances + Deposits)
2,417
825
15,994
38,243
478
983
58,940
90,567
2,260
1,709
14,361
34,255
465
826
53,877
80,745
6.9%
(51.7%)
11.4%
11.6%
2.8%
19.0%
9.4%
12.2%
2,442
1,154
16,717
37,392
479
932
59,116
89,304
(1.0%)
(28.5%)
(4.3%)
2.3%
(0.1%)
5.5%
(0.3%)
1.4%
Current Accounts
Savings Accounts
CASA Ratio
2,034
9,622
22.3%
1,879
8,382
21.2%
8.2%
14.8%
1,818
8,868
20.6%
11.9%
8.5%
6
Financial Highlights As at June 2015

Profit and Loss Account
Rs. Crore
Net Interest Income

Other Income
Total Income
Operating Expenses
Operating Profit
Provisions (Ex-Tax) & Contingencies
Profit Before Tax
Provision for Tax
Exceptional Items
Profit After Tax
Q1-FY16
Q1-FY15 Y-o-Y (%) Q4-FY15 Q-o-Q (%)
340
341
(0.2%)
347
(1.9%)
104
121 (14.3%)
122
(14.9%)
444
462
(3.9%)
469
(5.3%)
263
241
9.2%
304
(13.4%)
181
221 (18.1%)
165
9.6%
80
95 (16.0%)
138
(42.4%)
101
126 (19.7%)
27
275.5%
36
43 (16.2%)
11
228.1%
(43)
N/A
N/A
65
127 (48.5%)
16
308.0%
Other income was driven by strong contribution from transaction fees despite the decrease from
treasury
Provisions decreased mainly due to the reduction in loan loss provisions
In Q1-FY15, exceptional item refers to reversal of excess depreciation charged till March 31, 2014
(net of taxes) due to change in depreciation method from WDV to SLM
Key Metrics Quarterly

Particulars
Net Interest Margin (NIM) (%)
CRAR Basel II (%)
RoAA (Annualized) (%)
Provision Coverage (%)
CASA (%)
Gross NPA (%)
Net NPA (%)
Book Value per Share (Rs.)
Earnings per Share (Rs.)
Branches
- Kerala
- South India (Ex-Kerala)
- Rest of India
Total Branches
ATMs
- Kerala
- South India (Ex-Kerala)
- Rest of India
Total ATMs
Q1
2.93
13.66
0.94
57.95
20.58
1.57
1.12
23.27
3.41
FY14
Q2
3.03
13.16
0.97
53.56
21.33
1.92
1.39
24.20
3.59
Q3
3.02
12.35
1.02
55.73
21.16
1.66
1.18
25.13
3.79
Q4
3.02
12.53
1.00
62.71
20.69
1.19
0.78
25.06
3.78
Q1
2.72
12.32
0.93
62.50
22.07
1.50
0.91
25.88
3.78
FY15
Q2
Q3
2.80
2.70
12.35 11.57
0.75
0.71
62.91 60.41
22.09 21.51
1.55
1.80
0.90
1.04
26.47 27.10
3.01
2.87
Q4
2.70
12.06
0.56
60.63
20.59
1.71
0.96
26.59
2.28
FY16
Q1
2.54
11.49
0.45
56.13
22.28
1.85
1.21
27.07
1.94
409
213
119
422
220
121
434
227
128
436
227
131
439
228
134
440
230
135
441
231
138
444
236
142
741
763
789
794
801
805
810
822
447
239
142
828
475
230
125
830
492
250
130
872
512
265
137
914
552 565
293 295
155 158
1,000 1,018
587
311
165
1,063
607
323
178
1,108
651
362
187
1,200
670
374
200
1,244
Deposits
Breakup of Deposits
CASA Ratio
Rs. Crore
(%)
22.1
11,258
10,560
1,879
8,382
9,326
1,859
8,456
9,579
1,826
8,598
9,151
22.1
21.5
20.6
Dec-14
Mar-15
22.3
2,034
1,818
9,622
8,868
Jun-14
Sept-14
Jun-15
NRI Deposits
Rs. Crore
12,193
25,668
27,052
28,456
29,968
31,517
11,393
10,745
10,252
9,400
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Term
Savings
Current
Others*
*Others includes: Bulk, Certificates of Deposits
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Deposits
Core & Non-Core Deposits
June-15
43,173
9,151
52,324
13%
June-15
13%
June-15
20%
Rs. Crore
35,929
10,560
46,489
June-14
June-14
June-14
Core Deposit
Non-Core Deposit
Total Deposit
June-15
June-15
June-15
2,034
9,622
11,656
Strengthening
core deposit
franchise for
long-term
growth
15%
14%
Rs. Crore
8%
CASA Deposits
1,879
8,382
10,261
June-14
June-14
June-14
Current Deposit
Savings Deposit
Total CASA
Improved
CASA by 14%
through
concerted
efforts at the
branch level
10
Advances: Composition of Loan Book

