Tamilnad Mercantile Bank (TMB) reported a flat net profit of ₹253 crore in Q4, impacted by higher provisions for employee benefits and non-performing assets (NPAs). Net interest income rose to ₹567 crore, but net interest margin contracted. Gross and net NPAs increased, while provision coverage ratio declined. Despite these challenges, the bank saw growth in its retail, agriculture, and MSME segments. The board recommended a 10% dividend.