South Indian Bank Ltd

BSE: 532218 | NSE: SOUTHBANK | ISIN: INE683A01023 
Market Cap: [Rs.Cr.] 3,240.40 | Face Value: [Rs.] 1
Industry: Banks - Private Sector

Director's Report


To the Members,

The Board of Directors is pleased to place before you, the 86th Annual Report of theBank along with the Audited Balance Sheet as at March 31, 2014 and the Profit and LossAccount for the year ended March 31, 2014.


The performance highlights of the Bank for the financial year ended March 31, 2014 areas follows:

Key Parameters Rs. in crore
2013-14 2012-13
Deposits 47491.00 44262.00
Gross Advances 36403.00 32014.00
Total Gross Business 83894.00 76276.00
Net Profit 507.50 502.27
Capital & Reserves 3368.05 3003.61
Capital Adequacy (%) - Basel-II 12.53 13.91
Basel-III Earnings Per Share (EPS): 12.42 NA
(a) Basic EPS (in Rs. ) [face valueRs. 1/-] 3.78 4.03
(b) Diluted EPS (in Rs. [face valueRs. 1/-] 3.77 4.00
Book Value per Share (in Rs. ) [face valueRs. 1/-] 25.06 22.44
Gross NPA as % of Gross Advances 1.19 1.36
Net NPA as % of Net Advances 0.78 0.78
Return on Average Assets (%) 1.00 1.17


The Bank had achieved a net profit of Rs. 507. 50 crore during the year against the netprofit of Rs. 502. 27 crore posted during the previous year. The Bank was able to achievethis growth in net profit essentially on account of higher scale of operations, bettermanagement of assets and liabilities and focus on enhancement of non-interest revenue ofthe Bank..

The Operating Profit for the year under review was Rs. 928. 95 crore beforedepreciation, taxes and provisions. Net profit was Rs. 507. 50 crore and the profitavailable for appropriation was Rs. 544. 46 crore as per details given below:

(Rs. in crore)
Profit before depreciation, taxes & provisions 928.95
Less: Depreciation 44.61
Provision for NPA/NPIs 137.12
Provision for FITL 5.64
Provision for depreciation on investments (28.47)
Provision for Income Tax/Wealth Tax 221.43
Provision for standard advances 31.09
Provision for restructured advances 9.70
Provision for Impaired Assets 0.33
Net Profit 507.50
Brought forward from last year 36.96
Profit available for appropriation 544.46
Appropriations (Rs.incrore)
Transfer to Statutory Reserve 126.88
Transfer to Capital Reserve 0.84
Transfer to Revenue & Other Reserves 220.00
Transfer to Special Reserve u/s 36(1) (viii) of The 17.00
Income Tax Act, 1961
Transfer to / (from) Investment Reserve 14.09
Proposed Dividend 107.52
Dividend Tax on Proposed Dividend 18.27
Carried over to Balance Sheet 39.86
Total 544.46


The Board of Directors recommended a dividend of 80% (tax- free in the hands ofshareholders), i. e., @ Rs. 0. 80 per Equity Share of face value of Rs. 1/- per sharevis-a-vis 70%, i. e. Rs. 0. 70 per share declared last year.


During the last financial year, the Bank has opened 54 new branches and 200 ATMs acrossthe country. The Bank has been successful in widening its presence pan India with 794branches and 9 service branches. The branch network now covers 29 states / unionterritories and has a network of 1000 ATMs.

The Bank further plans to open 25 new branches, 25 Extension Counters, 250 ATMs, 3 USBsand increasing the network of branches to establish foot prints in the states not coveredhither to, Arunachal Pradesh and Sikkim during the current financial year.


The Bank's issued and paid up capital stood at Rs. 134. 39 crore as on March 31, 2014.During the year, 54, 09, 172 stock options granted under Employee Stock Option Scheme hadbeen exercised by eligible employees.

The capital plus reserves of the Bank has gone up from Rs. 3, 003. 61 crore to Rs. 3,368. 05 crore owing to plough back of profits during the year.


