Investor Presentation

Secretarial Section Head Office, 57- V.E. Road, Thoothukudi – 628 002. ☏: 0461-2325136 e-mail : secretarial@tmb.bank.in CIN: L65110TN1921PLC001908 Ref.No.TMB.SE.83/2026-27 26.10.2026 The Manager The Manager National Stock Exchange of India Limited, BSE Limited, Exchange Plaza, 5th Floor, Plot No. C/1, Phiroze Jeejeebhoy Towers, 'G' Block, Bandra - Kurla Complex, Dalal Street, Bandra (East), Mumbai - 400 051. Mumbai – 400 001. Ref: Symbol: TMB / Scrip Code: 543596 Dear Sir/Madam, Sub: Investor / Analyst presentation on the Unaudited Financial Results of the Bank for the quarter and half-year ended September 30, 2026 Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are enclosing the Investor / Analyst presentation on the Unaudited Financial Results of the Bank for the quarter and half-year ended September 30, 2026. The said presentation has been uploaded on the website of the Bank and can be accessed at https://tmb.bank.in/investor-relation/financial-results Kindly take the information on record. Yours faithfully, For Tamilnad Mercantile Bank Limited Swapnil Yelgaonkar Company Secretary & Compliance Officer www.tmb.bank.in Safe Harbor Statement This presentation has been prepared by Tamilnad Mercantile Bank Ltd., (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank, and the information contained herein is only current as of its date and has not been verified by anyone else. All financial numbers are based on the Audited Financials or the Reviewed Financial results or based on Management estimates. Figures for the previous period(s) have been regrouped wherever necessary; totals in columns / rows may not agree due to rounding off. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed, and it may not contain all material information concerning the Bank. This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person / entity based in India or in any other country. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. This presentation may contain statements that constitute forward-looking statements. All forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated. Factors that could cause actual results to differ materially include, inter- alia, changes or developments in the Bank’s business, political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. Except as otherwise stated, all the information contained herein is indicative and is based on management information, current plans and estimates / projections. Any opinion, estimate or projection in the presentation constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. No representation or warranty, express or implied, is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Further, past performance is not necessarily indicative of future results. Anyone placing reliance on the information contained in this presentation or any other communication by the Bank does so at his / her / their own risk. Neither the Bank nor anyone else shall be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained in the presentation. The Bank may, at its sole discretion, alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify anyone of such change(s). This presentation is not to be distributed, redistributed, copied or disseminated in any manner whatsoever, either directly or indirectly. Forward-looking statements speak only as of the date they are made, and the Bank undertakes no obligation to update any forward-looking statement to reflect the impact of circumstances or events that arise after the date the forward-looking statement was