交通開発銀行の業務範囲を拡大し、市場占有を拡大するという主な目標の枠内で、国際銀行、コルレス銀行関係の強化、モンゴルの経済・市場の優位性の促進など、様々な活動に取り組んでいます。その一環として、日本の金融庁（2022年12月9日）およびモンゴル銀行（2023年1月25日）の認可を受け、両国の関連法に基づき、東京に駐在員事務所を開設しました。
作者： Nasantsatsral B
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Contact |
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| Name of Representative Office: | Tokyo Representative Office |
| Address: | 〒100-0004 東京都千代田区大手町１－５ －１ 大手 町ファーストスクエア イースト\タワー４F |
| Telephone number: | 03-5219-1440 |
| Chief Representative: | Hajime Uchida |
| E-mail address: | Tokyo.office@transbank.mn |
| Website: | www.transbank.jp |
STATEMENT OF FINANCIAL POSITION
(MNT million)
| 1 | ASSETS | |
| 1.1 | Cash and cash equivalents |
196,477 |
| 1.2 | Due from banks and financial institutions |
70,253 |
| 1.3 | Financial investments |
125,530 |
| 1.4 | Loans and advances to customers (net) |
636,839 |
| 1.4.1 | Performing loans |
619,776 |
| 1.4.2 | Non-performing loans |
59,125 |
| 1.4.3 | Deferred loan payment |
(103) |
| 1.4.4 | Accrued interest receivable |
9,425 |
| 1.4.5 | Loan loss provision |
(51,384) |
| 1.5 | Derivative financial assets |
909 |
| 1.6 | Other financial assets |
559 |
| 1.7 | Other non-financial assets |
33,092 |
| 1.8 | Fixed assets |
16,531 |
| 1.9 | Properties held for sale |
17,749 |
| 1.1 | Intangible assets |
12,927 |
| 1.11 | Total assets |
1,110,866 |
| 2 | LIABILITIES | |
| 2.1 | Current accounts |
69,976 |
| 2.2 | Savings accounts |
505,198 |
| 2.3 | Due to banks and financial institutions |
177,796 |
| 2.4 | Other funds |
131,114 |
| 2.5 | Derivative financial liabilities |
2,109 |
| 2.6 | Other liabilities |
16,113 |
| 2.7 | Total liabilities |
902,306 |
| 3 | EQUITY | |
| 3.1 | Share capital |
146,474 |
| 3.2 | Share premium |
15,647 |
| 3.3 | Treasury shares |
(7,032) |
| 3.4 | Retained earnings |
53,434 |
| 3.5 | Other reserves |
37 |
| 3.6 | Total equity |
208,560 |
| 4 | TOTAL LIABILITIES AND EQUITY |
1,110,866 |
(MNT million)
| OFF BALANCE SHEET | |
| Contingencies and commitments (net) |
13,808 |
INCOME STATEMENT
(MNT million)
| 1 | Interest income |
135,108 |
| 1.1 | From Bank of Mongolia |
232 |
| 1.2 | From banks and financial institutions |
873 |
| 1.3 | From securities |
7,815 |
| 1.4 | From loans |
124,115 |
| 1.5 | Other interest income |
2,073 |
| 2 | Interest expense |
86,845 |
| 2.1 | Interest expense on current accounts |
1,335 |
| 2.2 | Interest expense on savings accounts |
59,729 |
| 2.3 | Interest expense on borrowed funds |
20,195 |
| 2.4 | Interest expense on securities |
404 |
| 2.5 | Other interest expenses |
5,182 |
| 3 | Net interest income (1-2) |
48,263 |
| 4 | Provision expense |
13,429 |
| 4.1 | Deposits at banks and financial institutions |
23 |
| 4.2 | Securities |
– |
| 4.3 | Loans |
13,406 |
| 5 | Net income after provision (3-4) |
34,834 |
| 6 | Other income |
27,824 |
| 6.1 | Non-interest income |
27,577 |
| 6.1.1 | Trading income |
11,201 |
| 6.1.2 | Foreign exchange and revaluation income |
13,346 |
| 6.1.3 | Fees and commission income |
1,567 |
| 6.1.4 | Other non-interest income |
1,463 |
| 6.2 | Other income, gain |
247 |
| 7 | Other expenses |
48,146 |
| 7.1 | Non-interest expenses |
46,977 |
| 7.1.1 | Other provision expense |
1,947 |
| 7.1.2 | Trading expense |
4,178 |
| 7.1.3 | Foreign exchange and revaluation expense |
12,751 |
| 7.1.4 | Fees and commission expense |
1,619 |
| 7.1.5 | Other operating expenses |
26,482 |
| 7.2 | Other expenses, losses |
1,169 |
| 8 | Profit Before Tax (5+6-7) |
14,512 |
| 9 | Income tax expense |
2,842 |
| 10 | Net profit for the year (8-9) |
11,670 |
| 11 | Other comprehensive income |
(62) |
| 12 | Total comprehensive income for the year (10+11) |
11,608 |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio |
≥ 9% |
25.2% |
| Capital adequacy ratio |
≥ 12% |
25.2% |
| Liquidity ratio |
≥ 25% |
31.8% |
| Foreign currency open position ratio (single currency) |
< ±15% |
8.2% |
| Foreign currency open position ratio (total) |
< ±30% |
12.3% |
| 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) |
2.9% |
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| 1.1 | Bank shareholders |
– |
– |
– |
| 1.2 | Key management personnel |
– |
– |
– |
| 1.3 | Other related parties |
Loan |
6,057 |
2.9% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) |
10.6% |
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| 2.1 | Bank shareholders |
Loan |
100 |
0.0% |
| 2.2 | Key management personnel |
Loan |
1,090 |
0.5% |
| 2.3 | Other related parties |
Loan |
20,939 |
10.0% |
Smishing (SMS + Phishing): Энэ нь хуурамч мессеж (SMS)-ээр дамжуулан хүмүүсийн хувийн болон санхүүгийн мэдээллийг хулгайлах оролдлого юм.
