{"schema":"liquilens.bank-specialisation.v1","slug":"tamilnad-mercantile-bank","name":"Tamilnad Mercantile Bank","sector":"bank","as_of":"2026-11-15","status":"observed","scope":"research","score_authority":false,"can_authorize_credit":false,"exclusions":[],"historical_evidence":{"status":"PERIOD_END_PROXY_CONSTRUCTION_PIT","validated_backtest_eligible":false,"real_money_eligible":false,"bitemporal_input_contract":false,"filing_lag_days":60,"availability_time_basis":"explicit publication clock when present; otherwise period_end + 60 days","lead_times_optimistic":true,"reason":"the committed crisis dossiers do not preserve a complete public-availability/revision archive; a conservative filing lag prevents quarter-end lookahead but cannot reconstruct overwritten amendments"},"period_end":"2026-09-30","quarter":"Q2FY27","available_at":"2026-11-10T09:23:50.407819Z","retrieved_at":"2026-11-10T07:52:05Z","publication_date":"2026-10-27","age_days":46,"freshness_limit_days":183,"sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing","issuer's own published filing","issuer's own published filing"],"metrics":{"gnpa_pct":{"label":"Gross NPA / gross advances","value":0.61,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"nnpa_pct":{"label":"Net NPA / net advances","value":0.14,"unit":"percent","status":"observed","basis":"Definition as stated in the issuer's filing for this period."},"crar_pct":{"label":"Capital adequacy","value":32.39,"unit":"percent","status":"observed","basis":"Basel III Pillar 3 disclosures September 2026. 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Served id advances carries this balance sheet (net) line; gross advances are under gross_advances."},"gross_loan_portfolio":{"label":"Gross loan portfolio","value":null,"unit":"INR_crore","status":"not_disclosed","basis":null}},"provisional_update":{"status":"unavailable","reason":"No newer provisional business update accepted by this evidence cutoff"},"source_documents":[{"url":"issuer's own published filing","sha256":"bffa6c6b9f1a88087338ae0f7164eb11e7aec87f7b5b97faedeec05f2f6c6d60"},{"url":"issuer's own published filing","sha256":"95b9b5567cb8228716eb3eb58e25b790bdc4c72417f75b41269ef8724105667c"},{"url":"issuer's own published filing","sha256":"c283ab0bb68c60db0896337e7ed8142381313f22e06a228c44d4720bc66b73fd"},{"url":"issuer's own published filing","sha256":"0d52d45e6bc05cc84571afa2a411b85de0f797d648ab69145fe1d7cfe12fbe02"},{"url":"issuer's own published filing","sha256":"b0c3a11d45c72050b9baa01604f1a73ee98636f858a87f338a82d142f292fe21"}],"changes":{"quarter":{"status":"observed","from_period":"2026-06-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-0.08,"nnpa_pct":-0.03,"crar_pct":null},"sources":["issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T09:23:50.407819Z"},"year":{"status":"observed","from_period":"2025-09-30","to_period":"2026-09-30","unit":"percentage_points","changes":{"gnpa_pct":-0.4,"nnpa_pct":-0.12,"crar_pct":1.43},"sources":["issuer's own published filing","issuer's own published filing","issuer's own published filing"],"available_at":"2026-11-10T09:23:50.407819Z"}},"default_event":null,"interpretation_limits":["A falling NPA percentage does not identify recoveries; loan growth, write-offs and sales can also change it.","GNPA and NNPA use different denominators. Their ratio or difference is not provision coverage.","A zero reported NNPA is not proof of zero credit risk or full deposit safety.","Institution type is the dossier's reporting classification; licence transitions require separate verification."],"next_disclosures":["Sector and borrower concentration","Capital buffers and actual supervisory directions","Deposit concentration and maturity","Slippages, recoveries and write-offs"],"comparability_notes":[],"earlier_period_metrics":{"top20_depositors_pct":{"label":"Twenty largest depositors / deposits","value":11.12,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Annual Report 2025-26, audited notes forming part of accounts.","sources":["issuer's own published filing","issuer's own published filing"]},"top20_npa_pct":{"label":"Twenty largest NPA exposures / gross NPAs","value":71.73,"unit":"percent","period_end":"2026-03-31","quarter":"FY26","basis":"Annual Report 2025-26, audited notes forming part of accounts. 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Send the key as 'Authorization: Bearer <key>'."}}