South Indian Bank
Mid/Small Private · NSE SOUTHBANK · Market cap ₹12,190
Latest FY FY2026
Loan growth
15.8%
Deposit growth
14.7%
NIM
3.2%
86th pctile
ROA
1.1%
ROE
13.6%
Gross NPA
1.4%
16th pctile
P/B
0.79x
60th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 15.8% | 17.7% | -1.9pp | — |
| Deposit growth | 14.7% | 13.4% | +1.4pp | — |
| CASA | 33.0% | 32.7% | +0.3pp | 90th |
| NIM | 3.2% | 3.6% | -0.3pp | 86th |
| ROA | 1.1% | 1.1% | +0.0pp | — |
| ROE | 13.6% | 12.4% | +1.2pp | — |
| Gross NPA | 1.4% | 1.9% | -0.5pp | 16th |
| Credit cost | 1.0% | 1.3% | -0.3pp | — |
| Cost/income | 57.9% | 55.1% | +2.8pp | — |
| CRAR | 19.6% | 18.9% | +0.7pp | — |
| P/B | 0.79x | 1.07x | -0.3pp | 60th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Fresh Slippages - Quarterly at 128.00 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Fresh Slippages - Quarterly -33.3% YoY to 128.00 · abs(yoy)>=15%
- ▲Gross NPA -56.2% YoY to 1.38 · abs(yoy)>=15%
- ▲Capital to Risks Assets Ratio (CRAR) at 19.62 — 93th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲CASA Ratio at 32.98 — 90th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations