Ratnakar Securities

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Profit & Loss

THE SOUTH INDIAN BANK LTD.

NSE : SOUTHBANKBSE : 532218ISIN CODE : INE683A01023Industry : Bank - PrivateHouse : South Indian Bank
BSE29.25-0.19 (-0.65 %)
PREV CLOSE ( ) 29.44
OPEN PRICE ( ) 28.32
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 595691
TODAY'S LOW / HIGH ( )28.32 29.40
52 WK LOW / HIGH ( )22.12 32.27
Select year
(Rs.in Million)
Particulars
Mar 2025
Mar 2024
Mar 2023
Mar 2022
I. INCOME
  
  
  
  
Interest Earned
94133.10
86128.09
72331.79
65865.38
     Interest / Discount on advances / Bills
75290.77
68910.39
57121.51
50693.41
     Interest on balances with RBI and other Inter-bank funds
1672.33
876.43
1321.00
3337.31
     Income on investments
15920.55
15516.14
12857.27
10398.05
     Others
1249.46
825.14
1032.02
1436.60
Other Income
18129.79
15145.22
8113.70
10338.97
     Commission,exchange and brokerage
318.36
388.42
445.70
471.84
     Profit / (loss)on sale of investments(net)
2218.75
3176.08
-3645.04
661.65
     Profit on sale of Fixed Assets
-23.41
-1.00
-1.22
1.48
     Foreign Exchange Gains
502.49
341.43
560.51
601.23
     Income earned from subsidiaries/joint venture
     Rent / Lease Income
     Provisions Written Back
3274.70
981.90
2472.00
1047.50
     Miscellaneous income
11838.91
10258.38
8281.75
7555.28
Total Income
112262.89
101273.31
80445.49
76204.35
II. EXPENDITURE
Interest Expended
59276.68
52807.53
42210.96
43467.80
     Intereston Deposits
56850.49
49138.89
38533.24
40623.71
     Interest on RBI / inter-bank borrowings
34.70
81.58
16.60
40.39
     Other Interest
2391.48
3587.07
3661.13
2803.70
Operating Expenses
30283.61
29787.60
23158.32
20263.18
     Payments to and provisions for employees
16711.61
17052.52
13080.30
11982.95
     Rent,Taxes and lighting
1682.43
1536.48
1388.23
1287.97
     Depreciation on Banks property
1017.81
903.52
874.89
840.21
     Depreciation on leased assets
     Auditor's fees and expenses
32.43
32.05
28.06
21.28
     Law charges
262.98
248.74
222.21
145.29
     Communication Expenses
801.71
782.02
572.82
505.24
     Repairs and Maintenance
915.38
831.11
647.39
507.89
     Insurance
1400.68
1258.74
1211.00
1159.45
     Other expenses
7458.59
7142.43
5133.42
3812.91
Provisions and Contingencies
5131.96
3389.52
2608.63
13395.59
     Provision for investments
-18.10
-26.70
-1375.40
-79.10
     Provision for advances
5657.00
3846.10
5644.10
12.20
     Others Provisions
-506.94
-429.88
-1660.07
13462.49
Profit Before Tax
17570.64
15288.66
12467.58
-922.22
Taxes
4539.70
4586.70
4714.50
-1370.30
     Current Income Tax
4258.10
3731.90
2584.00
-59.50
     Deferred Tax
281.60
854.80
2130.50
-1310.80
     Other taxes
0.00
0.00
0.00
0.00
Profit After Tax
13030.94
10701.96
7753.08
448.08
Extra items
0.00
0.00
0.00
0.00
Minority Interest
Share of Associate
Other Consolidated Items
Consolidated Net Profit
13030.94
10701.96
7753.08
448.08
Adjustments to PAT
IV. APPROPRIATIONS
19013.35
12947.29
7372.66
494.36
     Transfer to Statutory Reserve
3257.30
2675.30
1937.80
112.50
     Appropriation to General Reserve
     Appropriation to Revenue Reserve
4000.00
3000.00
1300.00
     Appropriation to Other Reserves
     Equity Dividend
     Corporate dividend tax
     Other appropriations
11756.05
7271.99
4134.86
381.86
Equity Dividend %
40.00
30.00
30.00
Earnings Per Share
4.98
4.09
3.70
0.21
Adjusted EPS
4.98
4.09
3.40
0.20
FAQs
079-49005200 / 01 / 02
info@ratnakarsecurities.com
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.......... Issued in the interest of Investors

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Ratnakar Securities Pvt. Ltd. : SEBI Registration No. of NSE, BSE : INZ000191735 | SEBI Registration No. of NSDL : IN-DP-NSDL-66-88
Ratnakar Commodities Pvt. Ltd : SEBI Registration No. of MCX : INZ000024138
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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.
Source: SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.