made. www.tmb.bank.in Contents www.tmb.bank.in Q2FY27 Highlights: Growth Accelerated. Profit at Record Level Growth: Now in a higher orbit Driving Profitability. Delivering Performance Total Business Growth Profitability ❖ Total Business grew 27.25% YoY ❖ Driven by strong Net Interest Income ❖ ~ 3x the 10-year CAGR of 9.41% ❖ Net Profit highest ever ❖ Highest YoY growth in the last 18 years ❖ Asset quality strong, Credit Cost contained ❖ Growing 8%+ faster than the industry ❖ Cost to Income under control Rated (Stable) India Ratings Building resilience. Strengthening foundation Creating Enduring Value ❖ SMA I & II fully provided as per ECL norms ❖ ROE @ 16.92% ❖ Gross & Net NPA % continue to decline ❖ Quarterly EPS @ ₹28.49 ❖ Capital Adequacy @ 32.39% ❖ Market Cap up by 78%+ YoY (23.10.2026) ❖ Shareholders' funds @ 12.53% of Balance Sheet ❖ Balance sheet size up 24.49% YoY www.tmb.bank.in Scale and Returns: Net Profit Up 42.09%; ROE at 16.92% BUSINESS EARNINGS AND RETURNS Total Business Net Interest Operating Profit Net Profit ₹1,30,237 Cr Income ▲ 27.25% (YoY) ₹807 Cr ₹642 Cr ₹451 Cr Deposits CASA ₹69,546 Cr ₹17,629 Cr ▲ 35.17% ▲ 41.80% ▲ 42.09% (YoY) (YoY) (YoY) ▲ 25.49% ▲ 16.26% (YoY) (YoY) ROA ROE 2.18% 16.92% Gross Advances RAM Advances ₹60,691 Cr ₹57,247 Cr ▲ 29.32% ▲ 28.96% ▲ 33 bps Q2FY26: 1.85% ▲ 315 bps Q2FY26: 13.77% (YoY) (YoY) www.tmb.bank.in Growth With Quality: Cost-to-Income 38.28% NNPA 0.14% GROWTH QUALITY AND EFFICIENCY RISK AND ASSET QUALITY CASA Share RAM to Gross Gross NPA Net NPA Advances 25.35% ▼ 201 bps 94.33% ▼ 26 bps 0.61% ▼ 40 bps 0.14% ▼ 12 bps (YoY) (YoY) (YoY) (YoY) Unsecured Exposure NIM Credit Cost PCR* 0.20% ▼ 10 bps 4.19% ▲ 36 bps 0.09% ▼ 6 bps 96.61% ▲ 131 bps (YoY) (YoY) (YoY) (YoY) *on book PCR @ 77.49% Cost to Income Profit per Employee SMA (0,1 & 2) Provided: ▼ 100 bps Stressed NFB -100% 38.28% ▼ 553 bps ₹34.66 ▲ 36.45% 1.67% (YoY) lakh (YoY) (YoY) SMA 1 & 2 – as per ECL norms www.tmb.bank.in Deposits: Up 25.49% YoY (₹ in Crores) Q-o-Q Y-o-Y Growth % Growth % Business Parameters Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 (Q2FY27 (Q2FY27 Over over Q1FY27) Q2FY26) Current Account 4,334 4,442 5,084 4,639 5,042 8.69% 16.34% Savings Bank Account 10,829 11,405 12,281 12,213 12,587 3.06% 16.23% CASA 15,163 15,847 17,365 16,852 17,629 4.61% 16.26% Term Deposits 40,258 40,860 44,347 47,557 51,917 9.17% 28.96% Total Deposits 55,421 56,707 61,712 64,409 69,546 7.98% 25.49% www.tmb.bank.in 9 Term Deposits Drive Incremental Deposit Growth Incremental Incremental Non-Callable Deposits (NCD): (₹ in Crores) (₹ in Crores) Deposits YoY Growth (%) Growth H1FY26 Growth H1FY27 % In H1FY27: 5 ❖ Up ₹3,075 crore 2 7,834 7,570 ❖ Up by 56.34% from 31.03.26 ❖ 40.62% share in incremental Term Deposits 1 1,732 FCNR (B) Deposits: % 970 . 762 ❖ As of 30.09.2026, ₹1,055 crore, up by 47.14% YoY . 2 ❖ USD 51.94 million raised so far 2 1 264 under the Special Forex Swap Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 CASA TERM TOTAL CASA TERM TOTAL DEPOSITS DEPOSITS DEPOSITS DEPOSITS Facility of RBI www.tmb.bank.in 10 Gross Advances Up 29.32% YoY – RAM Remains the focus (₹ in Crores) Q-o-Q Y-o-Y Growth % Growth % Business Parameters Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 (Q2FY27 (Q2FY27 Over over Q1FY27) Q2FY26) Retail 11,878 14,411 14,912 14,529 14,886 2.46% 25.32% Agriculture 18,546 18,385 20,084 23,399 25,094 7.24% 35.31% MSME 13,968 14,910 15,532 16,155 17,267 6.88% 23.62% Total of RAM 44,392 47,706 50,528 54,083 57,247 5.85% 2 [Showing first 8,000 characters — download PDF for full document]