How has been the historical performance of T N Merc. Bank?

Answer:The historical performance of T N Merc. Bank shows a consistent growth trend in key financial metrics over the years.

Breakdown:
T N Merc. Bank has demonstrated significant growth in interest earned, increasing from 3,466.11 Cr in Mar'20 to 5,291.26 Cr in Mar'25. This growth is primarily driven by interest on advances, which rose from 2,701.10 Cr to 4,246.18 Cr during the same period. Total income also saw a substantial increase, reaching 6,141.75 Cr in Mar'25, up from 3,992.58 Cr in Mar'20. Net interest income followed suit, climbing to 2,300.92 Cr from 1,319.52 Cr. The bank's profit before tax improved significantly, from 407.69 Cr in Mar'20 to 1,574.89 Cr in Mar'25, while profit after tax also rose to 1,182.61 Cr from 340.29 Cr. The net profit margin remained strong, with a PAT margin of 22.35% in Mar'25. On the balance sheet, total assets increased from 42,758.80 Cr in Mar'20 to 66,559.57 Cr in Mar'25, with deposits growing to 53,688.96 Cr. The bank's capital adequacy ratio improved to 32.71% in Mar'25, indicating a solid capital position. Cash flow from operations showed a positive trend, with a net increase in cash and cash equivalents of 840.00 Cr in Mar'25, compared to a decrease in previous years. Overall, T N Merc. Bank's performance reflects a robust growth trajectory across various financial dimensions.