- Монгол Улсын иргэн бол:
- Бүтээгдэхүүн, үйлчилгээний хүсэлт;
- Иргэний үнэмлэх;
- Гадаадын иргэн бол:
- Гадаад паспорт /эх хувиар авч үзэх/
- Монгол Улсад оршин суух үнэмлэх
- Бусад шаардлагатай материал
作者： Nasantsatsral B
|
Картын төрөл |
|
• Дебит |
- Жилийн хураамжгүй;
- Өдрийн гүйлгээний лимит өндөр;
- 4 төрлийн валютын данс холбох боломжтой;
- Үнэгүй шуудан хүргэлттэй.
| Картын нөхцөл | Энгийн Виза дебит карт |
| Харилцах дансны валют | Төгрөг, Доллар, Юань, Евро |
| Элсэлтийн хураамж | 35,000 төгрөг |
| Картын хугацаа | 3 жил |
| Яаралтай карт гаргах хураамж | 5,000 төгрөг |
| Бусад банкны АТМ-с бэлэн зарлага гаргах | 500 төгрөг буюу түүнтэй тэнцэх валют |
| Бусад банкны АТМ-р үлдэгдэл шалгах | 100 төгрөг буюу түүнтэй тэнцэх валют |
| Дотоодын банкаар картын үлдэгдэл шалгах | |
| Пин код өөрчлөх /Банк, пин пад/ | 1,000 төгрөг буюу түүнтэй тэнцэх валют |
| Интернэт пин код авах, өөрчлөх /Банк/ | Шимтгэлгүй |
| Дахин захиалгын хураамж | 20,000 төгрөг |
| Нэг өдөрт хийх бэлэн зарлагын лимит | 10,000,000 төгрөг буюу түүнтэй тэнцэх валют |
| Нэг өдөрт хийх худалдан авалтын лимит | 50,000,000 төгрөг буюу түүнтэй тэнцэх валют |
| Харилцах дансны доод үлдэгдэл | 5,000 төгрөг/ 10 ам.доллар/ 10 евро / 50 юань |
- Монгол Улсын иргэн бол:
- Бүтээгдэхүүн, үйлчилгээний хүсэлт;
- Иргэний үнэмлэх;
- Гадаадын иргэн бол:
- Гадаад паспорт /эх хувиар авч үзэх/
- Монгол Улсад оршин суух үнэмлэх
AFS 2022 TransBank (mon)
AFS 2021 TransBank (mon)
分类
|
Key performance indicators for evaluating the NPL reduction target |
Strategy |
NPL Reduction Plan |
As of Reporting Date /2025.12.31/ |
||||
|
Short Term |
Medium term (2-4 year) |
Long-term |
|||||
|
2025.12.31 |
2027.12.31 | 2029.12.31 | TARGET | ACTUAL |
PERFORMANCE % |
||
|
Total loan portfolio |
678,901.0 |
1,007,500.0 | 1,219,075.0 | 1,475,080.8 | 1,007,500.0 | 916,133.3 |
90.9% |
|
Non performing loan (NPL) portfolio |
59,125.0 |
75,562.5 | 85,335.3 | 95,880.3 | 75,562.5 | 77,638.3 |
102.7% |
|
NPL Ratio (%) |
8.7% |
7.5% | 7.0% | 6.5% | 7.5% | 8.5% |
113.0% |
|
Total loan loss provisions |
51,383.7 |
62,716.9 | 70,828.3 | 79,580.6 | 62,716.9 | 53,505.6 |
85.3% |
|
Non-loan non performing assets |
523.9 |
513.0 | 400.0 | 100.0 | 513.0 | 545.9 |
106.4% |
|
Provisions for Non-loan non performing assets |
523.9 |
513.0 | 400.0 | 100.0 | 513.0 | 545.9 |
106.4% |
|
Restructured assets ratio |
3.5% |
5.0% | 6.0% | 6.0% | 5.0% | 6.0% |
120.0% |
STATEMENT OF FINANCIAL POSITION
(MNT million)
| 1 | ASSETS | ||
| 1.1 | Cash and cash equivalents |
217,295 |
|
| 1.2 | Due from banks and financial institutions |
72,350 |
|
| 1.3 | Financial investments |
72,145 |
|
| 1.4 | Loans and advances to customers (net) |
680,793 |
|
| 1.4.1 | Performing loans |
647,070 |
|
| 1.4.2 | Non-performing loans |
58,622 |
|
| 1.4.3 | Deferred loan payment |
(159) |
|
| 1.4.4 | Accrued interest receivable |
15,776 |
|
| 1.4.5 | Loan loss provision |
(40,516) |
|
| 1.5 | Derivative financial assets |
2,325 |
|
| 1.6 | Other financial assets |
569 |
|
| 1.7 | Other non-financial assets |
15,204 |
|
| 1.8 | Fixed assets |
19,142 |
|
| 1.9 | Properties held for sale |
26,184 |
|
| 1.10 | Intangible assets |
13,215 |
|
| 1.11 | Total assets |
1,119,222 |
|
| 2 | LIABILITIES | ||
| 2.1 | Current accounts |
82,796 |
|
| 2.2 | Savings accounts |
491,964 |
|
| 2.3 | Due to banks and financial institutions |
234,434 |
|
| 2.4 | Other funds |
78,281 |
|
| 2.5 | Derivative financial liabilities |
3,354 |
|
| 2.6 | Other liabilities |
25,835 |
|
| 2.7 | Total liabilities |
916,664 |
|
| 3 | EQUITY | ||
| 3.1 | Share capital |
146,474 |
|
| 3.2 | Share premium |
15,647 |
|
| 3.3 | Treasury shares |
(7,032) |
|
| 3.4 | Retained earnings |
47,370 |
|
| 3.5 | Other reserves |
99 |
|
| 3.6 | Total equity |
202,558 |
|
| 4 | TOTAL LIABILITIES AND EQUITY |
1,119,222 |
|
(MNT million)
| OFF BALANCE SHEET | |||
| Contingencies and commitments (net) | 16,091 | ||
INCOME STATEMENT
(MNT million)
| 1 | Interest income | 35,199 | |
| 1.1 | From Bank of Mongolia | 56 | |
| 1.2 | From banks and financial institutions | 337 | |
| 1.3 | From securities | 3,017 | |
| 1.4 | From loans | 31,254 | |
| 1.5 | Other interest income | 535 | |
| 2 | Interest expense | 21,417 | |
| 2.1 | Interest expense on current accounts | 558 | |
| 2.2 | Interest expense on savings accounts | 17,808 | |
| 2.3 | Interest expense on borrowed funds | 1,515 | |
| 2.4 | Interest expense on securities | 201 | |
| 2.5 | Other interest expenses | 1,335 | |
| 3 | Net interest income (1-2) | 13,782 | |
| 4 | Provision expense | 2,626 | |
| 4.1 | Deposits at banks and financial institutions | – | |
| 4.2 | Securities | – | |
| 4.3 | Loans | 2,626 | |
| 5 | Net income after provision (3-4) | 11,156 | |
| 6 | Other income | 8,057 | |
| 6.1 | Non-interest income | 7,973 | |
| 6.1.1 | Trading income | 1,912 | |
| 6.1.2 | Foreign exchange and revaluation income | 5,598 | |
| 6.1.3 | Fees and commission income | 379 | |
| 6.1.4 | Other non-interest income | 84 | |
| 6.2 | Other income, gain | 84 | |
| 7 | Other expenses | 13,004 | |
| 7.1 | Non-interest expenses | 12,896 | |
| 7.1.1 | Other provision expense | – | |
| 7.1.2 | Trading expense | 1,390 | |
| 7.1.3 | Foreign exchange and revaluation expense | 4,963 | |
| 7.1.4 | Fees and commission expense | 305 | |
| 7.1.5 | Other operating expenses | 6,238 | |
| 7.2 | Other expenses, losses | 108 | |
| 8 | Profit Before Tax (5+6-7) | 6,209 | |
| 9 | Income tax expense | 549 | |
| 10 | Net profit for the year (8-9) | 5,660 | |
| 11 | Other comprehensive income | – | |
| 12 | Total comprehensive income for the year (10+11) | 5,660 | |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio |
≥ 9% |
23.0% |
| Capital adequacy ratio |
≥ 12% |
23.0% |
| Liquidity ratio |
≥ 25% |
30.1% |
| Foreign currency open position ratio (single currency) |
< ±15% |
-4.9% |
| Foreign currency open position ratio (total) |
< ±30% |
-12.7% |
| 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) | 3.3% | ||
| 1.1 | Bank shareholders | – | – | 0.0% |
| 1.2 | Key management personnel | – | – | 0.0% |
| 1.3 | Other related parties | Loan | 6,666 | 3.3% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) | 12.0% | ||
| 2.1 | Bank shareholders | Loan | 100 | 0.0% |
| 2.2 | Key management personnel | Loan | 544 | 0.3% |
| 2.3 | Other related parties | Loan | 23,856 | 11.7% |
关于打击洗钱和恐怖融资的政策与监管
交通发展银行严格遵守有关反洗钱和反恐怖融资（AML/CFT）的法律法规，以及国际和国内监管机构发布的各项规则、指引和标准，并将其全面落实到实际业务中。
银行依据相关法律法规制定并实施了内部反洗钱与反恐融资控制方案，其中明确了客户身份识别程序、客户、产品与服务、国家风险评估、国际制裁措施的执行，以及代理行（往来行）业务管理等方面的制度与流程。
在履行客户尽职调查（CDD）义务时，银行严格按照AML/CFT法律法规要求，确保核验客户信息、付款凭证、合同、发票及其他相关资料的完整性与一致性，并在核实无误的基础上向客户提供服务。
此外，银行在开展客户尽职调查过程中，还会依据客户的正式文件及可信来源的信息，重点核实以下内容：
- 与本行建立业务关系的目的；
- 最终受益所有人（UBO）、股权结构及管理层信息；
- 客户所从事的业务及经营活动是否与其资金、收入来源及交易目的相匹配。
在与海外银行及金融机构建立或开展合作关系时，我行遵循国际“Wolfsberg Group”发布的指引，使用金融机构尽调标准问卷“CBDDQ”，并符合美国《爱国者法案（US Patriot Act）》及《FATCA法案（US FATCA）》等相关法律法规的要求。
Wolfsberg CBDDQ:
请点击此处查看交通发展银行填写的 Wolfsberg CBDDQ 标准尽调问卷的回复内容。
US Patriot Act:
请点击此处查看交通发展银行遵循美国《爱国者法案》（US Patriot Act）对美国银行及金融机构的往来账户和代理行关系所需遵循的 Global USA Patriot Act 合规认证。
US FATCA status:
与国际银行及金融机构相同，交通发展银行根据美国联邦法律《美国海外账户纳税合规法案》（US FATCA）的要求，向美国国税局（IRS）履行关于美国公民和美国实体境外账户信息的申报义务。
请点击此处查看交通发展银行的 FATCA GIIN 及相关注册信息。