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Mongoloor
In 2025, the Bank’s assets increased by 47% year-on-year to EUR 715 million. IBEC’s capital reached EUR 234 million, while the capital adequacy ratio stood at 37.1%, significantly exceeding the minimum target levels and providing a substantial buffer of financial resilience.
Stable income from the Bank’s core banking activities grew by nearly 75% in 2025 to EUR 18 million. In particular, net fee and commission income more than doubled to EUR 1.7 million, driven by higher operating activity, including in documentary operations.
Net profit for 2025 amounted to EUR 3.0 million. The Bank’s 2025 financial result reflects growth in stable income from core activities in line with the current Strategy, fully offsetting operating expenses.
During the reporting year, IBEC actively expanded its lending and documentary business. The total loan portfolio grew by 37% to EUR 312 million, and the volume of documentary operations increased by approximately 42% to EUR 129 million. As of the end of 2025, the share of projects aligned with the UN Sustainable Development Goals in the total loan-and-documentary portfolio was 59%. Asset quality remains strong: the non-performing loan (NPL) ratio declined to 0.17%. Provision coverage of corporate loans classified as Stage 3 was around 130%, reflecting the Bank’s conservative approach to credit risk management.
Throughout the year, the Bank continued to diversify its funding sources. IBEC successfully placed a bond issue of RUB 6 billion, completed its first placement of digital rights, and received an upgrade of its international-scale credit rating to ‘A-’ with a stable outlook – confirming the confidence of investors and partners in the Bank’s business model and mission.
Nikolay Ivashkovsky, Executive Deputy Chairman of the Board of IBEC, noted:
“2025 was a period of active business growth and the implementation of strategic initiatives for IBEC. The Bank significantly increased the volume of its loan and documentary operations, expanded its product offering and geographic presence, and substantially strengthened its network of partner banks.
Over the year, IBEC consistently developed trade finance and documentary business, supporting projects in healthcare, energy, transport, education, and foreign trade. A significant part of the Bank’s portfolio comprises projects aligned with the UN Sustainable Development Goals, reflecting IBEC’s focus on supporting the development of its member countries across economic, social, and environmental dimensions.
These results provide a solid foundation for further sustainable growth and the implementation of IBEC’s strategic objectives.”
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