The Bank is subject to the capital adequacy guidelines mandated by RBI, which are basedon the framework of the Basel Committee on Banking Supervision. As per Basel IIIguidelines, the Bank is required to maintain a minimum Capital to Risk Weighted AssetsRatio (CRAR) of 9% {11. 5% including Capital Conservation Buffer (CCB)}, with minimumCommon Equity Tier I (CET1) of 5. 5% (8% including CCB) as on 31st March, 2019. Theseguidelines on Basel III are to be implemented beginning 1st April, 2013 in a phasedmanner, the minimum capital required to be maintained by the Bank for the year ended 31stMarch, 2014 is 9% with minimum Common Equity Tier 1 (CET1) of 5%.

The Capital to Risk Weighted Assets Ratio (CRAR) of the Bank as on March 31, 2014according to Basel III guidelines is 12. 42%, as against the statutory requirement of 9%.Tier I CRAR constituted 10. 79% while Tier II CRAR worked out to 1. 63%.

The Capital to Risk Weighted Assets Ratio (CRAR) of the Bank as on March 31, 2014according to Basel II guideline is 12. 53%, as against the statutory requirement of 9%.Tier I CRAR constituted 10. 89% while Tier II CRAR worked out to 1. 64%. The Bank isfollowing Standardized approach, Standardized Duration approach and Basic Indicatorapproach for measurement of capital charge in respect of credit risk, market risk andoperational risk respectively.


The Bank's shares continue to be listed on The Cochin Stock Exchange Ltd., BSE Ltd.,and The National Stock Exchange of India Ltd. The Bank confirms that it has paid thelisting fees to all the Stock Exchanges for the year 2014-15.


The Bank has achieved a total gross business of Rs.83,894 crore, consisting of totaldeposit of Rs. 47,491 crore and gross advances of Rs.36,403 crore as on March 31, 2014registering a growth of 9.99% over the previous year.

In CASA segment, the Bank has achieved a year on year growth of 19.34%. During theyear, 2013-14, 8. 01 lacs new SB A/cs had been opened. The Bank has accorded priority tomeaningful financial inclusion exercise during the period under reporting.


The total deposits of the Bank increased to Rs. 47, 491 crore from Rs. 44, 262 crore ason March 31, 2013, registering a growth of 7. 30%.

The break-up of the deposit as on March 31, 2014 is as under:

Amount ( Rs. in crore) % to total Deposits
Current Deposits 1,888.27 3.98
Savings Deposits 7,936.63 16.71
Term Deposits 37,666.19 79.31
Total 47,491.09 100.00


Gross advances of the Bank registered an increase of 13. 71%, to touch a gross figureof Rs. 36, 403. 10 crores. Total Priority sector advances as at the end of the financialyear stood at Rs. 13, 376. 72 crores, constituting 40. 66% of the Adjusted Net Bank Credit(ANBC). Exposure to agricultural sector amounted to Rs. 4, 556. 59 crores, forming 13. 85%of ANBC as at the end of the financial year. Break-up of exposure under Priority sector isfurnished below:

Amount ( Rs. in crore)
Agriculture & Allied activities (including investments in RIDF) 4,556.59
Small Enterprises 6,509.26
Other Priority Sector 2,310.87
Total Priority Sector 13,376.72

* As per RBI guidelines, indirect lending in excess of 4. 5% of ANBC is not reckonedfor computing achievement under 18 percent target for agriculture sector. Hence theachievement under 18 percent target comes to 10. 41%. However, same is reckoned forcomputing achievement under the overall priority sector target of 40 percent of ANBC.


Financial Year 2014 was a challenging year with overall economic slowdown on thebackdrop of halted investment cycle, firm inflation and tight monetary condition. Althoughmarket witnessed heightened volatility initially on the news of fed tapering, it gotabsorbed finally without major difficulties. We expect gradual economic recovery in2014-15 with better investment prospect on the backdrop of improved current accountdeficit, global economic recovery and growth inducing policy initiatives of the newfederal government. However, a weak monsoon could upset prospect of early economicrecovery at the expected level.

Bank's gross investment portfolio stood at Rs. 14, 351. 77 crores as on March 31, 2014compared with Rs. 12, 523. 47 crores as on March 31, 2013, registering a growth of 14.60%. Investment Deposit ratio has increased to 30. 22% as on March 31, 2014 from 28. 29%as on March 31, 2013.

Even in the challenging environment, profit on sale of investment registered healthygrowth from Rs. 57. 72 crores in FY2013 to Rs. 69. 88 crores in FY2014. Total interestincome from investments for the FY2014 was Rs. 954. 48 crores as against Rs. 746. 39crores for the FY2013, registering a growth of 27. 88%.


