Tamilnad Mercantile Bank Limited investor presentation summary

Investor presentation of 30 Oct 2026, summarised by AI from the filing.

TMB clarifies its ₹304.24 cr ECL provision against a ₹385 cr estimate is proactive, not a regulatory shortfall, ahead of the April 1, 2027 framework start.

Key takeaways

1. ECL provision The bank provided ₹304.24 cr against an estimated ECL requirement of ₹385 cr on advances as on September 30, 2026.
2. Not a shortfall The bank clarifies the ₹304.24 cr is proactive provisioning, not a regulatory shortfall.
3. Early recognition TMB has voluntarily recognised nearly 80% of the estimated requirement well ahead of the regulatory timeline.
4. Framework start The ECL framework becomes applicable only from April 1, 2027, with impact through retained earnings or phased over five years from FY28.
5. Remaining gap The balance of the estimated ECL requirement is not quantified in this clarification.

Original filing on BSE

Tamilnad Mercantile Bank Limited Q2 FY27 results

As filed: Revenue ₹1,820 cr, EBITDA ₹376 cr, PAT ₹451 cr, EBITDA margin 20.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q1 FY27: Revenue ₹1,662 cr, EBITDA ₹319 cr, PAT ₹412 cr, EBITDA margin 19.2%. Not scored. Bank result format: not scored yet. Share price after the results: +11.6% in 30 days (Nifty 500: +2.8%).
• 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.

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

• Q2 FY27: Earnings call (26 Oct 2026), Results deck (26 Oct 2026), Results press release (26 Oct 2026)
• 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: Investor presentation (30 Oct 2026), Strategy deck (8 May 2026), Strategy deck (8 May 2026)