| Revenue growth | Total business grew 17.37% YoY reaching ₹1,15,091 crore. |
|---|---|
| Margins | NIM improved to 4.18% for Q4 vs 3.98% FY average. |
| Demand visibility | Strong credit demand in MSME and retail segments for FY27. |
| Management confidence | Extremely confident, emphasizing a 'year of reckoning' and transformation success. |
Growth
Strong 17.37% business growth vs 15% guidance; CASA grew 22.35% beating 15% target.
Outlook
Guidance for FY27: 16% deposit growth and defending 20% advances growth.
Risks
High concentration in gold loans (46% of advances) makes margins vulnerable to gold price volatility.
Earnings Call filed with NSE, NSE: TMB. Summary written with AI assistance from the document.
Tamilnad Mercantile Bank Ltd: key numbers
- Share price
- ₹881.90
- Market cap
- ₹13,965 Cr
- Revenue (annual)
- ₹5,819 Cr
- Net profit (annual)
- ₹1,338 Cr
- P/E (TTM)
- 9.7×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 6.73%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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