Tamilnad Mercantile Bank Limited Q2 FY26 earnings call summary

Earnings call of 28 Oct 2025, summarised by AI from the filing.

TMB Q2 FY26 profit ₹318 cr, up 4.14% QoQ; guides FY26 credit growth 14-15% and deposit growth 12-13%.

Key takeaways

1. Profit ₹318 cr, up 4.14% QoQ and 4.73% YoY.
2. Change CASA share up 92 bps in two quarters, deposit growth accelerating.
3. Driver Digital initiatives and branch expansion driving growth momentum.
4. Risk Deposit repricing and rate cuts may pressure NIM.

Original filing on BSE

Tamilnad Mercantile Bank Limited Q1 FY27 results

As filed: Revenue ₹1,662 cr, EBITDA ₹319 cr, PAT ₹412 cr, EBITDA margin 19.2%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹1,550 cr, EBITDA ₹262 cr, PAT ₹374 cr, EBITDA margin 16.9%. Not scored. Bank result format: not scored yet. Share price after the results: +6.1% in 30 days (Nifty 500: +1.8%).
• Q3 FY26: Revenue ₹1,469 cr, EBITDA ₹271 cr, PAT ₹342 cr, EBITDA margin 18.4%. Not scored. Bank result format: not scored yet. Share price after the results: +5.6% in 30 days (Nifty 500: −4.1%).
• Q2 FY26: Revenue ₹1,413 cr, EBITDA ₹224 cr, PAT ₹318 cr, EBITDA margin 15.9%. Not scored. Bank result format: not scored yet. Share price after the results: +11.8% in 30 days (Nifty 500: +0.5%).
• Q1 FY26: Revenue ₹1,386 cr, EBITDA ₹173 cr, PAT ₹305 cr, EBITDA margin 12.5%. Not scored. Bank result format: not scored yet. Share price after the results: −6.2% in 28 days (Nifty 500: −0.1%).
• Q4 FY25: Revenue ₹1,342 cr, EBITDA ₹187 cr, PAT ₹292 cr, EBITDA margin 13.9%. Not scored. Bank result format: not scored yet. Share price after the results: +7.0% in 28 days (Nifty 500: +4.4%).
• Q3 FY25: Revenue ₹1,331 cr, EBITDA ₹215 cr, PAT ₹300 cr, EBITDA margin 16.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹1,337 cr, EBITDA ₹173 cr, PAT ₹303 cr, EBITDA margin 12.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Tamilnad Mercantile Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (27 Jul 2026), Results deck (27 Jul 2026), Results press release (27 Jul 2026)
• Q4 FY26: Earnings call (27 Apr 2026), Results deck (27 Apr 2026), Results press release (27 Apr 2026)
• Q3 FY26: Earnings call (4 Feb 2026), Results deck (4 Feb 2026), Results press release (4 Feb 2026)
• Q2 FY26: Earnings call (28 Oct 2025), Results deck (27 Oct 2025), Results press release (27 Oct 2025)
• Q1 FY26: Earnings call (28 Jul 2025), Results deck (25 Jul 2025), Results press release (25 Jul 2025)
• Q4 FY25: Earnings call (24 Apr 2025), Results deck (23 Apr 2025), Results press release (23 Apr 2025)
• Other events: Strategy deck (8 May 2026), Strategy deck (8 May 2026)