Retail
Rs. Crore
10,215
SME
Aggregate Loan Book

8,811
Rs. Crore
10,309
8,374
9,833
9,657
9,369
Rs. Crore
38,820
8,218
7,799
7,388
37,978
36,998
Jun-14 Sept-14 Dec-14 Mar-15 Jun-15
Agriculture
Corporate
Rs. Crore
Rs. Crore
35,871
4,917
16,317
15,052
4,077
3,739
3,127
13,962
15,433
14,356
3,407
34,692
11
Gold Loan Portfolio

Retail
SME
Rs. Crore
Rs. Crore
3,441
1,127
3,665
782
2,857
614
2,485
434
2,003
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Jun-14
Sept-14
Dec-14
Mar-15
Agriculture
Aggregate Gold Loan Portfolio
Rs. Crore
Rs. Crore
1,928
5,905
1,337
Jun-14
Sept-14
Jun-15
5,706
5,147
1,672
1,428
337
1,508
4,591
4,268
Dec-14
Mar-15
Jun-15
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Shifting focus from Gold Loan to Retail, SME, and Agriculture

12
Advances: Geography wise split

Kerala
South Ex-Kerala
Rs. Crore
Rest of India
Rs. Crore
Rs. Crore
14,270
13,741
12,880
13,421
13,530 13,542
12,769 12,682
12,435
11,899
11,621
11,444
10,549
9,892
9,658
Kerala franchise providing a very strong base with growth in advances led by expansion into other
geographies, both in South India (ex-Kerala) and Rest of India
13
Income & Profit - Quarterly

Net Total Income
Net Interest Income
Rs. Crore
Rs. Crore
480
469
462
452
358
444
347
341
340
320
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Net Profit
Jun-14
Sept-14
Dec-14
Mar-15
Net Interest Margin
Rs. Crore
(%)
2.80
127
76
2.72
88
2.70
2.70
65
2.54
16
Jun-14
Jun-15
Sept-14
Dec-14
Mar-15
Jun-15
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
14
Other Income
Other Income Breakup
Other Income
Rs. Crore
Rs. Crore
160
Y-o-Y
Q-o-Q
Q1-FY16 Q1-FY15 (%) Q4-FY15 (%)
Transaction
51.9
38.5
34.8%
50.1
3.7%
Investment
14.1
45.8 (69.2%)
27.7
(49.0)
Technology
20.5
20.8 (1.4%)
22.2
(7.8%)
11.7
(25.8%)
ForEx
8.7
7.1
21.9%
8.7
9.0 (3.7%)
10.2
(15.4%)
103.9
121.2 (14.3%)
121.9
(14.8%)
Sept-14
Dec-14
Mar-15
Jun-15
Key Initiatives
*Other includes IT, Bullion, etc.
104
94
Jun-14
Other*
Total
Other
Income
122
121
Enhancing treasury income

Targeting end-to-end SME business potential
Strengthening retail presence
Focus on NRI remittances and currency
conversion
Integrating both domestic and forex treasury
15
Break-up of Provisions
Rs. Crore
Particulars
For NPA & NPI
For Depreciation on Investments
For Standard Assets
For Restructured Advances/Sacrifices & FITL
For Unhedged Forex Exposure
Others
Taxes
Total Provisions
Q1-FY16 Q1-FY15 Q4-FY15

41.22
87.12
59.65
20.33
5.02
6.88
9.43
(5.65)
10.64
6.72
2.65
46.67
(1.08)
5.55
3.11
2.89
(0.06)
10.79
36.08
43.05
10.92
115.58
137.68
148.66
16
Operating Efficiency
Yields on Advances & Deposits
C/I Ratio
(%)
(%)
12.05
8.04
11.96
7.95
11.79
7.97
11.74
7.99
59.28
11.49
7.85
52.18
52.75
Jun-14
Sept-14
53.29
52.66
Cost of Deposits
Yield on Advances
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Business per Employee
Dec-14
Mar-15
Jun-15
Business per Branch
Rs. Crore
Rs. Crore
106.5
11.5
11.5
11.0
10.9
10.8
101.5
99.6
99.6
98.8
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
17
Non-Performing Assets
Gross NPA
Net NPA
1.85%
1.80%
1.21%
1.04%
1.71%
1.50%
June-14
0.91%
0.90%
June-14
Sept-14
0.96%
1.55%
Sept-14
Dec-14
Mar-15
June-15
Gross NPA
Particulars
Dec-14
Mar-15
June-15
Net NPA
Amount (Rs. Crore)
Particulars
Amount (Rs. Crore)
Opening Balance
April 1, 2015
643.45
Opening Balance
April 1, 2015
357.05
Additions during the quarter
175.27
146.11
Deductions
104.89
Deductions
Closing Balance
June 30, 2015
713.83
Closing Balance
June 30, 2015
39.18
463.98
18
Restructured Assets
Restructured Assets
Movement in Restructured Accounts
Rs. Crore
1,879
1,938
2,170
2,068
Rs. Crore
March 15
Balance
June 15
Balance
1,938
2,068
153
107
Increase in balance under

existing Restructured
Account
19
38
Upgradation to Standard
Category
(35)
Closure including WriteOff
(39)
Decrease in Restructured
Account Balance
(5)
(8)
2,068
2,170
Particulars
1,524
Opening
Fresh Additions
June-14
Sept-14
Dec-14
Mar-15
June-15
NPA Provisioning
Rs. Crore
Particulars
Opening Balance April 1, 2015
Amount
259.76
43.69
Deductions
77.84
Closing Balance June 30, 2015
225.61
Closing
19
Restructured Breakup and NPA Initiatives

Restructured Asset Breakup
NPA management initiatives
Rs. Crore
Particulars
June14
Sept14
Dec14
Mar15
June15
Restructured Std.
Advance
1,401
1,748
1,763
1,882
1,975
123
131
175
186
195
1,524
1,879
1,938
2,068
2,170
Restructured
NPA
Total
Restructured
Assets
Collection efforts for large ticket NPAs

responsible for multiple recoveries over
past 6 months
Monitoring of restructured loan portfolio
Large Asset Monitoring Cell in head office
Defocusing from power and infrastructure

sectors
Granularise Exposure / Spread out risk
Shift in focus from large corporates to mid

and small enterprises
Sector Standard Restructure - Q1FY16

Standard Restructured Advances
Others*
20%
Pharma
6%
Construction
EPC
29%
*Other includes IT, Bullion, etc.
Power
45%
Special Recovery Cell headed by DGM and

staffed by legal team
Sole banker or consortium lead as against

one bank in a large consortium, leading
to better control
20
Core Capital
CRAR Tier I
BASEL II
(Q1-FY16)
CRAR Tier II
10.1
1.4
(%)
CRAR Tier I
BASEL III
(Q1-FY16)
CRAR Tier II
10.0
1.4
(%)
10.8
10.8
10.8
10.5
10.1
10.7
10.1
10.5
10.0
10.0
1.6
1.5
1.5
1.6
1.4
1.6
1.4
1.4
1.6
1.4
June-14
Sept-14
Dec-14
Mar-15
June-15
June-14
Sept-14
Dec-14
Mar-15
June-15
CRAR Tier I
CRAR Tier II
CRAR Tier I
CRAR Tier II
21
Returns to Stakeholders
Return on Assets
Return on Equity
(%)
(%)
0.93
0.75
14.59
0.71
0.56
June-14
Sept-14
Dec-14
Mar-15
11.35
0.45
June-15
10.55
8.56
June-14
Sept-14
Dec-14
Diluted Earnings per Share
Book Value per Share
Rs.
Rs.
3.75
25.88
2.98
26.47
27.10
Mar-15
26.59
7.17
June-15
27.07
2.85
2.27
1.93
June-14
Sept-14
Dec-14
Mar-15
June-15
June-14
Sept-14
Dec-14
Mar-15
June-15
22
Business Focus: Retail

