2026 year I quarter

(MNT million)

STATEMENT OF FINANCIAL POSITION		2026/03/31
1	ASSETS
1.1	Cash and cash equivalents	514,052
1.2	Due from banks and financial institutions	204,964
1.3	Financial investments	466,998
1.4	Loans and advances to customers (net)	932,147
1.4.1	Performing loans	866,663
1.4.2	Non-performing loans	87,719
1.4.3	Deferred loan payment	(251)
1.4.4	Accrued interest receivable	28,923
1.4.5	Loan loss provision	(50,907)
1.5	Derivative financial assets	1,353
1.6	Other financial assets	6,388
1.7	Other non-financial assets	53,321
1.8	Fixed assets	14,987
1.9	Properties held for sale	70,776
1.10	Intangible assets	11,811
1.11	Total assets	2,276,797
2	LIABILITIES
2.1	Current accounts	140,223
2.2	Savings accounts	1,155,823
2.3	Due to banks and financial instituitions	228,853
2.4	Other funds	485,081
2.5	Derivative financial liabilities	1,510
2.6	Other liabilities	35,277
2.7	Total liabilities	2,046,767
3	EQUITY
3.1	Share capital	146,474
3.2	Share premium	15,645
3.3	Treasury shares	(7,032)
3.4	Retained earnings	74,879
3.5	Other reserves	64
3.6	Total equity	230,030
4	TOTAL LIABILITIES AND EQUITY	2,276,797

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)	35,757

(MNT million)

INCOME STATEMENT		2026/03/31
1	Interest income	55,508
1.1	From Bank of Mongolia	14
1.2	From banks and financial institutions	51
1.3	From securities	11,542
1.4	From loans	43,856
1.5	Other interest income	45
2	Interest expense	47,181
2.1	Interest expense on current accounts	843
2.2	Interest expense on savings accounts	41,685
2.3	Interest expense on borrowed funds	1,901
2.4	Interest expense on securities	1,379
2.5	Other interest expenses	1,373
3	Net interest income (1-2)	8,327
4	Provision expense	–
4.1	Deposits at banks and financial institutions	–
4.2	Securities	–
4.3	Loans	–
5	Net income after provision (3-4)	8,327
6	Other income	17,331
6.1	Non-interest income	17,326
6.1.1	Trading income	4,303
6.1.2	Foreign exchange and revaluation income	9,793
6.1.3	Fees and commission income	521
6.1.4	Other non-interest income	2,709
6.2	Other income, gain	5
7	Other expenses	21,735
7.1	Non-interest expenses	21,710
7.1.1	Other provision expense	22
7.1.2	Trading expense	1,793
7.1.3	Foreign exchange and revaluation expense	10,893
7.1.4	Fees and commission expense	599
7.1.5	Other operating expenses	8,403
7.2	Other expenses, losses	25
8	Profit Before Tax (5+6-7)	3,923
9	Income tax expense	403
10	Net profit for the year (8-9)	3,520
11	Other comprehensive income	–
12	Total comprehensive income for the year (10+11)	3,520

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA	LIMIT	PERFORMANCE
Tier 1 capital ratio	≥ 9%	18.8%
Capital adequacy ratio	≥ 12%	18.8%
Liquidity ratio	≥ 25%	45.3%
Foreign currency open position ratio (single currency)	< ±15%	-5.6%
Foreign currency open position ratio (total)	< ±30%	-9.7%

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)			2.1%
1.1	Bank shareholders	–	–	–
1.2	Key management personnel	–	–	–
1.3	Other related parties	Loan	4,782	2.1%
2	Total loans and advances to related parties (less than 20% of total equity)			3.8%
2.1	Bank shareholders	Loan	101	0.0%
2.2	Key management personnel	Loan	467	0.2%
2.3	Other related parties	Loan	9,287	3.6%