South Indian Bank has confirmed the completion of dispatching its postal ballot notice via email to all eligible members. The communication was sent on May 15, 2026, to shareholders whose email addresses are registered with the bank, its Registrar & Share Transfer Agent, or Depository Participants. Eligibility for the postal ballot is determined based on the Register of Members as of the cut-off date, Friday, May 08, 2026.

The bank has published advertisements regarding the e-voting information in the Financial Express (All India edition) and Deepika (Thrissur edition) on May 16, 2026. This action complies with Section 108 of the Companies Act, 2013, and relevant SEBI Listing Regulations. The requirement to send physical copies of the Postal Ballot Notice and forms has been dispensed with, meaning all voting will occur through the remote e-voting system.

E-Voting Schedule and Process

The bank has facilitated remote e-voting through Central Depository Services (India) Limited (CDSL). Shareholders can cast their votes electronically during the designated window. The e-voting module will be disabled once the period concludes, and members will not be permitted to change their votes after submission.

Shareholders holding shares in dematerialized form must update their email and KYC details with their Depository Participant. Those holding physical shares should submit Form ISR-1 to the Registrar & Share Transfer Agent, M/s. MUFG Intime India Private Limited, to register or update their email address.

Scrutinizer and Results Declaration

The Board of Directors has appointed Sri. P. D. Vincent, Practicing Company Secretary, as the Scrutinizer to ensure the postal ballot process is conducted fairly. In his absence, Sri. Jayan K will act as the Scrutinizer.

The outcome of the postal ballot will be announced by the Chairman or an authorized person at the bank's Registered Office. The declaration is scheduled to occur no later than two working days after the e-voting period ends, specifically on or before June 16, 2026, at 5:00 p.m. IST. The results will be displayed on the bank's website and the CDSL e-voting portal, and simultaneously communicated to the National Stock Exchange of India Ltd. and BSE Ltd.

South Indian Bank has released the transcript of its Q4 FY26 earnings conference call held on Thursday, May 07, 2026, at 16:00 hrs (IST), hosted by ICICI Securities. The disclosure was made by the bank's Secretarial Department vide reference SEC/ST.EX.STT/22/2026-27, dated May 13, 2026, in continuation of earlier communications dated April 30, 2026 and May 07, 2026. The transcript has been made available on the bank's official website at https://www.southindianbank.bank.in/userfiles/file/sib_q4-fy25-26_earnings_call_transcript.pdf . The call was addressed by MD & CEO Mr. P.R. Seshadri, along with Executive Director Mr. Dolphy Jose, CFO Mr. Vinod Francis, COO Mr. Anto George, and other senior executives.

Full-Year FY26 Financial Highlights

MD & CEO P.R. Seshadri opened the call by highlighting the bank's strongest-ever annual performance. The bank declared its highest-ever net profit for FY26, reflecting broad-based growth across deposits, advances, and asset quality metrics. The key full-year financial parameters are summarised below:

The bank also noted a technical write-off of ₹1,163 crores during the year; excluding this, year-on-year gross advances growth would have been 15.80%.

Q4 FY26 Quarterly Performance

For the quarter ending March 31, 2026, the bank delivered a strong set of results. Net profit rose to ₹408 crores compared to ₹342 crores in Q4 FY25. The quarterly metrics are detailed below:

CFO Vinod Francis noted that the dip in other income during Q4 was primarily due to near-nil Treasury income, which had stood at approximately ₹77 crores in Q3. He also highlighted that a write-back of approximately ₹80 crores on employee expenses was recorded based on actuarial valuation, representing a one-off item. The technical write-off for the March quarter alone amounted to ₹1,048 crores.

Business Segments and Portfolio Quality

The gold loan book grew 46% year-on-year to ₹24,729 crores, with an average LTV of 57.18% and an average ticket size of approximately ₹2.71 lakhs. Management noted that portfolio buyouts and co-lending account for approximately 8%–10% of the gold loan book, with total portfolio buyout across products at approximately ₹2,000 crores at the end of the last quarter. The MSME book grew approximately 15% year-on-year, with a sequential dip attributed to the ₹554 crore write-off in the segment rather than underlying stress. The bank's SMA1 and SMA2 numbers stood at approximately 0.60% of the total loan portfolio. Non-resident deposits grew 12% during FY26, compared to 7% in the prior year. The bank's branch count moved from 955 to 948 over recent quarters, with management indicating deliberate plans to expand in Tamil Nadu, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Gujarat, and New Delhi.

Management Commentary on Strategy and Outlook

On NIM drivers, Mr. Seshadri highlighted that asset mix shift from corporate to Retail and MSME remains the primary lever, supplemented by rate repricing benefits. He noted that NIMs improved by approximately 15 basis points over the last two quarters — six basis points in Q3 and nine basis points in Q4. CFO Vinod Francis added that 60%–65% of deposits are due for repricing during the current financial year, which is expected to benefit cost of funds. On loan growth, management indicated a target of 15%–16% for FY27. Regarding the CEO succession, Mr. Seshadri confirmed that his term ends on September 30 and that the Board is actively engaged in the search process, with names to be communicated to RBI within the required timeframe. On ECL transition, the CFO stated that no floating provisions are currently held and no material impact is expected, given declining SMA trends and a PCR close to 80%. The bank also launched a new digital banking offering called SIB RED towards the end of March and is developing a trade finance platform called TF Online to enhance FX and non-funded revenue streams.

Regulatory Disclosure

The notification was made pursuant to Regulation 30, 46, and all other applicable provisions of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, and was addressed to both the National Stock Exchange of India Ltd. and BSE Ltd. The disclosure was digitally signed and submitted by Jimmy Mathew, Company Secretary of South Indian Bank, on May 13, 2026, at 20:46:25 hrs IST.