Financial information

Financial information

Audited under IFRS (MNT million)
Balance Sheet Indicators 2017.12.31 2018.12.31 2019.12.31 2020.12.31 2021.12.31
Total Assets        5,204,584        6,081,113        6,643,136        7,277,990        7,994,057
Deposits        3,453,920        4,402,648        4,900,642        5,285,675        5,463,543
Borrowed funds           757,897           715,853           916,032        1,202,265        1,509,446
Net Loans        2,318,058        3,183,724        3,306,694        3,031,346        3,339,175
Total  Capital           488,639           605,578           634,505           631,558           658,662
Profitability Indicators
Interest Income           409,220           493,961           577,892           570,132           554,778
Interest Expense         (287,230)         (323,255)         (366,007)         (365,780)         (272,819)
Net Interest Income           121,990           170,706           211,885           204,353           281,959
Net Non-Interest Income               8,087           135,621             81,026             82,543             48,579
Operating Income           130,077           306,327           292,911           286,895           330,538
Operating Expense           (85,583)         (110,093)         (122,006)         (121,015)         (137,140)
Operating Profit             44,494           196,234           170,905           165,881           193,398
Credit and other financial assets’ provisioning and impairment  loss           (36,419)           (94,034)         (146,010)         (143,392)         (140,827)
Decrease in value of properties charged to profit/loss           (20,158)           (26,600)                    –                    –                    –
Pre-Tax Profit           (12,083)             75,600             24,895             22,489             52,571
Taxation               6,930           (22,054)             (8,590)           (12,095)           (26,634)
Post -Tax Profit             (5,153)             53,546             16,305             10,394             25,937
Prudential Ratios
Capital Adequacy Ratio >12% (Before 2019 >14%) 14.4% 15.4% 14.9% 15.5% 15.4%
Tier I ratio >9% (Buffer+1%) 9.5% 12.5% 10.1% 15.1% 15.0%
  Liquidity Ratio >25% (20%) 44.5% 36.6% 32.7% 40.0% 41.1%

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