Earnings calls

T N Merc. Bank concall ledger

Every earnings call for TMB — management tone, guidance, KPIs and promise tracking, quarter by quarter.

TMB · 4 transcripts · Financial Services · latest Q4 FY26

Q4 FY26Published 27 Apr 2026Call held 27 Apr 2026

TMB Q4 FY26 Earnings Call Transcript & Analysis

Net Profit₹373.65 cr+28% YoYROE15.03%NIM4.18%GNPA0.73%

Net Profit (Q4) ₹374 cr (+28% YoY); ROE (FY26) 15.03%; NIM (Q4) 4.18%. Advances grew 20.32% (22.57% including IBPC sale) against guidance of 16-17%.

Q3 FY26Published 04 Feb 2026Call held 04 Feb 2026

Net Profit₹341.5 cr+14% YoYEPS₹21.57ROE14.22%NIM4.04%GNPA0.91%

Net Profit ₹342 cr (+14% YoY); EPS ₹21.57; ROE 14.22%. Total business grew 14.28%, exceeding guidance of 12.40%.

Q2 FY26Published 28 Oct 2025Call held 28 Oct 2025

GNPA1.01%

GNPA 1.01%. Profit at INR318 crores, up 4.73% YoY.

Q4 FY25Published 28 Jul 2025Call held 28 Jul 2025

Net Profit—+6% YoYNIM3.84%GNPA1.22%

NIM 3.84%; GNPA 1.22%. Total business grew 9.86% YoY to INR 98,923 crores.