#1250 240 230 220 210 200 190 180 170 160 150 140 130 120 110 100 90 80 70 60 50 40 30 20 10 Tamilnad Mercantile Bank Ltd ΤΑΒ TAB= Be a step ahead in life 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 190 200 Investor Presentation Q4 FY 2023#2Disclaimer 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 of 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. TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 2#3Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life 1 2 Performance Highlights Key Ratios/ Parameters 3 Asset Quality Business / 4 Financial Performance Balance Sheet 5 Strategic Partners 6 Banking Outlet 7 www.tmb.in 3#4Performance Highlights 111 Highest ever Net Profit *1029CR Highest ever Operating Profit 1573CR Highest ever Net Interest Income 2094CR TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life Best in the last 10 Years NIM has increased to 4.46% ROA has moved to 1.97% Gross NPA has decreased to 1.39% Net NPA has decreased to 0.62% PCR has increased to 90.90% CRAR has stood at 26.26% www.tmb.in 4#5Shareholders Value-Enhanced (in Crores) NET WORTH 8000 7000 6000 5000 4000 3000 2000 1000 0 3618 3980 4580 5336 6928 FY2019 FY2020 2.20% ROA % 2.00% 1.80% 1.60% 1.40% 1.20% 1.00% 0.80% 0.68% 0.60% 0.40% 0.99% 1.34% FY2019 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life FY2020 FY2021 FY2022 FY2023 FY2021 FY2022 FY2023 0 300 200 100 FY2019 500 400 253.89 FY2020 279.25 FY2021 BOOK VALUE OF SHARE 321.38 FY2022 374.41 FY2023 437.53 ROE % 19.00% 1.97% 28.00% 16.58% 16.78% 1.66% 17.00% 26.00% 15.00% 13.00% 11.00% 9.00% 7.00% 5.00% 7.36% 10.73% 13.99% 24.00% 22.00% 20.00% 18.00% 16.00% 14.00% FY2019 FY2020 FY2021 www.tmb.in FY2022 FY2023 FY2019 16.17% 15.52% 0 (in ) (in) EPS 80 70 60 50 40 30 20 10 18.14 28.61 42.34 57.67 68.06 FY2019 FY2020 FY2021 FY2022 FY2023 CAPITAL ADEQUACY % 16.74% 15.87% 18.94% 17.93% 22.06% 26.26% 24.61% 20.44% FY2020 -CET-1 FY2021 FY2022 CRAR 5 FY2023#6Performance Highlights FY2023 vis-à-vis FY2022 Deposits Net Profit FY23 1,029 CR 25% FY22 822 CR Operating Profit 6% FY23 47,766 CR FY22 44,933 CR Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life Advances 11% FY23 37,582 CR FY22 33,748 CR Total Business FY23 85,348 CR 8% FY22 78,681 CR DE 4% FY23 1,573 CR FY22 1,516 CR Net Interest Income 15% FY23 2,094 CR FY22 1,815 CR www.tmb.in 6#7Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life, 1 Performance Highlights Balance Sheet 5 2 Key Ratios/ Parameters Strategic Partners 6 3 Asset Quality Banking Outlet 7 Business / 4 Financial Performance www.tmb.in 7#80 FY2019 1100 1000 900 800 700 009 500 400 300 200 100 0 FY2019 259 FY2020 Key Ratios / Parameters (Y-o-Y) (1/2) 408 FY2021 603 NET PROFIT FY2022 822 (in Crores) NET INTEREST INCOME (NII) 2200 2000 1800 1600 1400 1200 1000 800 600 400 1230 1320 1538 1815 2094 200 Tamilnad TMB= Mercantile Bank Ltd Be a step ahead in life FY2020 FY2021 FY2022 FY2023 www.tmb.in FY2023 4.70% 4.50% 4.30% 4.10% 3.90% 3.70% 3.50% 3.30% FY2019 1029 3.65% FY2020 (in Crores) 1600 1400 1200 1000 800 009 400 200 0 FY2019 3.64% FY2021 884 FY2020 995 FY2021 NET INTEREST MARGIN (NIM) % 3.77% FY2022 8 4.10% FY2023 1202 OPERATING PROFIT FY2022 4.46% 1527 FY2023 (in %) 1573 (in Crores)#9TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life Key Ratios/Parameters (Y-0-Y) (2/2) GROSS NPA % 4.32% 4.50% 4.00% 3.62% 3.50% 3.44% 3.00% 2.50% 2.00% 1.50% 1.00% FY2019 FY2019 FY2020 FY2021 FY2022 (Annualised) 1.69% 1.00% 1.39% 0.50% FY2023 ROA % FY2019 NET NPA % PCR % 2.50% 2.40% 95.00% 2.00% 1.98% 1.80% 90.00% 85.00% 1.50% 80.75% 79.53% 80.00% 0.95% 75.00% 73.61% 0.62% 70.00% FY2020 FY2021 2.20% 2.00% 1.97% 28.00% 26.00% 1.80% 1.66% 1.60% 24.00% 1.40% 1.34% 22.00% 1.20% 0.99% 20.00% 1.00% 0.80% 0.68% 18.00% 0.60% 16.00% 0.40% 14.00% FY2020 FY2021 FY2022 FY2023 FY2019 16.17% FY2020 15.87% FY2022 16.74% FY2021 www.tmb.in CET-1 --CRAR FY2023 CAPITAL ADEQUACY % 18.94% 17.93% FY2022 FY2023 22.06% 20.44% FY2019 26.26% 24.61% 9 FY2020 FY2021 FY2022 FY2023 87.92% 90.90%#10Key Ratios / Parameters (Q-o-Q) (in Crores) Q-o-Q Y-o-Y Growth Growth Parameters MAR'22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 (MAR'23 Over DEC'22) over MAR'22) Net Profit 227 234 262 280 253 -9.64% 11.45% Operating Profit 426 374 389 405 404 -0.25% -5.16% Net Interest Income (NII) 488 524 509 534 527 -1.31% 7.99% Net Interest Margin (%) 4.40 4.54 4.47 4.60 4.49 (Annualised) Gross NPA % 1.69 1.69 1.70 1.70 1.39 Net NPA % 0.95 0.93 0.86 0.75 0.62 PCR % ROA % 87.92 88.08 88.58 89.83 90.90 1.84 1.83 1.93 2.16 1.93 (Annualised) CET-1 % 20.44 20.05 22.98 22.85 24.61 CRAR % (Basel III) 22.06 21.67 24.58 24.44 26.26 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 10#11Efficiency Ratios (Y-o-Y) COST TO INCOME RATIO % COST OF FUNDS % 47.00% 46.23% 46.10% 46.00% CREDIT COST % 6.50% 6.29% 6.27% 45.00% 6.30% 44.00% 6.10% 2.00% 1.87% 5.90% 5.48% 43.00% 1.80% 1.51% 5.70% 1.60% 1.37% 5.50% 4.90% 42.00% 5.30% 4.71% 41.00% 1.40% 5.10% 1.20% 1.00% 0.80% 0.60% 0.40% FY2019 FY2020 FY2021 FY2022 FY2023 0.63% 4.90% 4.70% 0.40% 4.50% FY2019 FY2020 FY2021 FY2022 FY2023 FY2019 FY2020 FY2021 FY2022 FY2023 6.50% 6.30% 6.10% 44.90% 5.90% 5.70% 5.50% 42.29% 5.30% 5.10% 42.24% 4.90% 4.70% 4.50% 6.29% 10.40% 10.20% 10.00% YIELD ON ADVANCES % 10.09% 10.19% 9.65% 7.80% 7.60% 7.56% 7.40% 7.35% 7.20% 7.00% YIELD ON INVESTMENTS % 6.88% 9.80% 9.58% 9.60% 9.40% 9.20% 6.85% 9.00% 8.80% 8.60% 6.74% FY2019 9.80% 9.60% 9.40% 9.20% FY2019 FY2020 FY2021 9.45% FY2022 6.80% 9.43% FY2023 6.60% FY2019 FY2020 FY2021 FY2022 FY2023 www.tmb.in TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life FY2020 COST OF DEPOSITS % FY2019 FY2020 FY2021 YIELD ON FUNDS % 9.56% FY2021 8.86% 8.65% FY2022 11 FY2023 8.69% 6.27% 5.49% 4.91% 4.71% FY2022 FY2023#12Efficiency Ratios (Q-o-Q) Parameters MAR'22 JUN'22 SEP'22 DEC'22 MAR'23 (in %) Credit Cost (Annualised) 0.45 0.07 0.27 0.32 0.40 Cost of funds (Annualised) 4.84 4.52 4.59 4.56 5.15 Cost to Income Ratio 39.25 43.58 42.02 41.76 43.14 Cost of Deposits (Annualised) 4.84 4.53 4.59 4.53 5.17 Yield on Advances (Annualised) 9.67 9.48 9.42 9.46 9.90 Yield on Investments (Annualised) 6.74 6.86 6.84 6.84 6.85 Yield on funds (Annualised) 8.91 8.68 8.65 8.72 9.12 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 12#13Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life, 1 2 Performance Highlights Key Ratios/ Parameters 3 Asset Quality Business / 4 Financial Performance Balance Sheet 5 Strategic Partners 6 Banking Outlet 7 www.tmb.in 13#14NPA (Y-O-Y) 1400.00 1200.00 1000.00 800.00 600.00 400.00 200.00 0.00 FY2019 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life FY2020 FY2021 (in crores) GROSS NPA FY2022 FY2023 www.tmb.in 700.00 600.00 500.00 400.00 300.00 200.00 100.00 0.00 FY2019 FY2020 FY2021 (in crores) NET NPA FY2022 14 FY2023#15Sector-wise GNPA (Y-O-Y) RETAIL (in crores) 80 100 90 70 80 60 70 50 60 40 50 40 30 30 20 10 0 FY2019 FY2020 FY2021 FY2022 FY2023 20 10 0 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life FY2019 51.16 57.53 FY2020 FY2021 FY2022 FY2023 www.tmb.in AGRI (in crores) (in crores) MSME 500 1000 450 900 400 800 350 700 300 600 250 500 200 400 150 300 100 200 50 100 0 0 FY2019 FY2020 FY2021 FY2022 FY2023 FY2019 FY2020 FY2021 15 FY2022 FY2023 CORPORATE & OTHERS (in crores)#16Slippage Ratio & Sector-wise Slippage (Y-o-Y) 4.15% 3.65% 3.92% 3.15% SLIPPAGE RATIO % ON TOTAL ADVANCES 2.65% 2.05% 2.15% 2.15% 1.65% 1.15% 0.65% 0.15% FY2019 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life FY2020 FY2021 FY2022 1.70% (in crores) AGRI (in crores) RETAIL 140 70 66 58 120 100 60 80 50 38 60 40 30 ON WA 27 20 10 FY2019 MSME FY2020 FY2021 FY2022 FY2023 18 40 ll..... 20 0 129 47 47 47 42 FY2019 FY2020 FY2021 FY2022 FY2023 (in crores) (in crores) CORPORATE & OTHERS 650 612 0.82% 450 400 350 300 251 262 250 200 150 100 50 FY2023 0 411 600 355 550 500 450 400 350 170 300 250 200 137 150 100 40 54 37 50 FY2019 FY2020 FY2021 FY2022 FY2023 www.tmb.in 0 FY2019 FY2020 FY2021 16 FY2022 FY2023#17Movement of NPA (Y-O-Y) Particulars (in Crores) FY2019 FY2020 FY2021 FY2022 FY2023 Opening Balance of Gross NPA 868.28 1168.11 1020.98 1084.78 570.92 i)Cash Recovery 146.31 219.62 110.47 309.45 198.20 ii)Upgradation 237.32 116.26 8.10 131.38 23.89 iii)Write Off 263.77 365.91 392.59 320.89 98.72 Total Reduction* (i+ii+iii) 647.40 701.79 511.16 761.72 320.81 Fresh Addition* 947.23 554.66 574.96 247.86 271.35 Closing Balance of Gross NPA 1168.11 1020.98 1084.78 570.92 521.46 GNPA % 4.32 3.62 3.44 1.69 1.39 NPA Provision 493.28 483.23 430.03 249.63 281.18 Net NPA 636.51 497.47 613.82 317.58 229.82 NNPA % 2.40 1.80 1.98 0.95 0.62 Provision Coverage Ratio % 73.61 80.75 79.53 87.92 90.90 (with technical write-off) Provision Coverage Ratio % 45.51 51.28 43.42 44.37 55.93 (without technical write-off) *Accounts classified as NPA and upgraded or recovered during the same period are not considered TAB Tamilnad Mercantile Bank Ltd www.tmb.in 17 Be a step ahead in life#18SMA (Y-O-Y) (in Crores) SMA 0 (in Crores) SMA 1 9000 7876 8000 7000 6335 6000 5000 4000 3000 2000 995 1000 0 1400 1186 1200 956 1000 901 772 800 600 2274 400 1080 200 0 35.00% 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% FY2019 FY2020 FY2021 FY2022 SMA 0% ON GROSS ADVANCES 29.15% 22.43% FY2023 FY2019 FY2020 FY2021 FY2022 FY2023 SMA 1% ON GROSS ADVANCES 3.80% 3.54% 3.60% 3.40% 3.20% 3.00% 2.74% 2.86% 2.80% 6.74% 2.60% 3.15% 2.87% 2.40% 2.20% FY2019 FY2020 FY2021 FY2022 FY2023 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life FY2019 FY2020 (in Crores) SMA 2 800 671 700 565 600 534 892 500 400 300 205 200 100 0 FY2019 FY2020 FY2021 (in Crores) TOTAL SMA 9397 10000 9000 8000 7312 7000 475 6000 5000 4131 4000 2430 3000 2447 2000 1000 0 FY2022 FY2023 SMA 2% ON GROSS ADVANCES 3.51% 2.30% 2.10% 2.09% 1.90% 1.70% 1.50% 1.30% 1.10% 0.90% 0.70% 2.37% 0.50% FY2021 FY2022 FY2023 1.69% تا 0.73% FY2019 FY2020 www.tmb.in FY2021 FY2022 FY2019 FY2020 FY2021 FY2022 FY2023 SMA TOTAL % ON GROSS ADVANCES 1.99% 40.50% 35.50% 34.78% 30.50% 25.90% 25.50% 20.50% 1.27% 15.50% 12.24% 7.70% 6.51% 10.50% FY2023 5.50% FY2019 FY2020 FY2021 FY2022 FY2023 18#19SMA Sector-wise (Y-o-Y) SMA RETAIL (in crores) (in crores) SMA - AGRI (* in crores) SMA-MSME 1200 1000 800 705 600 485 400 200 0 1137 782 800 5000 4513 4000 3397 971 4500 700 3500 906 618 4000 600 3384 2825 3000 3500 500 3000 2500 400 2500 2000 322 2000 1594 300 1500 211 1500 200 165 927 924 1000 1000 100 500 0 500 0 0 FY2019 FY2020 FY2021 FY2022 4.00% SMA - RETAIL % ON GROSS ADVANCES 3.50% 2.87% 3.00% 2.61% 2.50% 2.00% 1.50% 1.72% FY2019 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life FY2020 FY2021 FY2022 FY2023 FY2023 FY2019 FY2020 FY2021 3.50% 2.89% 3.37% 3.00% 2.50% 2.19% 2.00% 1.50% 0.95% 2.58% 1.00% 0.52% 0.50% 0.00% FY2019 FY2020 FY2021 FY2022 SMA - AGRI % ON GROSS ADVANCES FY2022 FY2023 FY2019 FY2020 FY2021 FY2022 FY2023 SMA - MSME % ON GROSS ADVANCES 11.99% 17.50% 16.70% 15.50% 13.50% 11.50% 9.50% 7.50% 5.50% 3.50% 0.56% 1.50% FY2023 FY2019 FY2020 FY2021 (in crores) SMA OTHERS 1078 432 341 FY2022 FY2023 SMA - OTHERS % ON GROSS ADVANCES 14.00% 12.00% 12.57% 10.01% 10.00% 8.00% 6.00% 4.72% 4.00% 2.94% 2.46% 2.00% FY2019 FY2020 FY2021 FY2022 FY2023 www.tmb.in 0.00% FY2019 FY2020 3.19% 1.37% 0.91% FY2021 19 FY2022 FY2023#20Empty#21NPA - Sector-wise (Q-o-Q) (in Crores) Q-o-Q Y-o-Y Growth Growth Parameters MAR'22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 (MAR'23 Over DEC'22) over MAR'22) Retail 55.77 52.36 48.52 47.96 44.36 -7.51% -20.46% Agriculture 46.37 55.67 61.34 77.26 48.99 -36.59% 5.65% MSME 271.81 295.10 311.63 294.01 184.34 -37.30% -32.18% Others 196.97 169.02 171.85 171.85 243.77 41.85% 23.76% Total Gross NPA 570.92 572.15 593.34 591.08 521.46 -11.78% -8.66% TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 21#22Slippage - Sector-wise (Q-o-Q) (* in Crores) Q-o-Q Y-o-Y Growth Parameters MAR'22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 Growth (MAR'23 Over DEC'22) over MAR'22) Retail 1.30 4.67 2.66 5.53 4.68 -15.37% 260.00% Agriculture 0.00 9.50 14.95 20.78 1.48 -92.88% MSME 59.01 31.63 53.11 22.60 62.66 177.26% 6.19% Others 0.00 31.22 2.97 1.29 1.62 25.58% Total 60.31 77.02 73.69 50.20 70.44 40.32% 16.80% Slippage Ratio 0.18% 0.23% 0.22% 0.15% 0.21% TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 22 22#23Movement of NPA (Q-o-Q) Particulars (in Crores) Q4FY22 FY2022 Q1FY23 Q2FY23 Q3FY23 Q4FY23 FY2023 Opening Balance of Gross. 985.56 1084.78 570.92 572.15 593.34 591.08 570.92 NPA i)Cash Recovery 91.06 309.45 65.15 46.41 46.64 40.00 198.20 ii)Upgradation 51.95 131.38 10.64 6.09 5.82 1.34 23.89 iii)Write Off 320.89 320.89 0.00 0.00 0.00 98.72 98.72 Total Reduction* (i+ii+iii) 463.90 761.72 75.79 52.50 52.46 140.06 320.81 Fresh Addition* 49.26 247.86 77.02 73.69 50.20 70.44 271.35 Closing Balance of Gross NPA 570.92 570.92 572.15 593.34 591.08 521.46 521.46 GNPA % 1.69 1.69 1.69 1.70 1.70 1.39 1.39 NPA Provision 249.63 249.63 255.32 291.39 325.73 281.18 281.18 Net NPA 317.58 317.58 310.92 295.97 259.10 229.82 229.82 NNPA % 0.95 0.95 0.93 0.86 0.75 0.62 0.62 Provision Coverage Ratio % 87.92 87.92 88.08 88.58 89.83 90.90 90.90 (with technical write-off) Provision Coverage Ratio % 44.37 44.37 45.66 50.12 56.16 55.93 55.93 (without technical write-off) *Accounts classified as NPA and upgraded or recovered during the same period are not considered TAB Tamilnad Mercantile Bank Ltd www.tmb.in 23 Be a step ahead in life#24SMA- Sector-wise (Q-o-Q) (in Crores) Q-o-Q Y-o-Y Growth Parameters MAR'22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 Growth (MAR'23 Over DEC'22) over MAR'22) Retail 1137.19 1244.81 1339.90 887.23 969.82 9.31% -14.72% Agriculture 322.17 294.78 317.91 445.03 211.40 -52.50% -34.38% MSME 1593.81 1946.03 1693.30 1068.23 924.46 -13.46% -42.00% Others 1078.13 1158.53 997.04 525.34 341.32 -35.03% -68.34% Total 4131.30 4644.15 4348.15 2925.83 2447.00 -16.37% -40.77% TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 14 24#25Stressed Assets (Q-o-Q) Particulars (in Crores) Q-o-Q Y-o-Y Growth Growth MAR'22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 (MAR'23 Over over DEC'22) MAR'22) Standard Restructure advances 935.15 903.42 832.73 804.53 673.81 -16.25% -27.95% Gross NPA Gross Advances 570.92 572.15 593.34 591.08 521.46 -11.78% -8.66% 33748.17 33822.76 34876.53 34801.61 37582.11 Stressed Assets Ratio (in%) 4.46 4.36 4.03 4.01 3.18 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 7.99% 11.36% 25 25#26Restructured Advances (Q-o-Q) Advances (Gross) Particulars Restructured Assets Of which a.i) Standard a.ii) NPA Of which TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life b.i) CDR % of CDR to Total Restructured Advances b.ii) Non-CDR % of Non CDR to Total Restructured Advances (in Crores) Q-0-Q Y-o-Y Growth Growth MAR-22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 (MAR'23 Over DEC'22) over MAR'22) 33748.17 33822.7634876.53 34801.61 37582.11 7.99% 11.36% 1034.30 994.56 948.45 896.36 785.53 -12.36% -24.05% 935.15 903.42 832.73 804.53 673.81 -16.25% -27.95% 99.15 91.14 115.72 91.83 111.72 21.66% 12.68% 46.32 43.24 36.84 13.85 0.00 -100.00% -100.00% 0.00% 4.48% 4.35% 3.88% 1.55% 785.53 -10.99% -10.99% -20.49% 987.98 951.32 911.61 882.51 95.52% 95.65% 91.66% 98.45% 100.00% www.tmb.in 26#27Sector-wise Restructured Accounts (Q-o-Q) (in Crores) Q-o-Q Y-o-Y Growth Growth Sector MAR-22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 (MAR'23 Over over DEC'22) MAR'22) 1.Retail 185.16 181.88 180.42 194.14 184.82 -4.80% -0.18% 2.AGRI 42.13 41.27 43.40 19.55 17.37 -11.15% -58.77% 3.MSME 436.55 419.93 393.47 341.55 306.63 -10.22% -29.76% 4.Corporate & 370.46 351.48 331.16 341.12 276.71 -18.88% -25.31% Others Total 1034.30 994.56 948.45 896.36 785.53 -12.36% -24.05% TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 27#28TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life 1 2 Performance Highlights Key Ratios/ Parameters 3 Asset Quality Business / 4 Financial Performance Balance Sheet 5 Strategic Partners 6 Banking Outlet 7 www.tmb.in 28#2935000 30000 25000 20000 15000 10000 FY2019 TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life Business Mix (Y-o-Y) 45000 40000 TOTAL DEPOSITS FY2020 FY2021 FY2022 FY2023 10000 FY2019 (in Crores) TOTAL BUSINESS 90000 80000 70000 60000 50000 40000 30000 62155 65061 72511 78681 85348 20000 FY2020 (in Crores) FY2021 40000 35000 30000 25000 20000 15000 10000 5000 www.tmb.in 0 FY2019 27019 FY2020 FY2022 28236 FY2021 FY2023 TOTAL ADVANCES (in Crores) 31541 FY2022 29 33748 FY2023 37582#30Deposits Portfolio (Q-o-Q) 34030 (in Crores) Q4FY23 13736 (in Crores) Q-o-Q Growth Y-o-Y Growth Business Parameters MAR-22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 (MAR'23 Over DEC'22) over MAR'22) A.CASA 13,705 13,246 13,192 12,851 13,736 6.88% 0.22% CASA % 31% 31% 31% 30% 29% B. Total Term Deposit 31,228 29,987 29,944 30,589 34,030 34,030 11.25% ▲ 8.97% CASA Term Deposits Deposits (A+B) 44,933 43,233 43,136 43,440 47,766 ▲ 9.96% ▲6.30% TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 30#31Advances Portfolio (Q-o-Q) (in Crores) (in Crores) Q-o-Q Y-O-Y Growth Growth Q4FY23 Particulars MAR-22 JUN'22 SEP'22 DEC'22 MAR'23 (MAR'23 (MAR'23 Over DEC'22) MAR'22) over Gross Advances 33,748 33,823 34,877 34,802 37,582 7.99% 11.36% 13% 4822 21% 7866 Of which Retail Sector 6,758 6,853 7,127 7,612 7,866 3.34% 16.39% Agriculture Sector 10,023 10,308 10,386 10,620 11,575 8.99% 15.48% 35% 13319 MSME Sector 31% 11575 12,615 12,588 12,690 12,870 13,319 3.49% 5.58% 87% Total of RAM 29,396 29,749 30,203 31,102 32,760 RAM % to Gross Advances 5.33% 11.44% 88% 87% 89% 87% Corporate & Others 4,352 4,074 4,674 3,700 4,822 30.32% 10.80% Retail Agri MSME Corporate & Others CD Ratio 75% 78% 81% 80% 79% TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 31#32Financial Performance (in Crores) 3 Months 12 Months Q-o-Q Y-o-Y Y-O-Y Growth Growth Growth Financial Parameters Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 (Q4FY'23 Over Q3FY'23) Q4FY23 over Q4FY22 MAR'22 MAR'23 MAR'23 over MAR'22 Interest Income Non-Interest Income Total Income 1200.66 986.49 1002.15 214.17 139.62 1141.77 1141.49 996.69 144.80 1012.12 1070.08 5.73% 8.47% 3833.87 4081.04 6.45% 160.76 183.93 14.41% -14.12% 812.26 629.11 -22.55% 1172.88 1254.01 6.92% Interest Expenses 498.77 478.13 488.14 477.85 542.80 13.59% Operating Expenses 275.50 289.24 264.12 290.22 306.81 5.72% 4.44% 8.83% 2018.63 1986.92 11.36% 1111.03 1150.39 4646.13 4710.15 1.38% -1.57% 3.54% Of which Employee Cost 166.21 151.09 148.38 152.28 166.92 9.61% 0.43% 615.80 618.67 0.47% Other Operating 109.29 138.15 115.74 137.94 139.89 1.41% 28.00% 495.23 531.72 7.37% Exp. Total Expenditure 774.27 767.37 752.26 768.07 849.61 10.62% 9.73% 3129.66 3137.31 0.24% Net Interest Income 487.72 524.02 508.55 534.27 527.28 -1.31% Operating Profit 426.39 374.40 389.23 404.81 404.40 Provision other than 155.97 55.22 33.88 32.93 72.50 tax Taxes 43.47 84.97 93.05 92.18 Net Profit 226.95 234.21 262.30 279.70 78.85 253.05 -0.10% 120.16% -14.46% -9.53% 8.11% -5.16% 1815.24 2094.12 15.36% 1516.47 1572.84 3.72% -53.52% 401.36 194.53 -51.53% 81.39% 293.18 349.05 19.06% 11.50% 821.92 1029.26 25.23% TAB Tamilnad Mercantile Be a step ahead in life www.tmb.in 32 Bank Ltd#33Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life 1 2 Performance Highlights Key Ratios/ Parameters 3 Asset Quality Business / 4 Financial Performance Balance Sheet 5 Strategic Partners 6 Banking Outlet 7 www.tmb.in 33#34Balance Sheet Capital Reserves and Surplus Deposits Borrowings Other Liabilities and Provisions Total Liabilities Cash and Balance with RBI Balance with Bank and Money at call and short notice Investments Advances Fixed Assets Other Assets Total Assets TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life Liabilities As on 31.03.2019 As on As on 31.03.2020 31.03.2021 142.51 142.51 142.51 As on 31.03.2022 142.51 (in Crores) As on 31.03.2023 158.35 3475.74 3837.13 4437.47 5193.19 6770.00 35136.25 36825.03 40970.42 44933.11 47766.48 0.00 1778.29 324.00 1630.12 0.00 0.00 525.00 40532.80 42758.80 1976.77 47527.17 2589.67 52858.48 2675.54 57895.37 Assets (in Crores) As on 31.03.2019 As on 31.03.2020 As on 31.03.2021 As on 31.03.2022 As on 31.03.2023 1735.34 1414.41 1680.29 2113.11 2102.57 1185.01 2322.15 1024.79 1738.89 1479.41 9106.59 9467.33 11703.21 13035.46 14156.04 26487.94 27715.76 31069.60 33491.54 37289.69 138.38 1879.53 40532.80 128.45 1710.70 42758.80 137.18 1912.10 47527.17 210.84 2268.64 52858.48 245.65 2622.01 57895.37 www.tmb.in 34#35Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life 1 2 Performance Highlights Key Ratios/ Parameters 3 Asset Quality Business / 4 Financial Performance Balance Sheet 5 Strategic Partners 6 Banking Outlet 7 www.tmb.in 35#36Strategic Partners - Fintech / Business Tie-ups uti UTI Mutual Fund FRANKLIN TEMPLETON INVESTMENTS Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life Tate be Ckotak General Insurance HDFC MUTUAL FUND LIC Nippon india Mutual Fund San L Akmail First Infosys Navigate your next IBM DOLL Fisdom ICICI PRUDENTIAL MUTUAL FUND SUNDARAM MUTUAL Funds Mutual الم Support MAX LIFE INSURANCE infibeam.com Paytm Chola MS GENERAL INSURANCE WORLDLINE LIFE GOALS. DONE. BAJAJ Allianz SBlePay Payu Cashfree NTтрата Payments Trusted Global Innovator India Ideas Razorpay Insurance Payment Gateway ΤΑΒ Commercial Vehicle Finance Tamilnad Mercantile Bank Ltd. Be a step ahead in life PIAGGIO Point of Sales Remittance From Abroad Govt. Business CISCO Paytm WORLDLINE W E-STAMPING BUSINESS StockHolding" we look after eenting WESTERN UNION MONEY TRANSFER www.tmb.in NSDL Technology, Trust & Reach BSNL Connecting India TANGEDCO Peda 36#37Tamilnad Mercantile Bank Ltd TMB= Be a step ahead in life 1 2 Performance Highlights Key Ratios/ Parameters Balance Sheet 5 Strategic Partners 6 7 3 Asset Quality Business / 4 Financial Performance Banking Outlet www.tmb.in 37#38Banking outlet Tamilnad Mercantile Bank Ltd Regd Office: 57, V.E. Road, Thoothukudi - 628 002 CIN L65110TN1921 PLC001908 GUJARAT 22 RAJASTHAN 3 JAMMU & KASHMIR HIMACHAL PRADESH PUNJAB 1 HARYANA 2 ECHI UTTARAKHAND 1 MADHYA PRADESH 3 DADRA & NAGAR HAVELI AND DAMAN & DIU MAHARASHTRA 23 TELANGANA 8 GOA KARNATAKA 21 ANDHRA PRADESH 27 KERALA 21 TAMIL NADU 386 UTTAR PRADESH 1 3 SIKKIM BIHAR ASSAM ARUNACHAL PRADESH NAGALAND 1 MEGHALAYA MANIPUR TRIPURA JHARKHAND MIZORAM WEST BENGAL CHHATTISGARH 1 ODISHA 1 ANDAMAN AND NICOBAR ISLANDS PONDICHERRY 2 During the Q4, 19 new branches were opened TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life Semi Urban 48.49% Urban 20.57% Rural 16.04% Metro 14.90% TMB Tamilnad Mercantile Bank Ltd Be a step ahead in life BANKING OUTLET STATE BRANCH(ES) BUSINESS CORRESPONDENTS (BCs) ATM(s) CRM(S) E-LOBBY(IES) TOTAL Tamilnadu 386 127 513 956 292 103 Andhra Pradesh 27 27 44 9 4 Maharashtra 23 23 28 6 2 Gujarat 22 22 23 4 2 Karnataka 21 21 30 2 Kerala 21 2 23 24 3 1 Telangana 8 8 13 3 1 Madhya Pradesh 3 3 Rajasthan 3 Haryana 2 3 2 342 - Assam 1 1 1 Chhattisgarh 1 1 1 - Odisha 1 1 1 Punjab 1 1 1 Uttar Pradesh 1 1 1 Uttarkhand 1 1 1 West Bengal 1 1 1 1 Union Territories (4) 7 7 16 3 Total 530 129 659 1149 324 113 www.tmb.in 38#39Awards & Accolades during the FY2023 The Bank has bagged three awards at Atal Pension Yojana Felicitation and Strategic Review Programme conducted on May 2022. 1. Old age Freedom fighters award of excellence (August - October 2021) 2. Outperformers (Q3, 2021-22) 3. Citizen's Choice Award for Best performing in the state of Tamilnadu. The Bank has won two awards in the name of "Numero Uno Exemplary Award of Par Excellence" from PFRDA for achieving the highest performance in Private Sector Bank category during the period from 01-04-2022 to 30-09-2022. The Bank has bagged the "Best Small Indian Bank" award in the Best Banks survey for the year 2022 done by Business Today-KPMG (BT-KPMG Best Banks Survey) The Bank has bagged "Best Bank at National Level" for the year 2022, under other than large Private Sector banks category. The Bank has received ASSOCHAM 9th MSME Excellence Award "Best MSME Bank - Runner Up". TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life www.tmb.in 39#40TAB Tamilnad Mercantile Bank Ltd Be a step ahead in life Tamilnad Mercantile Bank Limited No. 57, Victoria Extension Road, Thoothukudi - 628 002, Tamil Nadu, India Investor Contact Mr.P.A.Krishnan, Chief Financial Officer Mob: 63852 28111 E-mail: [email protected] Mr.Prakash Chandra Panda, Company Secretary & Compliance Officer Mob: 96595 23378 E-mail: [email protected] Website: www.tmb.in Thank You 40