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.54/2026-27 27.07.2026 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 Ended June 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 Ended June 30, 2026. The said presentation has been uploaded on the website of the Bank and can be accessed at https://tmb.bank.in/pages/Financial-Results Kindly take the information on record. Yours faithfully, For Tamilnad Mercantile Bank Limited Swapnil Yelgaonkar Company Secretary & Compliance Officer rusted Since 1921 odernizing for the Future anking on Growth Disclaimer 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 Table of Contents Performance Highlights Business / Financial Performance P & L and Balance sheet Asset Quality Key Ratios / Parameters Phygital Expansion www.tmb.bank.in Q1FY27 – Adding Value Through Purposeful Growth... Total Business Growth % ❖ 8.82% 10 year CAGR ❖ Driven by Strong ❖ Stressed NFB fully ❖ ROE @15.93% to 23% Net Interest Income provided ❖ Highest in last 14 ❖ Net Profit highest ❖ Gross & Net NPA % ❖ Quarterly EPS @ years ever continue to decline ₹25.99 ❖ 7%+ over industry ❖ Credit Cost ❖ Capital Adequacy @ ❖ Market Cap up by growth under control 32.33% ~20% since last results www.tmb.bank.in Value Driven Growth… Net Interest Total Business 23.04% 32.01% Income ₹1,21,715 Cr (YoY) (YoY) ₹765 Cr Operating Profit Deposits 48.22% 19.71% ₹64,409 Cr (YoY) ₹611 Cr (YoY) Boosting Earnings Net Profit CASA 34.97% 16.94% ₹412 Cr (YoY) ₹16,852 Cr (YoY) Q1FY2027 Advances 27.01% 32 Bps @2.14% ₹57,306 Cr (YoY) (Q1FY26: 1.82%) RAM Advances 28.47% 263 Bps @15.93% ₹54,083 Cr (YoY) (Q1FY26: 13.30%) www.tmb.bank.in Growth Carefully Engineered… @ 26.16 % Q1FY2027 @ 0.09 % CASA Credit Share Cost (62 Bps YoY) (3 Bps YoY) Additionally, stressed NFB fully provided @ 94.38 % @ 0.69 % GNPA Advances (107 Bps YoY) (53 Bps YoY) Disciplined Performance @ 0.10 % @ 0.17 % Unsecured NNPA Exposure (18 Bps YoY) (16 Bps YoY) @ 4.29 % @ 2.21% (0,1&2) (45 Bps YoY) (84 Bps YoY) @ 39.10 % Cost to @ 96.04 % PCR* Income (1005 Bps YoY) (172 Bps YoY) Ratio *on book PCR @ 75.36% www.tmb.bank.in Business Performance - Deposits (₹ in Crores) Q-o-Q Y-o-Y Growth % Growth % Business Parameters Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 (Q1FY27 (Q1FY27 Over over Q4FY26) Q1FY26) Current Account 3,989 4,334 4,442 5,084 4,639 -8.75% 16.28% Savings Bank Account 10,422 10,829 11,405 12,281 12,213 -0.56% 17.18% CASA 14,411 15,163 15,847 17,365 16,852 -2.95% 16.94% Term Deposits 39,392 40,258 40,860 44,347 47,557 7.24% 20.73% Total Deposits 53,803 55,421 56,707 61,712 64,409 4.37% 19.71% www.tmb.bank.in 9 Deposits – Gaining Momentum… Incremental Incremental (₹ in Crores) (₹ in Crores) Deposits YoY Growth (%) Growth Q1FY26 Growth Q1FY27 Non –Callable Deposits: 1 ❖ Up by 18.44% Q.o.Q . 9 8 1 1 1 2 2 , ❖ 80.39% of deposits are one year & above tenure - FCNR (B) Deposits: 3 1 ❖ ₹825 crore, up by 11.03% Q.o.Q ❖ USD 10 million raised so far under the Special Forex Swap Facility of RBI www.tmb.bank.in 10 Business Performance - Advances (₹ in Crores) Q-o-Q Y-o-Y Growth % Growth % Business Parameters Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 (Q1FY27 (Q1FY27 Over over Q4FY26) Q1FY26) Retail 10,660 11,878 14,411 14,912 14,529 -2.56% 36.28% Agriculture 17,987 18,546 18,385 20,084 23,399 16.51% 30.09% MSME 13,452 13,968 14,910 15,532 16,155 4.01% 20.09% Total of RAM 42,099 44,392 47,706 50,528 54,083 7.04% 28.47% RAM % to Gross 93.31% 94.59% 93.98% 94.66% 94.38% -28 Bps 107 Bps Advances Others 3,021 2,538 3,057 2,851 3,223 13.01% 6.69% Gross Advances 45,120 46,930 50,763 53,379 57,306 7.36% 27.01% CD Ratio % 83.86% 84.68% 89.52% 86.50% 88.97% 247 Bps 511 Bps www.tmb.bank.in 11 Advances - The Growth Momentum Sustained…. Advances YoY Growth (%) MSME YoY Growth (%) RAM YoY Growth (%) 1 9 4 % .4 5 2 1 3 3 .2 .0 2 0 4 2 .8 .8 % % 4 2 5 4 .0 4 3 .0 % 2 0 4 .1 % 3 9 .1 0 .3 1 www.tmb.bank.in Advances- Profitability at the core Retail Advances Agri Advances MSME Advances Other Advances 8 % 0 % 1 2 . 6 3 9 0 . 0 % . 0 2 9 6 . 6 4 . 7 % 1 % 3 4 1 7 5 . 6 0 . 0 % . 0 1 % % 2 1 % 3 % [Showing first 8,000 characters — download PDF for full document]