XacBank generated net profit after tax of MNT 50.2 billion in Q3 2026, with annualized earnings per share (EPS) of MNT 175.8 and annualized ROE of 20.5%.

Financial highlights:

• The gross loan and financial lease portfolio contracted -0.8% QoQ to MNT 4,850 billion. By segment, retail loans decreased by MNT 32 billion or -1.2% QoQ, and corporate loans fell by MNT 50 billion or -5.3% QoQ, whereas the MSME segment grew by MNT 20 billion or +6.5% QoQ, and the finance lease portfolio increased by MNT 22 billion or +2.5% QoQ.
• The non-performing loan (NPL) ratio remained unchanged QoQ at 2.2% of the total loan portfolio.
• Total current and deposit balances increased +28.4% QoQ to MNT 5,168 billion, supported by a +77.6% QoQ growth in current account balances (to MNT 1,916 billion) and a +10.4% QoQ growth in deposit balances (to MNT 3,251 billion).
• The Board recommended to distribute a dividend of MNT 18.0 per share to shareholders from the net profit of the first half of 2026, which will be disbursed upon approval by the Extraordinary General Meeting of Shareholders.
• As of Q3 2026, XacBank fully satisfied all regulatory prudential ratios set by the Bank of Mongolia, with the Tier 1 Capital adequacy ratio standing at 18.9% (minimum threshold: 12.5%) and the liquidity ratio at 43.3% (minimum threshold: 25.0%).

The financial statements of XacBank JSC for Q3 2026 are available via the links below.

Statement of Financial Position: click HERE.

Statement of Profit or Loss: click HERE.

Financial and operational result: click HERE.