Experience Next Generation Banking
Investor PresentationJuly - 2016
2
Safe Harbor
No representation or warranty, express or implied is made as to, and no relianceshould be placed on, the fairness, accuracy, completeness or correctness of suchinformation or opinions contained herein. The information contained in thispresentation is only current as of its date. Certain statements made in thispresentation may not be based on historical information or facts and may be “forwardlooking statements”, including those relating to the Company’s general business plansand strategy, its future financial condition and growth prospects, and futuredevelopments in its industry and its competitive and regulatory environment. Actualresults may differ materially from these forward-looking statements due to a numberof factors, including future changes or developments in the Company’s business, itscompetitive environment and political, economic, legal and social conditions in India.This communication is for general information purpose only, without regard tospecific objectives, financial situations and needs of any particular person. Thispresentation does not constitute an offer or invitation to purchase or subscribe forany shares in the Company and neither any part of it shall form the basis of or berelied upon in connection with any contract or commitment whatsoever. TheCompany may alter, modify or otherwise change in any manner the content of thispresentation, without obligation to notify any person of such revision or changes. Thispresentation can not be copied and/or disseminated in any manner.
3
Contents
About Us
Business Strategy
Performance Matrix
Next Generation Bank
An Inflection Point
4
Business Strategy
5
Our Strategy…
• Focus on retail loan products
• Efficient branches for faster processing of loans
• Continuous training of work force
• Invest in Brand Building
Expand Retail
Business
• Cluster based approach in industry hubs
• Sole Banker to SMEs for all banking needs
• Dedicated vertical to penetrate SME banking
Strengthen SME Base
• Strategy & Road map in place to increase CASA funds
• Centralized processes allowing branches to focus on garnering low cost funds
Improve CASA
• Granulize loan portfolio to spread out risk
• Cautious approach on large corporate lending
• Special recovery cell for monitoring non performing and restructured assets
Enhance Asset
Quality
• Focus on increasing banking services for SME, Retail & NRI clients
• Enhance treasury capabilities & increase bench strength
• Expand PoS & ATM Network
Improve share of
other Income
6
…Our Performance is in Line with our Strategy
INCREASE20% YoY
Expand Retail Business (Ex cl. Gold)
Rs. 24,609 Crs
Strengthen SME Base
Rs. 9,830 Crs
Improve CASA
23.24%
Enhance Asset Quality(Restructured Book)
Rs. 1,387 Crs
Improve share of other Income
Rs. 173 Crs
INCREASE20% YoY
INCREASE96 bps YoY
DECREASE36% YoY
INCREASE67% YoY
7
We will continue to focus on our Core Strengths
01 Increase …
CASA
02 Retail Business …
More Products
03 SME Business …
Sole Banker
04 Improve
NIM
05 Increase…
Fee Income
06 Sustainable…
Asset Quality
RetailRelationships
SMERelationships
8
...Increase Retail & SME Business
• Enhanced risk management
• KYC compliance and fraud prevention tools
Loan Processing
• Penetrate further in the existing set of Customers
• Faster Sanctions
Retail Business
• Focus on particular geographies and open additional branches
• Improve Branch Profitability
Branch Profitability
Centralize Marketing & Processing
Centre (Kochi)
01 02 03
Retail Hub
• Home Loan• Auto Loan• MSME Loan• LAP
Cluster Branches
9
…by focus on Housing Loans in Retail
2,241 2,369 2,499 2,614 2,677
2,003 1,655 1,417
1,540 1,559 1,501 1,564 1,510
1,733 1,801 1,9982,521 2,410
941 858 872
973 925910 1,008 1,057
1,049 1,063
1,455 1,371
9,382
Dec-15Sep-15
9,250
Jun-15
9,368
Jun-16
10,002
Mar-16
10,093
Retail Breakup
LAD*
Service & Traders
Manufacturing
Gold
Housing
Others
Housing: Key Initiatives
• Retail hub in Cochin to increase focus on housing finance
• Two more hubs to be set up – one in South India and one in North India
• Branch staff being given specific training to market mortgage loans
• Marketing initiative through TVCs
• Tailor made products for different segments
April to June 2016
• Housing Loans Sanctioned : 826 Nos.
