South Indian Bank Q3FY26 Results: Net Profit Grows 9.5% YoY to ₹37,432 Lakhs

South Indian Bank announced its unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025. The private sector bank demonstrated steady growth across key financial metrics while maintaining improved asset quality parameters.

Financial Performance Highlights

The bank's financial performance for Q3FY26 showed consistent growth momentum. Net profit increased to ₹37,432 lakhs compared to ₹34,187 lakhs in the corresponding quarter of the previous year, marking a 9.5% year-on-year growth. Total income for the quarter reached ₹3,00,346 lakhs, up from ₹2,77,996 lakhs in Q3FY25.

Financial Metric:	Q3FY26	Q3FY25	Growth (%)
Net Profit:	₹37,432 lakhs	₹34,187 lakhs	+9.5%
Total Income:	₹3,00,346 lakhs	₹2,77,996 lakhs	+8.0%
Operating Profit:	₹58,433 lakhs	₹52,884 lakhs	+10.5%
Interest Earned:	₹2,51,753 lakhs	₹2,37,074 lakhs	+6.2%

Nine-Month Performance

For the nine months ended December 31, 2025, the bank maintained its growth trajectory. Net profit reached ₹1,04,764 lakhs compared to ₹96,069 lakhs in the corresponding nine-month period of FY25, representing a 9.0% increase. Total income for the nine-month period stood at ₹8,91,057 lakhs versus ₹8,28,093 lakhs in the previous year.

Nine-Month Metric:	FY26	FY25	Growth (%)
Net Profit:	₹1,04,764 lakhs	₹96,069 lakhs	+9.0%
Total Income:	₹8,91,057 lakhs	₹8,28,093 lakhs	+7.6%
Operating Profit:	₹1,79,209 lakhs	₹1,58,677 lakhs	+12.9%

Asset Quality Improvement

The bank demonstrated significant improvement in asset quality metrics. Gross NPA declined substantially to ₹2,58,150 lakhs as of December 31, 2025, compared to ₹3,73,556 lakhs a year earlier. The gross NPA ratio improved to 2.67% from 4.30% year-on-year, while net NPA ratio showed marked improvement to 0.45% from 1.25%.

Asset Quality Parameter:	Dec 2025	Dec 2024	Improvement
Gross NPA:	₹2,58,150 lakhs	₹3,73,556 lakhs	-30.9%
Net NPA:	₹42,590 lakhs	₹1,05,611 lakhs	-59.7%
Gross NPA Ratio:	2.67%	4.30%	-163 bps
Net NPA Ratio:	0.45%	1.25%	-80 bps

Segment-wise Performance

The bank's segment-wise revenue showed varied performance across different business verticals. Retail Banking continued to be the largest revenue contributor with ₹1,35,085 lakhs in Q3FY26, up from ₹1,21,696 lakhs in Q3FY25. Corporate/Wholesale Banking generated ₹86,556 lakhs compared to ₹88,556 lakhs in the previous year quarter, while Treasury operations contributed ₹65,147 lakhs versus ₹56,036 lakhs.

Capital Adequacy and Key Ratios

The bank maintained a strong capital adequacy ratio of 17.84% as of December 31, 2025, compared to 18.00% in the corresponding period last year. Basic and diluted earnings per share for the quarter stood at ₹1.43 compared to ₹1.31 in Q3FY25. Return on assets remained stable at 1.09% for the quarter.

Key Ratio:	Q3FY26	Q3FY25
Capital Adequacy Ratio:	17.84%	18.00%
Basic EPS:	₹1.43	₹1.31
Return on Assets:	1.09%	1.10%
Net Worth:	₹10,59,708 lakhs	₹9,30,855 lakhs

The results were approved by the Board of Directors at their meeting held on January 15, 2026, and have been subjected to limited review by the bank's joint statutory auditors M/s. M.P. Chitale & Co and M/s. Borkar & Muzumdar.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+4.92%	+0.81%	+6.26%	+41.53%	+66.51%	+389.17%

South Indian Bank has announced its quarterly earnings conference call for investors and analysts to discuss the Q3FY26 financial results. The bank filed the announcement under Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015, scheduling the call for Friday, January 16, 2026.

Earnings Call Schedule and Leadership

The conference call is set for January 16, 2026 at 16:00 hrs IST to review the bank's unaudited financial results for the quarter and nine months ended December 31, 2025. The bank's senior management team will represent the institution during the call.

Position	Name
Managing Director & CEO	P R Seshadri
Executive Director	Dolphy Jose
Chief Operating Officer	Anto George T.
GM & Chief Financial Officer	Vinod Francis
GM & Company Secretary	Jimmy Mathew

Conference Call Access Details

Participants can join the earnings call through multiple access methods. The bank has provided comprehensive dial-in information to ensure broad accessibility for investors and analysts.

Access Method	Details
Diamond Pass Registration	https://services.choruscall.in/DiamondPassRegistration/register?confirmationNumber=2349487&linkSecurityString=128a86f7ba
Universal Access Numbers	+91 22 6280 1144 / +91 22 7115 8045
Singapore Toll Free	8001012045
Hong Kong Toll Free	800964448
UK Toll Free	08081011573
USA Toll Free	18667462133

Call Coordination and Support

ICICI Securities is coordinating the conference call, with Jaideep Goswami, Head of Equities, serving as the primary call coordinator. Multiple contact persons have been designated to assist participants with any clarifications or technical support needed for the call.

The coordination team includes:

Jaideep Goswami (Head of Equities): jaideep.goswami@icicisecurities.com
Jai Mundhra: +91 22 6807 7572, jai.mundhra@icicisecurities.com
Minali Ginwala: +91 22 6807 7454, minali.ginwala@icicisecurities.com
Rushad Kapadia: +91 22 6807 7334, rushad.kapadia@icicisecurities.com
Seema Sehgal: +91 9871116926, seema.sehgal@icicisecurities.com

Regulatory Compliance

The announcement was made through a formal communication dated January 12, 2026, addressed to both the National Stock Exchange of India Limited and BSE Limited. The bank's Company Secretary Jimmy Mathew digitally signed the regulatory filing, ensuring compliance with listing obligations. The information has also been made available on the bank's official website at www.southindianbank.bank.in for broader stakeholder access.