South Indian Bank's Q4 FY 2025-26 Quarterly Results

Result Summary

• South Indian Bank Ltd reported a 1.9% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of -0.0%.
• Its expenses for the quarter were down by 2.2% QoQ and up 4.5% YoY.
• The net profit increased 8.8% QoQ and increased 19.0% YoY.
• The earnings per share (EPS) of South Indian Bank Ltd stood at 1.55 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

South Indian Bank Ltd is a prominent regional bank in India, primarily serving customers in the southern part of the country. The bank offers a range of financial services including retail banking, corporate banking, and treasury operations. It is well-known for its focus on customer-centric services and digital banking initiatives. While specific recent developments are not mentioned in the provided data, the bank operates within a competitive Indian banking industry that is characterized by rapid technological adoption and regulatory changes.

Revenue

The total income of South Indian Bank Ltd for Q4FY26 was ₹2945.32 crores, compared to ₹3003.26 crores in Q3FY26 and ₹2945.77 crores in Q4FY25. This represents a quarter-over-quarter decrease of 1.9% and a year-over-year change of -0.0%, indicating stability in revenue on an annual basis. The slight decrease in total income from the previous quarter suggests a minor variance in revenue generation over the short term.

Profitability

During Q4FY26, South Indian Bank Ltd reported a Profit Before Tax (PBT) of ₹546.53 crores, which marks an increase of 8.4% from ₹504.16 crores in Q3FY26 and a 19.0% rise from ₹459.25 crores in Q4FY25. The bank's Profit After Tax (PAT) for Q4FY26 was ₹407.40 crores, up by 8.8% from ₹374.48 crores in the previous quarter and 19.0% from ₹342.41 crores in the same quarter a year ago. The Earnings Per Share (EPS) also saw an increase to ₹1.55 from ₹1.43 in Q3FY26 and ₹1.31 in Q4FY25, reflecting growth in shareholder returns. The tax expenses for Q4FY26 stood at ₹139.13 crores, showing a rise of 7.3% QoQ and 19.1% YoY.

Operating Metrics

Total expenses for Q4FY26 were ₹2364.39 crores, which is a decrease of 2.2% from the previous quarter's ₹2418.69 crores, yet an increase of 4.5% from the ₹2262.33 crores recorded in Q4FY25. Provisions and contingencies for Q4FY26 significantly decreased to ₹34.40 crores from ₹80.41 crores in Q3FY26 and ₹224.19 crores in Q4FY25, reflecting a substantial reduction of 57.2% QoQ and 84.7% YoY. These changes in expenses and provisions may impact operational cost management and risk provisioning strategies. Key financial ratios such as the P/E ratio, debt-to-equity ratio, and current ratio were not provided in the data, hence calculations for the same are not possible.