月度归档： 2024 年 12 月

分类
网上银行

材料准备

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个人:

  1. 护照

企业:

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  2. 申请公函
分类
银行财务会计制度

БАНКНЫ САНХҮҮ БҮРТГЭЛИЙН ТОГТОЛЦОО

Санхүү хариуцсан захирал, түүний харъяа нэгжүүд нь Банкны санхүү, бүртгэлийн үйл ажиллагааг удирдан зохион байгуулдаг ба дараах үйл ажиллагааг хэрэгжүүлдэг:

  1. Банкны санхүүгийн үйл ажиллагааны үндсэн чиглэлийг тодорхойлж, холбогдох хууль тогтоомж, Санхүүгийн тайлагналын олон улсын стандарт (СТОУС)-д нийцүүлсэн нягтлан бодох бүртгэлийн бодлогыг боловсруулах, хэрэгжилтэд хяналт тавих, учирч болзошгүй эрсдэлээс урьдчилан сэргийлэх, бууруулах;
  2. Банкны санхүүгийн тайланг СТОУС-д нийцүүлэн үнэн зөв бэлтгэж, санхүүгийн тайланг хөндлөнгийн аудитын байгууллагаар баталгаажуулж, санхүүгийн мэдээллийн ил тод, нээлттэй байдлыг эрхэмлэн, хэрэглэгчдийг тоон мэдээллээр хангаж ажиллах;
  3. Банкны нэгдсэн төсвийн удирдлагыг үр ашигтайгаар зохион байгуулах, удирдлагын мэдээллийн системийн тасралтгүй байдлыг бүрдүүлж, зөв зоxистой, түргэн шуурxай xэрэгжүүлэх замаар удирдлагыг мэдээллээр хангаж, оновчтой шийдвэр гаргахад дэмжлэг үзүүлэх.

Тээвэр хөгжлийн банк нь санхүүгийн бүртгэл, хяналтын үйл ажиллагаанд Монгол улсын холбогдох хууль, дүрэм, журам, заавруудыг мөрдөн ажилладаг ба банкны дотоод  нягтлан бодох бүртгэлийн багц баримт бичгийг СТОУС-д нийцүүлэн боловсруулж, тэдгээрийг өдөр тутмын үйл ажиллагаанд хэрэгжүүлж байна.

ТЭЭВЭР ХӨГЖЛИЙН БАНКНЫ ДОТООД ХЯНАЛТЫН ТОГТОЛЦОО

Дотоод аудитын газар нь Банкны дотоод хяналтын үйл ажиллагааг хэрэгжүүлэн, Төлөөлөн удирдах зөвлөлд ажлаа тайлагнадаг.

Санхүүгийн бодлого, хяналтын газар:

Банкны нягтлан бодох бүртгэлийн бодлогыг холбогдох стандарт, хууль, журамд нийцүүлэн тодорхойлж, түүний хэрэгжилтийг хангуулах үүрэгтэй. Түүнчлэн нягтлан бодох бүртгэл хөтлөлт, санхүүгийн тайлагналын үнэн зөв байдлыг хангах зорилгоор Банкны үндсэн системийн үйл ажиллагаа, Банкны төв, салбар нэгжийн бүртгэл хөтлөлтөд зайны болон газар дээрх хяналтыг хэрэгжүүлэх, санхүүгийн дотоод хяналтын системийн тасралтгүй, үнэн зөв, найдвартай, үр ашигтай байдлыг хангах, нягтлан бодох бүртгэлийн үйл ажиллагаанд учирч болзошгүй эрсдэлийг бууруулахад чиглэн ажилладаг.

分类
季度财务报告

2023 year III quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents

212,146
1.2 Due from banks and financial institutions

69,464
1.3 Financial investments

47,977
1.4 Loans and advances to customers (net)

622,451
1.4.1     Performing loans

564,519
1.4.2     Non-performing loans

81,232
1.4.3     Deferred loan payment

(173)
1.4.4     Accrued interest receivable

12,368
1.4.5     Loan loss provision

(35,495)
1.5 Derivative financial assets

1,779
1.6 Other financial assets

692
1.7 Other non-financial assets

15,242
1.8 Fixed assets

20,019
1.9 Properties held for sale

14,184
1.10 Intangible assets

12,952
1.11 Total assets

1,016,906
2 LIABILITIES
2.1 Current accounts

77,018
2.2 Savings accounts

468,980
2.3 Due to banks and financial institutions

210,370
2.4 Other funds

34,960
2.5 Derivative financial liabilities

2,516
2.6 Other liabilities

32,496
2.7 Total liabilities

826,340
3 EQUITY
3.1 Share capital

146,474
3.2 Share premium

15,647
3.3 Treasury shares

(7,032)
3.4 Retained earnings

35,419
3.5 Other reserves

58
3.6 Total equity

190,566
4 TOTAL LIABILITIES AND EQUITY

1,016,906

(сая төгрөг)

OFF BALANCE SHEET
Contingencies and commitments (net)

              14,848

INCOME STATEMENT

(MNT million)

1 Interest income       80,756
1.1     From Bank of Mongolia       1,747
1.2     From banks and financial institutions      2,596
1.3     From securities              5,320
1.4     From loans    67,595
1.5     Other interest income             3,498
2 Interest expense            54,282
2.1     Interest expense on current accounts       1,394
2.2     Interest expense on savings accounts         44,869
2.3     Interest expense on borrowed funds     1,693
2.4     Interest expense on securities           913
2.5     Other interest expenses           5,413
3 Net interest income (1-2)         26,474
4 Provision expense         6,044
4.1     Deposits at banks and financial institutions                –
4.2     Securities     –
4.3     Loans          6,044
5 Net income after provision (3-4)     20,430
6 Other income           23,538
6.1 Non-interest income   23,433
6.1.1     Trading income            11,017
6.1.2     Foreign exchange and revaluation income     11,445
6.1.3     Fees and commission income                 926
6.1.4     Other non-interest income  45
6.2 Other income, gain               105
7 Other expenses          39,472
7.1 Non-interest expenses            39,182
7.1.1     Other provision expense         9
7.1.2     Trading expense              8,753
7.1.3     Foreign exchange and revaluation expense            10,727
7.1.4     Fees and commission expense         982
7.1.5     Other operating expenses             18,711
7.2 Other expenses, losses                 290
8 Profit Before Tax (5+6-7)            4,496
9 Income tax expense                   211
10 Net profit for the year (8-9)            4,285
11 Other comprehensive income          –
12 Total comprehensive income for the year (10+11)   4,285

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT PERFORMANCE
Tier 1 capital ratio ≥ 9% 24.3%
Capital adequacy ratio ≥ 12% 24.3%
Liquidity ratio ≥ 25% 29.0%
Foreign currency open position ratio (single currency) < ±15% 1.8%
Foreign currency open position ratio (total) < ±30% 4.5%

 

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)

3.3%
1.1 Bank shareholders

             –

               –

                  –
1.2 Key management personnel

         –

              –

              –
1.3 Other related parties

Loan

       6,353

3.3%
2 Total loans and advances to related parties (less than 20% of total equity)

13.6%
2.1 Bank shareholders

Loan

    100

0.1%
2.2 Key management personnel

Loan

  415

0.2%
2.3 Other related parties

Loan

  25,456

13.4%
分类
季度财务报告

2023 year II quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents           225,711
1.2 Due from banks and financial institutions                  62,780
1.3 Financial investments         37,151
1.4 Loans and advances to customers (net)        583,776
1.4.1     Performing loans                 529,894
1.4.2     Non-performing loans            74,564
1.4.3     Deferred loan payment                    (152)
1.4.4     Accrued interest receivable      13,899
1.4.5     Loan loss provision               (34,429)
1.5 Derivative financial assets             1,197
1.6 Other financial assets                      558
1.7 Other non-financial assets    16,000
1.8 Fixed assets    21,710
1.9 Properties held for sale   14,184
1.10 Intangible assets     12,306
1.11 Total assets        975,373
2 LIABILITIES
2.1 Current accounts          70,651
2.2 Savings accounts              422,334
2.3 Due to banks and financial institutions         233,108
2.4 Other funds         21,290
2.5 Derivative financial liabilities                  662
2.6 Other liabilities       38,155
2.7 Total liabilities    786,200
3 EQUITY
3.1 Share capital         146,474
3.2 Share premium      15,647
3.3 Treasury shares       (7,032)
3.5 Retained earnings           34,026
3.6 Other reserves               58
3.6 Total equity          189,173
4 TOTAL LIABILITIES AND EQUITY           975,373