Mishing (Mobile + Phishing): Энэ нь гар утасны дуудлагаар дамжуулан хуурамч мэдээлэл өгч, хүмүүсийг хуурч мэдээлэл авах арга юм.
Сүүлийн үед дараах агуулгатай хуурамч мессежээр дамжуулан хувийн болон санхүүгийн мэдээллийг хууль бусаар авах оролдлого нэмэгдэж байна.
- “Таны интернэт банкны нууц үг түгжигдсэн тул нууц үгээ шинэчилнэ үү.” (Мессежнээс гараад холбоосыг идэвхжүүлэхийн тулд дахин нээнэ үү. Эсвэл холбоосыг Safari хөтөч дээрээ хуулж аваад нээнэ үү.)”
- “Таны дансанд сэжигтэй гүйлгээ илэрсэн тул та дараах холбоосоор баталгаажуулна уу.” : https://transbankmnonga.mn. (хуурамч сайт руу чиглүүлэх)
Эдгээр мессеж нь таны санхүүгийн болон хувийн мэдээллийг хууль бусаар ашиглах зорилготой тул сэжигтэй холбоос дээр дарж, мэдээллээ оруулахаас зайлсхийхийг анхааруулж байна.
Манай банк таны мэдээллийг онлайнаар авах хүсэлт гаргадаггүй. Иймд тодорхойгүй эх сурвалжаас ирсэн холбоос дээр дарж, мэдээллээ алдахаас сэргийлээрэй.
Анхаарах зүйлс:
- Танихгүй дуудлага, мессежинд хувийн мэдээлэл өгөхөөс татгалзаарай.
- Албан ёсны эх сурвалжийг заавал шалгаж баталгаажуулаарай.
- Сэжигтэй тохиолдолд банк эсвэл хамааралтай байгууллагатай шууд холбоо бариарай.
- 贷款期限及宽限期较长，可选择三种币种;
- 客户可通过该项目贷款调整业务模式，转向更节能、环保的绿色经营模式。
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产品条款 |
图格里克 | 美元 |
欧元 |
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贷款最高额度 |
根据企业规模、资产及财务能力确定 | ||
| 贷款月利率 | 2.0%- 1.6% | 1.5% – 1.1% |
1.5%-1.1% |
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贷款年利率 |
24.0%-19.2% | 18.0%- 13.2% | 18.0%-13.2% |
| 贷款期限 | 图格里克：最长60个月 |
外币：最长36个月 |
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贷款发放手续费 |
图格里克：贷款金额的1%，最高1,500,000图格里克 | 外币：贷款金额的0.5%，最高1,500美元或等值欧元 | |
| 加成利率 |
加成利率等于基准利率的20% |
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变更初始条件手续费 |
0% | ||
| 宽限期 |
12-24 个月 |
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申请费 |
30,000 图格里克 | ||
| 贷款信息系统查询费 |
每次查询（个人或企业）：1,000图格里克 |
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贷款实际年成本: 19.68%-24.51%
- 企业资金周转与贷款额度相匹配;
- 最近12个月持续经营，若为新业务，需最近6个月持续运营，且业务稳定;
- 具备稳定现金流，有能力偿还贷款及利息;
- 持有合法经营许可证;
- 财务报表经税务机关认证;
- 无不良贷款记录;
- 具备符合银行要求的抵押资产;
- 贷款申请函;
- 贷款申请表（银行标准格式）;
- 企业经营介绍;
- 法人营业执照、公司章程、成立协议、贷款决议;
- 经审计及税务机关认证的财务报表（最近1-3年）;
- 经营许可证、执照、专利;
- 贷款用途相关资料、合同、项目、预算等;
- 抵押资产资料、文件及证明;
- 根据业务特点需提供的其他文件
分类
蒙古交通发展银行的社会责任目标是在蒙古国相关法律法规框架下，通过银行的业务和价值观保护客户权益，关注员工的健康、教育与职业发展，并在社会、经济和环境领域长期、持续、负责任地发挥自身作用与贡献。
我们正在以下5个层面实行社会责任政策 :
- 教育
- 健康
- 环境
- 人权
- 透明与责任
分类
蒙古交通发展银行为保障性别平等，明确银行在性别事务方面的政策，向客户提供普惠金融服务，并降低、监控和管理因性别因素可能产生的银行业务风险，已制定并实施**《性别平等政策》。
同时，银行在内部设立了性别委员会**，通过该机制推进政策的落地与执行。
性别平等政策在以下层面得到落实：
- 企业层面
收集员工按性别分类的统计数据，进行相关分析，并将其用于决策；在日常业务、治理和绩效评估中推广性别敏感方法，同时充分利用所需的财务与人力资源支持。
- 客户层面
银行在提供服务时，会考虑客户的性别平等参与情况，在客户细分、市场调研、产品开发、风险评估及营销等环节予以应用。
- 影响力层面
本行致力于通过自身业务运营，积极参与和支持推动性别平等的国际倡议与相关项目，并在可持续发展目标框架下持续贡献价值。