Experience Next Generation Banking

Investor Presentation May - 2016 Safe Harbor

No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness 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”, including those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects, and future developments 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, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial 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 change 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 Contents

Performance in FY 16

An Introduction

Business Strategy

Performance Matrix

Next Generation

An Inflection Point

Awards & Recognitions

3 Performance in FY 16

4 Performance in FY 16

Rs in Crores FY 15 FY 16 Growth

Business 89,890 97,506 8.47%

EBIDTADeposits 51,91217 55,72141 7.34%26%

Advances 37,978 41,785 10.02%

NIM 2.70% 2.73% 3bps

PAT 307 333 8.47%

5 Moving Towards Vision 2020…

Appointed Entered Opened International Memorandum Centralized Finance of Understanding Marketing & Corporation with Processing NSIC Centre

. Provides advisory . Facilitates to . Houses the Bank’s support to bank on the MSE and promotes Marketing Dept, Retail medium and long term the MSME credit Hub and strategy for significant portfolio of the Bank Transaction Banking growth in retail, Dept agriculture and SME sectors

....to become Power House

6 Recent Awards

SIB wins ‘Social Banking Excellence Award instituted by ASSOCHAM”

SIB wins prize in IDRBT Banking Application SIB wins Master Card Innovation Award Contest

7 An Introduction

8 Milestones

FIRST among the private FIRST bank in the private sector in Kerala to sector in India to open a become a scheduled bank in Currency Chest on behalf of 1946 under the RBI Act the RBI in April 1992

FIRST private sector bank to FIRST bank in the private sector open a NRI branch in to start Industrial Finance November 1992 Branch in March 1993

FIRST among the private sector FIRST bank in Kerala to develop an banks in Kerala to open an in-house, a fully integrated branch "Overseas Branch" to cater automation software in addition to exclusively to the export and the in-house partial automation import business in June 1993 solution operational since 1992

The FIRST Kerala based bank to implement Core Banking System

9 Expansion over a Decade

Branch Network ATM Network

~2X ~9x 834 1,287

449 698

440

263 245 387

121 144 140 66 202 40 56 38 FY06 FY16 FY06 FY16

Kerala South Ex-Kerala Others (Rest of India)

10 Performance over a Decade

Net Interest Income Profit After Tax Rs Crs Rs Crs CAGR : 17% CAGR : 21% 1,510 333

310 51

FY06 FY16 FY06 FY16

Business (Advances + Deposits) Gross NPA Rs Crs In % CAGR : 20% 122bps 96,806 4.99 3.77

15,949

FY06 FY16 FY06 FY16

11 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

12 Leadership Team

Mr. Thomas Joseph K, EVP (Administration)

• 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

13 Management Team

Mr. John Thomas, General Manager Mr. Benoy Varghese, General Manager (Business Development Department) (Credit Department)

• Bachelors Degree in Science, MBA and CAIIB • Bachelors Degree in Arts & Masters Degree in Business Administration and CAIIB

Mr. Raphael T.J., General Manager Mr. Murali N A., General Manager (Marketing & Information Technology) (Mumbai Regional Office)

• Bachelors Degree in Commerce, Masters in EXIM, • Masters Degree in Commerce and JAIIB Diploma in Financial Management and CAIIB

Mr. Paul V.L., General Manager Mr. Anto George T., General Manager (Personnel & Planning & Development Department) (Delhi Regional Office)

• Masters Degree in Arts and Post Graduate Diploma in • Bachelors Degree in Arts & Post Graduate Diploma in Personnel Management & JAIIB Computer Application, Certification in RDBMS & Oracle 8i and JAIIB

Mr. Bobby James , General Manager (Inspection & Vigilance)

• Bachelors Degree in Commerce, C.A. (Inter) and JAIIB 14 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 Mr. Jimmy Mathew, Company Secretary

• Bachelors Degree in Science & CAIIB - I • 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

15 Business Strategy

16 Focus is back on Core Strengths...

01 Increase … 02 Retail Business … 03 SME Business … CASA More Products Sole Banker

Retail SME Relationships Relationships

06 Sustainable… 05 Increase… 04 Improve Asset Quality Fee Income NIM

17 ...Increase Retail & SME Business

01 02 03

Centralize Retail Hub Marketing & • Home Loan Cluster Processing • Auto Loan Branches Centre (Kochi) • MSME Loan • LAP

