Investor PresentationJanuary - 2018

2

Safe Harbor

No representation or warranty, express or implied is made as to, and no relianceshould be placed on, the fairness, accuracy, completeness or correctness of suchinformation or opinions contained herein. The information contained in thispresentation is only current as of its date. Certain statements made in thispresentation may not be based on historical information or facts and may be “forwardlooking statements”, including those relating to the Company’s general business plansand strategy, its future financial condition and growth prospects, and futuredevelopments in its industry and its competitive and regulatory environment. Actualresults may differ materially from these forward-looking statements due to a numberof factors, including future changes or developments in the Company’s business, itscompetitive environment and political, economic, legal and social conditions in India.This communication is for general information purpose only, without regard tospecific objectives, financial situations and needs of any particular person. Thispresentation does not constitute an offer or invitation to purchase or subscribe forany shares in the Company and neither any part of it shall form the basis of or berelied upon in connection with any contract or commitment whatsoever. TheCompany may alter, modify or otherwise change in any manner the content of thispresentation, without obligation to notify any person of such revision or changes. Thispresentation can not be copied and/or disseminated in any manner.

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Contents

About Us

Q3 FY18 Highlights

Performance Matrix

Next Generation Bank

An Inflection Point

Business Strategy

4

Q3 FY18 Highlights

5

Award Wins

Won Digital India Excellence Award 2017

Digital India Excellence Award 2017 for its innovation in mobile app ‘Digital e-lock’ in the 5th PAN-IIM World Management Awards 2017

6

Key Performance Highlights- Q3 FY18

16%7%

Deposits

68,109

63,595

Q3 FY18

Q3 FY17

Advances

52,449

45,234

Q3 FY18

Q3 FY17

CASA

16,929

16,486

Q3 FY18

Q3 FY17

3%

Net Interest Income

Q3 FY18

Q3 FY17

509

418

22%

Q3 FY18

Q3 FY17

Other Income*

159

259

39%

Rs Crs

PAT

115

111

Q3 FY18

Q3 FY17

3%

PPOP*

330

377

Q3 FY18

12%

Q3 FY17

*De-growth is mainly due to declining treasury trading profit from Rs. 127 cr of Q3 FY17 to Rs. 11 cr of Q3 FY18

Bank has also decided to augment the paid-up capital by issue of upto 20 cr equity shares of FV of Re.1 each

through QIP

7

Business Strategy

8

Our Strategy…

• Focus on retail loan products

• Efficient branches for faster processing of loans

• Continuous training of work force

• Advanced technology for ease of customers

• Invest in Brand Building

Expand Retail

Business

• Cluster based approach in industry hubs

• Sole Banker to SMEs for all banking needs

• Dedicated vertical to penetrate SME banking

Strengthen SME Base

• Strategy & Road map in place to increase CASA funds

• Centralized processes allowing branches to focus on garnering low cost funds

Improve CASA

• Granulize loan portfolio to spread out risk

• Cautious approach on large corporate lending

• Special recovery cell for monitoring non performing and restructured assets

Enhance Asset

Quality

• Focus on increasing banking services for SME, Retail, NRI

• Enhance treasury capabilities & increase branch strength

• Expand PoS & ATM Network

• Leveraging technology to introduce modern & new-age banking products

Improve share of

other Income

9

…Performance in Line with Strategy

INCREASE25% YoY

Expand Retail, SME & Agriculture Business

Rs. 32,523 Crs

Strengthen SME Base

Rs. 13,255 Crs

Improve CASA

Rs. 16,929 Crs

INCREASE25% YoY

INCREASE3% YoY

Enhance Asset Quality(Restructured Book)

Rs. 509 Crs

DECREASE61% YoY

Improve share of other Income

Rs. 148* Crs

INCREASE12% YoY

*Other Income of Rs. 148 crore excludes profit on sale of investment

10

Shall continue to focus on Core Strengths

01 Increase …

CASA

02 Retail Business …

More Products

03 SME Business …

Sole Banker

04 Improve

NIM

05 Increase…

Fee Income

06 Sustainable…

Asset Quality

RetailRelationships

SMERelationships

11

...Increase Retail & SME Business

• Enhanced risk management

• KYC compliance and fraud prevention tools

Loan Processing

• Penetrate further in the existing set of Customers

• Faster Sanctions

Retail Business

• Focus on particular geographies and open additional branches

• Improve Branch Profitability

Branch Profitability

Centralized Marketing & Processing

Centre (Kochi)

01 02 03

Retail Hub

• Home Loan• Auto Loan• MSME Loan• LAP

Cluster Branches

12

…by focus on Housing Loans in Retail

2,828 2,903 2,993 3,122

1,290 1,321 1,361 1,320

1,6062,085 2,041 2,017

2,622

3,127 3,252 3,292909

801986 1,047

1,154

1,3291,369 1,436

3,348

1,328

2,250

3,671

1,008

1,422

Jun-17

12,002 12,234

Sep-17 Dec-17

11,566

Dec-16

13,027

Mar-17

10,409

Retail Breakup

Others Service & Traders

LAD* Housing

Gold

Manufacturing

Housing: Key Initiatives

• Retail hub in Kochi to increase focus on housing finance

• Two more hubs to be set up – one in South India and one in North India

• Branch staff being given specific training to market mortgage loans

• Marketing initiative through TVCs

• Tailor made products for different segments

Oct to Dec 2017

• Mortgage Loans Sanctioned : 2,820 Nos.

• Amount of Mortgage Loans Sanctioned – 950 Crs

Rs Crs

*LAD = Loan against deposits

13

…becoming a Banker of Choice to SMEs

SME Loan Book by Geography – Q3 FY18

• Dedicated JGM appointed to ensure focus and better coordination with regions

• Focused ‘Green Channel’ branches to drive faster loan growth to SMEs

• Target to become banker of choice to SMEs thereby getting other business as well –liabilities, vehicle finance, etc.

• Ongoing training (in-house as well as external)

SME Highlights

Average SME Loan / Account

23.50

21.25

19.69

17.66

16.10

Dec-17Dec-16 Mar-17 Jun-17 Sep-17

Rs Lakhs

Kerala42%

South (Ex-Kerala)

32%

Rest of India26%

14

…with the help of our Branch Network

Branch Location*No of

Branches

Kerala 463

South India (Ex-Kerala) 246

Rest of India 142

Total 851

Total Branch Network

Total ATM Network

851850834822794738

FY15FY14FY13

+3.6%

9M FY18FY16 FY17

1,3701,3201,2871,200

1,000800

9M FY18

+13.3%

FY14 FY15FY13 FY17FY16

*Map for illustration purpose only

15

… and our Experienced Employees

Total Employees: 7,364*

10%

3%

30%

33%

24%

< 1 Year 1-2 Years 2-5 Years

5-10 Years > 10 Years

Employee Addition

279

19183

Jun-17Mar-17Dec-16 Sep-17

6,983

7,364

6

ClosingDec-17

*Full-time officers and clerks.

16

Performance Matrix

17

Strong Deposit Franchise

Core & Non-Core Deposits

CASA Deposits

5%

Core Deposit Non-Core Deposit Total Deposit

Dec-17 Dec-17

Dec-16 Dec-1653,823

56,640

63,595

68,109

7%

Current Deposit Savings Deposit Total CASA

Dec-17 Dec-17 Dec-17

Dec-16 Dec-16 Dec-16

2,946 13,540

13,799

16,486

16,929

6% 2% 3%

3,129

Rs Crs

Rs Crs

17%

Dec-17

Dec-169,772

11,469

18

Core Deposits Growing...

