Tamilnad Mercantile Bank Limited — PPTs, 08-05-2026: Investor Presentation

**Business Performance:** Tamilnad Mercantile Bank reported strong FY26 results, with Advances growing 20.32% YoY to ₹53,379 Cr and Deposits up 14.94% YoY to ₹61,712 Cr. Net Profit (PAT) jumped 13.10% YoY to ₹1,338 Cr, including a record Q4FY26 PAT of ₹374 Cr. Asset quality remains stellar with GNPA at 0.73% and NNPA at 0.18%.

**Growth Drivers or Strategy:** New leadership from ex-SBI is driving a strategic transformation focusing on efficiency, HR, and tech. Key growth drivers include aggressive branch expansion (44 new in FY26, 60 planned for FY27), boosting the Gold Loan portfolio, and redesigning MSME architecture. Digital initiatives are also a priority.

**Recent Developments:** Q4FY26 saw the bank's highest-ever quarterly PAT. Key leadership positions, including MD & CEO, ED, and CFO, have been filled, steering new strategic and digital transformation phases.

**Key Financial Metrics:** For FY26, the bank maintained a robust NIM of 3.98%, ROA of 1.93%, and ROE of 13.99%. The Provision Coverage Ratio (PCR) strengthened to 96.14%.

**Management Commentary / Outlook:** Management expresses confidence in continued growth through CASA rebuilding, MSME acceleration, and geographic expansion. They anticipate a significant rerating, projecting 18-36% share price appreciation, driven by superior asset metrics and tech-led scalable growth.