Loan Processing Retail Business Branch Profitability

• Enhanced risk management • Penetrate further in the • Focus on particular existing set of Customers geographies and open • KYC compliance and fraud additional branches prevention tools • Faster Sanctions • Improve Branch Profitability

18 …by focus on Housing Loans in Retail

Retail Breakup Housing: Key Initiatives

Rs Crs • Retail hub in Cochin to increase focus on 10,093 9,657 housing finance 9,368 9,250 9,382 1,049 834 • Two more hubs to be set up – one in 910 1,008 1,057 926 973 South India and one in North India 941 872 858 • Branch staff being given specific training 1,726 2,521 to market mortgage loans 1,733 1,801 1,998 • Marketing initiative through TVCs 1,580 1,540 • Tailor made products for different 1,559 1,501 1,564 segments

2,485 2,003 1,655 1,455 1,371 Jan to Mar 2016

2,614 2,106 2,241 2,369 2,499 • Housing Loans Sanctioned : 1,157 Nos.

• Amount of Housing Loans Sanctioned – Rs. 233 cr Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Others Service & Traders Gold LAD* Manufacturing Housing

*LAD = Loan against deposits 19 …becoming a Banker of Choice to SMEs

Average SME Loan / Account Loan Book by Geography – FY16

Rs Lakhs Rest of India 25% 15.28 15.26 15.33 Kerala 43% 13.70

12.50 South (Ex- Kerala) 32%

SME Highlights

• Dedicated DGM 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. Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 • Ongoing training (in-house as well as external)

20 …with the help of our Branch Network

Total Branch Network

+5.7%

794 822 834 738 631 688

FY11 FY12 FY13 FY14 FY15 FY16

Total ATM Network

No of +21.3% Branch Location* 1,200 1,287 Branches 1,000 Kerala 449 800 663 South India (Ex-Kerala) 245 490 Rest of India 140 Total 834 FY11 FY12 FY13 FY14 FY15 FY16

*Map for illustration purpose only 21 … and our Experienced Employees

Employee Addition Total Employees: 7,007*

14

75 128 4% 41 7,009 7,007 22% 13%

33% 28%

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Closing < 1 Year 1-2 Years 2-5 Years 5-10 Years > 10 Years

*Employees include full-time officers and clerks. 22 Performance Matrix

23 Strong Deposit Franchise

Core & Non-Core Deposits

Mar-16 Mar-16 Mar-16 Rs Crs 46,487 9,234 55,721

18% 14% 7%

40,694 11,219 51,912 Mar-15 Mar-15 Mar-15

Core Deposit Non-Core Deposit Total Deposit

CASA Deposits Mar-16 Mar-16 Mar-16 Rs Crs 1,983 10,476 12,459

9% 18% 17%

1,818 8,868 10,686 Mar-15 Mar-15 Mar-15

Current Deposit Savings Deposit Total CASA

24 Core Deposits Growing...

Breakup of Deposits CASA Deposit Rs Crs Rs Crs 55,721 +17% 53,441 51,912 52,324 53,036 12,459 10,686 1,983 1,818

8,868 10,476 34,059 29,968 31,517 32,334 33,204 Mar-15 Mar-16

Current Savings

Term Deposits Rs Crs 8,868 10,476 +14% 9,622 9,915 10,177 1,818 34,059 2,034 1,983 29,968 2,157 2,130 11,258 9,151 8,630 7,930 9,203

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Term Savings Current Others* Mar-15 Mar-16

*Others includes: Bulk, Certificates of Deposits 25 NRI Deposits Growing…

NRI Deposits CASA Rs Crs In (%)

14,303 13,566 23.0 12,904 22.8 12,193 22.4 11,393 22.3 20.6

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

26 Composition of Loan Book

Total Advances Segment wise Break Up Rs Crs Rs Crs

+10% 5,770 41,785 13.81% 16,099 40,215 40,601 38.53% 37,978 38,820 +4% 9,823 23.51% 16,099 16,857 16,584 15,433 16,317

+14%

25,686 1,371 23,358 24,017 22,545 22,503 3.28%

8,721 20.87%

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Corporate Retail Ex Gold Gold Corporate (Above Rs 25 Crs) Retail & SMEs (Below Rs. 25 Crs) SME Agriculture