During the year 2013-14, as a result of the focused and sustained efforts like earlyrecovery of NPAs, through prompt and effective measures under the SARFAESI Act, follow upof recovery cases pending before DRTs and civil courts, one time compromise settlements ofaccounts, etc., Bank has recovered NPAs to the extent of Rs. 532. 69 crore, (recoveryincluding up- gradation Rs. 301. 16 crores) as against the target of Rs. 250. 00 crore.The recovery during the current year also surpassed the recovery of Rs. 270. 73 crore forthe previous financial year ended March 31, 2013. The thrust on selection of credit,adequate due diligence and improvement in credit administration were maintained ensuringimprovement in quality of assets.

During the year, the Gross NPA of the Bank declined from Rs. 433. 87 crore as on March31, 2013 to Rs. 432. 62 crore as on March 31, 2014. But Net NPA marginally increased fromRs. 249. 53 crore as on March 31, 2013 to Rs. 281. 67 Crore as on March 31, 2014. Out ofthis GNPA of Rs. 432. 62 crores, Rs. 186. 28 crores is accounted by fresh slippage andprovision requirement was only Rs. 38. 16 crores. In terms of percentage, GNPA improvedfrom 1. 36 % as on March 31, 2013 to 1. 19 % as on March 31, 2014 and net NPA remainunchanged at 0. 78% as on March 31, 2014.


The growing competition, arising out of increasing customer expectations and increasingneed of risk management pushed Indian Banks to adopt technology more vigorously forsurvival and growth.

Indian banking industry, today is in the midst of an IT evolution. A combination ofregulatory and competitive reasons has led to increasing importance of total bankingautomation in the Indian Banking Industry.

Information Technology has basically been used under two different verticals inBanking. One is IT infrastructure and controls and other is Application of IT forimproving business process and developing customer centric solutions. Informationtechnology enables sophisticated and product development, better market infrastructure,implementation of reliable techniques for control of risks and helps the financialintermediaries to reach geographically distant and diversified markets.

The Bank, has been an early adopter of technology with a view to providing safe andconvenient banking facilities to its customers, having introduced host of services andfacilities for enhancing the customer satisfaction. The Bank has been successfullyfunctional with Finacle Core Banking Solution (CBS) from Infosys for several years. CBShas been the key component in introducing the following technology services by the Bankfor the benefit of its customers.

• Debit Card operations with VISA, MAESTRO and RuPay.

• Straight Through Processing (STP) for RTGS and NEFT payment systems.

• Internet Banking and E-Commerce including NEFT support for other bankremittances.

• Mobile Banking and M-Commerce (with support for other bank money transferthrough IMPS).

• ASBA (Application Supported by Blocked Amount).

• Foreign Inward Instantaneous remittance with own Payment Hub system.

• Demat and On-line Trading Facility.

• Point of Sales (POS).

• Bullion Sales.

• Portfolio Investment Scheme for NRI community.

• Central Plan Scheme Monitoring System (CPSMS).

• Kiosk based Financial Inclusion Solution.

• Cash Deposit Machines.

IT initiatives/Solutions embarked during the year

The following list elucidates a few of the IT enabled services / solutions that theBank has launched during the year to serve its customers in a better and efficient way.

• Various new products offered to customers which includes enhancements indelivery channels such as Internet Banking, Mobile Banking and ATM.

• Version migration of CBS with enriched features leading to increased internalefficiency of operations, augmented control over various functions through streamlinedprocesses.

• Version migration of Internet Banking Application with augmented securitycontrols and features.

• Captive Security Operation Centre in line with GKC (Gopalakrishna Committee)recommendations of RBI for monitoring and management of IT systems.

• Enterprise Wide Fraud Risk Management Solution in line with the recommendationsof GKC.

• ISO 27001 implementation for DC/DR and IT Operations.

• Business Process Management solution leading to a paperless environment to alarge extent.

• Technology solution for Basel II advanced approach/Basel III implementation.

• Integrated CRM solution to help business users for better understanding ofBank's customers.

• Rupay debit card - An NPCI initiative.

• Mobile Pass Book for customers on all platforms such as Andorid, iOS, Blackberryand Windows.

Information Security and Risk Management

As banks adopt technology as part of their ongoing strategic tool to face challenges inthe emerging realities of business, they are increasingly exposed to technology risks. Itis therefore imperative for each bank to work out appropriate IT risk managementstrategies to secure its most vital information asset and ensure that related riskmanagement systems and processes are strengthened on continual basis to secure bothpresent and future banking activities. SIB Rs. s Information Security Policy and other ITPolicies - IT Operation Policy, IT Governance Policy, IT out sourcing Policy andInformation Security systems have already taken these aspects into consideration. Further,the Information Security of banking IT functions is getting strengthened throughimplementation of a captive SOC (Security Operation Centre).

The Bank has been providing awareness on e-threats to its customers and staff on acontinued basis so that both proactive and reactive measures can be initiated, as deemedappropriate to mitigate potential risks associated with e-threats.

The Bank has been implementing the stipulations and guidelines articulated and issuedby RBI based on the working group recommendations on Electronic Banking, Technology Risk,Information Security and Cyber Frauds as part of the IT governance programme(Gopalakrishna Committee Report).

IT Training

During the year, many training programmes had been attended by the Bank's officers inpremier institutions such as IDRBT, NIBM to keep themselves abreast with the advancementsin IT, Information Security, CRM etc.

Awards and Accolades

During the period under review, the Bank has received the following awards for itsachievements from different quarters/ agencies:

• Awards from the Sunday Standard, instituted by The New Indian Express Group, forBest Banker (mid-sized) 2013, Best Private Sector Banker, Best Banker - All roundexpansion and Best Banker - Efficiency and Profitability.

• Prestigious IBA Banking Technology Award 2012-13.

• The Business Excellence Award 2012-13 instituted by the Trivandrum Chamber ofCommerce and Industry.

• Dr. V. A. Joseph, MD & CEO has been declared as one among the best 100 CEOs'of India by Business Today's ' Roll of Honour - CEOs' survey conducted in association withPrice Waterhouse Coopers.

Gopalakrishna Committee Recommendations Management Philosophy and Measures

Gopalakrishna Committee Recommendations on Information Security, Electronic Banking,Technology Risk and Cyber Frauds as applicable to the Bank has been taken up forimplementation. Effective measures have been taken to address the identified gaps in eacharea such as IT Governance, Information Security, IT Service out sourcing, IS Audit, ITOperations, Cyber Frauds, Business Continuity Plan (BCP), Customer Education and Legalissues. The IT Organization set up has been redrawn to suit the functions / rolesspecified in the recommendations with segregation of duties. Technology, Development, ITOperations and IT Assurance functions have been clearly divided and now independentlyheaded.

IT Strategy Committee of the Board, IT Steering Committee, Information SecurityCommittee and Chief Information Security Officer (CISO) reporting independently to HeadRisk Management are in place.

Revamped Information Security Policy factoring the various guidelines and stipulationsmentioned in the report has been approved by Board and is in place, besides other ITPolicies such as IT Operation Policy, IT Governance Policy and IT Out Sourcing Policy.

The progress of implementation of GKC recommendations are reviewed by IT StrategyCommittee of Board and the Board on quarterly basis. The major items which are underprocess which would enable the Bank to achieve full compliance to GKC are as follows:

1. Security Operation Centre

2. Comprehensive Fraud Risk Management Solution

3. ISO 27001 Implementation

4. Near line DR Center Solution


Risk is an integral part of the banking business and the Bank aims at deliveringsuperior value to shareholders by achieving an appropriate trade-off between risk andreturn. Sound risk management and balancing risk-return trade-off are critical to a Bank'ssuccess. Business and revenue growth have therefore to be weighed in the context of therisks embedded in the Bank's business strategy. Of the various types of risks the Bank isexposed to, the most important are credit risk, market risk (which includes liquidity riskand price risk) and operational risk. The identification, measurement, monitoring andmitigation of risks, continued to be a key focus area for the Bank. The risk managementfunction attempts to anticipate vulnerabilities at the transaction level or at theportfolio level, as appropriate, through quantitative examinations of embedded risks. Therisk management strategy of the Bank is based on a clear understanding of various risks,disciplined risk assessment, risk measurement procedures and continuous monitoring formitigation. The policies and procedures established for this purpose are continuouslybenchmarked with the best practices followed in the Industry.

