Investor Presentaiton

Movement 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

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