Breakup of Deposits

9,693 11,874 10,043 11,039 11,435

13,54012,994 13,522 13,526 13,799

37,41538,498 39,162 39,618 39,746

3,1293,064

Sep-17 Dec-17Jun-17

68,10967,142

2,959

65,791

Mar-17

2,753

66,117

Dec-16

63,595

2,946

Savings CurrentTerm Others*

CASA Deposit

16,929

13,799

3,129

+3%

16,486

Dec-16 Dec-17

13,540

2,946

Term Deposits

39,74637,415

+6%

Dec-16 Dec-17

Rs Crs Rs Crs

Current Savings

Rs Crs

*Others includes: Bulk, Certificates of Deposits

19

NRI Deposits Growing…

25.9

23.8 25.2 24.6 24.9

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

CASA NRI Deposits

18,37517,850

17,38916,82116,317

Dec-16 Sep-17Jun-17 Dec-17Mar-17

In (%)Rs Crs

20

Break Up of Non Resident Deposits

Deposit Type (Rs Crs) Q3-FY 17 Q4-FY 17 Q1-FY 18 Q2-FY 18 Q3-FY 18

NRE SB 2,888 2,908 3,089 3,106 3,212

NRO SB 482 508 520 539 603

FCNR (B), RFC & Others 1,287 1,446 1,508 1,568 1,598

Low Cost NRI Deposit (Sub Total)

4,657 4,862 5,117 5,213 5,413

NRE Term Deposit 11,191 11,453 11,767 12,130 12,427

NRO Term Deposit 469 506 505 507 535

Total NRI Deposit 16,317 16,821 17,389 17,850 18,375

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Composition of Loan Book

33,85131,84529,72829,183

27,252

Sep-17Jun-17Mar-17Dec-16 Dec-17

Corporate Advances (Above Rs 25 Crs)

Rs Crs

18,59817,87217,53617,90117,982

Mar-17 Jun-17 Sep-17Dec-16 Dec-17

Retail Advances

Rs Crs

Segment wise Break Up of Total Loan BookRs Crs

18,598 ,35.46%

11,699 , 22.31%

1,328 , 2.53%

13,255 , 25.27%

7,569 , 14.43%

Corporate

Retail Ex Gold

Gold

SME

Agriculture

22

Composition of Corporate Loan Book

74% of Corporate Loan Book is Investment Grade

Rs Crs

Segment wise Break Up of Corporate Loan Book > Rs.25 crore

Rs Crs Sept - 17 Dec - 17

Financial Intermediarias 4,062 4,208

Infrastructure 3,096 2,788

Cements & Products 1,057 951

Professional Services 960 710

Basic Metal & Metal Products 911 1,133

Textiles 681 686

Trade 498 434

Chemicals and Chemical Products 502 412

Food Processing and Agri Allied Activities

488 450

Construction 392 351

All Engineering 338 303

All other Manufacturing Industries 3,690 4,308

All Other Service Sectors 1,197 1,864

Total Corporate Portfolio 17,872 18,598

15.1%

35.0%

15.6%

Dec-17

18.6%

19.2%

0.2%

Sep-17Jun-17

18.3%

14.6%

0.5%

19.0%

15.1%

Mar-17

100.0%

18.9%

Dec-16

15.9%

100.0%

13.7%

33.0%

9.4%

32.8%

16.3%

28.1%

0.8%

38.3%

0.2%100.0%

21.2%

24.7%

0.1%

0.0%

100.0%

2.1% 2.7%

14.7%

3.0%10.3%

19.0%

100%

0.6%

11.2%12.0%

AAA BB

BBB

A

AA <BB

Unrated

23

Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%)