27 Key Focus : Retail, SME & Agriculture

Retail excluding Gold Gold ( Average LTV – 65%) Rs Crs Rs Crs +22% -45% 8,721 2,485 7,927 Retail Loans (Excl. 7,172 7,365 7,595 2,003 1,655 Gold), Agriculture & 1,455 1,371 SME has grown by 21%

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Agriculture SME Rs Crs Rs Crs +42% +11% 5,549 5,770 5,352 9,086 9,823 ~15% of the 4,917 8,811 8,218 8,756 4,077 Agriculture & SME Loans are backed by Additional Security by way of GOLD

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

28 Advances growing across Regions

+10% Rs Crs 41,785 40,215 40,601 38,851 37,954 +10%

12,549 12,289 12,440 11,444 11,899

+6%

13,556 13,187 13,178 12,769 12,682

+14%

15,680 13,741 14,270 14,739 14,983

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Rest of India South Ex- Kerala Kerala

29 Net Interest Income - Quarter

Net Interest Income Cost of Deposits & Yield on Advances Rs Crs In % +8% Cost Of Deposit Yeild on Advances 407 388 374 347 340 11.61 11.49 11.38 11.21 10.56

8.05 7.85 7.53 7.38 7.24

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

Net Interest Margin Cost of Funds & Yield on Funds In % In % Cost of Funds Yield on Funds 2.81 2.92 2.70 2.54 2.63

9.38 9.39 9.28 9.21 8.78 7.07 6.92 6.71 6.55 6.38

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16* Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

* 13 bps adverse impact on interest reversal 30 Net Interest Income - Cumulative

Net Interest Income Cost of Deposits & Yield on Advances Rs Crs In % +11% Cost of Deposits Yield on Advances 1,510 1,366 11.74 11.49 11.43 11.36 1,135 11.18 729 7.99 7.85 7.69 340 7.58 7.52

Mar-15 Jun-15 Sep-15 Dec-15 Mar-15 Mar-15 Jun-15 Sept-15 Dec-15 Mar -16

Net Interest Margin Cost of Funds & Yield on Funds In % In % +3 bps Cost of Funds Yield on Funds 2.76 2.73 2.70 2.54 2.67

9.55 9.41 9.33 9.29 9.18 7.08 7.08 6.89 6.77 6.69

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sept-15 Dec-15 Mar -16

31 Operating Efficiency

Employee Additions C/I Ratio In %

59.28 128 58.70 56.60 56.62 72 52.66 -14 -41 -75 Mar-15 Jun-15 Sept-15 Dec-15 Mar -16 Mar-15 Jun-15 Sept-15 Dec-15 Mar -16

Business per Employee Business per Branch Rs Crs Rs Crs +11% +9%

11.5 11.7 11.9 12.0 107 107 108 108 10.8 99

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

32 Sustainable Other Income

Total Other Income led by …. …Sustainable : Transaction Fees + Technology Rs Crs Rs Crs +14% 153 72 72 76 139 67 122 121 60 104 50 52 52 39 44

22 21 21 23 23

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Transaction Fees Technology

Profit on Sale of Investments, Forex & Others Investment Book as on Dec-15

Rs Crs Details Rs. Crs M Duration 22 4 14 10 HTM 12,036 5.31 15 12 23 10 AFS 2,676 4.37 9 50 9 42 28 30 14 HFT 106 6.69 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Total 14,818 5.46 Forex Other Profit on Sale of Investments 33 Break Up of Provisions

Rs Crs Q4-FY 16 Q4-FY 15 Q3-FY16

For NPA & NPI 191.10 59.65 83.85

For Depreciation on Investments 0.50 6.88 12.21

For Standard Assets -37.37 10.64 10.85

For Restructured Advances/Sacrifices & FITL -29.45 46.67 -1.69

For Unhedged Forex Exposure -0.69 3.11 -1.23

Others -7.84 10.79 2.39

Taxes 33.08 10.91 55.04

Total Provisions 149.33 148.65 161.43

34 Non Performing Assets

Gross NPA Net NPA

3.77% 2.89%

2.75% 1.80% 2.24% 1.39% 1.21% 1.71% 1.85% 0.96%

Mar-15 June-15 Sept-15 Dec-15 Mar-16 Mar-15 June-15 Sept-15 Dec-15 Mar-16

Gross NPA movement in Q4FY16 Net NPA movement in Q4FY16 Rs Crs Rs Crs 195 391 1,185 1,562 845 664 1,108 716

