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作者: Nasantsatsral B
STATEMENT OF FINANCIAL POSITION
(MNT million)
| 1 | ASSETS | ||
| 1.1 | Cash and cash equivalents | 328,921 | |
| 1.2 | Due from banks and financial institutions | 78,448 | |
| 1.3 | Financial investments | 62,678 | |
| 1.4 | Loans and advances to customers (net) | 671,768 | |
| 1.4.1 | Performing loans | 632,883 | |
| 1.4.2 | Non-performing loans | 62,023 | |
| 1.4.3 | Deferred loan payment | (159) | |
| 1.4.4 | Accrued interest receivable | 15,013 | |
| 1.4.5 | Loan loss provision | (37,992) | |
| 1.5 | Derivative financial assets | 2,443 | |
| 1.6 | Other financial assets | 318 | |
| 1.7 | Other non-financial assets | 10,065 | |
| 1.8 | Fixed assets | 19,603 | |
| 1.9 | Properties held for sale | 26,184 | |
| 1.10 | Intangible assets | 13,067 | |
| 1.11 | Total assets | 1,213,495 | |
| 2 | LIABILITIES | ||
| 2.1 | Current accounts | 92,072 | |
| 2.2 | Savings accounts | 482,662 | |
| 2.3 | Due to banks and financial institutions | 368,298 | |
| 2.4 | Other funds | 47,667 | |
| 2.5 | Derivative financial liabilities | 3,409 | |
| 2.6 | Other liabilities | 22,488 | |
| 2.7 | Total liabilities | 1,016,596 | |
| 3 | EQUITY | ||
| 3.1 | Share capital | 146,474 | |
| 3.2 | Share premium | 15,647 | |
| 3.3 | Treasury shares | (7,032) | |
| 3.4 | Retained earnings | 41,711 | |
| 3.5 | Other reserves | 99 | |
| 3.6 | Total equity | 196,899 | |
| 4 | TOTAL LIABILITIES AND EQUITY | 1,213,495 | |
(MNT million)
| OFF BALANCE SHEET | |||
| Contingencies and commitments (net) | 16,760 | ||
INCOME STATEMENT
(MNT million)
| 1 | Interest income | 117,629 | |
| 1.1 | From Bank of Mongolia | 1,848 | |
| 1.2 | From banks and financial institutions | 3,404 | |
| 1.3 | From securities | 7,766 | |
| 1.4 | From loans | 100,867 | |
| 1.5 | Other interest income | 3,744 | |
| 2 | Interest expense | 74,556 | |
| 2.1 | Interest expense on current accounts | 1,878 | |
| 2.2 | Interest expense on savings accounts | 61,858 | |
| 2.3 | Interest expense on borrowed funds | 2,933 | |
| 2.4 | Interest expense on securities | 1,051 | |
| 2.5 | Other interest expenses | 6,836 | |
| 3 | Net interest income (1-2) | 43,073 | |
| 4 | Provision expense | 8,831 | |
| 4.1 | Deposits at banks and financial institutions | 252 | |
| 4.2 | Securities | 40 | |
| 4.3 | Loans | 8,539 | |
| 5 | Net income after provision (3-4) | 34,242 | |
| 6 | Other income | 31,858 | |
| 6.1 | Non-interest income | 31,115 | |
| 6.1.1 | Trading income | 14,230 | |
| 6.1.2 | Foreign exchange and revaluation income | 15,272 | |
| 6.1.3 | Fees and commission income | 1,307 | |
| 6.1.4 | Other non-interest income | 306 | |
| 6.2 | Other income, gain | 743 | |
| 7 | Other expenses | 53,991 | |
| 7.1 | Non-interest expenses | 53,762 | |
| 7.1.1 | Other provision expense | 381 | |
| 7.1.2 | Trading expense | 10,974 | |
| 7.1.3 | Foreign exchange and revaluation expense | 14,939 | |
| 7.1.4 | Fees and commission expense | 1,499 | |
| 7.1.5 | Other operating expenses | 25,969 | |
| 7.2 | Other expenses, losses | 229 | |
| 8 | Profit Before Tax (5+6-7) | 12,109 | |
| 9 | Income tax expense | 1,484 | |
| 10 | Net profit for the year (8-9) | 10,625 | |
| 11 | Other comprehensive income | 52 | |
| 12 | Total comprehensive income for the year (10+11) | 10,677 | |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio |
≥ 9% |
22.5% |
| Capital adequacy ratio |
≥ 12% |
22.5% |
| Liquidity ratio |
≥ 25% |
33.8% |
| Foreign currency open position ratio (single currency) |
< ±15% |
-2.9% |
| Foreign currency open position ratio (total) |
< ±30% |
-8.1% |
|
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 |
6,351 |
3.2% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) |
12.4% |
||
| 2.1 | Bank shareholders |
Loan |
100 |
0.1% |
| 2.2 | Key management personnel |
Loan |
404 |
0.2% |
| 2.3 | Other related parties |
Loan |
23,907 |
12.1% |
国际汇款到账需1-3个工作日
Тээвэр хөгжлийн банкны Дотоод аудитын газар нь Монгол Улсын Компанийн тухай хууль, Банкны тухай хуулийн дагуу Төлөөлөн удирдах зөвлөлийн дэргэдэх Аудитын хороонд шууд харьяалагдаж, Гүйцэтгэх удирдлагаас хараат бусаар зохион байгуулагдсан байдаг.
