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Tamilnad Mercantile Bank Q1 FY26 Profit Rose to ₹37.4B

April 27, 2026 4 mins read Firehose Gupta

Tamilnad Mercantile Bank Limited — Quarter and year ended March 31, 2026

Particulars Quarter ended 31.03.2026 (Audited) Quarter ended 31.12.2025 (Unaudited) Quarter ended 31.03.2025 (Audited) Year ended 31.03.2026 (Audited) Year ended 31.03.2025 (Audited)
1. Interest earned (a)+(b)+(c)+(d) 155,038 146,941 134,168 581,942 529,126
(a) Interest/discount on advances/bills 128,415 119,700 108,697 471,471 424,618
(b) Income on investments 25,453 26,182 24,709 104,917 101,742
(c) Interest on balances with Reserve Bank of India and other inter bank funds 1,152 1,039 732 5,463 2,593
(d) Others 18 20 30 91 173
2. Other income 24,176 19,601 20,038 87,707 85,049
3. TOTAL INCOME (1+2) 179,214 166,542 154,206 669,649 614,175
4. Interest expended 84,593 82,327 77,377 329,215 299,034
5. Operating expenses (i)+(ii) 42,390 37,392 36,429 154,911 140,567
(i) Employees cost 22,068 17,514 17,779 79,449 72,634
(ii) Other operating expenses 20,322 19,878 18,650 75,462 67,933
6. TOTAL EXPENDITURE (4+5) excluding provisions and contingencies 126,983 119,719 113,806 484,126 439,601
7. OPERATING PROFIT (3-6) (Profit before provisions and contingencies) 52,231 46,823 40,400 185,523 174,574
8. Provisions (other than tax) and contingencies 1,879 149 1,722 4,863 17,085
9. Exceptional items – – – – –
10. Profit from Ordinary Activities before tax (7-8-9) 50,352 46,674 38,678 180,660 157,489
11. Tax expense 12,987 12,524 9,488 46,905 39,228
12. Net Profit from Ordinary Activities after tax (10-11) 37,365 34,150 29,190 133,755 118,261
13. Extraordinary items (net of tax expense) – – – – –
14. Net Profit for the period (12-13) 37,365 34,150 29,190 133,755 118,261
15. Paid-up Equity Share Capital (Face value 10/- per Equity Share) 15,835 15,835 15,835 15,835 15,835
16. Reserves excluding Revaluation Reserve 995,181 – – 995,181 885,034
Item Col 1 Col 2 Col 3 Col 4 Col 5
(i) Percentage of shares held by Government of India – – – – –
(ii) Capital Adequacy ratio (%)
Under Basel III 33.73 30.08 32.71 33.73 32.71
(a) Common Equity Tier (CET) 1 ratio 32.27 28.53 31.24 32.27 31.24
(b) Additional Tier 1 ratio – – – – –
(iii) Earnings per Share (EPS)
(a) Basic EPS (before and after extraordinary items)* 23.60 21.57 18.44 84.47 74.68
(b) Diluted EPS (before and after extraordinary items)* 23.60 21.57 18.44 84.47 74.68
(iv) NPA Ratios
a) Gross NPA 38,821 46,283 55,613 38,821 55,613
b) Net NPA 9,741 10,008 16,045 9,741 16,045
c) % of Gross NPA 0.73 0.91 1.25 0.73 1.25
d) % of Net NPA 0.18 0.20 0.36 0.18 0.36
(v) Return on Assets (%) 2.05 1.97 1.81 1.93 1.88
(vi) Net Worth 1,011,016 977,383 900,869 1,011,016 900,869
(vii) Outstanding Redeemable Preference Shares Nil Nil Nil Nil Nil
(viii) Capital Redemption Reserve Nil Nil Nil Nil Nil
(ix) Debenture Redemption Reserve Nil Nil Nil Nil Nil
(x) Debt – Equity Ratio ** 0.02 Nil Nil 0.02 Nil
(xi) Total Debts to Total Assets 0.01 Nil Nil 0.01 Nil
(xii) Operating Margin 29.14% 28.11% 26.20% 27.70% 28.42%
(xiii) Net Profit Margin 20.85% 20.51% 18.93% 19.97% 19.26%
Particulars As at 31.03.2026 (Audited) As at 31.03.2025 (Audited)
CAPITAL AND LIABILITIES
Capital 15,835 15,835
Reserves and Surplus 995,181 885,034
Deposits 6,171,235 5,368,896
Borrowings 70,000 50,000
Other Liabilities and Provisions 277,709 325,222
Total 7,529,960 6,644,987
ASSETS
Cash and Balances with Reserve Bank of India 252,061 265,038
Balance with Banks and Money at Call and Short Notice 169,433 175,787
Investments 1,569,268 1,510,080
Advances 5,312,266 4,398,367
Fixed Assets 31,056 28,448
Other Assets 195,876 267,267
Total 7,529,960 6,644,987