• Amount of Housing Loans Sanctioned – Rs. 165 cr
Rs Crs
*LAD = Loan against deposits
10
…becoming a Banker of Choice to SMEs
Loan Book by Geography – Q1 FY17
• Dedicated DGM appointed to ensure focus and better coordination with regions
• Focused ‘Green Channel’ branches to drive faster loan growth to SMEs
• Target to become banker of choice to SMEs thereby getting other business as well –liabilities, vehicle finance, etc.
• Ongoing training (in-house as well as external)
SME Highlights
Average SME Loan / Account
15.5615.3315.2615.28
13.70
Sep-15Jun-15 Jun-16Mar-16Dec-15
Kerala44%
South (Ex-
Kerala)33%
Rest of India23%
Rs Lakhs
11
…with the help of our Branch Network
Branch Location*No of
Branches
Kerala 453
South India (Ex-Kerala) 245
Rest of India 140
Total 838
Total Branch Network
Total ATM Network
838834822794738688
FY12 FY13 FY14 FY15 FY16 Q1 FY17
+4.0%
1,2911,2871,200
1,000800
663
+14.3%
FY14 FY15 FY16 Q1 FY17FY13FY12
*Map for illustration purpose only
12
… and our Experienced Employees
Total Employees: 6,975*
1%13%
34%
30%
22%
< 1 Year 1-2 Years 2-5 Years
5-10 Years > 10 Years
Employee Addition
41
32
75
6,975
ClosingJun-16Mar-16Dec-15Sep-15
14
Jun-15
7,137
*Employees include full-time officers and clerks.
13
Performance Matrix
14
Strong Deposit Franchise
Core & Non-Core Deposits
CASA Deposits
13%
Core Deposit Non-Core Deposit Total Deposit
June-16 June-16
June-15 June-1543,173
48,634
52,324
57,889
11%
Current Deposit Savings Deposit Total CASA
June-16 June-16 June-16
June-15 June-15 June-15
2,034 9,622
11,267
11,656
13,454
8% 17% 15%
2,187
Rs Crs
Rs Crs
1%
June-16
June-159,151
9,255
15
Core Deposits Growing...
Breakup of Deposits
9,151 8,630 7,930 9,203 9,205
9,622 9,915 10,17710,476 11,267
31,517 32,334 33,20434,059
35,230
2,157
Sep-15
53,036
Jun-15
52,324
2,034
Jun-16
57,889
2,187
Mar-16
55,721
1,983
Dec-15
53,441
2,130
Others*CurrentSavingsTerm
CASA Deposit
2,187
Jun-15
+15%
11,267
13,454
Jun-16
11,656
9,622
2,034
Term Deposits
35,23031,517
+12%
Jun-16Jun-15
Rs Crs Rs Crs
SavingsCurrent
Rs Crs
*Others includes: Bulk, Certificates of Deposits
16
NRI Deposits Growing…
22.3 22.8
23.0
22.4
23.2
Jun-15 Sept-15 Dec-15 Mar-16 Jun-16
CASA NRI Deposits
15,02514,303
13,56612,904
12,193
Jun-16Mar-16Dec-15Sep-15Jun-15
+23%
In (%)Rs Crs
17
15,998 , 38.07%
8,585 , 20.43%
1,417 , 3.37%
9,830 , 23.39%
6,194 , 14.74%
Corporate Retail Ex Gold Gold
SME Agriculture
Composition of Loan Book
26,02625,68624,01723,35822,503
Dec-15Sep-15Jun-15 Jun-16Mar-16
+16%
