South Indian Bank Financial Statements

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Y/e 31 Mar - - - -
Growth matrix (%)        
Net interest income -- -- -- --
Total op income -- -- -- --
Op profit (pre-provision) -- -- -- --
Net profit -- -- -- --
Advances -- -- -- --
Deposits -- -- -- --
Total assets -- -- -- --
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity -- -- -- --
Return on Avg Assets -- -- -- --
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Credit/Deposits -- -- -- --
Cost/Income -- -- -- --
CASA -- -- -- --
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate -- -- -- --
Dividend yield -- -- -- --
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 5,847 5,557 5,286 5,015
Interest expense (4,172) (4,047) (3,920) (3,616)
Net interest income 1,675 1,510 1,366 1,399
Non-interest income 716 517 497 368
Total op income 2,391 2,027 1,863 1,767
Total op expenses (1,176) (1,148) (981) (883)
Op profit (pre-prov) 1,215 879 882 884
Provisions (614) (370) (414) (155)
Exceptionals -- -- -- --
Profit before tax 600 510 468 729
Taxes (208) (176) (161) (221)
Net profit 393 333 307 507
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Y/e 31 Mar ( In .Cr) Mar-2020 Mar-2019 Mar-2018 Mar-2017
Total cash & equivalents 4,190 4,823 4,221 3,888
Investments 20,625 19,081 18,363 19,430
Advances 64,439 62,694 54,563 46,389
Total int-earning assets 89,255 86,598 77,147 69,707
Fixed assets 800 709 681 656
Other assets 7,079 5,112 4,937 4,003
Total assets 97,133 92,419 82,765 74,366
Net worth 5,477 5,337 5,243 4,848
Deposits 83,034 80,420 72,030 66,117
Borrowings 6,893 4,903 4,043 1,958
Total int-bearing liabs 89,927 85,323 76,073 68,075
Non-int-bearing liabs 1,729 1,758 1,449 1,442
Total liabilities 91,656 87,082 77,522 69,517
Equity + Total liabilities 97,133 92,419 82,765 74,366
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Particulars ( Rupees In Crores.) Sep-2020 Jun-2020 Mar-2020 Dec-2019
Interest Earned 1,899 1,887 1,948 1,967
Other Income 240 285 394 220
Total Income 2,139 2,172 2,342 2,188
Operating Expenses ** 1,725 1,768 1,808 1,805
Operating Profit Before Prov. & Cont. 414 404 533 383
Provisions & Contingencies 326 293 724 261
Depreciation -- -- -- --
Provision For Taxes 22.50 29 (47) 31.70
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 65.10 81.70 (144) 90.50
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 65.10 81.70 (144) 90.50
EPS (Unit Curr.) 0.36 0.45 (0.80) 0.50
EPS (Adj) (Unit Curr.) 0.36 0.45 (0.80) 0.50
Calculated EPS (Unit Curr.)  0.36 0.45 (0.80) 0.50
Calculated EPS (Adj) (Unit Curr.) 0.36 0.45 (0.80) 0.50
Calculated EPS (Ann.) (Unit Curr.)  1.44 1.80 (3.20) 2
Calculated EPS (Adj) (Ann.) (Unit Curr.)  1.44 1.80 (3.20) 2
Book Value (Unit Curr.) 31.20 30.80 30.30 31.20
Dividend (%) -- -- -- --
Equity 181 181 181 181
Reserve & Surplus  -- -- -- --
Face Value 1 1 1 1
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 69.70 74.80 59.60 75.60
PBDTM(%) 4.61 5.86 (9.80) 6.21
PATM(%) 3.43 4.33 (7.40) 4.60
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --