General Updates

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.89/2026-27 30.10.2026 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: Clarification on ECL framework data provided in the Investor / Analyst presentation on the Unaudited Financial Results of the Bank for the quarter and half-year ended September 30, 2026 With reference to our earlier intimation Ref.No.TMB.SE.83/2026-27 dated October 26, 2026, related to the Investor / Analyst presentation on the Unaudited Financial Results of the Bank for the quarter and half-year ended September 30, 2026, the Bank clarifies that an amount of ₹304.24 crore provided towards the estimated ECL requirement of ₹385 crore calculated on the basis of its advances portfolio as on September 30, 2026, represents proactive provisioning and not a regulatory shortfall. The ECL framework becomes applicable only from April 1, 2027, with the impact eligible for recognition through retained earnings or phased over five years from FY28, in accordance with RBI regulations. TMB has voluntarily recognized nearly 80% of the estimated requirement well ahead of the regulatory timeline, reflecting its prudent and proactive approach to strengthening balance sheet preparedness and mitigating future earnings impact. Kindly take the information on record. Yours faithfully, For Tamilnad Mercantile Bank Limited Swapnil Yelgaonkar Company Secretary & Compliance Officer