SOUTHBANK

What The South Indian Bank promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 20 tracked 6 delivered 6 missed 8 open
  • NIM Trajectory delivered said Q1 FY26 Promised: bottom in Q2, spreads widen in Q3 Q1 FY27: NIM continued to improve significantly to 3.23% in Q1 FY27, well past the initial recovery phase.
  • MSME Growth missed said Q1 FY26 Promised: close to about 15% to 18% Q1 FY27: FY26 target was missed. New commentary suggests a renewed focus on MSME growth in Q2 FY27.
  • Corporate Book as % of Total Advances at risk said Q2 FY26 Promised: bring the corporate book down to about third of our total book Q1 FY27: Management acknowledged that corporate credit grew this quarter, contrary to the long-term goal, justifying it as a temporary, opportunistic move in an uncertain environment. This puts the medium-term target at risk.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 20 tracked commitments for The South Indian Bank — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens