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T N Merc. Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE668A01016
  • NSEID: TMB
  • BSEID: 543596
  • View on NSE | View on BSE
INR
740.00
1.75 (0.24%)
BSENSE

Jun 03, 03:31 PM

BSE+NSE Vol: 2.37 lacs

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stock-recommendationNine Monthly Results
Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Interest Earned
4,269.04
3,949.58
3,594.20
3,010.96
2,847.37
Income On Investments
794.64
770.33
792.43
669.19
603.66
Interest On Balances With Rbi Other Inter Bank Funds
43.11
18.61
25.68
19.04
39.45
Interest / Discount On Advances / Bills
3,430.56
3,159.21
2,773.25
2,318.28
2,197.50
Others
0.73
1.43
2.84
4.45
6.76
Other Income
635.31
650.11
481.04
445.18
598.09
Total Income
4,904.35
4,599.69
4,075.24
3,456.14
3,445.46
Interest Expended
2,446.22
2,216.57
2,010.36
1,444.12
1,519.86
Net Interest Income
1,822.82
1,733.01
1,583.84
1,566.84
1,327.51
Total Expenditure (Excl Depreciation)
1,125.21
1,041.38
949.65
843.59
835.54
Employee Cost
573.81
548.55
496.81
451.75
0.00
Other Operating Expenses
551.40
492.83
452.84
391.84
835.54
Operating Profit Before Provisions and Contingencies
1,332.92
1,341.74
1,115.23
1,168.43
1,090.06
Exceptional Items
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
29.84
153.63
64.66
122.02
245.39
Profit Before Tax
1,303.08
1,188.11
1,050.57
1,046.41
844.67
Tax
339.18
297.40
231.60
270.20
249.71
Profit After Tax
963.90
890.71
818.97
776.21
594.96
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
Net Profit
963.90
890.71
818.97
776.21
594.96
Face Value
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
Diluted Earnings per share
21.57
18.96
17.95
17.66
14.24
Operating Profit Margin (Excl OI)
73.64%
73.63%
73.58%
71.98%
70.66%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
22.58%
22.55%
22.79%
25.78%
20.9%
Net Interest Margin
4.04%
4.0%
4.08%
4.6%
4.03%
Return on Assets
1.97%
1.89%
1.93%
2.16%
1.66%
CASA (%)
27.95%
27.36%
29.63%
29.58%
27.76%
CASA Amount
0.00
0.00
0.00
12,851.00
11,667.00
Capital Adequacy Ratio (Total)
30.08%
29.35%
25.95%
24.44%
18.73%
Capital Adequacy Ratio (Tier 1)
28.53%
27.88%
24.55%
22.85%
17.74%
Provision Coverage Ratio (%)
96.08%
93.21%
86.27%
89.83%
87.92%
Amount of Gross NPAs
462.83
576.38
649.13
591.08
985.56
Amount of Net NPAs
100.08
177.59
375.34
259.10
452.36
% of Net NPAs
0.2%
0.41%
0.98%
0.75%
1.44%
% of Gross NPAs
0.91%
1.32%
1.69%
1.7%
3.08%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
1161.0
1154.0
1147.0
0.0
Number of Branches
0.0
572.0
681.0
511.0
0.0
Nine Monthly Analysis Highlights
stock-summary

Interest Earned

YoY Growth in nine months ended Dec 2025 is 8.09% vs 9.89% in Dec 2024

stock-summary

Net Profit

YoY Growth in nine months ended Dec 2025 is 8.22% vs 8.76% in Dec 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is -0.66% vs 20.31% in Dec 2024

stock-summary

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.21% vs -0.57% in Dec 2024

stock-summary

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.41% vs -0.37% in Dec 2024

Compare Nine Monthly Results Of T N Merc. Bank With
Markets Mojo
Figures in Cr
Standalone Nine Monthly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
4,269.04
9,873.53
-5,604.49
-56.76%
Income On Investments
794.64
2,236.26
-1,441.62
-64.47%
Interest On Balances With Rbi Other Inter Bank Funds
43.11
44.10
-0.99
-2.24%
Interest / Discount On Advances / Bills
3,430.56
7,256.14
-3,825.58
-52.72%
Others
0.73
337.03
-336.30
-99.78%
Other Income
635.31
683.10
-47.79
-7.0%
Total Income
4,904.35
10,556.63
-5,652.28
-53.54%
Interest Expended
2,446.22
5,485.23
-3,039.01
-55.4%
Net Interest Income
1,822.82
4,388.30
-2,565.48
-58.46%
Total Expenditure (Excl Depreciation)
1,125.21
2,995.69
-1,870.48
-62.44%
Employee Cost
573.81
1,965.51
-1,391.70
-70.81%
Other Operating Expenses
551.40
1,030.18
-478.78
-46.48%
Operating Profit Before Provisions and Contingencies
1,332.92
2,075.71
-742.79
-35.78%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
29.84
-21.65
51.49
237.83%
Profit Before Tax
1,303.08
2,097.36
-794.28
-37.87%
Tax
339.18
531.68
-192.50
-36.21%
Profit After Tax
963.90
1,565.68
-601.78
-38.44%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
963.90
1,565.68
-601.78
-38.44%
Face Value
10.00
1.00
0.00
Reserves
0.00
0.00
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
22.58%
15.86%
0.00
6.72%
Net Interest Margin
4.04%
3.62%
0.42
0.42%
Return on Assets
1.97%
0.00%
1.97
1.97%
CASA (%)
27.95%
44.10%
-16.15
-16.15%
CASA Amount
0.00
68,736.00
-68,736.00
-100.0%
Capital Adequacy Ratio (Total)
30.08%
15.00%
15.08
15.08%
Capital Adequacy Ratio (Tier 1)
28.53%
12.77%
15.76
15.76%
Provision Coverage Ratio (%)
96.08%
90.46%
5.62
5.62%
Amount of Gross NPAs
462.83
3,487.12
-3,024.29
-86.73%
Amount of Net NPAs
100.08
776.36
-676.28
-87.11%
% of Net NPAs
0.20%
0.68%
-0.48
-0.48%
% of Gross NPAs
0.91%
3.00%
-2.09
-2.09%
Public Share Holdings (%)
0.00%
40.60%
-40.60
-40.60%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
1,436.00
-1,436.00
-100.0%
Number of Branches
0.00
1,017.00
-1,017.00
-100.0%
Nine Monthly - Interest Earned
Interest Earned 4269.04 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 8.09% vs 9.89% in Dec 2024

Nine Monthly - Net Profit
Net Profit 963.90 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is 8.22% vs 8.76% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,332.92 Cr
in Dec 2025

Figures in Cr
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.66% vs 20.31% in Dec 2024

Nine Monthly - % of Net NPAs
% of Net NPAs 0.20%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.21% vs -0.57% in Dec 2024

Nine Monthly - % of Gross NPAs
% of Gross NPAs 0.91%
in Dec 2025

Figures in %
stock-summary

YoY Growth in nine months ended Dec 2025 is -0.41% vs -0.37% in Dec 2024

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