Opening Additions Deductions Closing Opening Additions Deductions Closing

35 Restructured Advances Breakup

Restructured Assets Break-up Sector Standard Restructure – Q4FY16 Rs Crs 2,313 2,236 Government’s 2,170 2,068 313 Uday Scheme 195 306 targeted towards 186 UDAY Scheme power Discoms to Benefit will immensely benefit SIB 1,392

23% 443 35% 2,000 1,882 1,975 1,930

Benefits of Uday getting reflected 949 in Restructured 42% Book

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Power Discoms Construction EPC Restructured NPA Others Restructured Standard Advance

*Other includes IT, Bullion, etc. 36 Restructured Standard Asset Book

Rs Crs

Restructured Standard Advance

Increase in Uday – SDL Opening Slippages to NPA Closing Balance Existing Balance Investments

DISCOMS +884 0 -670 0 +214

Construction EPC +644 +6 - -249 +401

Others +402 +16 - -84 +334

Total +1,930 +22 -670 -333 +949

Rs. 214 Crs of DISCOM Exposure may be restructured under Uday Scheme

37 Movement in Restructured Accounts

Movement in Restructured Accounts Rs Crs Shift of focus from Large Corporate 34 0 0 to SMEs

751

Defocusing from 127 2,236 Power & Infra Sectors

1,392

Special Recovery Cell & Opening Fresh Inc. in Upgradation Closure Dec. in Closing Asset Monitoring Cell Additions Balance to Standard including Balance write off

38 Adequate Provisioning

NPA Provisioning Rs Crs

Provisioning Coverage Ratio 199.9 214.0 40.34%

368.8 354.6

Advances in the Initial quarters as NPAs : Requiring Less Provisioning Opening Additions Deductions Closing

39 Fresh Slippages/Advance Ratios

Retail Slippage Agriculture Slippage 0.86%

0.23% 0.26% 0.21% 0.23% 0.19% 0.12% 0.12% 0.15% 0.02%

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16 Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

SME Slippage Corporate Slippage 0.61% 0.55% 4.42% 0.43% 0.44%

0.27% 0.95% 1.80% 0.59% 0.60%

Mar-15 Jun-15 Sept-15 Dec-15 Mar-16 Mar-15 Jun-15 Sept-15 Dec-15 Mar-16

40 Well Capitalized to support Growth

BASEL III In % 12.1 11.9 11.7 11.8 11.4 1.6 2.0 1.4 2.3 2.3

10.5 10.0 9.6 9.4 9.8

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

41 Key Performance Highlights- Q4 FY16

Rs Crs Q4 - FY 16 Q4 - FY 15 YOY

Net Interest Income 374.29 347.09 7.84%

Other Income 139.06 121.94 14.04%

Profit After Tax 72.97 16.32 347.12%

Advances 41,785 37,978 10.02%

Deposits 55,721 51,912 7.34%

GNPA 3.77 1.71 120.31%

NNPA 2.89 0.96 200.67%

NIM 2.73 2.70 3bps

CASA 22.36% 20.59% 177bps

42 Balance Sheet Overview- Q4 FY16

Rs Crs Q4-FY 16 Q4-FY 15 Y-o-Y (%) Q3-FY 16 Q-o-Q (%) Capital & Liabilities 63,175 59,116 6.95% 60,269 4.91% Capital 135 135 0.01% 135 0.01% Reserves and Surplus 3,707 3,454 7.30% 3,715 -0.22% Deposits 55,721 51,912 7.34% 53,441 4.27% Borrowings 2,315 2,232 5.99% 1,665 42.10% Other Liabilities & Provisions 1,297 1,382 -6.10% 1,312 -1.12% Assets 63,175 59,116 6.95% 60,269 4.91% Cash & Balances with RBI 2,476 2,442 1.42% 2,367 4.61% Balances with Banks 623 1,154 -41.53% 249 171.29% Investments 14,619 14,086 3.78% 13,259 10.26% Advances 41,086 37,392 9.88% 39,909 2.95% Fixed Assets 487 479 1.66% 485 0.32% Other Assets 3,884 3,564 8.96% 4,000 -2.90% Business (Advances + Deposits) 96,806 89,304 8.40% 93,350 3.70% Current Accounts 1,983 1,818 9.09% 2,130 -6.90% Savings Accounts 10,476 8,868 18.12% 10,177 2.94% CASA Ratio 22.36% 20.59% 177 bps 23.03% (67 bps) 43 Profit & Loss Overview- Q4 FY16

