PHOTO

Investor Presentation
Q4-FY2022
 Safe Harbour

No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or corr
ectness 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”, inclu
ding those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects, and future develop
ments 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 Company’s business, its competitive environment and political, econ
omic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, fin
ancial 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 cha
nge 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.

2 Bank on Us
 Transformation Journey
Oct 2020 - Mar 2022

CASA Deposits Added Rs. 6,500 Cr of CASA deposits; CASA ratio improved to 33.2% (+540 bps)

Advances (New Book) New book of Rs. 22,750 Cr with NIM of 3.7%, GNPA of 0.01% & SMA2 of 0.35%

Capital adequacy CRAR improved by 192 bps to 15.86% at Mar 31, 2022

Provision coverage ratio PCR (incl write off) improve by 1082 bps to 69.55% compare to 58.73% at Mar 2021

Recovery & upgrades Recovered & upgraded Rs. 1,972 Crs from GNPA and technical w/off accounts

Digital adoption Digital transactions have gone up from 83% to 93% since the outbreak of pandemic

3 Bank on Us
 Consolidation of Advances
Churned about 37% of overall loan book since October 1, 2020

Rs. in crores Old Book New Book Total Book  Achieved record disbursements of Rs.
24,533 Crs in FY 2022 led by Corporate
Loan book 39,064 22,752 61,816
of Rs. 10,247 Crs and Gold of Rs. 7,998

Large Corporate (A+ rated) 71% 100% 89% Crs

 Zero slippages & SMA 2 in the
Yield 8.92% 8.03% 8.73% new Corporate Book
 Avg overall ticket size has decreased from
SMA 1 903 248 1,151
Rs. 17 lakhs as at Sep 30, 2020 to less
SMA 2 813 79 892 than Rs. 14 Lakhs as at Dec 31, 2021
 Personal loan book increased by 110% to
GNPA 3,645 3 3,648
Rs. 932 Cr with yield of 14% on new
Net NPA 1,777 1 1,778 book

4  Till date, issued 70,000+ credit

Bankcards
on Us

with outstanding book of 200 Cr

 Concentrated efforts in recoveries and collections
Recoveries & Upgrades at all time high Sequential improvement in SMA2 book
Rs. in crores 1,307 Rs. in crores
2,139
1,840

1,330
410
348 324 892

FY2019 FY2020 FY2021 FY2022

Jun-21 Sep-21 Dec-21 Mar-22
Note: It excludes recoveries from technical written off accounts

Significant improvement in PCR Net NPA below pre-covid level

69.6% 6.97%

58.7% 5.90%
54.2% 4.92% 4.98%
51.27% 4.71%
42.5%
3.45% 3.34%
34.1% 34.1% 2.97%
30.9%

Mar-19 Mar-20 Mar-21 Mar-22 Mar-19 Mar-20 Mar-21 Mar-22

PCR (excl w/off) PCR (incl w/off) GNPA Net NPA
5 Bank on Us
 Key highlights for Q4-2022
 Reported highest quarterly profit after tax of Rs. 272 crores during Q4-2022
 Recovery and upgrade of Rs. 412 crores was higher than slippages of Rs. 345 crores
 Net Interest Margin improved by 16 bps QoQ to 2.80% in Q4-2022
 Provision coverage ratio improved by 1082 bps YoY to reach 69.55%
 GNPA ratio improved by 107 bps YoY to 5.90% and Net NPA ratio improved by 174 bps YoY to 2.97%
 Gold loan continue to grow consistently and rose 20% YoY to Rs. 10,766 crores
 Share of A & above rated large corporates improved from 63% in Mar 2021 to 89% in Mar 2022
 CASA amount increased by 20% YoY to Rs. 29,601 crores; CASA ratio improved by 125 bps QoQ to 33.2%
 NRI deposits has grown consistently to Rs. 27,441 crores
 Remittance business grew by 36% YoY
 Core fee income grew by 14% YoY to Rs. 142 crores
 About 93% of banking transactions are done digitally
 Mobile banking transactions volume increased by 97% YoY to 64 million transactions
 Capital adequacy position continued to be robust with CRAR of 15.86% and Tier I ratio of 13.22%

Bank on Us
 Operating Performance

Deposits Retail Deposits CASA Advances

FY22: Rs.89,142 Cr FY22: Rs. 85,320 Cr FY22: FY22: Rs.61,816 Cr
+ 8% + 10% Rs.29,601 Cr 4%
FY21 Rs. 82,711 Cr FY21: Rs.77,857 Cr +20% FY21 Rs. 59,418 Cr
FY21 Rs.
24,590 Cr

NII Operating Profit Provisions PCR

FY22: Rs.2,240 Cr FY22: Rs.1,248 Cr FY22: Rs.1,340 Cr FY22: 69.55%
- 7% - 25%1 - 15% + 1082 bps
FY21: Rs. 2,407 Cr FY21: Rs. 1,662 Cr FY21: Rs. 1,575 Cr FY21: 58.73%

1 Decrease in operating profit in FY22 is mainly due to depreciation on Investments amounting to Rs 264 Cr (previous year we had an appreciation of Rs.44 Cr)
7 Bank on Us
 Profit & Loss Overview (Standalone)

Rs. in Crore Q4-FY22 Q4-FY21 Y-o-Y (%) Q3-FY22 Q-o-Q (%) FY22 FY21 Y-o-Y (%)

Net Interest Income 598 561 7% 573 4% 2,240 2,407 -7%

Non Interest Income 204 4`5 -53% 222 -8% 1,034 1,229 -16%

- Core Fee Income 142 125 14% 127 11% 477 403 18%

- Treasury & Forex1 (52) 210 - 44 - 126 511 -75%

- Other 114 100 15% 51 126% 431 315 37%

Total Income 802 995 -19% 795 1% 3,274 3,636 -10%

Operating Expenses 514 528 -2% 515 0% 2,026 1,974 3%

Operating Profit 288 467 -44% 280 3% 1,248 1,662 -25%

Provisions & Contingencies 78 456 -83% 346 -78% 1,340 1,575 -15%

Profit Before Tax 210 11 - (66) - (92) 87 -

Provision for Tax (62) 4 - (16) - (137) 25 -

Profit After Tax 272 7 - (50) - 45 62 -27%

1. Includes depreciation on Investments

8 Bank on Us
 Net Interest Income
Quarterly
(Rs. in Crore)
NII NIM Cost Of Deposits Yield on Advances Cost Of Funds Yield on Funds
2.80%
2.61% 2.55% 2.64%
2.49%
8.76 8.77 8.78 8.80 8.55
7.12 6.82
598 6.47 6.53 6.59
561 542 527 573
5.22 4.96 4.78 4.56 4.40 4.29
4.84 4.67 4.54 4.18

Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22

Cumulative
(Rs. in Crore)
NII NIM
Cost of Funds Yield on Funds
2.62% Cost Of Deposit Yield on Advances
2.71%
2.56% 9.04 8.77 8.78
2.55% 8.79
2.52% 7.41
2,407 8.73 6.82 6.62 6.58 6.57
2,240
1,642
5.43 4.97 4.56 4.46 4.40 4.33
1,069 4.96 4.90 4.82 4.75
542
20%
FY21 Q1FY22 H1FY22 9MFY22 FY22 FY21 Q1FY22 H1FY22 9MFY22 FY22 FY21 Q1FY22 H1FY22 9MFY22 FY22

9 Bank on Us
 Non-Interest Income
Core Fee Income Treasury & Forex Income1
(Rs. in Crore) (Rs. in Crore)

142

127 251
124
117
64
49 92 53
46 167

35
237

151
75 71 74 78 61
57 52
47 37 26
10
16 14 16
14 16
Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q4 FY21 Q1 FY22 Q2 FY22 Q3 Q4 FY22
FY22
Transaction Technology Forex
Profit from sale of Investment
1. Excludes depreciation on Investments
10 Bank on Us
 Operating Efficiency
Employee Additions Cost-to-Income Ratio1
805 82.1

-133 113
56 64.8
155 64.1
55.5
Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 48.8

Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4

FY22
1. Ratio restated to give effect to new RBI directions on treatment of Depreciation on
Investments
Business per Employee Business per Branch
17.8 (Rs. in Crore) 167 165
(Rs. in Crore) 18.0 16.2 16.0 15.9 153 154 155

Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22

11 Bank on Us
 Provisions
(Rs. in Crore)

Particulars Q4 FY22 Q3 FY22 Q4 FY21

For NPA & NPI 118 279 719

For Standard Assets 25 40 (290)

For Restructured Advances/Sacrifices & FITL (19) 28 31

For Unhedged Forex Exposure - - (4)

Others (46) (1) 1

Taxes (62) (16) 4

Total Provisions 16 330 460

12 Bank on Us
 Balance Sheet Overview (standalone)
(Rs. in Crore)

Particulars Mar 2022 Mar 2021 Y-o-Y (%) Dec 2021 Q-o-Q (%)

Capital & Liabilities 1,00,052 94,149 6% 98,000 2%

Capital 209 209 - 209 -
Reserves and Surplus 5,645 5,600 1% 5,373 5%
Deposits 89,142 82,711 8% 88,348 1%
Borrowings 3,294 4,108 -20% 2,298 43%
Other Liabilities & Provisions 1,761 1,521 16% 1,772 -1%
Assets 1,00,052 94,149 6% 98,000 2%
Cash & Balances with RBI 3,677 3,305 11% 4,074 -10%
Balances with Banks 7,527 5,463 38% 9,677 -22%
Investments 21,445 20,321 6% 20,069 7%
Advances 59,993 58,056 3% 57,409 5%
Fixed Assets 811 795 2% 795 2%
Other Assets 6,599 6,209 6% 5,978 10%
Business (Advances + deposits) 1,49,135 1,40,767 6% 1,45,757 2%
Current Accounts 4,862 4,321 13% 4,660 4%
Savings Accounts 24,740 20,269 22% 23,569 5%
CASA Ratio 33.21% 29.73% - 31.95% -
13 Bank on Us
 Key Metrics – Quarterly

FY21 FY22
Particulars
Q4 Q1 Q2 Q3 Q4

Net Interest Margin (NIM) 2.61% 2.55% 2.49% 2.64% 2.80%

CRAR Basel III 15.42% 15.44% 15.75% 15.68% 15.86%
RoAA (Annualized) 0.03% 0.04% - - 1.10%
Provision Coverage 58.73% 60.11% 65.02% 68.08% 69.55%
CASA 29.73% 30.40% 30.82% 31.95% 33.21%
Gross NPA 6.97% 8.02% 6.65% 6.56% 5.90%
Net NPA 4.71% 5.05% 3.85% 3.52% 2.97%
Book Value per Share (Rs.) 27.7 27.8 27.0 26.7 28.0
Earnings per Share (Rs.) (Annualized) 0.34 0.20 - - 0.21
Customer Touch Points
Kerala 502 500 500 500 499
South Ex Kerala 276 273 273 273 273
Rest of India 151 151 151 151 156
Total 929 924 924 924 928
14 Bank on Us
 Deposits
Deposits
Rs. in Crore
Mar 2022 Mar 2022 Mar 2022
85,320 3,821 89,142

-21%
10% 8%
77,857 4,853 82,711
Mar 2021 Mar 2021 Mar 2021
Retail Deposit Bulk Deposit Total Deposits

CASA Deposits
Rs. in Crore Mar 2022
Mar 2022 Mar 2022
4,861 24,740 29,601

12% 22% 20%

4,321 20,269 24,590
Mar 2021 Mar 2021 Mar 2021

Current Deposit Savings Deposit Total CASA

15 Bank on Us
 Well Distributed Deposit Base
Breakup of Deposits Break Up of Non-Resident Deposits
Rs. in Crore Rs. in Crore
86,840 88,348 89,142
82,711 84,611
Mar Jun Sep Dec Mar
Deposit Type
2021 2021 2021 2021 2022

NR SB 6,065 6,566 6,535 6,824 6,980

55,922 55,719
54,250 55,630
53,268
NR CD 38 41 45 49 50

FCNR (B), RFC & Others 1,694 1,668 1,607 1,551 1,814

Low-Cost NRI Deposit 7,797 8,275 8,187 8,424 8,844

22,403 23,569 24,740 NRE Term Deposit 17,317 17,644 17,873 17,941 17,781
20,269 21,551

NRO Term Deposit 741 744 763 780 816

4,321 4,174 4,370 4,660 4,861
4,853 4,636 4,437 Total NRI Deposit 25,855 26,663 26,823 27,145 27,441
4,197
Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

Bulk Current Savings 3,822Term

Retail

16 Bank on Us
 Digital Banking
Digital vs Branch Transactions (no of transactions in Lakhs)

2000.0 93.3% 94.0%

92.9%
1563.9 93.0%
1146.7
1500.0 92.1% 92.1% 1363.7
92.0%
1000.0
929.8 841.0 91.0%

89.8% 90.0%
500.0
105.7 99.0 103.6 113.1 89.0%
72.1
0.0 88.0%
Mar-21 Jun-21 Sep-21 Dec-21 Mar-22
Transactions Through Branch Transactions Through Digital Channel % Digital Share

Internet Transaction Volume Mobile Transaction Volume Debit Card Transaction Volumes
(000)’s (000)’s In Millions
1,662 1,669 29.3
1,546 1,599 25.9 26.3
63,657 27.9
57,102
1,252 21.1
45,650
32,263 33,659

Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Mar-22 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22
Mar-21 Jun-21 Sep-21 Dec-21

17 Bank on Us
 Composition of Loan Book
Segment wise Break Up of Total Loan Book Loan Book (Excluding Corporate)
Rs. in Crore

19% 27% 44,697 44,092 43,787 44,144 44,891

Corporate
Personal Segment
Business Loans
30% Agriculture
24%

Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

Break up of Loan book Loan Book Across Regions

Mar-21 Dec-21 Mar-22
Rs. in Crore Rs. in Crore Mar-21 Dec-21 Mar-22
Number Value Number Value Number Value

Less than 5 Cr 3,82,050 32,408 3,96,525 32,293 4,29,115 33,833 Kerala 26,355 25,841 25,978
5 - 25 Cr 1,502 12,511 1,313 11,045 1,361 11,368
South Ex-Kerala 20,239 20,460 21,347
25 - 100 Cr 188 7,179 181 6,899 136 6,100
More than 100 Cr 23 3,177 24 5,106 35 6,867 Rest of India 12,824 12,925 14,491
Total 3,83,763 55,275 3,98,043 55,343 4,30,647 58,168
Gross NPA 9,073 4,143 7,641 3,883 7,690 3,648 Total 59,418 59,226 61,816
Gross Advances 3,92,836 59,418 4,05,684 59,226 4,38,337 61,816
18 Bank on Us
 Gold loans
Consistent traction in Gold loans…
(Rs. in Crore)

+20% 10,766
9,862
9,364 9,471
8,999

8,151
6,722 7,146
6,411 6,669

2,588 2,695 2,749 2,716 2,615

Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

Agri Retail
19 Bank on Us
 Personal Segment
Personal Segment Loans
Rs. in Crore

14,818 14,675 14,380 14,736 14,612

1,225 1,265 1,392
1,236 1,761
1,115 1,103 1,150
1,111
961 1,151
902 856 1,309
1,247

3,541 3,414 3,240 3,094

2,884

2,588 2,695 2,748 2,716 2,615

5,388 5,296 5,189 5,075 4,954

Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

Housing Gold Mortgage Loans Vehicle Loans Loan against Deposit Others

20 Bank on Us
 Business loans
Business Loans (Less than Rs. 25 Crore exposure) MSME Loan Book by Geography
Rest of
Rs. in Crore Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 India
19%
Kerala
MSME/SME 15,084 14,509 14,008 13,576 13,391 44%

Others 4,372 4,401 4,746 4,789 4,958

South (Ex-
Kerala)
Total 19,456 18,910 18,754 18,365 18,349 37%

Average MSME Loan / Account MSME strategic initiatives

(Rs. in Lakhs)
• Co-lending platform & Fintech tie up for instant Business
49.8 50.4 49.9 49.1 48.2
Loans

• Decentralization of MSME credit processing centre with

regional CPCs

• SIB MSME Integrated Lending Engine (SMILE) for MSME

proposals upto Rs.2 crores launched in 9 pilot regions with
Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 focus on quality, ease & credit process transformation
21 Bank on Us
 Corporate lending
Corporate Loan Book Standard Large Corporate Advances (Rs.100 Cr and above )
(Rs. in Crores) (Rs. in Crores)
10,592 10,146 9,997
16,925 9,437
14,721 14,227 14,522 15,082 25
22 6,516 6,867
18
15 3,177
10 11

Mar-21 Jun-21 Sep-21 Dec-21

Mar-22 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22
% of total Advances Large Corporate Advances

Rating Profile of Large Corporate Loan Book (in %)

15.6 13.2

37.6 40.0 37.5

30.2
34.6
Standard Advances above Rs. 100 Cr. AAA
(External Rating) 12.8 27.2 AA
12.4 27.1
39.0 A
10.6 BBB
31.7 15.2
26.8 <BB
14.5 12.9 B
8.4
4.7
10.5 12.1 10.1 9.3 5.9
1. Does not include exposure to unrated state
22 government owned entity Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Bank on Us
 Slippages & collection efficiency
Segment wise NPA slippages Collection efficiency

Rs. in Crore Q4-2022

102.2%
100.6%
Agriculture 76
95.1%
Business Loans 171

Personal Segment 51 87.7%

Corporate 47

Total 345 Q1-2022 Q2-2022 Q3-2022 Q4-2022

Segment wise GNPA

Rs. in Crore Q4-2021 Q1-2022 Q2-2022 Q3-2022 Q4-2022
Agriculture 370 415 515 537 536

Business Loans 1,710 2,084 2,045 2,116 1,993

Personal Segment 478 673 668 599 510

Corporate 1,585 1,505 652 631 609

Total 4,143 4,677 3,880 3,883 3,648

23 Bank on Us
 Non-Performing Assets
Gross NPA Net NPA
In % 8.02 In %
5.05
6.97 4.71
6.65 6.56 4.8
5.90 3.85
3.52
3.3 2.97

1.8
Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

Gross NPA Movement Net NPA Movement

Rs. Cr. Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Rs. Cr. Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

Opening 3,103 4,143 4,677 3,880 3,883 Opening 1,305 2,735 2,855 2,179 2,019

Additions 2,123 883 535 396 345 Additions 1,721 732 371 286 246

Deductions 1,083 350 1,332 393 580 Deductions 292 612 1,047 446 487

Closing 4,143 4,677 3,880 3,883 3,648 Closing 2,735 2,855 2,179 2,019 1,778

24 Bank on Us
 Stressed Assets
Restructured Standard Advance Sector Break up
(Rs. in Crores)
2,567 On Account of MSME
2,417 Restructuring
2,310
17%
1,899 26% General - DCCO
Extention
4%
1,277 OTR COVID Personal Segment
13%
OTR COVID MSME

40% OTR COVID Corporate

Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

Covid One Time Restructuring (OTR) Security Receipts

(Rs. in Crores)
Rs. in Crore Covid 1.0 Covid 2.0 Total
Security Receipts Outstanding as on Mar 31, 2022
MSME 332 648 980
Book Value Provision NAV
Personal loans 12 293 305
1,591.1* 888.1 703.0
Other exposures 540 88 628
*of which Rs.821 Crore pertains to a single pool and this pool now holds a
Total 884 1029 1,913 provision coverage of 71.3%

25 Bank on Us
 Capital Composition
Risk Weighted Assets BASEL III

Rs. in Crore Mar 31, 2022 Dec 31, 2021 15.86

15.42 15.47 15.75 15.68

Total Capital 7,207.7 15.86% 7,151.5 15.68%

- Tier I 6,050.9 13.22% 5,803.3 12.72%

- Of which CET1 5,550.9 12.13% 5,303.3 11.63%

12.79 12.73 12.78 12.72 13.22

- Tier II 1,206.8 2.64% 1,348.2 2.96%

Risk Weighted
Assets 45,743.6 45,598.0

The total Capital Adequacy Ratio is well above the minimum regulatory
requirement of 11.50%
2.63 2.74 2.97 2.96 2.64

Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4 FY22

Tier 1 Tier 2

26 Bank on Us
 Investments
Investment Book
Mar 21 Dec 21 Mar 22
Details Rs. in Modified Modified Modified
Crore Duration Rs. in Crore Duration Rs. in Crore Duration
HTM 17,792 4.47 18,585 3.25 19,365 3.04
AFS 3,373 0.97 2,455 1.70 3,036 0.97
HFT 16 - 26 0.02 132 1.67
Total 21,180 4.19 21,066 3.20 22,534 2.91

SLR & NON-SLR

Rs. in Crore Mar-21 Jun-21 Sep-21 Dec-21 Mar-22

SLR 18,951 18,944 20,567 18,485 19,360

NON-SLR 2,230 2,388 2,489 2,581 3,174

Total 21,180 21,333 23,056 21,066 22,534

27 Bank on Us
 Wide network and young work force
Total Employees
01
Q4 FY22: 9,232
01
Q3 FY22: 9,077

04 01 01 Experienced Work Force

05 26

11 01
02 02 01 15%
02 01 2%
35%
02 01
04 19 01 18%
20
03
03

39 30%
42

5 No of < 1 Year 1-2 Years 2-5 Years 5-10 Years > 10 Years
22 Classification
58 Branches1
04 Metropolitan 195 Legacy Customer Base of 70 lakhs
499
148 Semi-Urban 459
Branches1 ATM
Urban 172
Q4 FY22: 929 Q4 FY22: 1,270
Rural 103 Q3 FY22: 1,293
Q3 FY22: 925
Total 929
*Map for illustration purpose 1. Includes extension counters converted as Administratively Independent Outlets w.e.f 01.04.2021 & excludes 3 USBs & 3 Satellite branches operated by Business
only Correspondent. Bank on Us
28
 Awards & Recognitions
“Business leader of the year award, 2022” in the category SIB’s Legal Team won the runner-up award in the 11th Annual
of ‘Workplace and People Development’ by CMO Asia Legal Era –award in the category of Banking and Finance.

Indian Banking
Association (IBA)
Banking
Technology
Awards 2022

Mr. Anto George T has been awarded with the “Most 202
South Indian Bank wins the FINNOVITTI 2022 Awards from
Admirable BFSI professional Award” from World BFSI 2 Banking Frontiers
Congress

Best Technology Bank of the Year

Best Use of AI/ML & Data
Analytics
Best IT Risk Management & Cyber
Security Initiatives
Best Fintech Adoption
Best Payment Initiatives All Private
Banks - Runner up

29 Bank on Us
 Strong Management Team (1/2)
Mr. Murali Ramakrishnan, MD & CEO
• Post Graduate Diploma in Finance and Marketing from IIM Bangalore; More than 32 years of experience in Retail & MSME Credit, Risk Management Policy and Business Intelligence Unit.
• Previously, Head SME, Head Credit & Risk and Regional Head International Banking Group of ICICI Bank.

Mr. Thomas Joseph K, EVP and Group Business Head

• Bachelors Degree in Engineering and Diploma in Management & CAIIB. Associated with SIB for 37 years.
• Managed various portfolio including Credit, Risk Management, Technology, Marketing, Corporate Financial Management, Regional Head, and Human Resource.

Mr. Anto George T, SGM- HR & Admin

• MBA in Human Resource management, Associated with SIB for more than 26 years.
• Head of HR, Handled Branch banking, Internal Audit & Vigilance, Fraud Management, Regional Head and Retail Banking.

Mr. Sanchay Kumar Sinha, SGM & Country Head – Liabilities & Branch Banking
• More than 30 years of extensive experience in retail distribution and institutional sales in industries like financial services, logistics and office automation.
• Associated with HDFC Bank, IndusInd Bank & Mahindra & Mahindra Ltd; Prolific experience in distribution and product management through branches, direct sales, telesales and partners

Mr. Sony A, GM & CIO

• Certified Information Systems Auditor from ISACA, USA and MBA. Over 26 years of experience in banking technology. Instrumental in setting up key systems like Business Process
• Management tools, CRM systems, Treasury & Risk Management. Leads the payment channels such as UPI, IMPS, Bharat QR, Bhim Aadhaar etc in the Bank.

Ms. Minu Moonjely, GM Credit

• Associated with SIB for more than 26 years. Head of Credit
• Vast experience across business functions like Credit underwriting, Branch Banking, Corporate Finance & Forex. Headed largest MSME region of the Bank

Ms. Biji S S, GM & Head Corporate Business

• MBA in Human Resource Management. Associated with SIB for more than 26 years. Head of Corporate Business
• Managed relationship with mid and large corporate clients in various regions of the Bank and vast experience in Branch banking. Successfully lead the largest region of the Bank..

30 Bank on Us
 Strong Management Team (2/2)
Mr. Nandakumar G, GM & Head SME Business
• Associated with SIB for more than 26 years. Head of SME business
• Vast experience across business functions like Branch/RO management, Retail Banking including Bancassurance and Marketing. Headed three large metro regions of the Bank.

Ms. Chithra H, GM & Chief Financial Officer

• Fellow member of the Institute of Chartered Accountants of India & Certified Associate of the Indian Institute of Banking & Finance.
• Associated with SIB for over 26 years. Rich experience in the field of Finance, Compliance, Treasury Back office, Branch operations and Regional Head.

Mr. Thallam Sreekumar, GM & Head Unsecured Products

• More than 25 years of experience spanning across various asset and liability business lines. Head of PL/VL/Unsecured Loans and Credit cards
• Associated with ICICI Bank for more than 16 years and was Zonal Head of ICICI Bank for South India Region.

Mr. Harikumar L, GM & Head Branch Banking

• More than 16 years of experience in the field of Branch Banking, Wealth Management and Retail Banking strategy.
• Head of Branch Banking. Previously associated with Axis Bank as Business & Operation Head of Chennai Circle comprising of 135 Branches.

Mr. Abey Abraham, GM -Housing Loan Business Group

• Chartered Accountant with business management and associated with ICICI Bank for 17 years.
• Managed profiles like National Head – Key account management, South Head – Housing loans & Mortgages with creation of distribution and channel networks.

Mr. Senthil Kumar, GM & Head Recovery & Collections

• Management graduate with 27 years of experience in banking and finance
• 21 years of experience with ICICI Bank across Sales, Credit, Product, Recovery and Collection functions

Mr. Sivaraman K, GM & Head Business Operations Group

• Associated with SIB for more than 26 years.
• Rich experience in Branch Banking, Headed major regions of the bank, Credit Policy, Mid / Large Corporate CPC’s.
31 Bank on Us
 For further information, please contact:

The South Indian Bank Ltd.

CIN - L65191KL1929PLC001017
Ms. Chithra H, CFO
chithra@sib.co.in
Mr. Vinod Francis, Joint General Manager
vinodfrancis@sib.co.in
Mr. Chetan Parmar, Head IR
chetanparmar@sib.co.in
Mr.Prashanth George Tharakan
prashanthgt@sib.co.in

www.southindianbank.com

32 Bank on Us
 THANK YOU

33 Bank on Us