Particulars Quarter Ended 31.03.2026 (Audited) Quarter Ended 31.12.2025 (Unaudited) Quarter Ended 31.03.2025 (Audited) Year Ended 31.03.2026 (Audited) Year Ended 31.03.2025 (Audited)
Segment Revenue:
Treasury 28,435 30,394 29,136 128,075 125,621
Corporate/Wholesale Banking 15,799 14,467 13,422 58,176 57,978
Retail Banking 134,980 121,681 111,648 483,398 430,576
Other Banking operations – – – – –
Unallocated – – – – –
Total Revenue 179,214 166,542 154,206 669,649 614,175
Less: Inter Segment Revenue – – – – –
Income from Operations 179,214 166,542 154,206 669,649 614,175
Segment Results (net of provisions):
Treasury 5,222 7,824 3,074 30,022 25,654
Corporate/Wholesale Banking 4,741 4,135 3,849 16,182 15,645
Retail Banking 40,389 34,715 31,755 134,456 116,190
Other Banking operations – – – – –
Unallocated – – – – –
Profit before tax 50,352 46,674 38,678 180,660 157,489
Tax Expenses 12,987 12,524 9,488 46,905 39,228
Net Profit after Tax 37,365 34,150 29,190 133,755 118,261
Segment Assets:
Treasury 1,711,984 1,511,157 1,654,010 1,711,984 1,654,010
Corporate/Wholesale Banking 762,010 729,487 675,905 762,010 675,905
Retail Banking 4,940,731 4,725,247 4,132,504 4,940,731 4,132,504
Other Banking operations – – – – –
Unallocated 115,235 102,897 182,568 115,235 182,568
Total 7,529,960 7,068,788 6,644,987 7,529,960 6,644,987
Segment Liabilities:
Treasury 1,860,388 1,769,302 1,714,477 1,860,388 1,714,477
Corporate/Wholesale Banking 484,237 453,191 452,455 484,237 452,455
Retail Banking 4,023,636 3,726,095 3,360,201 4,023,636 3,360,201
Other Banking operations – – – – –
Unallocated 150,683 142,817 216,985 150,683 216,985
Total 6,518,944 6,091,405 5,744,118 6,518,944 5,744,118
Capital Employed: (Segment Assets – Segment Liabilities) Col 1 Col 2 Col 3 Col 4 Col 5
Treasury (148,404) (258,145) (60,467) (148,404) (60,467)
Corporate/Wholesale Banking 277,773 276,296 223,450 277,773 223,450
Retail Banking 917,095 999,152 772,303 917,095 772,303
Other Banking operations – – – – –
Unallocated (35,448) (39,920) (34,417) (35,448) (34,417)
Total 1,011,016 977,383 900,869 1,011,016 900,869
Particulars Year ended 31.03.2026 Year ended 31.03.2025
Cash Flow from Operating Activities
Net Profit after Taxes 133,755 118,261
(Profit)/Loss on sale of assets (41) (53)
Depreciation on Fixed assets 9,258 8,623
Provisions & Contingencies (Incl. Tax adjustments) 51,768 56,313
Total – I 194,740 183,144
Adjustments for working capital changes :
Increase / (Decrease) in Liabilities
Deposits 802,339 417,389
Other liabilities & Provisions (105,471) (12,595)
(Increase) / Decrease in Assets
Advances (913,899) (424,992)
Investments (59,188) 22,504
Other assets 115,991 41,633
Total – II (160,228) 43,939
Direct taxes paid – III 44,600 37,200
Net Cash Flow from / ( Used in ) Operating Activities [ I + II – III ] (10,088) 189,883
Cash Flow from Investing Activities
Sale/disposal of fixed assets 1,011 606
Purchase of fixed assets (12,835) (10,527)
Net Cash Flow from / ( Used in ) Investing Activities (11,824) (9,921)
Cash Flow from Financing Activities
Interim / Final Dividend (17,419) (15,835)
Borrowings 20,000 (80,115)
Issue of Shares incl. premium – –
Net Cash Flow from / ( Used in ) Financing Activities 2,581 (95,950)
Net Increase / ( Decrease ) in Cash and Cash Equivalents (19,331) 84,012
Cash & Cash equivalents at the beginning of the year 440,824 356,812
Cash & Cash equivalents at the end of the year 421,493 440,824
Particulars 2025-26 Purchase 2025-26 Sale 2024-25 Purchase 2024-25 Sale
PSLC – Agriculture Nil 906,000 Nil 280,000
PSLC – Small & Marginal Farmer Nil 290,000 Nil 961,500
PSLC – Micro Enterprises Nil 0.00 Nil 22,500
PSLC – General Nil 0.00

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