(MNT million)
|
STATEMENT OF FINANCIAL POSITION |
31/12/2025 |
|
|
1 |
ASSETS |
|
|
1.1 |
Cash and cash equivalents |
443,418 |
|
1.2 |
Due from banks and financial institutions |
169,557 |
|
1.3 |
Financial investments |
54,299 |
|
1.4 |
Loans and advances to customers (net) |
885,930 |
|
1.4.1 |
Performing loans |
838,495 |
|
1.4.2 |
Non-performing loans |
77,638 |
|
1.4.3 |
Deferred loan payment |
(226) |
|
1.4.4 |
Accrued interest receivable |
23,529 |
|
1.4.5 |
Loan loss provision |
(53,506) |
|
1.5 |
Derivative financial assets |
438 |
|
1.6 |
Other financial assets |
1,045 |
|
1.7 |
Other non-financial assets |
35,835 |
|
1.8 |
Fixed assets |
13,886 |
|
1.9 |
Properties held for sale |
50,277 |
|
1.1 |
Intangible assets |
12,221 |
|
1.11 |
Total assets |
1,666,906 |
|
2 |
LIABILITIES |
|
|
2.1 |
Current accounts |
185,080 |
|
2.2 |
Savings accounts |
995,654 |
|
2.3 |
Due to banks and financial instituitions |
209,521 |
|
2.4 |
Other funds |
73,368 |
|
2.5 |
Derivative financial liabilities |
1,419 |
|
2.6 |
Other liabilities |
16,091 |
|
2.7 |
Total liabilities |
1,441,133 |
|
3 |
EQUITY |
|
|
3.1 |
Share capital |
146,474 |
|
3.2 |
Share premium |
15,654 |
|
3.3 |
Treasury shares |
(7,032) |
|
3.4 |
Retained earnings |
70,612 |
|
3.5 |
Other reserves |
74 |
|
3.6 |
Total equity |
225,773 |
|
4 |
TOTAL LIABILITIES AND EQUITY |
1,666,906 |
|
OFF BALANCE SHEET |
|
|
Contingencies and commitments (net) |
32,587 |
(MNT million)
|
INCOME STATEMENT |
31/12/2025 |
|
|
1 |
Interest income |
175,978 |
|
1.1 |
From Bank of Mongolia |
144 |
|
1.2 |
From banks and financial institutions |
593 |
|
1.3 |
From securities |
15,101 |
|
1.4 |
From loans |
157,860 |
|
1.5 |
Other interest income |
2,280 |
|
2 |
Interest expense |
123,007 |
|
2.1 |
Interest expense on current accounts |
2,639 |
|
2.2 |
Interest expense on savings accounts |
106,708 |
|
2.3 |
Interest expense on borrowed funds |
6,521 |
|
2.4 |
Interest expense on securities |
667 |
|
2.5 |
Other interest expenses |
6,472 |
|
3 |
Net interest income (1-2) |
52,971 |
|
4 |
Provision expense |
1,869 |
|
4.1 |
Deposits at banks and financial institutions |
366 |
|
4.2 |
Securities |
192 |
|
4.3 |
Loans |
1,311 |
|
5 |
Net income after provision (3-4) |
51,102 |
|
6 |
Other income |
34,568 |
|
6.1 |
Non-interest income |
34,332 |
|
6.1.1 |
Trading income |
11,761 |
|
6.1.2 |
Foreign exchange and revaluation income |
20,407 |
|
6.1.3 |
Fees and commission income |
2,157 |
|
6.1.4 |
Other non-interest income |
7 |
|
6.2 |
Other income, gain |
236 |
|
7 |
Other expenses |
61,890 |
|
7.1 |
Non-interest expenses |
61,195 |
|
7.1.1 |
Other provision expense |
1,200 |
|
7.1.2 |
Trading expense |
8,225 |
|
7.1.3 |
Foreign exchange and revaluation expense |
17,954 |
|
7.1.4 |
Fees and commission expense |
1,806 |
|
7.1.5 |
Other operating expenses |
32,010 |
|
7.2 |
Other expenses, losses |
695 |
|
8 |
Profit Before Tax (5+6-7) |
23,780 |
|
9 |
Income tax expense |
5,449 |
|
10 |
Net profit for the year (8-9) |
18,331 |
|
11 |
Other comprehensive income |
36 |
|
12 |
Total comprehensive income for the year (10+11) |
18,367 |
|
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
LIMIT |
PERFORMANCE |
|
Tier 1 capital ratio |
≥ 9% |
19.9% |
|
Capital adequacy ratio |
≥ 12% |
19.9% |
|
Liquidity ratio |
≥ 25% |
44.9% |
|
Foreign currency open position ratio (single currency) |
< ±15% |
-3.9% |
|
Foreign currency open position ratio (total) |
< ±30% |
-14.2% |
|
LOANS AND ADVANCES TO RELATED PARTIES |
CATEGORY OF ASSETS |
BALANCE |
PERCENT OF TOTAL EQUITY |
|
|
1 |
Loans and advances to a related party (less than 5% of total equity) |
2.9% |
||
|
1.1 |
Bank shareholders |
– |
– |
– |
|
1.2 |
Key management personnel |
– |
– |
– |
|
1.3 |
Other related parties |
Loan |
6,632 |
2.9% |
|
2 |
Total loans and advances to related parties (less than 20% of total equity) |
4.7% |
||
|
2.1 |
Bank shareholders |
Loan |
100 |
0.0% |
|
2.2 |
Key management personnel |
Loan |
814 |
0.4% |
|
2.3 |
Other related parties |
Loan |
10,705 |
4.3% |
