Tamilnad Mercantile Bank Limited Q1 FY26 earnings call summary

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

Tamilnad Mercantile Bank Q1 FY26 net profit up 6.13%, guides FY26 deposit growth 10-12% and advance growth 15%.

Key takeaways

1. Change CASA share improved 34 bps quarter-on-quarter to 26.78%, reversing decline.
2. Driver MSME growth expected to pick up from Q2 FY26 with LMS implementation and pipeline of ₹1,000 cr.
3. Risk NIM compressed to 3.84% due to term deposit repricing and rate cuts.

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)