South Indian Bank Ltd (SOUTHBANK) Q2FY27 Concall Transcript - Sep-2026 Qtr
Moderator: Your pass code has been confirmed. Please wait while you're joined to the conference. The conference is now being recorded.
Moderator: Ladies and gentlemen, good day and welcome to South Indian Bank Q2 FY '27 Earnings Conference Call. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing "*" then "0" on your touch-tone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Aman Singh from ICICI Securities. Thank you, and over to you, Mr. Singh.
Aman Singh (ICICI Securities): Thank you, Renju. Good afternoon everyone, and thank you for joining the call. On behalf of ICICI Securities, we welcome you all to Q2 FY '27 post earnings conference call of South Indian Bank. From management side, we have with us, Mr. P. R. Seshadri, Managing Director and CEO, Mr. Dolphy Jose, Executive Director, Mr. Anto George, EVP and Chief Operating Officer, Mr. Vinod Francis, SGM and Chief Financial Officer, and Mr. Jimmy Mathew, SGM and Company Secretary, along with other senior executives of the bank. I will now hand over the conference to management for their opening remarks, post which we can start with the Q&A session. Thank you, and over to you, sir.
Aman Singh (ICICI Securities): Yes, you are. Please go ahead.
Moderator: Thank you. We will now begin the question and answer session. Anyone who wishes to ask a question may press star and one on the touch tone telephone. If you wish to remove yourself from the question queue, you may press star and two. Participants are requested to use handsets while asking a question. Ladies and gentlemen, we will wait for a moment while the question queue assembles. The first question comes from the line of Akshat Agarwal with Nirmal Bang Institutional Equities. Please go ahead.
Akshat Agarwal (Nirmal Bang Institutional Equities): Good evening, sir. Congrats on a strong set of numbers and many congrats on your new role, wishing you and the bank continuous success and greater heights under your new leadership. I have some questions, so firstly credit cost increased to 68 bps on a calculated basis and this looks mainly due to the strengthening of the provisional coverage coverage ratio to 92% from 81% prior quarter. So what was the rationale for further increasing coverage from already very strong PCR? And if you could also help us with the the non-specific provisions, including general provisions, floating provisions, or contingent provisions, aside from the specific PCR?
Akshat Agarwal (Nirmal Bang Institutional Equities): Right, sir. So, but aside from the PCR do we have like the what's the like the provisioning which would include contingent, floating or standard provisions, I mean, what would be, what would be that amount on a percentage basis or on a standard?
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