Segment wise Break UpCorporate Advances (Above Rs 25 Crs)
Rs Crs Rs Crs
15,99816,09916,58416,85716,317
Jun-16Mar-16
-2%
Dec-15Sep-15Jun-15
Retail Advances
Rs Crs
18
Key Focus : Retail, SME & Agriculture
Retail excluding Gold Gold ( Average LTV – 65%)
SMEAgriculture
8,5858,7217,9277,5957,365
Mar-16Dec-15Sep-15Jun-15 Jun-16 Mar-16
1,371
Dec-15
1,455
Sep-15
1,655
Jun-15
2,003
Jun-16
1,417
9,8309,8239,0868,7568,218
Mar-16Dec-15Sep-15Jun-15 Jun-16
6,1945,7705,5495,352
4,917
Mar-16Dec-15 Jun-16Jun-15 Sep-15
~15% of the Agriculture & SME
Loans are backed byAdditional Security
by way of GOLD
Retail Loans (Excl. Gold), Agriculture &
SME has grown by 20%
Rs Crs
Rs Crs
Rs Crs
Rs Crs
19
Advances growing across Regions
14,270 14,739 14,983 15,680 15,994
12,682 13,187 13,17813,556 13,315
11,89912,289 12,440
12,549 12,715
41,785
Mar-16Dec-15
40,601
Sep-15
40,215
Jun-15
38,851
Jun-16
42,024
Rest of India KeralaSouth Ex- Kerala
Rs Crs
20
Net Interest Income - Quarter
Net Interest Income
374374407388
340
Mar-16Dec-15Sep-15Jun-15 Jun-16
Cost of Deposits & Yield on Advances
Net Interest Margin
2.742.632.922.81
2.54
Jun-16Sep-15Jun-15 Dec-15 Mar-16
Cost of Funds & Yield on Funds
Rs Crs
In %
In %
7.07 6.71 6.55 6.38 6.30
9.39 9.28 9.21 8.788.73
Jun-15 Sept-15 Dec-15 Mar-16 Jun-16
Cost of Funds Yield on FundsIn %
7.85 7.53 7.38 7.24 6.98
11.49 11.38 11.21 10.56 10.89
Jun-15 Sept-15 Dec-15 Mar-16 Jun-16
Cost Of Deposit Yeild on Advances
21
Net Interest Income - Cumulative
Net Interest Income
374
1,510
1,135
729
340
Sep-15 Dec-15 Mar-16 Jun-16Jun-15
7.85 7.69 7.58 7.526.98
11.49 11.43 11.36 11.1810.89
Jun-15 Sept-15 Dec-15 Mar -16 Jun -16
Cost of Deposits Yield on Advances
Cost of Deposits & Yield on Advances
Net Interest Margin
2.742.732.762.672.54
Jun-16Jun-15 Sep-15 Dec-15 Mar-16
Cost of Funds & Yield on Funds
Rs Crs
In %
In %
7.08 6.89 6.77 6.69 6.30
9.41 9.33 9.29 9.18 8.73
Jun-15 Sept-15 Dec-15 Mar -16 Jun -16
Cost of Funds Yield on FundsIn %
22
Improving Operating Efficiency
59.2858.70
56.60 56.62
52.57
Jun-15 Sept-15 Dec-15 Mar -16 Jun -16
C/I Ratio
Business per Employee Business per Branch
13.012.011.911.711.5
Mar-16Dec-15Sep-15Jun-15 Jun-16
115108108107107
Mar-16Dec-15Sep-15Jun-15 Jun-16
Employee Additions
128
-14
-75
-41 -32
Jun-15 Sept-15 Dec-15 Mar -16 Jun -16
In %
Rs Crs Rs Crs
23
Sustainable Other Income
…Sustainable : Transaction Fees + Technology
21 21 23 23 25
5239 44 52 54
Jun-16
79
Mar-16
76
Dec-15
67
Sep-15
60
Jun-15
72
Total Other Income led by ….
TechnologyTransaction Fees
Investment Book as on Jun-16
Rs Crs Rs Crs
42 5030
57
14
23
13
14
15
2422
10
Dec-15 Jun-16Mar-16Sep-15
4
Jun-15
99
Profit on Sale of InvestmentsOtherForex
Profit on Sale of Investments, Forex & Others
Rs Crs
173
139153
121104
Jun-16Mar-16Dec-15Sep-15Jun-15
Details Rs. Crs M Duration
HTM 12,562 5.44
AFS 2,572 3.76
HFT 2.34 -
Total 15,137 5.20
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Break Up of Provisions
Rs Crs Q1-FY 17 Q1-FY 16 Q4-FY16
For NPA & NPI 93.09 41.22 191.10
For Depreciation on Investments -5.36 20.33 0.50
For Standard Assets 22.18 9.43 -37.37
For Restructured Advances/Sacrifices & FITL 4.05 6.71 -29.45
For Unhedged Forex Exposure 0.31 -1.08 -0.69
Others -0.16 2.89 -7.84
Taxes 50.31 36.08 33.08
Total Provisions 164.42 115.58 149.33
25
Non Performing Assets
Net NPA
1.21%1.39%
1.80%
2.89% 2.89%
June-15 Sept-15 Dec-15 Mar-16 Jun-16
Gross NPA
1.85%2.24%
2.75%
3.77% 3.96%
June-15 Sept-15 Dec-15 Mar-16 Jun-16
Net NPA MovementGross NPA Movement
Rs Crs Sep-15 Dec-15 Mar-16 Jun-16
Opening 714 892 1,108 1,562
Additions 222 367 845 125
Deductions 44 151 391 36
Closing 892 1,108 1,562 1,651
Rs Crs Sep-15 Dec-15 Mar-16 Jun-16
Opening 464 550 716 1,185
Additions 89 311 664 105
Deductions 4 145 195 98
Closing 550 716 1,185 1,192
26
Restructured Advances Breakup
Restructured Assets Break-up
195313
306
443 442
945949
1,930
2,236
Dec-15
1,392
Sep-15
2,313
2,000
Mar-16Jun-15
2,170
1,975
Jun-16
1,387
Restructured Standard Advance
Restructured NPA
Sector Standard Restructure – Q1FY17
18%
43%
39%
Power DiscomsConstruction EPCOthers
Rs Crs
*Other includes IT, Bullion, etc.
Government’s Uday Scheme
targeted towards power Discomsbenefiting SIB
Benefits of Udaygetting reflected in Restructured
Book
UDAY Scheme to Benefit
27
Restructured Standard Advance
Restructured Standard Asset BookRs Crs
+214 0 -43
+402 0 -
+333 0 -
DISCOMS
OpeningIncrease in
Existing Balance
Uday – SDLInvestments
Construction EPC
Others
0
0
0
Slippages to NPA
+949 0 -43Total 0
+169
+402
+374
Closing Balance
+945
0
0
+42
Fresh Addition
+42
-2
0
-1
Decrease in Balance
-3
28
Movement in Restructured Accounts
Movement in Restructured Accounts
4642
Closing
1,387
Dec. in BalanceUpgradationto Standard
1
Fresh AdditionsOpening
1,392
Shift of focus from Large Corporate
toSMEs
Defocusing from Power & Infra Sectors
Special Recovery Cell &
Asset Monitoring Cell
Rs Crs
29
Adequate Provisioning
NPA Provisioning
8.5
91.1
Closing
437.2
DeductionsAdditionsOpening
354.6
Provisioning
Coverage Ratio
42.55%
Advances in the Initial
quarters as NPAs :
Requiring
Less Provisioning
Rs Crs
30
Fresh Slippages/Advance Ratios
SME Slippage
Retail Slippage
Corporate Slippage
0.19%0.12% 0.15%
0.86%
0.55%
Jun-15 Sept-15 Dec-15 Mar-16 Jun-16
Agriculture Slippage
0.21% 0.23%
0.02%
0.23%
0.38%
Jun-15 Sept-15 Dec-15 Mar-16 Jun-16
0.55%
0.44%
0.61%
0.27%
0.55%
Jun-15 Sept-15 Dec-15 Mar-16 Jun-16
0.60%0.95%
1.80%
4.42%
0.00%
Jun-15 Sept-15 Dec-15 Mar-16 Jun-16
31
Well Capitalized to support Growth
BASEL III
10.0 9.6 9.4 9.8 9.9
1.4 2.3 2.32.0 1.8
Mar-16
11.8
Dec-15
11.7
Sep-15
11.9
Jun-15
11.4
Jun-16
11.7
In %
32
Key Performance Highlights- Q1 FY17
Rs in Crores Q1 FY17 Q1 FY16 Growth
Net Total Income
547 444 23.17%
EBIDTA 17 41 26%Deposits 57,889 52,324 10.64%
Advances 42,024 38,820 8.25%
CASA 23.24% 22.28% 96 bps