The Bank's risk management structure is overseen by a Committee of the Board.Appropriate policies to manage various types of risks are approved by Risk ManagementCommittee (RMC), which provides strategic guidance while reviewing portfolio behaviour.The senior level management committees like Credit Risk Management Committee (CRMC),Market Risk Management Committee (MRMC) and Operational Risk Management Committee (ORMC)develop the risk management policies and vet the risk limits. The Asset LiabilityManagement Committee ensures adherence to the implementation of the above risk managementpolicies, develop Asset Liability Management Policy within the above risk framework.

Compliance with Basel III and Basel II framework

In compliance with regulatory guidelines on Pillar I of Basel II norms, Bank hascomputed capital charge for credit risk as per the Standardized Approach, for market riskas per the Standardized Duration Method and for operational risk as per the BasicIndicator Approach. To address the issues of Pillar II, the Bank has implemented ICAAP(Internal Capital Adequacy Assessment Process), integrating capital planning withbudgetary planning and to capture residual risks which are not addressed in Pillar I likecredit concentration risk, interest rate risk in the banking book, liquidity risk,earnings risk, strategic risk, reputation risk etc. Bank has adopted a common frameworkfor additional disclosures under Pillar III for adhering to market discipline of Basel IIand Basel III guidelines. This requires the Bank to disclose its risk exposures, riskassessment processes and its capital adequacy to the market in a more consistent andcomprehensive manner.

Risk Management Practices

It is imperative to have a robust and effective risk management practices not only tomanage risks inherent in the banking business but also the risks emanating from financialmarkets as a whole. The Bank has put in place risk management architecture and practicesthat is overseen by a Committee of Directors. The Bank has in place a robust riskmanagement structure which proactively identifies the risk faced by the Bank and helps inmitigating it, while maintaining proper tradeoff between risk and return therebymaximizing the shareholder value.

Business Continuity Plan which suits the present scenario covering all criticalprocesses of the Bank is in place. The Bank has also set up an operationalised DisasterRecovery Centre for its Core Banking Operations.

In furtherance of the goals of effective risk management, the Bank has strengthened itsrisk management processes by tuning fine its internal rating models, internal ratingmigration study and also through introduction of comprehensive upgraded policies forcredit and operational risk. Credit monitoring system was further streamlined for focusedattention on improvement in asset quality. The Bank has also introduced risk managementprocesses like Risk and Control Self Assessment (RCSA) framework, Stress Testing frameworkand risk based pricing model linked to rating during the year. The market situations,Bank's liquidity positions and the peer group pricing are closely monitored for revisingthe various interest rates.

Skill sets of mid-offices of the Bank were strengthened and its functions were madebroad based further for effective monitoring of market risk.

Apart from the Risk Management Committee of the Board at apex level, the Bank has astrong Bank-wide risk management structure with Credit Risk Management Committee, MarketRisk Management Committee and Operational Risk Management Committee at senior managementlevel, operational risk management specialists in all Regional Offices and dedicatedmid-office at Treasury Department/International Banking Division at operational level.

The Bank continued with the system of comprehensive risk profiling of the Bank in linewith regulatory guidelines that will facilitate integrated risk management with assessmentof the direction of risk.

The Bank has appointed consultants as part of moving into advanced approach under theBasel II framework as stipulated by the Reserve Bank of India. As per the scheduled roadmap, Bank is to move into the Advanced Approach by September 30, 2015.

The Bank has taken necessary steps to comply with the 'Guidelines on implementation ofBasel- III capital regulations in India' in a phased manner as directed by the RBI.


The total forex business turnover for the year ended March 31, 2014 wasRs. 1,41,195.49crore (comprising Merchant Turnover Rs.11840.48 crore and Interbank TurnoverRs.1,29,355.01 cr) recording an increase of 52.21% as compared to the level of previousfinancial year. The Bank earned an exchange profit of Rs.34.89 crores showing a year onyear increase of 27.24%. The Bank has also earned a profit of Rs.3.78 crores from bullionbusiness and has sold 168 kg of gold during the FY 2013-14.