Retail Breakup
Sanctioned Housing Loans
Rs. Crore
Rs. Crore
689
730
761
787
302
803
847
1,966
834
941
Special retail hub in

Cochin to increase focus
on housing finance
Two more hubs to be set

up one in South India
and one in North India
Branch staff being given

specific training to
market mortgage loans
Marketing initiative
through TVCs
Tailor made products for

different segments
227
910
190
926
1,798
1,791
298
Housing: Key Initiatives
132
1,726
1,733
1,750
1,607
1,620
1,580
1,540
Number of Home Loans

3,441
3,665
2,857
2,485
2,003
1,374
913
1,608
1,722
1,915
2,106
987
2,241

Housing
Gold
Manufacturing
Service & Traders
LAD*
Others
*LAD = Loan against deposits
1,499
1,345

23
Business Focus: SME

Loan Book by Geography Q1-FY16
Average SME Loan / Account

Rs. Lakhs
13.7
Kerala
46%
Rest of India
22%
12.5
10.5
South (ExKerala)
32%
9.2
8.5
SME Highlights
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Dedicated GM appointed to ensure focus and

better coordination with regions
Focused Green Channel branches to drive faster
loan growth to SMEs
Target to become banker of choice to SMEs
thereby getting other business as well
liabilities, vehicle finance, etc.
Ongoing training (in-house as well as external)
24
Fresh Slippages / Advances Ratios

Retail Slippage
Agriculture Slippage
0.19%
0.17%
0.14%
0.11%
0.12%
0.26%
0.21%
0.04%
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
SME Slippage
0.55%
0.46%
0.38%
Sept-14
Jun-14
Sept-14
Dec-14
Mar-15
Jun-15
Slippage
0.52%
Jun-14
0.03%
0.05%
Dec-14
Fresh Slippage / Advances ratio is extremely

low across Retail, SME, and Agriculture loan
book
Transition to centralized processing and

diligent approval processes underscores
continued lending focus in these areas
0.43%
Mar-15
Jun-15
25
Technology Initiatives
Updates
SIB Mirror is a mobile-led platform with instant

account access, balance retrieval, immediate
fund transfers, all account intimations, and much
more
SIB-er Net Suite of comprehensive internet
banking services positioning SIB as a
technology-driven bank offering superior
services to retail customers
Retail branches now interconnected with singlewindow service and providing real-time
online, real-time transactions to customers
SIB offers Visa, MasterCard, and RuPay debit
cards with online access to users for secure
domestic and international transactions
Centralized Processing Center allows enhanced
risk management and customer creation with
complete KYC compliance and fraud prevention
tools
26
Personal Banking: Technology Banking

(000)s
Rs. Crore
Mobile Transaction Volume

342
Rs. Crore
Q1-
Q1FY16
Q4FY15
Q3FY14
Q3FY15
Q2FY14
Q2FY15
35
17
Q1FY15
11
Q4FY14
2
Q1FY14
Q1FY16
Q4FY15
Q3FY14
28
Q3FY15
Q2FY14
Q2FY15
Q1FY14
50
210
113
Q1FY15
90
Q4FY14
78
84
Q4-
74
265
177
Q3-
Mobile Transaction Value
(000)s
147
Q2-
814 810 894
Q4-
Q4-
609
Q3-
556
Q3-
Q1-
Q4-
Q3-
390
327 345 364
Q2-
Q1-
Q1-
Q4-
277
Q3-
Q2-
Q1-
Q4-
Q3-
Q2-
Q1-
55
453 481
Q2-
74
2,356
1,887
1,467
1,409
1,173
Q1-
866
135
Q2-
138
33 41
13 17 24
Internet Transaction Value
Q1-
(000)s
Internet Transaction Volume
Q1-
Active Internet Users
27
Personal Banking: Debit Cards

# of Active Debit Cards
Debit Card Transaction Volumes

millions
millions
26.2
2.7
23.6
Q1FY15
2.4
2.3
23.7
Q4FY14
23.0
23.6
21.5
Q1FY16
Q4FY15
Q3FY15
Q2FY15
Q3FY14
Q2FY14
Q1FY14
Q1FY15
Q4FY15
Q3FY15
Q2FY15
Q1FY15
19.8
Debit Card Transaction Value

Rs. Crore
4,806
4,187
3,514
3,716
4,518
4,389
4,081
3,886
Q1FY16
Q4FY15
Q3FY15
Q2FY15
Q1FY15
Q4FY14
Q3FY14
Q2FY14
3,235
Q1FY14
Q4FY14
2.1
Q3FY14
Q2FY14
Q1FY14
1.8
1.9
2.2
25.2
2.5
2.5
26.8
28
ATM : Branch Network ratio above 1.0x

Total Branch Network
631
FY11
688
FY12
738
FY13
794
822
828
FY14
FY15
Q1-FY16
Total ATM Network

Location
Kerala
South India
(Ex-Kerala)
Rest of India
Total
1,200
No. of
Branches
447
1,244
1,000
800
663
239
142
828
490
FY11
FY12
FY13
FY14
FY15
Q1-FY16 29
Employees
Employee* Tenure Breakdown
Highlights
Strong employee presence in the South with

great brand helping to attract and retain
quality talent
High enthusiasm and satisfaction among

employees, leading to very low attrition
levels many employees have been at SIB
for greater than 5 years
Recent hires are positioned to grow through

the ranks at SIB and increasingly into retail
positions in an effort to drive growth and
expansion
<1 Year
12.4%
>10 Years
22.5%
1-2 Years
13.1%
2-5 Years
27.8%
6-10 Years
24.1%
Total Employees: 7,137
*Employees include full-time officers and clerks.
30
Management Profile
Board of Directors
Name
Key Management
Designation
Name
Designation
Mr. Amitabha Guha
Chairman
Mr. V.G. Mathew
Mr. V.G. Mathew
Managing Director
& CEO
Managing Director
& CEO
Mr. Joseph George Kavalam
Senior Vice President

(Administration)
Mr. A.G. Varughese
Senior Vice President

(Operations)
Mr. Thomas Joseph K
Chief General Manager
Mr. C.P. Gireesh
Chief Financial Officer
Mr. Mohan E. Alapatt
Independent Director
Mr. K. Thomas Jacob
Dr. John Joseph Alapatt
Mr. Francis Alapatt
Mr. Salim Gangadharan
Mr. Cheryan Varkey
Non Executive
Director
Mrs. Ranjana Salgaocar
Mr. Parayil George John Tharakan
31
Ownership Profile
32
Shareholding Breakup
Ownership Profile
NRI
6.0%
Domestic
5.6%
Corp and
Banks
11.9%
Major Shareholders Group
FII
40.5%
SL Name of the Group

1 Acacia Partners
%
4.99
2
3
4
5
6
7
8
9
10
4.93
4.65
4.44
4.42
4.11
3.72
3.70
3.32
3.21
First Carlyle Ventures Mauritius

ICICI Prudential Fund
Pabrai Investment Fund
Life Insurance Corporation of India
Deutsche Securities Mauritius Limited
Kotak Fund
Yusuffali Musaliam Veettil Abdul Kader
CX Securities Limited
GKFF Ventures
Public
35.9%
Strong Institutional Ownership

33
Key Strategic Initiatives

Strategic Initiative
Description
Expand retail
business
Strengthen SME
relationships
Cluster based approach targeting SMEs in industry hubs

Be the banker of choice for SME clients across advances, liabilities, services
Dedicated GM to coordinate SME banking initiatives across regions
Enhance asset
quality
Special recovery cell for monitoring non performing and restructured assets
Cautious approach on large corporate lending; Granularize loan portfolio to spread out
risk
CASA improvement
Central processing unit for liability booking to ease load on branches

Specific targets and initiatives for CASA
Enhance operating
efficiency
Optimize business per branch through centralized support services in account opening,
retail loan processing, etc.
Improve share of
other income
Focus on treasury, exchange and other services for SME, retail and NRI clients
Enhance treasury capabilities and increase bench strength
Expand POS/ATM network
Specific focus on retail loan products like housing loans, vehicle loans
Specialized green channel branches for faster processing of retail loans
Dedicated retail loan hub at Cochin; to be replicated across the country
Significant focus on continuous training of work force
Focus on technology initiatives such as mobile and internet banking
Investment in brand building Mammootty as Brand Ambassador
34
10-Year Financial Performance
35
10-Year Balance Sheet

Rs. Crore
Balance Sheet
Capital & Liabilities
Capital
Reserves and Surplus
Deposits
Borrowings
Other Liabs. &
Provisions
Total
Assets
Cash & Balances with
RBI
Balances with Banks
Investments
Advances
Fixed Assets
Other Assets
Total
Business
(Advances + Deposits)
CAGR
05-15
FY15 FY14 FY13 FY12 FY11 FY10 FY09 FY08 FY07 FY06 FY05 (%)
135 134 134
113
113
113
113
90
70
70
48
3,454 3,234 2,870 2,054 1,732 1,372 1,191 1,071 654 570 408
51,912 47,491 44,262 36,501 29,721 23,012 18,092 15,156 12,239 9,579 8,492
2,232 2,731 1,285 588 290 331 257
28
33
1
4
10.89
23.81
19.85
88.22
1,383 1,396 1,245 1,114 964 707 730 745 657 607 526
59,116 54,986 49,795 40,370 32,820 25,534 20,384 17,090 13,653 10,827 9,478
10.15
20.09
2,442 2,201 1,697 1,572 1,828 1,391 998 974 700 546 433
1,154 1,017 2,639 1,069 638 597 1,038 729 1,246 797 268
16,717 14,352 12,523 9,400 8,924 7,156 6,075 4,572 3,430 2,739 3,133
37,392 36,230 31,816 27,281 20,489 15,823 11,852 10,454 7,919 6,370 5,365
479 412 396 378 357 153 136
113
90
90
78
932 774 724 671 585 415 284 249 268 285 200
59,116 54,986 49,795 40,370 32,820 25,534 20,384 17,090 13,653 10,827 9,478
18.88
15.72
18.23
21.43
19.90
16.64
20.09
89,304 83,721 76,078 63,781 50,210 38,834 29,944 25,610 20,158 15,949 13,858
20.48
36
10-Year P&L
Rs. Crore
Net Interest Income

Other Income
Total Income
Operating Expenses
Operating Profit
Provisions &
Contingencies
Profit Before Tax
Provision for Tax
Exceptional Items
Profit After Tax
FY15 FY14 FY13 FY12 FY11 FY10 FY09 FY08 FY07 FY06
1,366 1,399 1,281 1,022 791 568 523 376 368 310
497 368 335 247 197 208 164 143 103
72
1,863 1,767 1,616 1,269 988 777 687 519 471 382
1,047 883 767 617 463 366 328 245 219 226
816 884 849 652 525
411 359 273 252 156
CAGR
05-15
FY05 (%)
257 21.42%
102 4.62%
359 15.04%
187 16.40%
172 13.84%
414
402
138
155
729
221
161
688
154
79
572
171
80
446
153
43
367
134
57
301
107
39
234
80
105
146
42
87
69
18
158 3.52%
14 18.64%
5 16.61%
-43
307
- 31.72
508 502
402
293
234
195
2.70
152
104
51
9 19.66%
37
10-Year Business and Financial Metrics
Key Performance Highlights