PAT 95 65 45.60%
33
Balance Sheet Overview- Q1 FY17
Rs Crs Q1-FY 17 Q1-FY 16 Y-o-Y (%) Q4-FY 16 Q-o-Q (%)
Capital & Liabilities 64,504 58,940 9.44% 63,175 2.10%
Capital 135 135 0.02% 135 0.00%
Reserves and Surplus 3,916 3,520 11.24% 3,707 5.63%
Deposits 57,889 52,324 10.64% 55,721 3.89%
Borrowings 1,395 1,660 -15.97% 2,315 -39.74%
Other Liabilities & Provisions 1,169 1,301 -10.14% 1,297 -9.88%
Assets 64,504 58,940 9.44% 63,175 2.10%
Cash & Balances with RBI 2,602 2,417 7.63% 2,476 5.06%
Balances with Banks 827 825 0.25% 623 32.68%
Investments 15,386 13,285 15.81% 14,619 5.25%
Advances 41,237 38,243 7.83% 41,086 0.37%
Fixed Assets 594 478 24.31% 487 22.01%
Other Assets 3,858 3,692 4.50% 3,884 -0.66%
Business (Advances + Deposits) 99,126 90,567 9.45% 96,806 2.40%
Current Accounts 2,187 2,034 7.51% 1,983 10.28%
Savings Accounts 11,267 9,622 17.09% 10,476 7.55%
CASA Ratio 23.24% 22.28% 96 bps 22.36% 88 bps
34
Profit & Loss Overview- Q1 FY17
Rs Crs Q1-FY 17 Q1-FY 16 Y-o-Y (%) Q4-FY16 Q-o-Q (%)
Net Interest Income 374 340 9.78% 374 -0.18%
Other Income 173 104 67.04% 139 24.72%
Total Income 547 444 23.17% 513 6.57%
Operating Expenses 288 263 9.23% 291 -1.19%
Operating Profit 259 181 43.45% 222 16.73%
Provisions (Ex-Tax) & Contingencies
114 80 44.61% 116 -1.84%
Profit Before Tax 145 101 43.39% 106 37.09%
Provision for Tax 50 36 39.40% 33 52.13%
Exceptional Items - - - - -
Profit After Tax 95 65 45.60% 73 30.27%
35
Key Metrics- Quarterly
Particulars FY15 FY16 FY17
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1
Net Interest Margin (NIM) 2.7% 2.9% 2.5% 2.7% 2.5% 2.8% 2.9% 2.6% 2.74%
CRAR Basel III 12.2% 12.1% 11.4% 12.1% 11.4% 11.9% 11.7% 11.8% 11.68%
RoAA (Annualized) 0.5% 0.6% 0.6% 0.1% 0.5% 0.6% 0.7% 0.5% 0.57%
Provision Coverage 62.5% 62.9% 60.4% 61.0% 56.1% 55.3% 50.3% 40.3% 42.55%
CASA 22.1% 22.1% 21.5% 20.6% 22.3% 22.8% 23.0% 22.4% 23.24%
Gross NPA 1.5% 1.6% 1.8% 1.7% 1.9% 2.2% 2.8% 3.8% 3.96%
Net NPA 0.9% 0.9% 1.0% 1.0% 1.2% 1.4% 1.8% 2.9% 2.89%
Book Value per Share (Rs.) 25.88 26.47 27.10 26.59 27.07 27.76 28.51 28.45 30.00
Earnings per Share (Rs.) (Annualized)
3.78 3.01 2.87 2.28 1.93 2.34 2.56 2.47 2.82
Branches
- Kerala 439 440 441 444 447 447 447 449 453
- South India (Ex-Kerala) 230 232 233 239 242 244 244 245 245
- Rest of India 132 133 136 139 139 140 140 140 140
Total Branches 801 805 810 822 828 831 831 834 838
ATMs
- Kerala 565 587 607 651 670 682 688 698 701
- South India (Ex-Kerala) 297 313 325 365 378 380 384 387 388
- Rest of India 156 163 176 184 196 198 200 202 202
Total ATMs 1,018 1,063 1,108 1,200 1,244 1,260 1,272 1,287 1,291
36
Next Generation Bank
37
Present across Customer Touch Points
Mobile Banking Mobile Banking
Point of SaleInternet Banking
ATMs
1,291 ATMs across India
Branches
838 Branches & 42 Extension Counters
Traditional & Alternate Channels
38
Technology Initiatives
SIB Mirror is a mobile-led platform with instant account access, balance retrieval, immediate fund transfers, all account intimations, and much more
SIB-er Net is a suite of comprehensive internet banking services positioning SIB as a technology-driven bank offering superior services to retail customers
Retail branches now interconnected with single-window service and providing real-time online, real-time transactions to customers
SIB offers Visa, MasterCard, and RuPay debit cards with online access to users for secure domestic and international transactions
Centralized Processing Center allows enhanced risk management and customer creation with complete KYC compliance and fraud prevention tools
39
Personal Banking: Technology Banking
Active Internet Users
135162
133 134 141
Jun-15 Sep-15 Dec-15 Mar-16 Jun-16
Mobile Transaction Volume
Internet Transaction Volume Internet Transaction Value
Mobile Transaction Value
611591
1,254
536
866
Mar-16Dec-15Sep-15Jun-15 Jun-16
2,5512,5152,385
1,887
2,356
Mar-16Dec-15Sep-15Jun-15 Jun-16
748670
507437
342
Sep-15Jun-15 Jun-16Mar-16Dec-15
170
124104
74
233
Mar-16Dec-15Sep-15Jun-15 Jun-16
(000)’s (000)’s
(000)’s
Rs Crs
Rs Crs
40
Personal Banking: Debit Cards
2.5 2.8 3.0
3.3 3.4
Jun-15 Sep-15 Dec-15 Mar-16 Jun-16
No of Active Debit Cards Debit Card Transaction Volumes
Debit Card Transaction Value
30.830.428.929.226.8
Mar-16Dec-15Sep-15Jun-15 Jun-16
5,7775,3755,1645,0474,806
Mar-16Dec-15Sep-15Jun-15 Jun-16
In Millions In Millions
Rs Crs
41
An Inflection Point
42
Moving Towards Vision 2020…
Provides advisory support to bank on the medium and long term strategy for significant growth in retail, agriculture and SME sectors
Appointed International
Finance Corporation
Facilitates loans to MSE and promotes the MSME credit portfolio of the Bank
Entered Memorandum
of Understanding with NSIC
Houses the Bank’s Marketing Dept, Retail Loan Hub and Transaction Banking Dept
Opened Centralized
Marketing & Processing
Centre
....to become Retail Banking Power House
43
About Us
44
Milestones
FIRST among the private sector banks in Kerala to
become a scheduled bank in 1946 under the RBI Act
FIRST bank in the private sector in India to open a
Currency Chest on behalf of the RBI in April 1992
FIRST private sector bank to open a NRI branch in
November 1992
FIRST bank in the private sector to start Industrial Finance
Branch in March 1993
FIRST among the private sector banks in Kerala to open an "Overseas Branch" to cater
exclusively to the export and import business in June 1993
FIRST bank in Kerala to develop an in-house, a fully integrated branch automation software in addition to
the in-house partial automation solution operational since 1992
The FIRST Kerala based bank to implement Core Banking System
45
Expansion over a Decade
Branch Network
140121
245263
449
56
FY16FY06
440
~2X
834
Kerala South Ex-Kerala Others (Rest of India)
ATM Network
698
202
387
66
1,287
144
40
~9x
FY16FY06
38
46
Performance over a Decade
1,510
310
CAGR : 17%
FY16FY06
Net Interest Income
96,806
15,949
FY06 FY16
CAGR : 20%
Business (Advances + Deposits)
333
51
FY06 FY16
CAGR : 21%
Profit After Tax
3.77
4.99
FY06
122bps
FY16
Gross NPA
Rs Crs Rs Crs
Rs Crs In %
47
Leadership Team
Mr. V. G Mathew , MD & CEO
Post Graduate in Physics and CAIIB with over 37 years of experience
Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014
Significant experience in Retail & Corporate Credit, Technology and Risk Management
Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB
The major assignments handled by Mr. Mathew in SBI are
Dy. General Manager (IT Networking Project)
Dy. General Manager and Branch Head, (Overseas Branch, Bangalore)
General Manager, (Corporate Accounts Group-Mumbai Branch)
Chief General Manager (Risk Management)
Chief General Manager (Corporate Accounts Group)
