Тээвэр хөгжлийн банк

Quarterly financial statements

2026 year III quarter

(MNT million)

STATEMENT OF FINANCIAL POSITION		2025/12/31	2026/09/30
1	ASSETS
1.1	Cash and cash equivalents	443,418	338,209
1.2	Due from banks and financial institutions	169,648	221,948
1.3	Financial investments	54,353	405,285
1.3.1	Investments in subsidiaries and associates	–	–
1.4	Loans and advances to customers (net)	885,930	1,064,386
1.4.1	Performing loans	838,495	1,001,350
1.4.2	Non-performing loans	77,638	90,600
1.4.3	Deferred loan payment	(226)	(389)
1.4.4	Accrued interest receivable	23,529	31,922
1.4.5	Loan loss provision	(53,506)	(59,097)
1.5	Derivative financial assets	438	1,719
1.6	Other financial assets	6,948	957
1.7	Other non-financial assets	29,933	63,953
1.8	Fixed assets	13,886	13,393
1.9	Investment property	–	–
1.10	Properties held for sale	50,916	55,767
1.11	Intangible assets	12,221	11,514
1.12	Total assets	1,667,691	2,177,131
2	LIABILITIES
2.1	Current accounts	185,080	153,461
2.2	Savings accounts	955,654	1,189,011
2.3	Due to banks and financial institutions	209,521	165,833
2.4	Other funds	73,368	419,852
2.5	Other liabilities	17,558	14,078
2.6	Total liabilities	1,441,181	1,942,235
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	79,745
3.6	Other reserves	64	64
3.7	Total equity	226,510	234,896
4	TOTAL LIABILITIES AND EQUITY	1,667,691	2,177,131

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)	32,587	42,080

(MNT million)

INCOME STATEMENT		2025/12/31	2026/09/30
1	Interest income	175,978	194,260
1.1	From Bank of Mongolia	144	39
1.2	From banks and financial institutions	593	430
1.3	From securities	15,101	32,408
1.4	From loans	157,860	161,109
1.5	Other interest income	2,280	274
2	Interest expense	123,102	149,081
2.1	Interest expense on current accounts	2,639	2,171
2.2	Interest expense on savings accounts	106,708	134,263
2.3	Interest expense on borrowed funds	6,521	4,230
2.4	Interest expense on securities	667	4,208
2.5	Other interest expenses	6,567	4,209
3	Net interest income (1-2)	52,876	45,179
4	Provision expense	1,732	5,563
5	Net income after provision (3-4)	51,144	39,616
6	Other income	35,731	33,218
6.1	Non-interest income	35,495	32,586
6.1.1	Trading income	11,761	11,240
6.1.2	Foreign exchange and revaluation income	20,430	18,680
6.1.3	Fees and commission income	2,157	2,666
6.1.4	Other non-interest income	1,147	–
6.2	Other income, gain	236	632
7	Other expenses	62,458	61,311
7.1	Non-interest expenses	61,763	60,347
7.1.1	Other provision expense	1,708	7,821
7.1.2	Trading expense	8,225	5,809
7.1.3	Foreign exchange and revaluation expense	18,108	19,872
7.1.4	Fees and commission expense	1,712	1,479
7.1.5	Other operating expenses	32,010	25,366
7.2	Other expenses, losses	695	964
8	Profit Before Tax (5+6-7)	24,417	11,523
9	Income tax expense	5,495	3,137
10	Net profit for the year (8-9)	18,922	8,386
11	Other comprehensive income	28	–
12	Total comprehensive income for the year (10+11)	18,950	8,386

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA	LIMIT	PERFORMANCE
Tier 1 capital ratio	≥ 9%	18.1%
Capital adequacy ratio	≥ 12%	18.1%
Liquidity ratio	≥ 25%	39.2%
Foreign currency open position ratio (single currency)	< ±15%	4.7%
Foreign currency open position ratio (total)	< ±30%	19.2%

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	4,838	2.1%
2	Total loans and advances to related parties (less than 20% of total equity)
2.1	Bank shareholders	Loan	–	0.0%
2.2	Key management personnel	Loan	314	0.1%
2.3	Other related parties	Loan	6,039	2.1%