Rs Crs Q4-FY 16 Q4-FY 15 Y-o-Y (%) Q3-FY16 Q-o-Q (%)

Net Interest Income 374.29 347.09 7.84% 406.72 -7.97%

Other Income 139.06 121.94 14.04% 153.32 -9.30%

Total Income 513.35 469.03 9.45% 560.04 -8.34%

Operating Expenses 291.05 304.05 -4.27% 296.97 -1.99%

Operating Profit 222.30 164.98 34.74% 263.07 -15.50%

Provisions (Ex-Tax) & 116.25 137.74 -15.60% 106.39 9.27% Contingencies

Profit Before Tax 106.05 27.24 289.35% 156.68 -32.32%

Provision for Tax 33.08 10.91 203.21% 55.05 -39.91%

Exceptional Items - - - - -

Profit After Tax 72.97 16.33 346.92% 101.63 -28.21%

44 Key Metrics- Quarterly

FY15 FY16 Particulars Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Net Interest Margin (NIM) 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% Book Value per Share (Rs.) 25.88 26.47 27.10 26.59 27.07 27.76 28.51 28.45 Earnings per Share (Rs.) (Annualized) 3.78 3.01 2.87 2.28 1.93 2.34 2.56 2.47 Branches - Kerala 439 440 441 444 447 447 447 449 - South India (Ex-Kerala) 230 232 233 239 242 244 244 245 - Rest of India 132 133 136 139 139 140 140 140 Total Branches 801 805 810 822 828 831 831 834 ATMs - Kerala 565 587 607 651 670 682 688 698 - South India (Ex-Kerala) 297 313 325 365 378 380 384 387 - Rest of India 156 163 176 184 196 198 200 202 Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287

45 Next Generation Bank

46 Present across Customer Touch Points

Traditional & Alternate Channels

Mobile Banking

ATMs Branches 1,287 ATMs across India 834 Branches & 42 Extension Counters

Internet Banking Point of Sale

47 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

48 Personal Banking: Technology Banking

Active Internet Users Internet Transaction Volume Internet Transaction Value (000)’s (000)’s Rs Crs 1,254 2,356 2,385 2,515 1,887 1,887 162 866 138 135 133 134 556 536 591

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar- Jun-15 Sep-15 Dec-15 Mar- 15 16

Mobile Transaction Volume Mobile Transaction Value (000)’s 670 Rs Crs 170

507 124 437 104 342 265 74 50

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

49 Personal Banking: Debit Cards

No. of Active Debit Cards Debit Card Transaction Volumes

In Millions In Millions 29.2 28.9 30.4 26.2 26.8 3.3 2.7 3.0 2.5 2.8

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

Debit Card Transaction Value Rs Crs 5,375 5,047 5,164 4,518 4,806

Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

50 An Inflection Point

51 Way Forward

Expand • Focus on retail loan products Retail • Efficient branches for faster processing of loans Business • Continuous training of work force • Invest in Brand Building

Strengthen • Cluster based approach in industry hubs SME Base • Sole Banker to SMEs for all banking needs • Dedicated vertical to penetrate SME banking

Improve • Strategy & Road map in place to increase CASA funds CASA • Centralized processes allowing branches to focus on garnering low cost funds

Enhance • Granulize loan portfolio to spread out risk Asset • Cautious approach on large corporate lending Quality • Special recovery cell for monitoring non performing and restructured assets

Improve • Focus on increasing banking services for SME, Retail & NRI share of clients other • Enhance treasury capabilities & increase bench strength Income • Expand PoS & ATM Network

52 Awards & Recognitions

53 Awards & Recognition

SIB wins 'Best Private Sector Bank’ in the ABP News BFSI Awards 2015

SIB wins 'Best IT Team Award‘ SIB wins Banking Frontiers Inspiring Work Banking Technology Excellence Award Places Award

54 For further information, please contact:

Company Investor Relations Advisors

The South Indian Bank Ltd. Strategic Growth Advisors Pvt. Ltd. CIN – L65191KL1929PLC001017 CIN - U74140MH2010PTC204285 Mr. C. P. Gireesh, CFO Ms. Payal Dave / Mr. Shogun Jain [email protected] [email protected] / [email protected] +91 98199 16314 / +91 77383 77756 www.southindianbank.com www.sgapl.net

55