Thrissur, January 15, 2026: South Indian Bank Ltd (NSE: SOUTHBANK, BSE: 532218) reported a steady set of numbers for the quarter ended December 31, 2025, with net profit rising 9.5 percent year on year to ₹374.32 crore. The improvement was driven by higher operating profit and continued moderation in provisions.
Q3 FY26 Financial Performance (Standalone)
All figures in ₹ crore| Particulars | Q3 FY26 | Q3 FY25 | YoY Change |
|---|---|---|---|
| Total Income | 3,003.46 | 2,779.96 | +8.0% |
| Operating Profit | 584.33 | 528.84 | +10.5% |
| Profit Before Tax | 503.92 | 462.80 | +8.9% |
| Net Profit | 374.32 | 341.87 | +9.5% |
| Return on Assets | 1.09% | 1.10% | Flat |
Asset Quality Snapshot
| Asset Quality Metrics | Q3 FY26 | Q3 FY25 |
|---|---|---|
| Gross NPA | 2,581.50 | 3,735.56 |
| Net NPA | 425.90 | 1,056.11 |
| Gross NPA Ratio | 2.67% | 4.30% |
| Net NPA Ratio | 0.45% | 1.25% |
Nine-Month Performance (Standalone)
For the nine months ended December 31, 2025, the bank reported a net profit of ₹1,047.64 crore, compared with ₹960.69 crore in the corresponding period last year.| Particulars | 9M FY26 | 9M FY25 |
|---|---|---|
| Total Income | 8,910.57 | 8,280.93 |
| Operating Profit | 1,792.09 | 1,586.77 |
| Profit Before Tax | 1,409.15 | 1,297.77 |
| Net Profit | 1,047.64 | 960.69 |
Segment-Wise Performance (Q3 FY26)
All figures in ₹ crore| Segment | Revenue |
|---|---|
| Retail Banking | 1,350.85 |
| Corporate and Wholesale Banking | 865.56 |
| Treasury | 651.47 |
| Other Banking Operations | 135.58 |
Balance Sheet Highlights
- Deposits stood at ₹1.18 lakh crore as of December 31, 2025, compared with ₹1.05 lakh crore a year earlier
- Advances increased to ₹94,712.62 crore from ₹84,396.44 crore
- Net worth improved to ₹10,597.08 crore
Capital Position
The capital adequacy ratio stood at 17.84 percent at the end of December 2025. During the quarter, the bank exercised the call option on ₹300 crore Tier-II bonds, supporting capital optimisation.About the Company
South Indian Bank Ltd is a Kerala-based private sector bank offering retail, corporate, and digital banking services across India. The bank is listed on the NSE and BSE and continues to focus on profitability improvement, asset quality strengthening, and balance sheet stability.Source:
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