Net Interest Margin (%)
CRAR Basel II (%)**
RoAA (Annualized) (%)
Provision Coverage (%)
CASA (%)
Gross NPA (%)
Net NPA (%)
Book Value per Share (Rs.)
Earnings per Share (Rs.)
Dividend per Share (Rs.)
Branches
- Kerala
- South Ex-Kerala
- Others (Rest of India)
Total Branches
ATMs
- Kerala
- South Ex-Kerala
- Others (Rest of India)
Total ATMs
FY15
2.70
12.06
0.56
60.63
20.59
1.71
0.96
26.59
2.28
0.60
FY14
3.02
12.53
1.00
62.71
20.69
1.19
0.78
25.06
3.78
0.80
FY13
3.21
13.91
1.17
60.33
18.60
1.36
0.78
22.44
4.03
0.70
FY12
3.10
14.00
1.12
71.36
19.67
0.97
0.28
19.12
3.55
0.60
FY11
3.06
14.01
1.05
73.94
21.55
1.11
0.29
16.33
2.59
0.50
FY10
2.77
15.39
1.07
70.82
23.13
1.32
0.39
13.14
2.07
0.40
FY09
3.17
14.76
1.09
48.45
23.80
2.18
1.13
11.54
1.72
0.30
FY08
2.89
13.80
1.01
81.98
24.08
1.78
0.33
12.84
1.68
0.30
FY07
3.28
11.08
0.88
75.77
23.94
3.94
0.98
10.86
1.48
0.25
FY06
3.25
13.02
0.53
63.94
26.41
4.99
1.86
9.10
0.72
0.18
FY05
2.74
9.89
0.09
44.22
24.79
6.64
3.81
9.54
0.18
NIL
444
236
142
822
436
227
131
794
409
213
116
738
383
200
105
688
358
173
100
631
316
161
93
570
301
146
73
520
286
133
71
490
277
122
66
465
263
119
58
440
251
117
51
419
651
362
187
1,200
552
293
155
1,000
461
221
118
800
382
184
97
663
280
124
86
490
190
100
81
371
144
71
63
278
115
50
58
223
84
39
51
174
66
38
40
144
58
33
30
121
* PCR without considering technical/prudential write-off.

** Values from FY05-FY08 pertain to CRAR as per Basel I
38
Awards and Recognitions (1/2)

SIB wins 'Best Private Sector Bank in the ABP News BFSI Awards 2015
39
Awards and Recognitions (2/2)

SIB wins 'Best IT Team Award
Banking Technology Excellence Award
SIB wins Banking Frontiers Inspiring

Work Places Award
40

3-Final SIB Investor Presentation - Q1-FY16 (June 2015

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3-Final SIB Investor Presentation - Q1-FY16 (June 2015

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Experience Next Generation Banking

Experience Next Generation Banking

Experience Next Generation Banking

Strategy: Way Forward

Experience Next Generation Banking

Key Performance Highlights Q1-FY16

Net Interest Income

Profit After Tax

Experience Next Generation Banking

Experience Next Generation Banking

Financial Highlights As at June 2015

Q1-FY15 Y-o-Y (%) Q4-FY15 Q-o-Q (%)

Capital & Liabilities

Experience Next Generation Banking

Financial Highlights As at June 2015

Net Interest Income

Experience Next Generation Banking

Key Metrics Quarterly

Experience Next Generation Banking

*Others includes: Bulk, Certificates of Deposits

Experience Next Generation Banking

Experience Next Generation Banking

Advances: Composition of Loan Book

Aggregate Loan Book

Jun-14 Sept-14 Dec-14 Mar-15 Jun-15

Jun-14 Sept-14 Dec-14 Mar-15 Jun-15

Jun-14 Sept-14 Dec-14 Mar-15 Jun-15

Jun-14 Sept-14 Dec-14 Mar-15 Jun-15

Experience Next Generation Banking

Gold Loan Portfolio

Aggregate Gold Loan Portfolio

Shifting focus from Gold Loan to Retail, SME, and Agriculture

Experience Next Generation Banking

Advances: Geography wise split

Jun-14 Sept-14 Dec-14 Mar-15 Jun-15

Jun-14 Sept-14 Dec-14 Mar-15 Jun-15

Experience Next Generation Banking

Income & Profit - Quarterly

Net Interest Income

Net Interest Margin

Experience Next Generation Banking

*Other includes IT, Bullion, etc.

Enhancing treasury income

Experience Next Generation Banking

Q1-FY16 Q1-FY15 Q4-FY15

Experience Next Generation Banking

Business per Employee

Business per Branch

Experience Next Generation Banking

Amount (Rs. Crore)

Additions during the quarter

Additions during the quarter

Experience Next Generation Banking

Movement in Restructured Accounts

Increase in balance under

Closure including WriteOff

Additions during the quarter

Closing Balance June 30, 2015

Experience Next Generation Banking

Restructured Breakup and NPA Initiatives

NPA management initiatives

Collection efforts for large ticket NPAs

Large Asset Monitoring Cell in head office