Tamilnad Mercantile Bank Full Year 2025 Earnings: EPS: ₹74.68 (vs ₹67.70 in FY 2024)

Tamilnad Mercantile Bank (NSE:TMB) Full Year 2025 Results

Key Financial Results

• Revenue: ₹29.8b (up 10% from FY 2024).
• Net income: ₹11.8b (up 10% from FY 2024).
• Profit margin: 40% (in line with FY 2024).
• EPS: ₹74.68 (up from ₹67.70 in FY 2024).

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TMB Banking Performance Indicators

• Net interest margin (NIM): 4.07% (down from 4.11% in FY 2024).
• Cost-to-income ratio: 44.6% (down from 47.0% in FY 2024).
• Non-performing loans: 1.26% (down from 1.45% in FY 2024).

All figures shown in the chart above are for the trailing 12 month (TTM) period

The primary driver behind last 12 months revenue was the Retail Banking segment contributing a total revenue of ₹43.1b (144% of total revenue). The largest operating expense was General & Administrative costs, amounting to ₹10.5b (58% of total expenses). Explore how TMB's revenue and expenses shape its earnings.

Tamilnad Mercantile Bank shares are up 2.5% from a week ago.

Balance Sheet Analysis

While it's very important to consider the profit and loss statement, you can also learn a lot about a company by looking at its balance sheet. We've done some analysis and you can see our take on Tamilnad Mercantile Bank's balance sheet.

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