Дотоод аудитын үйл ажиллагааг олон улсын Дотоод аудиторуудын институт (The IIA)-аас баталсан Дотоод аудитын олон улсын стандартад нийцүүлэн ажиллаж байна.
Дотоод аудитын үндсэн чиг үүрэг, тайлагналт
Дотоод аудитын газар нь банк болон түүний харилцагчийн хүсэн хүлээж байгаа үр дүнг бий болгож, үйл ажиллагааны үнэ цэнийг нэмэгдүүлэх, сайжруулах зорилгоор банкны дотоод хяналтын тогтолцоо, эрсдэлийн удирдлагын тогтолцоо, засаглалын зарчмуудын хэрэгжилтийг хараат бус, бодит хандлагаар баталгаажуулах, зөвлөх үйл ажиллагааг хэрэгжүүлдэг. Өөрөөр хэлбэл банкны бүх түвшний нэгжийн үйл ажиллагаанд аудит хийж үнэлэлт, дүгнэлт, санал, зөвлөмж өгөх замаар банкны үйл ажиллагаанд дэмжлэг үзүүлэх үндсэн чиг үүрэгтэй ажилладаг.
Аудитын үр дүн, ажлын тайланг Төлөөлөн удирдах зөвлөлийн дэргэдэх Аудитын хороонд тайлагнах, Гүйцэтгэх шатны удирдлагад мэдээлэх зарчмаар ажилладаг.
Санхүү хариуцсан захирал, түүний харъяа нэгжүүд нь Банкны санхүү, бүртгэлийн үйл ажиллагааг удирдан зохион байгуулдаг ба дараах үйл ажиллагааг хэрэгжүүлдэг:
- 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;
- 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;
- 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.
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% |
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% |
|
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% |
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% |
23 дахь жилдээ Монгол Улсын Засгийн газар, МҮХАҮТ-аас зохион байгуулагдаж байгаа Монгол улсын “ТОП-100” аж ахуйн нэгжийн нэгээр Тээвэр хөгжлийн банк дахин тодорч энэхүү нэр хүндтэй шагналаа гардан авлаа.
“ТОП-100” аж ахуйн нэгжийг эрэмбэлэн, алдаршуулахдаа тухайн жилийн орлого, улсын төсөвт оруулсан татвар, нийгмийн даатгал төлсөн ажиллагсдын тоо, ашиг, хөрөнгийн хэмжээ гэсэн үндсэн 5 үзүүлэлтийг чухалчилдаг бөгөөд Сангийн яам, Татварын ерөнхий газар, Гаалийн ерөнхий газар, Нийгмийн даатгалын ерөнхий газар, Улсын бүртгэлийн ерөнхий газар, Үндэсний статистикийн хорооны албан ёсны мэдээ, тайлан, тоон үзүүлэлтэд тулгуурладаг болно.
Тээвэр хөгжлийн банк нь сүүлийн жилүүдэд хувийн банкны үйлчилгээгээ олон улсын жишигт нийцүүлэн үзүүлж байгаа ба бизнесийн тэлэлт, цэвэр ашгийн тогтвортой өсөлтийн үр дүнд Монгол Улсын том татвар төлөгчдийн эгнээнд зүй ёсоор шалгарсаар ирлээ.
Бид харилцагчдынхаа санхүүгийн эрсдэлийг бууруулахад чиглэсэн олон улсын тэргүүн туршлага, орчин үеийн дэвшилтэт технологид суурилсан бүтээгдэхүүн, үйлчилгээг үзүүлэхийн зэрэгцээ картын бие даасан системээ бий болгосон төдийгүй түүгээрээ дамжуулан цэвэр металл хийцлэлтэй, өндөр зэрэглэлийн картын үйлчилгээг нэвтрүүлэн ажиллаж байна.
Түүнчлэн банк нь БНХАУ-ын Бээжин болон Япон улсын Токио хотноо “Төлөөлөгчийн газар”-аа нээж, тухайн орны харилцагчдад Монголын бизнесийн салбар болон банкны бүтээгдэхүүн үйлчилгээг сурталчлах гол цонх болж байна.
Бидэнтэй үргэлж хамт байдаг харилцагч, түншүүдийнхээ хамтын ажиллагаанд талархал илэрхийлье.