South Indian Bank Q4 FY26 Earnings Call Transcript Released
South Indian Bank reported FY26 net profit of ₹1,455 Cr (up 12%), with deposits at ₹1,23,346 Cr and advances at ₹1,00,274 Cr. Q4 FY26 net profit rose to ₹408 Cr. The bank is actively searching for a new MD & CEO. Technical write-offs of ₹1,163 Cr were performed. Loan book growth target for FY27 is 15-16%.
The announcement includes full-year and quarterly financial results, updates on key management succession, and strategic outlooks on loan growth and asset quality, which are material to investors.
The bank reported its highest ever net profit, significant growth in deposits and advances, and improved asset quality metrics. Management's commentary on future growth and strategies indicates a positive outlook.
The South Indian Bank Limited has released the transcript of its conference call for investors and analysts held on Thursday, May 07, 2026, at 16:00 hrs (IST). This follows previous announcements on April 30, 2026, and May 07, 2026. The transcript is available on the bank's website.
During the call, the bank reported its highest ever net profit for FY2025-2026 at ₹1,455 crore, a 12% increase from the previous year. Total deposits grew by 15% to ₹1,23,346 crore, and gross advances increased by 14.5% to ₹1,00,274 crore. The bank's net interest margin for the year was 2.91%.
For the quarter ending March 31, 2026, the net profit was ₹408 crore, a rise from ₹342 crore in Q4 FY25. Net interest income for the quarter stood at ₹915 crore, with a net interest margin of 2.95%. The bank's return on assets was 1.17% and return on equity was 14.49% for the quarter.
Management discussed the succession plan for the MD & CEO role, confirming an active search process underway. They also addressed a dip in other income, primarily due to lower treasury income in Q4 FY26, and outlined strategies to broaden the fee base through growth in Retail and MSME segments. Risk mitigation strategies for gold loans, including Value at Risk (VaR) framework and margin calls, were detailed. The bank also clarified that a ₹1,163 crore write-off was a technical write-off with no impact on the P&L but affecting the Provision Coverage Ratio (PCR).
Looking ahead to FY27, the bank aims for a loan book growth of 15-16%, matching industry rates if higher. Employee expenses saw a one-off write-back of approximately ₹80 crore due to actuarial valuation. The bank anticipates moderate growth in operating costs while aiming for positive operating leverage. Credit costs are expected to trend upwards due to geopolitical stresses, though no material change in customer behavior is currently observed. NIM drivers include a shift in asset mix towards Retail and MSME, and potential rate hikes. The bank also expects a favorable impact from the repricing of 60-65% of its deposits during the financial year. The ECL transition is not expected to have a material impact on the bank's numbers.
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