Тээвэр хөгжлийн банк

Quarterly financial statements

2026 year II quarter

(MNT million)

STATEMENT OF FINANCIAL POSITION		2025/12/31	2026/06/30
1	ASSETS
1.1	Cash and cash equivalents	443,418	367,637
1.2	Due from banks and financial institutions	169,648	217,921
1.3	Financial investments	54,353	463,603
1.3.1	Investments in subsidiaries and associates	–	–
1.4	Loans and advances to customers (net)	885,930	1,011,520
1.4.1	Performing loans	838,495	949,994
1.4.2	Non-performing loans	77,638	85,598
1.4.3	Deferred loan payment	(226)	(343)
1.4.4	Accrued interest receivable	23,529	32,486
1.4.5	Loan loss provision	(53,506)	(56,215)
1.5	Derivative financial assets	438	1,109
1.6	Other financial assets	6,948	1,101
1.7	Other non-financial assets	29,933	50,466
1.8	Fixed assets	13,886	13,888
1.9	Investment property	–	–
1.10	Properties held for sale	50,916	62,341
1.11	Intangible assets	12,221	12,182
1.12	Total assets	1,667,691	2,201,768
2	LIABILITIES
2.1	Current accounts	185,080	107,623
2.2	Savings accounts	955,654	1,205,917
2.3	Due to banks and financial institutions	209,521	156,806
2.4	Other funds	73,368	482,156
2.5	Other liabilities	17,558	17,448
2.6	Total liabilities	1,441,181	1,969,950
3	EQUITY
3.1	Share capital	146,474	146,474
3.2	Share premium	15,645	15,645
3.3	Treasury shares	(7,032)	(7,032)
3.4	Revaluation reserves	–	–
3.5	Retained earnings	71,359	76,667
3.6	Other reserves	64	64
3.7	Total equity	226,510	231,818
4	TOTAL LIABILITIES AND EQUITY	1,667,691	2,201,768

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)	32,587	39,874

(MNT million)

INCOME STATEMENT		2025/12/31	2026/06/30
1	Interest income	175,978	125,666
1.1	From Bank of Mongolia	144	24
1.2	From banks and financial institutions	593	95
1.3	From securities	15,101	23,477
1.4	From loans	157,860	101,875
1.5	Other interest income	2,280	195
2	Interest expense	123,102	98,701
2.1	Interest expense on current accounts	2,639	1,453
2.2	Interest expense on savings accounts	106,708	88,491
2.3	Interest expense on borrowed funds	6,521	3,322
2.4	Interest expense on securities	667	2,689
2.5	Other interest expenses	6,567	2,746
3	Net interest income (1-2)	52,876	26,965
4	Provision expense	1,732	2,688
5	Net income after provision (3-4)	51,144	24,277
6	Other income	35,731	23,708
6.1	Non-interest income	35,495	23,099
6.1.1	Trading income	11,761	7,859
6.1.2	Foreign exchange and revaluation income	20,430	13,335
6.1.3	Fees and commission income	2,157	1,905
6.1.4	Other non-interest income	1,147	–
6.2	Other income, gain	236	609
7	Other expenses	62,458	42,070
7.1	Non-interest expenses	61,763	41,961
7.1.1	Other provision expense	1,708	6,077
7.1.2	Trading expense	8,225	3,726
7.1.3	Foreign exchange and revaluation expense	18,108	14,770
7.1.4	Fees and commission expense	1,712	1,002
7.1.5	Other operating expenses	32,010	16,386
7.2	Other expenses, losses	695	109
8	Profit Before Tax (5+6-7)	24,417	5,915
9	Income tax expense	5,495	608
10	Net profit for the year (8-9)	18,922	5,307
11	Other comprehensive income	28	–
12	Total comprehensive income for the year (10+11)	18,950	5,307

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA	LIMIT	PERFORMANCE
Tier 1 capital ratio	≥ 9%	18.3%
Capital adequacy ratio	≥ 12%	18.3%
Liquidity ratio	≥ 25%	39.8%
Foreign currency open position ratio (single currency)	< ±15%	3.2%
Foreign currency open position ratio (total)	< ±30%	7.2%

LOANS AND ADVANCES TO RELATED PARTIES		CATEGORY OF ASSETS	BALANCE (MNT million)	PERCENT OF TOTAL EQUITY
1	Loans and advances to a related party (less than 5% of total equity)
1.1	Bank shareholders	–	–	–
1.2	Key management personnel	–	–	–
1.3	Other related parties	Loan	5,093	2.2%
2	Total loans and advances to related parties (less than 20% of total equity)
2.1	Bank shareholders	Loan	1	0.0%
2.2	Key management personnel	Loan	398	0.2%
2.3	Other related parties	Loan	9,813	3.8%