South Indian Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Net Interest Income: Rs 868.32 crore (YoY decline of 0.73%) Other Income: Rs 572.37 crore (YoY growth of 65.41%) Operating Profit: Rs 683.31 crore (YoY growth of 57.61%) Profit Before Tax (PBT): Rs 459.12 crore (YoY growth of 16.85%) Net Profit After Tax (PAT): Rs 342.19 crore (YoY growth of 18.99%) FY25 Financial Highlights: Operating profit of the year increased by 21.55% from Rs 1,867.67 crore in FY24 to Rs 2,270.08 crore in FY25 GNPA is down by 130 bps from 4.50% to 3.20 % on YoY basis NNPA decreased by 54 bps from 1.46% to 0.92% on YoY basis PCR including write off increased by 593 bps from 79.10% to 85.03% YoY basis PCR excl. write off increased by 310 bps from 68.66% to 71.77% YoY basis The Board of Directors had recommended 40% dividend subject to approval of the Share Holders in AGM. Highest ever business of Rs 1,95,104.12 crore in the history of the Bank Highest ever net profit of Rs 1,302.88 crore in the history of the Bank Highest ever operating profit of Rs 2,270.08 crore in the history of the Bank Highest ever other income of Rs 1,813.43 crore in the history of the Bank Highest ever net interest income of Rs 3,485.64 crore in the history of the Bank Highest Return on Assets of 1.05% in the last 20 years Highest Return on Equity of 12.90% in the last 11 years Reduced Net NPA of less than 1% P R Seshadri, MD & CEO of the Bank, stated that, “While announcing the financial results, I am pleased to share that our strategy continues to center around sustained profitability, superior asset quality, a resilient loan book, and a robust retail liability portfolio. We are sharpening our organizational structure and leveraging digital technology to effectively achieve our business objectives. During the reporting period, the Bank witnessed consistent growth across all targeted segments, with a sharp focus on acquiring quality assets in verticals such as Corporate Lending, Auto Loans, Housing Loans, and Gold Loans. Aligned with our strategic intent of ‘Profitability through Quality Credit Growth’, we have successfully on-boarded new advances with low-risk profiles, ensuring a well-balanced and healthy credit portfolio.” Result PDF