TMB Bullish View

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### **Tamilnad Mercantile Bank (TMB)**
**Tamilnad Mercantile Bank Limited (TMB)** is one of India's oldest and most trusted **private sector banks**, known for its strong presence in **Tamil Nadu** and growing footprint across India. The bank primarily serves **small businesses, traders, and the agricultural sector**, offering a range of retail and corporate banking services.

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### **Key Details About Tamilnad Mercantile Bank (TMB)**
- **Founded:** 1921 (as Nadar Bank, renamed in 1962)
- **Headquarters:** Thoothukudi, Tamil Nadu, India
- **Industry:** Banking & Financial Services
- **Stock Listing:** **NSE & BSE (IPO in 2022)**
- **Total Branches:** 530+ across India
- **Revenue (2023-24):** ₹5,500+ crore (~$660 million)
- **Net Profit (2023-24):** ₹1,000+ crore (~$120 million)

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### **Key Banking Services**

#### **1. Retail Banking**
- Savings & current accounts, fixed deposits (FDs), and personal loans.
- Gold loans, vehicle loans, and home loans.

#### **2. SME & Corporate Banking**
- Business loans, working capital, and trade finance solutions.
- Special focus on **small traders and MSMEs**.

#### **3. Agricultural Banking**
- Loans for farmers, agribusiness, and dairy farming.
- **Kisan Credit Card (KCC)** and agri-friendly schemes.

#### **4. Digital Banking**
- **TMB Mobile Banking App** & Net Banking.
- UPI, FASTag, and instant money transfers.

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### **Key Strengths & Achievements**
✅ **One of the oldest private banks in India (100+ years of legacy).**
✅ Strong rural and semi-urban banking network.
✅ Consistently profitable and well-managed NPA (bad loan) levels.
✅ **Among the best capitalized private banks in India.**
✅ Expanding digital banking services to compete with new-age banks.

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### **Recent Developments (2024)**
📌 **Increased focus on digital transformation** to attract younger customers.
📌 **Expansion of branch network** in North and West India.
📌 **Strengthening of SME and agri-loan portfolio.**

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