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)                             12,164

INCOME STATEMENT

(MNT million)

1 Interest income

      54,870

1.1     From Bank of Mongolia

       1,604
1.2     From banks and financial institutions

          1,666
1.3     From securities

        3,806
1.4     From loans

    43,705
1.5     Other interest income

              4,089
2 Interest expense

         36,426

2.1     Interest expense on current accounts

            943
2.2     Interest expense on savings accounts

        28,164
2.3     Interest expense on borrowed funds

       1,027
2.4     Interest expense on securities

             768
2.5     Other interest expenses

    5,524
3 Net interest income (1-2)

         18,444

4 Provision expense

          4,992

4.1     Deposits at banks and financial institutions

    –
4.2     Securities

        –
4.3     Loans

      4,992
5 Net income after provision (3-4)

      13,452

6 Other income

     16,955

6.1 Non-interest income

  16,867

6.1.1      Trading income

   8,252
6.1.2     Foreign exchange and revaluation income

  7,929
6.1.3     Fees and commission income

     641
6.1.4     Other non-interest income

              45
6.2 Other income, gain

        88
7 Other expenses

     27,248

7.1 Non-interest expenses

     27,088

7.1.1     Other provision expense

              230
7.1.2     Trading expense

 7,190
7.1.3     Foreign exchange and revaluation expense

            6,048
7.1.4     Fees and commission expense

         737
7.1.5     Other operating expenses

       12,883
7.2 Other expenses, losses

              160
8 Profit Before Tax (5+6-7)

    3,159

9 Income tax expense

            267
10 Net profit for the year (8-9)

  2,892

11 Other comprehensive income

       –
12 Total comprehensive income for the year (10+11)

         2,892

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT PERFORMANCE
Tier 1 capital ratio ≥ 9% 26.0%
Capital adequacy ratio ≥ 12% 26.0%
Liquidity ratio ≥ 25% 29.8%
Foreign currency open position ratio (single currency) < ±15% 5.2%
Foreign currency open position ratio (total) < ±30% 10.9%

 

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)

3.2%
1.1 Bank shareholders

                     –

     –

0.0%
1.2 Key management personnel

     –

       –

0.0%
1.3 Other related parties

Loan

    6,143

3.2%
2 Total loans and advances to related parties (less than 20% of total equity)

13.9%
2.1 Bank shareholders

Loan

            100

0.1%
2.2 Key management personnel

Loan

        426

0.2%
2.3 Other related parties

Loan

              25,702

13.6%
分类
财务指标 财务信息

Санхүүгийн үзүүлэлт

2023

 2022 2021 2020

2019
Balance sheet (MNT million)
Total assets

 1,213,495

 1,162,001  733,121 360,158

524,421
Deposits from customers

 676,805

  579,764  363,476  96,842

306,001
Loans and advances to customers (Net)

 671,768

  556,701 433,651 216,739

254,428
Retained earnings

41,711

     30,030    20,398 8,993

  3,519
Total equity

 196,899

   186,223  182,641  109,040

 81,653
Income statement (MNT million)
Interest income

 117,843

    85,122 50,815   44,854

 57,525
Interest expense

  (74,556)

 (45,957) (24,882) (25,090)

(39,898)
Net interest income

 43,288

 39,165 25,933 19,765

17,627
Net fees and commission income (expense)

    (407)

            56 (85) (106)

  272
Net trading income

       3,256

 4,038 1,457 2,494

  872
Other income (expense) from other financial
instruments at FVTPL

       1,103

 (1,947) (178)     50

(140)
Other income

          795

    3,536      55    683

     790
Impairment losses on financial instruments

     (8,975)

     (9,300)     (589)   (8,134)

(6,414)
Operating expenses

  (26,950)

 (21,916) (12,747)  (8,613)

 (7,480)
Profit before tax

  12,109

    13,632 13,845 6,140

5,527
Income tax expense

  (1,484)

 (2,944) (2,441)     (665)

(1,130)
Net profit for the year

  10,625

   10,688 11,404 5,474

   4,397
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA (%)
Capital adequacy ratio

22.7%

 26.8% 33.5% 39.7%

27.2%
Liquidity ratio

33.8%

 37.0% 32.9% 28.5%

53.1%
Foreign currency open position ratio (single currency)

-2.9%

 -2.6% -2.4% -9.4%

4.9%
Foreign currency open position ratio (total)

-8.1%

 -3.2% -4.8% -9.4%

-14.2%

 

分类
可持续发展报告

report_test_2024

AFS 2023 TransBank (mon)

分类
季度财务报告

2023 year I quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents       313,498
1.2 Due from banks and financial institutions          75,269
1.3 Financial investments          89,237
1.4 Loans and advances to customers (net)        567,373
1.4.1     Performing loans     508,338
1.4.2     Non-performing loans           76,442
1.4.3     Deferred loan payment        (134)
1.4.4     Accrued interest receivable            14,405
1.4.5     Loan loss provision       (31,678)
1.5 Derivative financial assets    4,412
1.6 Other financial assets      536
1.7 Other non-financial assets        19,452
1.8 Fixed assets        24,351
1.9 Intangible assets             10,401
1.10 Total assets  1,104,529
2 LIABILITIES
2.1 Current accounts       90,942
2.2 Savings accounts                439,542
2.3 Due to banks and financial institutions          339,762
2.4 Other funds              20,703
2.5 Derivative financial liabilities             5,743
2.6 Other liabilities             18,021
2.7 Total liabilities       914,713
3 EQUITY
3.1 Share capital         146,474
3.2 Share premium      15,647
3.3 Treasury shares          (7,032)
3.5 Retained earnings          34,670
3.6 Other reserves                  57
3.6 Total equity                189,816
4 TOTAL LIABILITIES AND EQUITY   1,104,529

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)      9,149

INCOME STATEMENT

1 Interest income   28,666
1.1     From Bank of Mongolia                    1,450
1.2     From banks and financial institutions                 714
1.3     From securities     1,801
1.4     From loans      22,442
1.5     Other interest income   2,259
2 Interest expense             17,630
2.1     Interest expense on current accounts            436
2.2     Interest expense on savings accounts             13,279
2.3     Interest expense on borrowed funds        536
2.4     Interest expense on securities                490
2.5     Other interest expenses       2,889
3 Net interest income (1-2)      11,036
4 Provision expense     2,168
4.1     Deposits at banks and financial institutions               –
4.2     Securities                 –
4.3     Loans        2,168
5 Net income after provision (3-4)         8,868
6 Other income       7,141
6.1 Non-interest income          7,081
6.1.1     Trading income      2,262
6.1.2     Foreign exchange and revaluation income               4,365
6.1.3     Fees and commission income          409
6.1.4     Other non-interest income            45
6.2 Other income, gain                60
7 Other expenses       12,273
7.1 Non-interest expenses       12,242
7.1.1     Other provision expense        158
7.1.2     Trading expense          2,407
7.1.3     Foreign exchange and revaluation expense         3,082
7.1.4     Fees and commission expense                472
7.1.5     Other operating expenses        6,123
7.2 Other expenses, losses           31
8 Profit Before Tax (5+6-7)        3,736
9 Income tax expense       200
10 Net profit for the year (8-9)       3,536
11 Other comprehensive income               –
12 Total comprehensive income for the year (10+11)        3,536

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT PERFORMANCE
Tier 1 capital ratio ≥ 9% 26.7%
Capital adequacy ratio ≥ 12% 26.7%
Liquidity ratio ≥ 25% 37.6%
Foreign currency open position ratio (single currency) < ±15% 4.8%
Foreign currency open position ratio (total) < ±30% 5.2%

 

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)

3.3%
1.1 Bank shareholders

                   –

          –

               –
1.2 Key management personnel

              –

    –

               –
1.3 Other related parties

Loan

   6,315

3.3%
2 Total loans and advances to related parties (less than 20% of total equity)

14.3%
2.1 Bank shareholders

Loan

       100

0.1%
2.2 Key management personnel

Loan

       1,344

0.7%
2.3 Other related parties

Loan

         25,636

13.5%
分类
银行概况

general-introduction_post

general-introduction
分类
商业战略

business-strategy_post

business-strategy_post

分类
reduction-non-quality-assets

reduction-non-quality-assets_post

reduction-non-quality-assets_post