Banking Details

General information about company
Scrip code	543596
NSE Symbol	TMB
MSEI Symbol	NA
ISIN	INE668A01016
Name of bank	TAMILNAD MERCANTILE BANK LIMITED
Class of security	Equity
Date of start of financial year	01-Apr-2025
Date of end of financial year	31-Mar-2026
Date of board meeting when results were approved	25-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange	08-Jul-2025
Description of presentation currency	INR (in Actuals)
Reporting Type	Quarterly
Reporting Quarter	First quarter
Nature of report standalone or consolidated	Standalone
Whether results are audited or unaudited	Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting	Multi segment
Description of single segment
Start date and time of board meeting	25-Jul-2025 15:00:00
End date and time of board meeting	25-Jul-2025 18:00:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification	Declaration of unmodified opinion
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter?	No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity?	No
Not applicable

Financial Results - Banking
Particulars		3 months/ 6 months ended (dd-mm-yyyy)	Year to date figures for current period ended (dd-mm-yyyy)
A	Date of start of reporting period	01-Apr-2025
B	Date of end of reporting period	30-Jun-2025
C	Whether results are audited or unaudited	Unaudited	Unaudited
D	Nature of report standalone or consolidated	Standalone	Standalone
1	Interest earned
	Interest or discount on advances or bills	11070500000	11070500000
	Income on investments	2615400000	2615400000
	Interest on balances with reserve bank of India and other inter bank funds	173800000	173800000
	Others	2700000	2700000
	Total interest earned	13862400000	13862400000
2	Other income	2312300000	2312300000
3	Total income	16174700000	16174700000
	Expenses
4	Interest expenses	8066900000	8066900000
5	Operating expenses
(i)	Employees cost	2228300000	2228300000
(ii)	Details of other operating expenses
	Description of other operating expenses
1	Rent, taxes and lighting	296300000	296300000
2	Printing and Stationery	37600000	37600000
3	Advertisement and publicity and Insurance	183400000	183400000
4	Depreciation on Bank's property	203800000	203800000
5	Director's fees, allowances and expenses	4300000	4300000
6	Auditor's fees and expenses(including branch auditors)	5000000	5000000
7	Law charges	2500000	2500000
8	Postages, Telegrams, Telephones, etc	79000000	79000000
9	Repairs and Maintenanace	42000000	42000000
10	Other expenditure	903000000	903000000
	Total other operating Expenses	1756900000	1756900000
	Total Operating Expenses	3985200000	3985200000
6	Total expenditure excluding provisions and contingencies	12052100000	12052100000
7	Operating profit before provision and contingencies	4122600000	4122600000
8	Provisions other than tax and contingencies	83400000	83400000
9	Exceptional items	0	0
10	Total profit (loss) from ordinary activities before tax	4039200000	4039200000
11	Provision for Tax	990300000	990300000
12	Net profit (loss) from ordinary activities after tax	3048900000	3048900000
13	Extraordinary items net of tax expenses	0	0
14	Net profit (loss) for the period	3048900000	3048900000
15	Share of profit (loss) of associates
16	Profit (loss) of minority interest
17	Net Profit (loss) after taxes minority interest and share of profit (loss) of associates	3048900000	3048900000

18	Details of equity share capital [Abstract]
	Paid-up equity share capital	1583500000	1583500000
	Face value of equity share capital	10	10
19	Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)

20	Analytical ratios
(i)	Percentage of share held by government of India	0	0
(ii)	Capital adequacy ratio
	CET 1 ratio	29.99	29.99
	Additional Tier 1 ratio	0	0
(iii) (a)	Earnings per share before extraordinary items
	Basic earnings per share before extraordinary items	19.25	19.25
	Diluted earnings per share before extraordinary items	19.25	19.25
(iii) (b)	Earnings per share after extraordinary items
	Basic earnings per share after extraordinary items	19.25	19.25
	Diluted earnings per share after extraordinary items	19.25	19.25
(iv)	NPA Ratios
	Amount of gross non-performing assets	5491200000	5491200000
	Amount of net non-performing assets	1473700000	1473700000
	% of gross NPAs	1.22	1.22
	% of net NPAs	0.33	0.33
	Return on assets	1.82	1.82
21	Disclosure of notes on financial results by banks	Textual Information(1)

Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars		3 months/ 6 months ended (dd-mm-yyyy)	Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period		01-Apr-2025
Date of end of reporting period		30-Jun-2025
Whether results are audited or unaudited		Unaudited	Unaudited
Nature of report standalone or consolidated		Standalone	Standalone
1	Segment Revenue (Income)
	(net sale/income from each segment should be disclosed)
1	Treasury	3545500000	3545500000
2	Corporate / Wholesale Banking	1466600000	1466600000
3	Retail Banking	11162600000	11162600000
4	Other Banking Operations	0	0
	Total Segment Revenue	16174700000	16174700000
	Less: Inter segment revenue
	Income from operations	16174700000	16174700000
2	Segment Result
	Profit (+) / Loss (-) before tax and interest from each segment
1	Treasury	1087300000	1087300000
2	Corporate / Wholesale Banking	342800000	342800000
3	Retail Banking	2609100000	2609100000
4	Other Banking Operations	0	0
	Total Profit before tax	4039200000	4039200000
	i. Finance cost	0
	ii. Other Unallocable Expenditure net off Unallocable income	0
	Profit before tax	4039200000	4039200000
3	(Segment Asset - Segment Liabilities)
	Segment Asset
1	Treasury	163960600000	163960600000
2	Corporate / Wholesale Banking	67482300000	67482300000
3	Retail Banking	424442500000	424442500000
4	Other Banking Operations	0	0
5	Treasury	163960600000	163960600000
6	Corporate / Wholesale Banking	67482300000	67482300000
7	Retail Banking	424442500000	424442500000
8	Other Banking Operations	0	0
	Total Segment Assets	655885400000	655885400000
	Un-allocable Assets	18893800000	18893800000
	Net Segment Assets	674779200000	674779200000
4	Segment Liabilities
	Segment Liabilities
1	Treasury	161493200000	161493200000
2	Corporate / Wholesale Banking	46135900000	46135900000
3	Retail Banking	351140500000	351140500000
4	Other Banking Operations	0	0
5	Treasury	161493200000	161493200000
6	Corporate / Wholesale Banking	46135900000	46135900000
7	Retail Banking	351140500000	351140500000
8	Other Banking Operations	0	0
	Total Segment Liabilities	558769600000	558769600000
	Un-allocable Liabilities	22726900000	22726900000
	Net Segment Liabilities	581496500000	581496500000
	Disclosure of notes on segments	For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations in compliance with the RBI guidelines. As per RBI Circular DOR.AUT.REC.12/22.01.001/2022-23 dated April 07, 2022 on establishment of Digital Banking Unit (DBU), for the purpose of disclosure under 'Accounting Standard 17 - Segment Reporting', ‘Digital Banking’ has been identified as a sub-segment under Retail Banking by Reserve Bank of India (RBI). However, as the proposed DBU of the Bank has not yet commenced operations, nothing has been reported under this segment. The business operations of the Bank are substantially concentrated in India and for the purpose of Segment Reporting as per Accounting Standard-17, the bank is considered to operate only in domestic segment. Previous period figures have been regrouped/reclassified wherever necessary to make them comparable.

Sr No.	Audit firm's name	Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI	Certificate valid upto
1	Chandran and Raman	Yes	30-Apr-2027
2	Sundaram and Srinivasan	Yes	30-Sep-2027

INTEGRATED FILING — BANKING

General information about company

Financial Results - Banking

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Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Details of Impact of Audit Qualification

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Textual Information(1)	EPS not annualised. Debt represents the borrowings with residual maturity of more than one year.