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.

The South Indian Bank Ltd. has published a statutory notice in the Financial Express (All Editions) and Deepika (All Kerala Edition) dated May 13, 2026, intimating shareholders about the impending transfer of equity shares to the Investor Education and Protection Fund (IEPF) Authority. The notice has been issued pursuant to Regulation 30 & 47 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and the applicable provisions of the Investor Education and Protection Fund Authority (Accounting, Audit, Transfer and Refund) Rules, 2016, effective from September 07, 2016, and subsequent amendments thereto.

Regulatory Basis for IEPF Transfer

Under the Rules notified by the Ministry of Corporate Affairs, unpaid or unclaimed dividends are required to be transferred to the IEPF, along with the underlying equity shares in respect of which dividends have remained unclaimed or unpaid for seven consecutive years or more. Accordingly, all equity shares of South Indian Bank in respect of which dividends have not been claimed or paid for seven consecutive years from 2018-19 are liable to be transferred to the IEPF Authority.

Key Details and Shareholder Action Required

The bank has communicated individually with concerned shareholders at their registered addresses, providing details of unclaimed dividends for the seven consecutive years and the equity shares liable for transfer. A detailed statement containing shareholder name, address, folio number or Demat account number, and number of shares due for transfer is available on the bank's website.

Shareholders who have not claimed dividends from 2018-19 onwards are advised to submit their claims to the Registrar and Share Transfer Agent or the bank's Registered Office on or before August 14, 2026. If no valid claim is received by this date, the bank will proceed to transfer the shares to the Demat account of the IEPF Authority.

Prior Transfers Already Completed

The bank has confirmed that equity shares of shareholders who did not claim dividends for a consecutive period of seven years covering the years 2010-11, 2011-12, 2012-13, 2013-14, 2014-15, 2015-16, 2016-17, and 2017-18 have already been transferred to the Demat account of the IEPF Authority.

Process for Physical and Demat Shareholders

Shareholders holding shares in physical form whose shares are liable for transfer should note that the bank will inform the depository via corporate action to convert share certificates into Demat form for transfer to the IEPF. Upon such transfer, the original share certificates will be deemed cancelled and non-negotiable. For shareholders holding shares in Demat form, the bank will similarly inform the depository via corporate action to transfer the shares to the IEPF Authority's Demat account.

Reclaim Process from IEPF

Shareholders whose shares and unclaimed dividends—including all benefits accruing on such shares—have been transferred to the IEPF Authority may reclaim them by:

• Filing an online application in the prescribed Form IEPF-5
• Sending a physical copy of the duly signed form (as per specimen signature recorded with the company) along with requisite original documents to the Nodal Officer of the company

The bank has clarified that details uploaded on its website shall be deemed adequate notice for the purpose of transfer of shares to IEPF, and no claim shall lie against the company in respect of unclaimed dividend amounts and equity shares transferred to the IEPF. The notice has been signed by Jimmy Mathew, Company Secretary, South Indian Bank Ltd., dated May 12, 2026, from Thrissur.