The South Indian Bank Limited has released an investor presentation for the quarter and nine months ended December 31, 2025. The presentation details the bank's performance, strategic initiatives, and future outlook.

Key performance highlights for Q3FY26 include a Profit After Tax of ₹374 Crore, Return on Assets of 1.07%, and Return on Equity of 13.49%. The Net Interest Margin stood at 2.86%. Gross Advances reached ₹96,764 Crore, and Deposits grew to ₹118,211 Crore.

The bank continues to focus on its transformation journey, shifting from corporate to MSME and retail segments. Disbursements in the MSME and Retail Loans segments saw significant year-on-year growth of 45% and 60% respectively. The bank also reported healthy asset quality with a Gross NPA of 2.67% and Net NPA of 0.45%.

SIB is enhancing its digital capabilities with various initiatives, including improvements to the Mirror+ app, integration with the Indian Bullion and Jewellers Association, and a new in-house Loan Origination System. These efforts are leading to a rise in digital transactions, with digital channels accounting for 98.5% of total transactions in December 2025.

The bank's 'Way Forward' strategy focuses on 'Building Frictionless Processes' through various digital and automated solutions like STP-enabled credit proposals for MSME and retail loans, automated STP platforms for Loan Against Property, and an in-house STP process flow for Vehicle Loan proposals. These initiatives are expected to streamline operations and improve customer experience.