He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee,
Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie
Infrastructure Trustee (P) Limited
48
Leadership Team
Mr. Thomas Joseph K, EVP (Administration)
• Bachelors Degree in Engineering and Diploma in Management & CAIIB
• He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing, Corporate Financial Management, Human Resource and Inspection & Vigilance
• He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors
Mr. G Sivakumar, EVP (Credit)
• Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB
• He heads Credit and Legal Departments
• He has over 35 Years of Experience in Domestic and International Banking in India and Abroad
• Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was
responsible for Private Equity and Venture Capital Investments made by the Bank
• He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than
ten Alternative Investment Funds
Mr. K N Reghunathan, EVP (Treasury)
• Commerce Graduate & CAIIB
• He is responsible for Treasury Operations of the Bank along with International Banking Division
• Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International
Banking Division.
• He was the Bank’s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee
of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India
Advantage Fund I & II
49
Management Team
Mr. John Thomas, General Manager (Business Development Department)
• Bachelors Degree in Science, MBA and CAIIB
Mr. Murali N A., General Manager(Mumbai Regional Office)
• Masters Degree in Commerce and JAIIB
Mr. Raphael T.J., General Manager (Marketing & Information Technology)
• Bachelors Degree in Commerce, Masters in EXIM,
Diploma in Financial Management and CAIIB
Mr. Paul V.L., General Manager (Administration)
• Masters Degree in Arts and Post Graduate Diploma in
Personnel Management & JAIIB
• Bachelors Degree in Arts & Masters Degree in Business
Administration and CAIIB
Mr. Anto George T., General Manager (Delhi Regional Office)
• Bachelors Degree in Arts & Post Graduate Diploma in
Computer Application, Certification in RDBMS & Oracle
8i and JAIIB
Mr. Bobby James , General Manager (Inspection & Vigilance)
• Bachelors Degree in Commerce, C.A. (Inter) and JAIIB
Mr. Benoy Varghese, General Manager(Credit Department)
50
Management Team
Mr. C.P. Gireesh, Chief Financial Officer
• Bachelors Degree in Mathematics
• Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of
Banking & Finance
Mr. Jacob EA, Chief Compliance Officer
• Bachelors Degree in Science & CAIIB - I
Mr. Jimmy Mathew, Company Secretary
• Bachelors Degree in Commerce, Associate Member of
Institute of Company Secretary of India and Institute of
Cost & Management Accountants of India. Also a
Certified Associate of the Indian Institute of Banking &
Finance
51
Awards & Recognition
SIB wins prize in IDRBT Banking Application Contest
SIB wins Master Card Innovation Award
SIB wins ‘Social Banking Excellence Award instituted by ASSOCHAM”
52
Company Investor Relations Advisors
The South Indian Bank Ltd.CIN – L65191KL1929PLC001017Mr. C. P. Gireesh, [email protected]
www.southindianbank.com
Strategic Growth Advisors Pvt. Ltd.CIN - U74140MH2010PTC204285Ms. Payal Dave / Mr. Shogun [email protected] / [email protected]+91 98199 16314 / +91 77383 77756www.sgapl.net
For further information, please contact: