Profit and loss statement

at 2022/06/30

Title items June 30, 2022           
           TJS
Interest income261703380
Interest expense(107755588)
Net expenses of loan losses(27361584)

NET INTEREST INCOME

126586208
Net Income on foreign exchange operations 149307802
Fee and commission income 105346000
Fee and commission expense(79965513)
Other income20384442
NET NON-INTEREST INCOME 195072731
TOTAL OPERATING INCOME 321658939
OPERATING EXPENSES (141545683)
PROFIT BEFORE INCOME TAX 180113256
Income tax expense36022651
NET PROFIT144090605


at 2022/03/31

Title items March 31, 2022            
           TJS
Interest income128751650
Interest expense(52325023)
Net expenses of loan losses(12766361)

NET INTEREST INCOME

63660266
Net Income on foreign exchange operations 10609793
Fee and commission income 44361428
Fee and commission expense(16511773)
Other income11873070
NET NON-INTEREST INCOME 50332518
TOTAL OPERATING INCOME 113992784
OPERATING EXPENSES (68098122)
PROFIT BEFORE INCOME TAX 45894662
Income tax expense(9178933)
NET PROFIT36715729


at 2021/12/31

Title items December 31, 2021                        TJS
Interest income441060878
Interest expense(173584670)
Net expenses of loan losses(9734795)

NET INTEREST INCOME

257741413
Net Income on foreign exchange operations 13177129
Fee and commission income145303268
Fee and commission expense(43144883)
Other income62614468
NET NON-INTEREST INCOME 177949982
TOTAL OPERATING INCOME435691395
OPERATING EXPENSES (285086626)
PROFIT BEFORE INCOME TAX 150604769
Income tax expense(34639097)
NET PROFIT115965672


at 2021/09/30

Title items September 30, 2021                        TJS
Interest income318591579
Interest expense(120985088)
Net expenses of loan losses(1155853)

NET INTEREST INCOME


Net Income on foreign exchange operations 7981323
Fee and commission income109258781
Fee and commission expense(28693359)
Other income31545416
NET NON-INTEREST INCOME 120092161
TOTAL OPERATING INCOME316542799
OPERATING EXPENSES (199863380)
PROFIT BEFORE INCOME TAX 116679419
Income tax expense(26836267)
NET PROFIT89843152


at 2021/06/30

Title items June 30, 2021                        TJS
Interest income203755898
Interest expense(73175501)
Net expenses of loan losses7254190

NET INTEREST INCOME

137834587
Net Income on foreign exchange operations 3143264
Fee and commission income 71411865
Fee and commission expense(19983751)
Other income19971064
NET NON-INTEREST INCOME 74542442
TOTAL OPERATING INCOME 212377029
OPERATING EXPENSES (123920899)
PROFIT BEFORE INCOME TAX 88456130
Income tax expense(20344910)
NET PROFIT68111220


at 2021/03/31

Title items March 31, 2021             
           TJS
Interest income93426776
Interest expense(32146960)
Net expenses of loan losses5597725

NET INTEREST INCOME

66877541
Net Income on foreign exchange operations 2766745
Fee and commission income 35240180
Fee and commission expense(11219487)
Other income12822179
NET NON-INTEREST INCOME 39609617
TOTAL OPERATING INCOME 106487158
OPERATING EXPENSES (59819710)
PROFIT BEFORE INCOME TAX 46667448
Income tax expense(10733513)
NET PROFIT35933935


at 2020/12/31

Title items December 31, 2020 
           TJS
Interest income332525137
Interest expense(106492539)
Net expenses of loan losses10952893

NET INTEREST INCOME

236985491
Net Income on foreign exchange operations (1205021)
Fee and commission income 187675371
Fee and commission expense(44723689)
Other income12838586
NET NON-INTEREST INCOME 154585247
TOTAL OPERATING INCOME 391570738
OPERATING EXPENSES (277574993)
PROFIT BEFORE INCOME TAX 113995745
Income tax expense(36771552)
NET PROFIT77224193


at 2020/09/30

Title items September 30, 2020 
           TJS
Interest income243813188
Interest expense(79636360)
Net expenses of loan losses19132038

NET INTEREST INCOME

183308866
Net Income on foreign exchange operations (708597)
Fee and commission income 125202656
Fee and commission expense(27250404)
Other income7223403
NET NON-INTEREST INCOME 104467058
TOTAL OPERATING INCOME 287775924
OPERATING EXPENSES (199381284)
PROFIT BEFORE INCOME TAX 88394640
Income tax expense(20330768)
NET PROFIT68063872


at 2020/06/30

Title items June 30, 2020 
           TJS
Interest income
162802228
Interest expense
(53251994)
Net expenses of loan losses
9644369 

NET INTEREST INCOME

119194603
Net Income on foreign exchange operations 4668954
Fee and commission income 60699990
Fee and commission expense
(14286685)
Other income
3279036
NET NON-INTEREST INCOME 54361295

TOTAL OPERATING INCOME 173555898
OPERATING EXPENSES (139711870)
PROFIT BEFORE INCOME TAX 33844028
Income tax expense
(7784127)  
NET PROFIT
26059901 


at 2020/03/31

Title items March 31, 2020 
           TJS
Interest income
80992216   
Interest expense
(26607791)
Net expenses of loan losses
22131772  

NET INTEREST INCOME

76516197  
Net Income on foreign exchange operations
6185822
Fee and commission income 20847810
Fee and commission expense
(6169485)  
Other income
4196291 
NET NON-INTEREST INCOME
25065438
TOTAL OPERATING INCOME
101581635
OPERATING EXPENSES
(8553288)
PROFIT BEFORE INCOME TAX
16328407
Income tax expense
(3755533)  
NET PROFIT
12572874  


at 2019/12/31

Title items December 31, 2019
           TJS
Interest income
325164518   
Interest expense
(108874687)  
Net expenses of loan losses
4435829  

NET INTEREST INCOME

220725660  
Net Income on foreign exchange operations
42724712
Fee and commission income
82052225
Fee and commission expense
(29058387)  
Other income
24368870 
NET NON-INTEREST INCOME
120087420
TOTAL OPERATING INCOME
340813080
OPERATING EXPENSES
(264255829)
PROFIT BEFORE INCOME TAX
76557251
Income tax expense
(17608168)  
NET PROFIT
58949083  


at 2019/09/30

Title items September 30, 2019
           TJS
Interest income
240534756  
Interest expense
-82231120  
Net expenses of loan losses
13083196  

NET INTEREST INCOME

171386832  
Net Income on foreign exchange operations
31 521 822  
Fee and commission income
56 717 063  
Fee and commission expense
-20894446  
Other income
17046432  
NET NON-INTEREST INCOME
84390871  
TOTAL OPERATING INCOME
255777703 
OPERATING EXPENSES
-182035003  
PROFIT BEFORE INCOME TAX
73742700  
Income tax expense
-16960821  
NET PROFIT
56781879  


at 2019/06/30

Title items June 30, 2019
           TJS
Interest income
160776242
Interest expense
(56 279 996)
Net expenses of loan losses
13234780

NET INTEREST INCOME

117731026
Net Income on foreign exchange operations
20043328
Fee and commission income
33923940
Fee and commission expense
(14 367 812)
Other income
9456677                  
NET NON-INTEREST INCOME
49056133             
TOTAL OPERATING INCOME
166787159              
OPERATING EXPENSES
(119 510 814)
PROFIT BEFORE INCOME TAX
47276345     
Income tax expense
(10 873 560)
NET PROFIT
36402785


at 2019/03/31

Title items March 31, 2019
           TJS
Interest income
 78802336
Interest expense
 (29997537)
Net expenses of loan losses
 (11830486)

NET INTEREST INCOME

 36974313     
Net Income on foreign exchange operations
 9539689              
Fee and commission income
 14435290               
Fee and commission expense
 (6700189)            
Other income
 4530061                 
NET NON-INTEREST INCOME
 21804851               
TOTAL OPERATING INCOME
 58779164              
OPERATING EXPENSES
 (42735484)            
PROFIT BEFORE INCOME TAX
16043680             
Income tax expense
(3690047)              
NET PROFIT
12353633             


at 2018/09/30

Title items sep 30, 2018
         TJS
Interest income
             225284450
Interest expense
             (95693081)
Net expenses of loan losses
               (8599123)

NET INTEREST INCOME

            120992246
Net Income on foreign exchange operations
                36054455
Fee and commission income
                65734597
Fee and commission expense
             (35266446)
Other income
                16369960
NET NON-INTEREST INCOME
              82892566
TOTAL OPERATING INCOME
            203884812
OPERATING EXPENSES
          (154834846)
PROFIT BEFORE INCOME TAX
              49049966
Income tax expense
             (11281492)
NET PROFIT
              37768474


at 2018/06/30

Title items June 30, 2018
          TJS


Interest income
              147478749
Interest expense
             (64906437)
Net expenses of loan losses
             (10854338)

NET INTEREST INCOME

              71717974
Net Income on foreign exchange operations
                22257456
Fee and commission income
                43337791
Fee and commission expense
             (22357847)
Other income
                10911898
NET NON-INTEREST INCOME
               54149298
TOTAL OPERATING INCOME
            125867272
OPERATING EXPENSES
            (99886229)
PROFIT BEFORE INCOME TAX
              25981043
Income tax expense
               (5975639)
NET PROFIT
              20005404


at 2018/03/31

Title items March 31, 2018
           TJS
Interest income
                 70802653
Interest expense
               (33127913)
Net expenses of loan losses
                (5734338)

NET INTEREST INCOME

                31940402
Net Income on foreign exchange operations
                 11311455
Fee and commission income
                 21302265
Fee and commission expense
               (10938155)
Other income
                   7751265
NET NON-INTEREST INCOME
                 29426830
TOTAL OPERATING INCOME
                61367232
OPERATING EXPENSES
              (48347483)
PROFIT BEFORE INCOME TAX
               13019749
Income tax expense
                (2994541)
NET PROFIT
               10025208


at 2017/12/31

Title items December 31, 2017
Interest income
 272 577 375
Interest expense
 (127 760 224)
Net expenses of loan losses
  (34 995 812)

NET INTEREST INCOME

  109 821 339
Net Income on foreign exchange operations
  40 674 512
Fee and commission income
  145 827 971
Fee and commission expense
  (48 972 124)
Other income
  15 954 423
NET NON-INTEREST INCOME
  153 484 782
TOTAL OPERATING INCOME
  263 306 121
OPERATING EXPENSES
  (223 185 095)
PROFIT BEFORE INCOME TAX
  40 121 026
Income tax expense
  (9 227 835)
NET PROFIT
  30 893 191


at 2017/09/30

Title items sep 30, 2017
Interest income 199 879 762
Interest expense (94 757 446)
Net expenses of loan losses (33 727 051)

NET INTEREST INCOME

71 395 265 
Net Income on foreign exchange operations  24 971 778 
Fee and commission income 112 558 799 
Fee and commission expense (38 285 456)
Other income 11 580 527 
NET NON-INTEREST INCOME
110 825 648 
TOTAL OPERATING INCOME 182 220 913
OPERATING EXPENSES (149 243 415)
PROFIT BEFORE INCOME TAX 32 977 498 
Income tax expense (7 584 824)
NET PROFIT 25 392 674 


at 2017/06/30

Title items June 30, 2017
Interest income 132 221 731 
Interest expense (62 175 494)
Net expenses of loan losses (29 209 168)

NET INTEREST INCOME

40 837 069 
Net Income on foreign exchange operations  10 404 653 
Fee and commission income 80 061 056 
Fee and commission expense (27 447 025)
Other income 6 781 046 
NET NON-INTEREST INCOME
 69 799 730 
TOTAL OPERATING INCOME 110 636 799 
OPERATING EXPENSES (93 237 898)
PROFIT BEFORE INCOME TAX 17 398 901 
Income tax expense (4 001 748)
NET PROFIT 13 397 153 


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