The South Indian Bank Limited Q2 FY26 earnings call summary

Earnings call of 17 Oct 2025, summarised by AI from the filing.

South Indian Bank Q2 FY26 net profit ₹351 cr, up 8%, with NIM at 2.8% seen as the trough and recovery guided.

Key takeaways

1. Mix shift Corporate advances fell to 40% of total from 42% in the preceding quarter as retail and MSME grew.
2. Rate risk Further RBI rate cuts would hit P&L quickly as transmission is already complete.

Original filing on BSE

The South Indian Bank Limited Q1 FY27 results

As filed: Revenue ₹2,628 cr, EBITDA ₹128 cr, PAT ₹378 cr, EBITDA margin 4.9%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹2,559 cr, EBITDA ₹161 cr, PAT ₹407 cr, EBITDA margin 6.3%. Not scored. Bank result format: not scored yet. Share price after the results: +7.4% in 30 days (Nifty 500: −1.5%).
• Q3 FY26: Revenue ₹2,518 cr, EBITDA ₹18.4 cr, PAT ₹374 cr, EBITDA margin 0.7%. Not scored. Bank result format: not scored yet. Share price after the results: −3.6% in 29 days (Nifty 500: −0.7%).
• Q2 FY26: Revenue ₹2,407 cr, EBITDA −₹42.5 cr, PAT ₹352 cr, EBITDA margin -1.8%. Not scored. Bank result format: not scored yet. Share price after the results: +15.9% in 29 days (Nifty 500: +2.0%).
• Q1 FY26: Revenue ₹2,362 cr, EBITDA −₹189 cr, PAT ₹322 cr, EBITDA margin -8.0%. Not scored. Bank result format: not scored yet. Share price after the results: −5.0% in 28 days (Nifty 500: −3.4%).
• Q4 FY25: Revenue ₹2,373 cr, EBITDA −₹113 cr, PAT ₹342 cr, EBITDA margin -4.8%. Not scored. Bank result format: not scored yet. Share price after the results: +12.7% in 29 days (Nifty 500: +1.8%).
• Q3 FY25: Revenue ₹2,371 cr, EBITDA ₹15.9 cr, PAT ₹342 cr, EBITDA margin 0.7%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹2,355 cr, EBITDA −₹9.4 cr, PAT ₹325 cr, EBITDA margin -0.4%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

The South Indian Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (17 Jul 2026), Results deck (16 Jul 2026), Results press release (16 Jul 2026)
• Q4 FY26: Earnings call (7 May 2026), Results deck (6 May 2026), Results press release (6 May 2026)
• Q3 FY26: Earnings call (16 Jan 2026), Results deck (15 Jan 2026), Results press release (15 Jan 2026), Results press release (15 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (16 Oct 2025), Results press release (16 Oct 2025)
• Q1 FY26: Earnings call (18 Jul 2025), Results deck (17 Jul 2025), Results press release (17 Jul 2025)
• Q4 FY25: Earnings call (16 May 2025), Results deck (15 May 2025), Results press release (15 May 2025)