At present the Bank is having rupee inward remittance arrangement with 5 Banks and 32Exchange Houses and turnover for the year ended March 2014 was Rs.5,831.29 croreregistering an increase of 23.30 % as compared to the previous financial year. During theFY 2013-14, Bank has concluded correspondent banking arrangement in Singapore Dollar (SGD)with HSBC, Singapore. The Bank continued providing managerial support to M/s. Hadi ExpressExchange, UAE exclusively for marketing the remittance business of the Bank.

Considering the scope in scaling up remittance business through arrangements with EH's,the Bank has decided to depute its officers to various middle east countries. Presentlythe Bank has deputed four officers to UAE with UAE Exchange Centre, Al Ansari Exchange andAl Ahalia Money Exchange.

The Bank has shifted to new Integrated Treasury Management Software, 'Intellect - Tx'of M/s Polaris Financial Technologies Ltd on September 30, 2013.


The NRI Division of the Bank aims at personalized and dedicated services to NRIcustomers. It also extends support to branches and closely monitors the growth of NRIbusiness. NRI deposit of the Bank constitutes 26% of the total bank's Core deposits.NRE/NRO savings bank deposits constitute 20% of the total CASA of the Bank.

Since FY 2012-13, NRI Division had successfully implemented Welcome kits to NREprivilege accounts enabling instant activation. Such accounts are now available at allbranches of Hadi Express Exchange, Marketing Officers at UAE and at selected branches ofSIB in Kerala. The initiative is widely accepted in the market and it added momentum inopening of NRE SB accounts, improving the share of low cost deposits of the Bank. NRIDivision also extended yet another next generation service to the NRI customers byimplementing ONLINE NRE/ NRO account opening which can be done at the comfort of theirhome / office. To increase the momentum of NRI business growth and valued customerretention, Overseas NRI meets were arranged at Kuwait & Oman, and in every Keralaregions. As part of focusing NRI customers outside Kerala region, one NRI meet wasarranged in AHMEDABAD region also. The Bank had opened and managed a stall in the IndianPavilion during the Dubai Shopping Festival, at UAE to promote NRI services. All thoseefforts had resulted in achieving a growth of 35% in the total NRI deposit business of theBank.


The Bank accords utmost importance to human resources development. Training Programmesare conducted at SIB Staff Training College (SIBSTC), Thrissur and at 9 Regional TrainingCenters (RTCs) at ROs for enhancement of professional skills of the staff. The trainingprogrammes are designed to develop competency of operating personnel while imbibing theSIB spirit and culture through an effective learning process. The success of theseprogrammes reflects on the enhanced organizational productivity. SIBSTC and the RTCsidentify gaps in skill of the personnel and provide learning to them for qualitativeimprovement. During the year 2013-14, the Bank has imparted training to 2, 647 officers,1, 200 clerks and 53 sub staff in various aspects of banking operations. Thus, the Bankhas provided training to a total of 3, 900 of its personnel, which is about 55% of totalstaff strength of 7, 111 as on March 31, 2014. This is in consonance with the Bank'svision towards continuous upgradation of skills to ensure that the staff members meet therising expectations of customers and discharge services professionally covering the entiregamut of banking operations.


The Marketing Department of the Bank plays a critical role in generating new businessfor the Bank and customer acquisition. The department is engaged in creating awareness onproducts and promoting products by driving customer-centric campaigns.

The products and services under the ambit of Marketing Department can be broadlyclassified as either Technology or Third Party Products.

Technology Products of the Bank

The Bank has effectively leveraged technology and introduced several variants oftraditional products and new e-based services, tailor made to the diversified needs ofcustomers. Technology services like ATM cards, internet banking, mobile banking etc., havetransformed the customer's banking experience from branch banking to anytime, anywherebanking.

Any Branch Banking System: All the branches of the Bank areinter-connected and are capable of providing online, real-time transactions to itscustomers. As information is centralized and updates are available simultaneously at allplaces, single-window service has become

Futures & Options Quote
Future Data Not present
Key Information

Key Executives:

Amitabha Guha , Part Time Chairman

K Thomas Jacob , Director

Mohan Alapatt , Director

Jimmy Mathew , Company Secretary

Company Head Office / Quarters:

SIB House T B Road,
Mission Quarters,
Phone : Kerala-91-487-2420020/2420058/2420113 / Kerala-
Fax : Kerala-91-487-2442021 / Kerala-
E-mail :
Web :


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