The South Indian Bank Limited
NSE: SOUTHBANK · Private Sector Bank
Snapshot
Unlock The South Indian Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
The South Indian Bank Limited is a private sector bank offering a comprehensive range of retail, corporate, and treasury banking products and services. Headquartered in Thrissur, the bank serves a diverse clientele through an extensive network of branches and automated teller machines across India.
Business Model
The bank generates revenue primarily through net interest income derived from lending activities and fee-based income from banking services, insurance distribution, and investment products. It leverages its branch network and digital platforms to mobilise deposits and provide credit to retail, micro, and small enterprise segments.
- Branches:935
- ATMs/CRMs:1270
Growth Outlook
Growth is expected to be driven by the expansion of its digital banking ecosystem and the strengthening of its retail and MSME loan portfolios. The bank continues to focus on enhancing its fee-based income streams through cross-selling insurance and investment products.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its exposure to retail and MSME loan segments, which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where non-compliance could lead to financial penalties or operational restrictions.
- Competitive Pressure. The bank operates in a highly competitive Indian banking landscape, facing pressure from larger private banks and fintech players for market share.
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Key Metrics
NET PROFIT
₹1,511 Cr
TTM · consolidated
EPS
₹5.77
TTM · consolidated
RETURN ON EQUITY
14.0%
TTM · standalone
P/E
8.2x
Q1 FY27 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
The South Indian Bank LimitedSOUTHBANK | ₹12,379 Cr | 8.20 | — | — | — | 14.0% | — | +64.9% |
The Jammu & Kashmir Bank LimitedJ&KBANK | ₹16,520 Cr | 7.17 | — | 7.0% | — | 14.8% | — | +49.8% |
Tamilnad Mercantile Bank LimitedTMB | ₹14,765 Cr | 10.22 | — | — | — | — | — | +119.1% |
The Karnataka Bank LimitedKTKBANK | ₹12,863 Cr | 8.95 | — | — | — | 11.4% | — | +93.8% |
DCB Bank LimitedDCBBANK | ₹7,110 Cr | 8.97 | — | — | — | 12.9% | — | +74.2% |
CSB Bank LimitedCSBBANK | ₹5,700 Cr | 8.58 | — | — | — | 13.8% | — | -9.4% |
Financials
The South Indian Bank Limited
NSE: SOUTHBANK · Private Sector Bank
Snapshot
Unlock The South Indian Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
The South Indian Bank Limited is a private sector bank offering a comprehensive range of retail, corporate, and treasury banking products and services. Headquartered in Thrissur, the bank serves a diverse clientele through an extensive network of branches and automated teller machines across India.
Business Model
The bank generates revenue primarily through net interest income derived from lending activities and fee-based income from banking services, insurance distribution, and investment products. It leverages its branch network and digital platforms to mobilise deposits and provide credit to retail, micro, and small enterprise segments.
- Branches:935
- ATMs/CRMs:1270
Growth Outlook
Growth is expected to be driven by the expansion of its digital banking ecosystem and the strengthening of its retail and MSME loan portfolios. The bank continues to focus on enhancing its fee-based income streams through cross-selling insurance and investment products.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its exposure to retail and MSME loan segments, which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where non-compliance could lead to financial penalties or operational restrictions.
- Competitive Pressure. The bank operates in a highly competitive Indian banking landscape, facing pressure from larger private banks and fintech players for market share.
Start your research today
Unlock AI insights, financials, peers and live data on The South Indian Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹1,511 Cr
TTM · consolidated
EPS
₹5.77
TTM · consolidated
RETURN ON EQUITY
14.0%
TTM · standalone
P/E
8.2x
Q1 FY27 · consolidated
Peers · Private Sector Bank
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