Audited under IFRS | (MNT million) | ||||
Balance Sheet Indicators | 2018.12.31 | 2019.12.31 | 2020.12.31 | 2021.12.31 | 2022.12.31 |
Total Assets | 6,081,113 | 6,643,136 | 7,277,990 | 7,994,057 | 8,984,560 |
Customer funds | 4,402,648 | 4,900,642 | 5,285,675 | 5,463,543 | 5,743,298 |
Borrowed funds | 715,853 | 916,032 | 1,202,265 | 1,509,446 | 1,916,312 |
Net Loans | 3,183,724 | 3,306,694 | 3,031,346 | 3,339,175 | 3,697,633 |
Total Capital | 605,578 | 634,505 | 631,558 | 658,662 | 861,906 |
Profitability Indicators | |||||
Interest Income | 493,961 | 577,892 | 570,132 | 554,778 | 609,909 |
Interest Expense | (323,255) | (366,007) | (365,780) | (272,819) | (224,338) |
Net Interest Income | 170,706 | 211,885 | 204,353 | 281,959 | 385,571 |
Net Non-Interest Income | 135,621 | 81,026 | 82,543 | 48,579 | 141,678 |
Operating Income | 306,327 | 292,911 | 286,895 | 330,538 | 527,248 |
Operating Expense | (110,093) | (122,006) | (121,015) | (137,140) | (175,346) |
Operating Profit | 196,234 | 170,905 | 165,881 | 193,398 | 351,903 |
Provision & Valuation expense | (94,034) | (146,010) | (143,392) | (140,827) | (158,105) |
Decrease in value of properties charged to profit/loss | (26,600) | – | – | – | – |
Pre-Tax Profit | 75,600 | 24,895 | 22,489 | 52,571 | 193,798 |
Taxation | (22,054) | (8,590) | (12,095) | (26,634) | (77,296) |
Post -Tax Profit | 53,546 | 16,305 | 10,394 | 25,937 | 116,502 |
Prudential Ratios | |||||
Capital Adequacy Ratio >12% | 15.4% | 14.9% | 15.5% | 15.4% | 17.9% |
Tier I ratio >9% (Buffer+4%) | 12.5% | 10.1% | 15.1% | 15.0% | 17.9% |
Liquidity Ratio >25% (20%) | 36.6% | 32.7% | 40.0% | 41.1% | 35.3% |
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