SMEAgriculture

11,69910,91410,64110,245

9,119

Dec-17Jun-17 Sep-17Mar-17Dec-16

1,328

Dec-16 Dec-17Sep-17Jun-17

1,290 1,3201,321 1,361

Mar-17

13,25512,42510,85110,98410,590

Dec-17Sep-17Dec-16 Mar-17 Jun-17

7,5697,1856,8766,6336,253

Dec-16 Sep-17Mar-17 Dec-17Jun-17

~16% of the Agriculture & SME

Loans are backed byAdditional Security

by way of GOLD

Retail Loans (Excl. Gold), Agriculture &

SME has grown by 25%

Rs Crs

Rs Crs

Rs Crs

Rs Crs

24

Advances growing Across Regions

17,548 18,221 18,689 19,762

14,054 14,693 15,03415,440

13,63214,170 13,541

14,515

21,576

15,975

14,898

Mar-17

45,23447,084

Dec-16

52,449

Dec-17Sep-17

49,717

Jun-17

47,264

South Ex- KeralaRest of India Kerala

Rs Crs

25

Net Interest Income - Quarter

Net Interest Income

509503461439418

Sep-17Mar-17 Jun-17 Dec-17Dec-16

Cost of Deposits & Yield on Advances

Net Interest Margin

2.882.952.802.742.66

Dec-17Jun-17Dec-16 Mar-17 Sep-17

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

5.97 5.72 5.62 5.42 5.40

8.32 8.16 8.14 8.067.97

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

Cost of Funds Yield on FundsIn %

6.53 6.33 6.24 6.05 6.01

10.32 9.97 10.06 10.03

9.88

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

Cost Of Deposit Yeild on Advances

26

Net Interest Income - Cumulative

Net Interest Income

1,473

964

461

1,675

1,236

Sep-17Mar-17 Jun-17 Dec-17Dec-16

6.75 6.64 6.24 6.14 6.10

10.59 10.43 10.06 10.059.99

Dec -16 Mar -17 Jun -17 Sept -17 Dec -17

Cost of Deposits Yield on Advances

Cost of Deposits & Yield on Advances

Net Interest Margin

2.872.872.802.722.72

Jun-17Dec-16 Mar-17 Sep-17 Dec-17

Cost of Funds & Yield on Funds

Rs Crs

In %

In %

6.20 6.06 5.62 5.52 5.46

8.63 8.50 8.14 8.108.04

Dec-16 Mar -17 Jun -17 Sept -17 Dec-17

Cost of Funds Yield on FundsIn %

27

Improving Operating Efficiency

48.53 49.20

44.1942.63

45.12

Dec -16 Mar -17 Jun -17 Sept -17 Dec -17

C/I Ratio

Business per Employee Business per Branch

14.514.114.313.813.5

Sep-17Jun-17Mar-17Dec-16 Dec-17

132130129120119

Jun-17Mar-17Dec-16 Sep-17 Dec-17

Employee Additions

5 -6

279

191

-83Dec -16 Mar -17 Jun -17 Sept -17 Dec -17

In %

Rs Crs Rs Crs

28

Sustainable Other Income

…Sustainable : Transaction Fees + Technology

22 27 30 29

4559 54 64

31

6767

Mar-17

86 84

Jun-17

94

Dec-17Sep-17Dec-16

98

Total Other Income led by ….

TechnologyTransaction Fees

Investment Book as on Dec-17

Rs Crs Rs Crs

12789 68

57

39110

4318

2511

9

Mar-17

8

Dec-17Jun-17 Sep-17

9

8

Dec-16

7

Other Profit on Sale of InvestmentsForex

Profit on Sale of Investments, Forex & Others

Rs Crs

159

280

219

138

259

Dec-17Jun-17 Sep-17Mar-17Dec-16

Details Rs. Crs M Duration

HTM 14,279 5.64

AFS 4,660 3.11

HFT 6 0.00

Total 18,945 5.20

29

Break Up of Provisions

Rs Crs Q3-FY 18 Q3-FY 17 Q2-FY 18

For NPA & NPI 229.8 167.0 120.5

For Depreciation on Investments 4.5 12.8 277.1*

For Standard Assets 6.5 1.9 13.9

For Restructured Advances/Sacrifices & FITL -0.3 -16.9 -0.2

For Unhedged Forex Exposure 0.5 -0.9 1.3

Others -86.7 42.7 41.1

Taxes 60.9 59.0 2.3

Total Provisions 215.2 265.6 455.9

Depreciation on Investments* moved up to Rs. 277 crore on account of the additional provision of Rs. 252 crore against the NPAs sold by the bank to an ARC during the previous year

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Non Performing Assets

Net NPA

2.52%

1.45%

2.54% 2.57% 2.35%

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

Gross NPA

3.98%

2.45%

3.61% 3.57% 3.40%

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

Net NPA MovementGross NPA Movement

Rs Crs Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

Opening 1,745 1,787 1,149 1,696 1,766

Additions 197 1,150 686 252 258

Deductions 155 1,788 140 182 249

Closing 1,787 1,149 1,696 1,766 1,775

Rs Crs Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

Opening 1,206 1,116 675 1,183 1,256

Additions 125 991 580 209 89

Deductions 216 1,432 72 136 134

Closing 1,116 675 1,183 1,256 1,211

31

Stressed Assets - QoQ

Gross Basis Net Basis

Rs Crs Q2-FY 18 Q3-FY 18 Q2-FY 18 Q3-FY 18

NPA 1,766 1,755 1,256 1,211

Restructured Standard Advance 252 248 252 248

Other Stressed Advances 0 0 0 0

Total Stressed Assets 2,018 2,023 1,508 1,459

Advances 49,446 52,184 48,931 51,615

Stressed Assets as % of Advances 4.08% 3.88% 3.08% 2.83%

We have ‘ZERO’ accounts in our Watchlist of Large Corporate Book

32

Restructured Advances Breakup

Restructured Assets Break-up

642

309240 252 248

653

262261 261 261

Jun-17Dec-16

1,295

Mar-17

501571

509

Sep-17

513

Dec-17

Restructured Standard Advance

Restructured NPA

Sector Standard Restructure – Q3FY18

77%

9%

14%

Infra Roads Construction EPC Others

Rs Crs

33

Restructured Standard Advance

Restructured Standard Asset BookRs Crs

193 - -

22 - -

37 1 -

Infra Roads

OpeningIncrease in

Existing Balance

Uday – SDLInvestments

Construction EPC

Others

-

-

-

Slippages to NPA

252 1 -Total -

190

22

36

Closing Balance

248

-

-

-

Fresh Addition

-

3

-

2

Decrease in Balance

5

34

Movement in Restructured Accounts

Movement in Restructured Accounts

5

1

509

Closure Including Write Off

Dec in Balance

Increase in Balance

Fresh Addition

513

Upgradation in Standard

Category

ClosingOpening

0 0

0

Shift of focus from Large Corporate

toSMEs

Defocusing from Power & Infra Sectors

Special Recovery Cell &

Asset Monitoring Cell

Rs Crs

35

Adequate Provisioning

NPA Provisioning

229.3

540.3

487.0

176.0

ClosingDeductionsAdditionsOpening

Provision Coverage

Ratio – 49.35%

Rs Crs

36

Fresh Slippages/Advance Ratios

SME Slippage

Retail Slippage

Corporate Slippage

0.11%

0.86%

0.61%

0.34% 0.38%

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

Agriculture Slippage

0.49%

0.90%

0.27%0.44%

0.18%

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

0.39%

0.64%

0.85%0.78%

0.18%

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

0.65%

2.37%

3.51%

0.53%0.00%

Dec-16 Mar-17 Jun-17 Sept-17 Dec-17

37

Well Capitalized to support Growth

BASEL III

In %

9.4

10.9 10.8 10.4

1.7

1.5 1.41.4

10.1

2.4

12.4

Jun-17Mar-17 Sep-17

11.712.1

Dec-16 Dec-17

11.1

12.5

Tier 2 Tier 1

• Bank has issued Non-Convertible, Redeemable, Unsecured, Basel III Compliant Tier 2 Bonds for inclusion of Tier 2 capital aggregating Rs. 490 crore

• Bank has also decided to augment the paid-up capital by issue of upto 20 cr equity shares of FV of Re.1 each through QIP

38

Balance Sheet Overview- Q3 FY18

Rs Crs Q3-FY 18 Q3-FY 17 Y-o-Y (%) Q2-FY 18 Q-o-Q (%)

Capital & Liabilities 79,314 71,446 11.01% 75,837 4.59%

Capital 181 135 33.59% 180 0.08%

Reserves and Surplus 4,940 4,141 19.28% 4,797 2.98%

Deposits 68,109 63,595 7.10% 67,142 1.44%

Borrowings 4,678 2,205 112.13% 2,116 121.12%

Other Liabilities & Provisions 1,406 1,369 2.70% 1,602 -12.19%

Assets 79,314 71,446 11.01% 75,837 4.59%

Cash & Balances with RBI 3,069 3,576 -14.18% 3,056 0.43%

Balances with Banks 584 1,420 -58.89% 532 9.75%

Investments 18,584 17,576 5.74% 18,208 2.07%

Advances 51,638 44,256 16.68% 48,954 5.48%

Fixed Assets 655 595 10.12% 651 0.56%

Other Assets 4,784 4,023 18.90% 4,435 7.85%

Business (Advances + Deposits) 1,19,747 1,07,850 11.03% 1,16,096 3.14%

Current Accounts 3,129 2,946 6.22% 2,959 5.77%

Savings Accounts 13,799 13,540 1.92% 13,526 2.02%

CASA Ratio 24.86% 25.92% -4.12% 24.55% 1.23%

39

Profit & Loss Overview- Q3 FY18

Rs Crs Q3-FY18 Q3-FY 17 Y-o-Y (%) Q2-FY18 Q-o-Q (%)

Net Interest Income 509 418 22.00% 503 1.23%

Other Income 159 259 -38.57% 280 -43.37%

Total Income 668 676 -1.16% 784 -14.74%

Operating Expenses 338 299 13.04% 323 4.52%

Operating Profit 330 377 -12.42% 460 -28.27%

Provisions (Ex-Tax) & Contingencies

154 207 -25.33% 454 -65.99%

Profit Before Tax 176 170 3.25% 7 2568.33%

Provision for Tax 61 59 3.24% 2 2581.50%

Profit After Tax 115 111 3.25% 4 2561.41%

40

Key Metrics- Quarterly

Particulars FY15 FY16 FY17 FY18

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3Net Interest Margin (NIM)

2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% 2.7% 2.8% 2.7% 2.7% 2.8% 2.9% 2.9%

CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.7% 11.1% 11.1% 12.4% 12.1% 11.7% 12.5%

RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.6% 0.7% 0.6% 0.4% 0.6% 0.02% 0.6%

Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.6% 46.1% 50.2% 55.1% 44.6% 44.1% 49.4%

CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.2% 22.8% 25.9% 23.8% 25.2% 24.6% 24.9%

Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% 4.0% 4.0% 4.0% 2.5% 3.6% 3.6% 3.4%

Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% 2.9% 2.8% 2.5% 1.5% 2.5% 2.6% 2.4%

Book Value per Share (Rs.)

25.9 26.5 27.1 26.6 27.1 27.8 28.5 28.5 30.0 30.8 31.6 26.9 27.7 27.6 28.4

EPS (Rs.) (Annualized) 3.8 3.0 2.9 2.3 1.9 2.3 2.6 2.5 2.8 3.0 3.1 2.6 2.3 0.1 2.5

Branches

- Kerala 439 440 441 444 447 447 447 449 453 454 455 463 463 463 463

- South India (Ex-Kerala)

230 232 233 239 242 244 244 245 245 245 245 246 246 246 246

- Rest of India 132 133 136 139 139 140 140 140 140 140 140 141 142 142 142

Total Branches 801 805 810 822 828 831 831 834 838 839 840 850 851 851 851

ATMs

- Kerala 565 587 607 651 670 682 688 698 701 713 718 724 745 756 769

- South India (Ex-Kerala)

297 313 325 365 378 380 384 387 388 391 393 394 396 393 396

- Rest of India 156 163 176 184 196 198 200 202 202 202 202 202 203 205 205

Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291 1,306 1,313 1,320 1,344 1,354 1,370

41

Next Generation Bank

42

Present across Customer Touch Points

SIB Mirror + Mobile Banking

Point of SaleInternet Banking

ATMs

1,370 ATMs across India

Branches

851 Branches & 53 Extension Counters

Traditional & Alternate Channels

43

Technology Initiatives

SIB Mirror is a mobile-led platform with instant account access, balance retrieval, immediate fund transfers, all account intimations, and much more

SIB-er Net is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers

Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers

SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions

Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools

44

Personal Banking: Technology Banking

Active Internet Users

175 192 205 223 260

Dec-16 Mar-17 Jun-17 Sep-17 Dec-17

Mobile Transaction Volume

Internet Transaction Volume Internet Transaction Value

Mobile Transaction Value

885865839899

785

Jun-17 Sep-17Dec-16 Mar-17 Dec-17

5,5944,9064,7004,489

3,293

Sep-17Jun-17Mar-17Dec-16 Dec-17

1,961

1,4821,3281,412

1,175

Jun-17Mar-17Dec-16 Sep-17 Dec-17

1,548

1,258

1,0261,008

599

Sep-17Dec-16 Jun-17Mar-17 Dec-17

(000)’s (000)’s

(000)’s

Rs Crs

Rs Crs

45

Personal Banking: Debit Cards

3.3

3.2 3.3

3.5

3.6

Dec-16 Mar-17 Jun-17 Sep-17 Dec-17

No of Active Debit Cards Debit Card Transaction Volumes

Debit Card Transaction Value

36.733.833.633.7

27.1

Dec-17Sep-17Jun-17Dec-16 Mar-17

In Millions In Millions

Rs Crs 6,9496,6856,655

5,480

4,028

Dec-17Sep-17Mar-17 Jun-17Dec-16

46

An Inflection Point

47

Moving Towards Vision 2020…

▪ Provides advisory support to bank on the medium and long term strategy for significant growth in retail, agriculture and SME sectors

Appointed International

Finance Corporation

▪ Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank

Entered Memorandum

of Understanding with NSIC

▪ Houses the Bank’s Marketing Dept, Retail Loan Hub and Transaction Banking Dept

Opened Centralized

Marketing & Processing

Centre

....to become Retail Banking Power House

48

About Us

49

Milestones

FIRST among the private sector banks in Kerala to

become a scheduled bank in 1946 under the RBI Act

FIRST bank in the private sector in India to open a

Currency Chest on behalf of the RBI in April 1992

FIRST private sector bank to open a NRI branch in

November 1992

FIRST bank in the private sector to start Industrial Finance

Branch in March 1993

FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater

exclusively to the export and import business in June 1993

FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to

the in-house partial automation solution operational since 1992

The FIRST Kerala based bank to implement Core Banking System

50

Expansion since FY07

Branch Network

141

122

246

277

463

66

850

~2X

FY17FY07

465

Kerala Others (Rest of India)South Ex-Kerala

ATM Network

724

202

394

84

1,320

FY07

174

51

FY17

~8X

39

51

Performance since FY07

1,675

368

CAGR : 16%

FY17FY07

Net Interest Income

20,158

FY17

112,507

CAGR : 19%

FY07

Business (Advances + Deposits)

393

104

FY07

CAGR : 14%

FY17

Profit After Tax

2.45

3.94

FY17

149bps

FY07

Gross NPA

Rs Crs Rs Crs

Rs Crs In %

52

Leadership Team

Mr. V. G Mathew , MD & CEO

▪ Post Graduate in Physics and CAIIB with over 37 years of experience

▪ Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014

▪ Significant experience in Retail & Corporate Credit, Technology and Risk Management

▪ Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB

▪ The major assignments handled by Mr. Mathew in SBI are

▪ Dy. General Manager (IT Networking Project)

▪ Dy. General Manager and Branch Head, (Overseas Branch, Bangalore)

▪ General Manager, (Corporate Accounts Group-Mumbai Branch)

▪ Chief General Manager (Risk Management)

▪ Chief General Manager (Corporate Accounts Group)

▪ He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee,

Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie

Infrastructure Trustee (P) Limited

53

Leadership Team

Mr. Thomas Joseph K, EVP (Operations)

• Bachelors Degree in Engineering and Diploma in Management & CAIIB

• He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance

• He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors

Mr. G Sivakumar, EVP (Credit)

• Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB

• He heads Credit and Legal Departments

• He has over 35 Years of Experience in Domestic and International Banking in India and Abroad

• Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was

responsible for Private Equity and Venture Capital Investments made by the Bank

• He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than

ten Alternative Investment Funds

Mr. K N Reghunathan, EVP (Treasury)

• Commerce Graduate & CAIIB

• He is responsible for Treasury Operations of the Bank along with International Banking Division

• Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International

Banking Division.

• He was the Bank’s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee

of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India

Advantage Fund I & II

54

Management Team

Mr. John Thomas, Senior General Manager (Business Development Department)

• Bachelors Degree in Science, MBA and CAIIB

Mr. Raphael T.J., Senior General Manager (Chief Information Officer)

• Bachelors Degree in Commerce, Masters in EXIM,

Diploma in Financial Management and CAIIB

• Bachelors Degree in Arts & Masters Degree in Business

Administration and CAIIB

Mr. Anto George T, General Manager (Head of Inspection & Vigilance Department and Chief of Internal Vigilance)

• Bachelors Degree in Arts & Post Graduate Diploma in

Computer Application, Certification in RDBMS & Oracle

8i and JAIIB

Mr. Benoy Varghese, Senior General Manager(Country Head – Wholesale Banking)

Mr. Paul V.L., Senior General Manager (Administration)

• Masters Degree in Arts and Post Graduate Diploma in

Personnel Management & JAIIB

Mr. Sanchay Sinha(Country Head – Retail Banking)

• Bachelor’s degree in Arts, Post Graduate Certificate in

Business Management (XLRI)

55

Management Team

Mr. C.P. Gireesh, Chief Financial Officer

• Bachelors Degree in Mathematics

• Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of

Banking & Finance

Mr. Jacob EA, Chief Compliance Officer

• Bachelors Degree in Science & CAIIB - I

Mr. Jimmy Mathew, Company Secretary

• Bachelors Degree in Commerce, Associate Member of

Institute of Company Secretary of India and Institute of

Cost & Management Accountants of India. Also a

Certified Associate of the Indian Institute of Banking &

Finance

56

Awards & Recognition

Awarded with ISO 27001:2013 Certification

The certification process involved an extensive audit, conducted by British Standards Institution against the criteria set out by the ISO 27001:2013 standards on various domains of IT functions

57

Awards & Recognition

Won National Payments Excellence Awards -2016

Won Finnoviti Award - 2017

Won “IBA Banking Technology Awards”

58

Awards & Recognition

Won Two IDRBT Best Bank Awards

Bagged “Dun & Bradstreet, India’s Top Banks & Banking Awards 2017”

59

Company Investor Relations Advisors

The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mr. C. P. Gireesh, CFO/Mr. Vijith S, Dy. General Manager cpgireesh@sib.co.invijiths@sib.co.in

www.southindianbank.com

Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Mr. Shogun Jain/ Ms. Sanghamitra Karakshogun.jain@sgapl.net / sanghamitra.karak@sgapl.net+91 77383 77756 / +91 9833692935www.sgapl.net

For further information, please contact: