Tamilnad Mercantile Bank Limited · NSE:TMB
Tamilnad Mercantile Bank — Q1 FY2026 Earnings Presentation
31 slides from Tamilnad Mercantile Bank's earnings presentation, Jun 30, 2025
Slide 1: Slide 1
Slide 2: Disclaimer
Disclaimer This presentation has been prepared by Tamilnad Mercantile Bank Ltd., (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank, and the information contained herein is only current as of its date and has not been verified b
Slide 3: Table of contents
Table of contents Performance Highlights Business/Financial Performance P&L and Balance Sheet Asset Quality Key Ratios/ Parameters Phygital Expansion www.tmb.in 3
Slide 4: Performance Highlights
Slide 5: Performance Highlights
Performance Highlights (₹ in Crores) Particulars Q1FY25 Q1FY26 YoY ❖ Deposit growth positively responding to several Total Business 90,041 98,923 9.86% initiatives, more than doubled from 4.64% to Deposits 49,188 53,803 9.38% 9.38% YoY. CASA 13,789 14,411 4.51% ❖ CASA back on growth track, inching u
Slide 6: Business/Financial Performance
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Slide 7: Deposits Portfolio
Deposits Portfolio (₹ in Crores) Y-o-Y Growth % Business Parameters Q1FY25 Q1FY26 (Q1FY26 over Q1FY25) ❖ Establishment of Transaction Business Group helped turn the tide on CASA. Tab based online CASA 13,789 14,411 4.51% Current account opening launched on 08.07.25 to accelerate growth. Retail Term
Slide 8: Stable & Improving Deposit Franchise
Stable & Improving Deposit Franchise (₹ in Crores) (₹ in Crores) CASA CASA YoY Growth (%) CASA Share Q1FY26: 26.78% 14411 5.32% 5.26% 4.51% Q4FY25: 26.44% 14193 -0.56% 13873 13789 13788 -3.29% (₹ in Crores) Total Deposits Deposits YoY Growth (%) 9.38% 53689 53803 8.43% 7.68% 50393 49188 49342 4.64%
Slide 9: Advances Portfolio
Advances Portfolio (₹ in Crores) Y-o-Y Growth % Particulars Q1FY25 Q1FY26 (Q1FY26 over ❖ Advances grew by 10.44% aided by robust Q1FY25) growth in Retail and Agriculture sectors. Gross Advances 40,853 45,120 10.44% ❖ MSME growth impacted by redrawing the Of which architecture & centralized processin
Slide 10: Consistent Loan Book Expansion
Consistent Loan Book Expansion (₹ in Crores) RAM Sector Mix (%) 42100 41297 40329 8% 8% 8% 7% 7% 39277 32% 30% 30% 33% 32% 37614 38% 40% 41% 42% 40% 20% 20% 20% 21% 24% RETAIL AGRI MSME OTHERS (₹ in Crores) Gross Advances Advances YoY Growth (%) 45120 13.71% 44366 43650 12.59% 42533 11.00% 40853 10.
Slide 11: Unsecured Exposure - negligible
Unsecured Exposure - negligible (₹ in Crores) (₹ in Crores) (₹ in Crores) Amount of Unsecured Exposure Amount of NPA in Unsecured Exposure 142.62 139.71 138.71 2.29 131.17 1.48 1.32 125.13 0.54 0.30 % of Unsecured Exposure to total advances % of NPA in Unsecured advances 1.61% 0.35% 1.13% 0.33% 0.94
Slide 12: P&L and Balance Sheet
Slide 13: Financial Performance
Financial Performance (₹ in Crores) Q-o-Q Y-o-Y FY2025 Q1FY25 Q4FY25 Q1FY26 Growth Growth ❖ Uninterrupted profits Financial Parameters (12M) (3M) (3M) (3M) (Q1FY26 (Q1FY26 delivered since inception in over over Q4FY25) Q1FY25) 1921. Interest Income 5291.27 1281.15 1341.69 1386.24 3.32% 8.20% ❖ Profi
Slide 14: Stable Profitability
Stable Profitability (₹ in Crores) (₹ in Crores) Non-Interest Income Net-Interest Income 234 227 231 596 580 189 200 567 570 568 (₹ in Crores) (₹ in Crores) Operating Profit Net Profit 469 305 465 303 300 292 408 412 404 287 www.tmb.in 14
Slide 15: Shareholders Value-Enhanced
Shareholders Value-Enhanced (in ₹) (in ₹) (₹ in Crores) Earnings Per Share Book Value Per Share Net Worth 589.09 9328 19.15 19.25 18.96 568.90 550.38 18.44 532.37 9009 18.14 520.63 8715 8430 ROA (%) ROE (%) 14.83% 8244 14.44% 1.94% 14.22% 1.89% 1.88% 13.79% 13.30% 1.82% 1.81% www.tmb.in 15
Slide 16: Balance Sheet
Balance Sheet (₹ in Crores) Liabilities (₹ in Crores) As on As on As on Particulars 30.06.2024 31.03.2025 30.06.2025 Capital 158.35 158.35 158.35 Reserves and Surplus 8085.96 8850.34 9169.92 Deposits 49188.01 53688.96 53803.20 Borrowings 1997.43 500.00 535.38 Other Liabilities and Provisions 3241.04
Slide 17: Tamilnad Mercantile Bank Ltd
Tamilnad Mercantile Bank Ltd
Slide 18: Movement of NPA
Movement of NPA (₹ in crores) Particulars Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Opening Balance of Gross NPA 575.06 587.66 584.45 576.38 556.13 i)Cash Recovery 36.55 43.31 56.05 39.16 26.43 ii)Upgradation 6.29 21.43 5.87 9.95 2.62 iii)Write Off 0.00 1.50 0.00 25.59 0.00 Total Reduction* (i+ii+iii) 42.8
Slide 19: NPA
NPA (₹ in crores) (₹ in crores) GNPA NNPA 587.66 584.45 261.56 576.38 194.77 556.13 177.59 549.12 160.45 147.37 GNPA (%) NNPA (%) www.tmb.in 19
Slide 20: Slippage Ratio & Sector-wise Slippage
Slippage Ratio & Sector-wise Slippage Fresh Slippage Slippage Ratio (%) 0.16% 0.14% 0.13% 0.13% 63 55 54 54 ▼60% YoY 22 0.05% Slippage in Retail Slippage in Agri Slippage in MSME Slippage in Others 9 13 42 7 7 35 20 6 32 29 (₹ in crores) 3 5 15 10 6 2 2 3 1 1 www.tmb.in 20
Slide 21: Special Mentioned Accounts
Special Mentioned Accounts (₹ in Crores) (₹ in Crores) (₹ in Crores) (₹ in Crores) SMA 0 SMA 1 SMA 2 TOTAL SMA 949 512 537 573 567 490 2034 714 514 462 1771 449 1645 594 537 379 326 1378 1130 355 SMA 0% on Gross Advances SMA 1% on Gross Advances SMA 2% on Gross Advances SMA Total on Gross Advances 1
Slide 22: Stressed Assets
Stressed Assets 2.60% 2.55% 2.50% 2.42% 2.40% 2.30% 2.16% 2.20% (in %) 2.10% 2.01% 2.00% 1.88% 1.90% 1.80% (₹ in crores) Particulars Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Standard Restructure advances 454.95 443.22 367.43 333.80 297.11 Gross NPA 587.66 584.45 576.38 556.13 549.12 Total Stressed Assets
Slide 23: Collateral Coverage Details as on 30.06.2025
Collateral Coverage Details as on 30.06.2025 (₹ in Crores) Collateral Parameter Advances GNPA GNPA% Provision Coverage ❖ The average collateral cover of NPA Retail 10,660.54 30.25 0.28% 11.84 125.83% is 108%. Agriculture 17,986.93 50.20 0.28% 30.42 104.00% ❖ On resolution of NPA, portfolio loss is e
Slide 24: Key Ratios / Parameters
Slide 25: Key Ratios / Parameters
10.22% 5.76% 10.47% 5.90% 10.17% 5.97% 10.03% 6.01% Cost of Deposits (%) Yield on Advances (%) Key Ratios / Parameters 10.02% 6.01% 9.32% 5.79% 9.53% 5.92% 9.34% 5.99% 6.02% Cost of Funds (%) Yield on Funds (%) 9.24% www.tmb.in 9.17% 6.02% 4.12% 0.89% 4.25% 0.55% 4.00% 0.08% NIM (%) Credit Cost (%)
Slide 26: Key Ratios / Parameters
Key Ratios / Parameters Capital Adequacy (%) Cost to Income Ratio (%) 49.15% CET-1 CRAR 47.42% 32.71% 46.31% 31.55% 43.51% 31.24% 29.59% 29.35% 29.21% 29.99% 41.42% 28.12% 27.88% 27.74% PCR% With technical write-off PCR% Without technical write-off 73.04% 71.02% 94.32% 93.86% 69.07% 93.21% 66.40% 92
Slide 27: Phygital Expansion
Phygital Expansion
Slide 28: Channel-wise Digital transaction trends
Channel-wise Digital transaction trends Shift in customer behaviour TMB M-Bank usage trend Digital Vs Branch Volume vs Transaction count 54 11,500 55 Transactions count 10,960 53 DIGITAL 11,000 51 18.00 96.80% 10,615 17.12 Volume (₹in crore) 49 BRANCH 10,500 16.01 96.62% Trnx count (in lakhs) 10,071
Slide 29: Digital transformation taking roots
i Digital transformation taking roots... i Oracle CX, VMS & BPM Modules implemented Expected to drive operational excellence and enhance customer engagement ==. Integrated Sales and Service modules for seamless customer lifecycle management. Unified platform for bank-wide expense management (excludi
Slide 30: During Q1FY26, 7 new branches were opened
During the Q1FY26, 7 new branches were opened.
Slide 31: Investor Relations Contacts
Investor Relations Contacts Mr. Swapnil Yelgaonkar, Mr. Sanjoy Kumar Goel, Chief Financial Officer, Company Company Secretary & CFO Contact Compliance Officer, Mobile: 63852 28111 Secretary Mobile: 96595 23378 Email : cfo@tmbank.in Email : cs@tmbank.in Adfactors Pvt Ltd. Adfactors Mr. T.E. Narasimha
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