分类： 财务信息
(MNT million)
|
STATEMENT OF FINANCIAL POSITION |
31/12/2025 |
|
|
1 |
ASSETS |
|
|
1.1 |
Cash and cash equivalents |
443,418 |
|
1.2 |
Due from banks and financial institutions |
169,557 |
|
1.3 |
Financial investments |
54,299 |
|
1.4 |
Loans and advances to customers (net) |
885,930 |
|
1.4.1 |
Performing loans |
838,495 |
|
1.4.2 |
Non-performing loans |
77,638 |
|
1.4.3 |
Deferred loan payment |
(226) |
|
1.4.4 |
Accrued interest receivable |
23,529 |
|
1.4.5 |
Loan loss provision |
(53,506) |
|
1.5 |
Derivative financial assets |
438 |
|
1.6 |
Other financial assets |
1,045 |
|
1.7 |
Other non-financial assets |
35,835 |
|
1.8 |
Fixed assets |
13,886 |
|
1.9 |
Properties held for sale |
50,277 |
|
1.1 |
Intangible assets |
12,221 |
|
1.11 |
Total assets |
1,666,906 |
|
2 |
LIABILITIES |
|
|
2.1 |
Current accounts |
185,080 |
|
2.2 |
Savings accounts |
995,654 |
|
2.3 |
Due to banks and financial instituitions |
209,521 |
|
2.4 |
Other funds |
73,368 |
|
2.5 |
Derivative financial liabilities |
1,419 |
|
2.6 |
Other liabilities |
16,091 |
|
2.7 |
Total liabilities |
1,441,133 |
|
3 |
EQUITY |
|
|
3.1 |
Share capital |
146,474 |
|
3.2 |
Share premium |
15,654 |
|
3.3 |
Treasury shares |
(7,032) |
|
3.4 |
Retained earnings |
70,612 |
|
3.5 |
Other reserves |
74 |
|
3.6 |
Total equity |
225,773 |
|
4 |
TOTAL LIABILITIES AND EQUITY |
1,666,906 |
|
OFF BALANCE SHEET |
|
|
Contingencies and commitments (net) |
32,587 |
(MNT million)
|
INCOME STATEMENT |
31/12/2025 |
|
|
1 |
Interest income |
175,978 |
|
1.1 |
From Bank of Mongolia |
144 |
|
1.2 |
From banks and financial institutions |
593 |
|
1.3 |
From securities |
15,101 |
|
1.4 |
From loans |
157,860 |
|
1.5 |
Other interest income |
2,280 |
|
2 |
Interest expense |
123,007 |
|
2.1 |
Interest expense on current accounts |
2,639 |
|
2.2 |
Interest expense on savings accounts |
106,708 |
|
2.3 |
Interest expense on borrowed funds |
6,521 |
|
2.4 |
Interest expense on securities |
667 |
|
2.5 |
Other interest expenses |
6,472 |
|
3 |
Net interest income (1-2) |
52,971 |
|
4 |
Provision expense |
1,869 |
|
4.1 |
Deposits at banks and financial institutions |
366 |
|
4.2 |
Securities |
192 |
|
4.3 |
Loans |
1,311 |
|
5 |
Net income after provision (3-4) |
51,102 |
|
6 |
Other income |
34,568 |
|
6.1 |
Non-interest income |
34,332 |
|
6.1.1 |
Trading income |
11,761 |
|
6.1.2 |
Foreign exchange and revaluation income |
20,407 |
|
6.1.3 |
Fees and commission income |
2,157 |
|
6.1.4 |
Other non-interest income |
7 |
|
6.2 |
Other income, gain |
236 |
|
7 |
Other expenses |
61,890 |
|
7.1 |
Non-interest expenses |
61,195 |
|
7.1.1 |
Other provision expense |
1,200 |
|
7.1.2 |
Trading expense |
8,225 |
|
7.1.3 |
Foreign exchange and revaluation expense |
17,954 |
|
7.1.4 |
Fees and commission expense |
1,806 |
|
7.1.5 |
Other operating expenses |
32,010 |
|
7.2 |
Other expenses, losses |
695 |
|
8 |
Profit Before Tax (5+6-7) |
23,780 |
|
9 |
Income tax expense |
5,449 |
|
10 |
Net profit for the year (8-9) |
18,331 |
|
11 |
Other comprehensive income |
36 |
|
12 |
Total comprehensive income for the year (10+11) |
18,367 |
|
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
LIMIT |
PERFORMANCE |
|
Tier 1 capital ratio |
≥ 9% |
19.9% |
|
Capital adequacy ratio |
≥ 12% |
19.9% |
|
Liquidity ratio |
≥ 25% |
44.9% |
|
Foreign currency open position ratio (single currency) |
< ±15% |
-3.9% |
|
Foreign currency open position ratio (total) |
< ±30% |
-14.2% |
|
LOANS AND ADVANCES TO RELATED PARTIES |
CATEGORY OF ASSETS |
BALANCE |
PERCENT OF TOTAL EQUITY |
|
|
1 |
Loans and advances to a related party (less than 5% of total equity) |
2.9% |
||
|
1.1 |
Bank shareholders |
– |
– |
– |
|
1.2 |
Key management personnel |
– |
– |
– |
|
1.3 |
Other related parties |
Loan |
6,632 |
2.9% |
|
2 |
Total loans and advances to related parties (less than 20% of total equity) |
4.7% |
||
|
2.1 |
Bank shareholders |
Loan |
100 |
0.0% |
|
2.2 |
Key management personnel |
Loan |
814 |
0.4% |
|
2.3 |
Other related parties |
Loan |
10,705 |
4.3% |
分类
Тээвэр хөгжлийн банкны үнэлгээ – Fitch Ratings Олон Улсын үнэлгээний агентлаг
Олон улсын үнэлгээний “Fitch Ratings” агентлаг 2025 оны 09 сарын 03 өдөр Тээвэр хөгжлийн банкны зээлжих зэрэглэлийн үнэлгээг “B-, Тогтвортой” хэмээн үнэллээ.
Fitch агентлагийн тайланд дурдсанаар Тээвэр Хөгжлийн Банкны зээлийн багцын өсөлт 2025 оны эхний хагас жилд 20 хувиар өссөн нь салбарын дунджаас мэдрэгдэхүйц өндөр түвшинд тэлж байгааг харуулж байна. Түүнчлэн банкны өөрийн хөрөнгийн хүрэлцээний харьцаа 21 хувьтай байгаа нь зохицуулагч байгууллагаас тогтоосон үзүүлэлтээс (12%) даруй 9 хувиар дээгүүр буюу эрсдэл даах чадвар сайн байгааг дурдлаа.
Цаашид Монгол Улсын дунд хугацааны эдийн засгийн өсөлтийн чиг хандлага нь нийт банкны салбарын бизнесийг дэмжих таатай суурь орчин нөхцөл болж байгааг онцолсон байна.
Тээвэр хөгжлийн банкны хувьд ийнхүү олон улсын болон дотоодын зах зээлд өөрийн байр сууриа улам бэхжүүлж, харилцагчид болон түнш байгууллагуудынхаа итгэлийг өндөр түвшинд ханган ажиллаж байна.
Зээлжих зэрэглэлийн үнэлгээ
2025.09.03
| Төлөв | Тогтвортой |
| Урт хугацааны Зээлдэгчийн Дефолтын Үнэлгээ (IDR) | В- |
| Богино хугацааны Зээлдэгчийн Дефолтын Үнэлгээ (IDR) | B |
| Зээлжих чадварын үнэлгээ | b- |
(MNT million)
|
STATEMENT OF FINANCIAL POSITION |
30/09/2025 |
|
|
1 |
ASSETS |
|
|
1.1 |
Cash and cash equivalents |
327,495 |
|
1.2 |
Due from banks and financial institutions |
125,935 |
|
1.3 |
Financial investments |
111,333 |
|
1.4 |
Loans and advances to customers (net) |
820,807 |
|
1.4.1 |
Performing loans |
763,078 |
|
1.4.2 |
Non-performing loans |
72,468 |
|
1.4.3 |
Deferred loan payment |
(178) |
|
1.4.4 |
Accrued interest receivable |
30,607 |
|
1.4.5 |
Loan loss provision |
(45,168) |
|
1.5 |
Derivative financial assets |
884 |
|
1.6 |
Other financial assets |
3,328 |
|
1.7 |
Other non-financial assets |
35,772 |
|
1.8 |
Fixed assets |
15,277 |
|
1.9 |
Properties held for sale |
48,838 |
|
1.1 |
Intangible assets |
12,738 |
|
1.11 |
Total assets |
1,502,407 |
|
2 |
LIABILITIES |
|
|
2.1 |
Current accounts |
179,817 |
|
2.2 |
Savings accounts |
741,673 |
|
2.3 |
Due to banks and financial instituitions |
211,316 |
|
2.4 |
Other funds |
126,942 |
|
2.5 |
Derivative financial liabilities |
2,561 |
|
2.6 |
Other liabilities |
22,331 |
|
2.7 |
Total liabilities |
1,284,640 |
|
3 |
EQUITY |
|
|
3.1 |
Share capital |
146,474 |
|
3.2 |
Share premium |
15,645 |
|
3.3 |
Treasury shares |
(7,032) |
|
3.4 |
Retained earnings |
60,110 |
|
3.5 |
Other reserves |
2,570 |
|
3.6 |
Total equity |
217,767 |
|
4 |
TOTAL LIABILITIES AND EQUITY |
1,502,407 |
(MNT million)
|
INCOME STATEMENT |
30/09/2025 |
|
|
1 |
Interest income |
117,782 |
|
1.1 |
From Bank of Mongolia |
92 |
|
1.2 |
From banks and financial institutions |
491 |
|
1.3 |
From securities |
7,376 |
|
1.4 |
From loans |
107,731 |
|
1.5 |
Other interest income |
2,092 |
|
2 |
Interest expense |
85,053 |
|
2.1 |
Interest expense on current accounts |
1,537 |
|
2.2 |
Interest expense on savings accounts |
73,242 |
|
2.3 |
Interest expense on borrowed funds |
4,718 |
|
2.4 |
Interest expense on securities |
520 |
|
2.5 |
Other interest expenses |
5,036 |
|
3 |
Net interest income (1-2) |
32,729 |
|
4 |
Provision expense |
– |
|
4.1 |
Deposits at banks and financial institutions |
– |
|
4.2 |
Securities |
– |
|
4.3 |
Loans |
– |
|
5 |
Net income after provision (3-4) |
32,729 |
|
6 |
Other income |
38,031 |
|
6.1 |
Non-interest income |
37,889 |
|
6.1.1 |
Trading income |
8,601 |
|
6.1.2 |
Foreign exchange and revaluation income |
20,463 |
|
6.1.3 |
Fees and commission income |
1,784 |
|
6.1.4 |
Other non-interest income |
7,041 |
|
6.2 |
Other income, gain |
142 |
|
7 |
Other expenses |
57,792 |
|
7.1 |
Non-interest expenses |
57,454 |
|
7.1.1 |
Other provision expense |
8,343 |
|
7.1.2 |
Trading expense |
7,920 |
|
7.1.3 |
Foreign exchange and revaluation expense |
17,265 |
|
7.1.4 |
Fees and commission expense |
1,424 |
|
7.1.5 |
Other operating expenses |
22,502 |
|
7.2 |
Other expenses, losses |
338 |
|
8 |
Profit Before Tax (5+6-7) |
12,968 |
|
9 |
Income tax expense |
2,684 |
|
10 |
Net profit for the year (8-9) |
10,284 |
|
11 |
Other comprehensive income |
– |
|
12 |
Total comprehensive income for the year (10+11) |
10,284 |
|
OFF BALANCE SHEET |
|
|
Contingencies and commitments (net) |
31,984 |
|
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
LIMIT |
PERFORMANCE |
|
Tier 1 capital ratio |
≥ 9% |
20.0% |
|
Capital adequacy ratio |
≥ 12% |
20.0% |
|
Liquidity ratio |
≥ 25% |
39.8% |
|
Foreign currency open position ratio (single currency) |
< ±15% |
7.9% |
|
Foreign currency open position ratio (total) |
< ±30% |
16.5% |
|
LOANS AND ADVANCES TO RELATED PARTIES |
CATEGORY OF ASSETS |
BALANCE |
PERCENT OF TOTAL EQUITY |
|
|
1 |
Loans and advances to a related party (less than 5% of total equity) |
2.9% |
||
|
1.1 |
Bank shareholders |
– |
– |
– |
|
1.2 |
Key management personnel |
– |
– |
– |
|
1.3 |
Other related parties |
Loan |
6,262.03 |
2.9% |
|
2 |
Total loans and advances to related parties (less than 20% of total equity) |
5.0% |
||
|
2.1 |
Bank shareholders |
Loan |
100 |
0.0% |
|
2.2 |
Key management personnel |
Loan |
674 |
0.3% |
|
2.3 |
Other related parties |
Loan |
11,080 |
4.6% |
STATEMENT OF FINANCIAL POSITION
(MNT million)
| 1 | ASSETS | |
| 1.1 | Cash and cash equivalents |
210,002 |
| 1.2 | Due from banks and financial institutions |
117,633 |
| 1.3 | Financial investments |
69,489 |
| 1.4 | Loans and advances to customers (net) |
777,116 |
| 1.4.1 | Performing loans |
744,994 |
| 1.4.2 | Non-performing loans |
67,384 |
| 1.4.3 | Deferred loan payment |
(170) |
| 1.4.4 | Accrued interest receivable |
13,649 |
| 1.4.5 | Loan loss provision |
(48,741) |
| 1.5 | Derivative financial assets |
468 |
| 1.6 | Other financial assets |
630 |
| 1.7 | Other non-financial assets |
27,277 |
| 1.8 | Fixed assets |
18,352 |
| 1.9 | Properties held for sale |
48,731 |
| 1.10 | Intangible assets |
12,599 |
| 1.11 | Total assets |
1,282,297 |
| 2 | LIABILITIES | |
| 2.1 | Current accounts |
95,102 |
| 2.2 | Savings accounts |
656,055 |
| 2.3 | Due to banks and financial institutions |
205,216 |
| 2.4 | Other funds |
85,102 |
| 2.5 | Derivative financial liabilities |
2,018 |
| 2.6 | Other liabilities |
24,135 |
| 2.7 | Total liabilities |
1,067,628 |
| 3 | EQUITY | |
| 3.1 | Share capital |
146,474 |
| 3.2 | Share premium |
15,646 |
| 3.3 | Treasury shares |
(7,032) |
| 3.4 | Retained earnings |
55,644 |
| 3.5 | Other reserves |
3,937 |
| 3.6 | Total equity |
214,669 |
| 4 | TOTAL LIABILITIES AND EQUITY |
1,282,297 |
(MNT million)
| OFF BALANCE SHEET | |
| Contingencies and commitments (net) |
39,406 |
INCOME STATEMENT
(MNT million)
| 1 | Interest income |
74,837 |
| 1.1 | From Bank of Mongolia |
69 |
| 1.2 | From banks and financial institutions |
402 |
| 1.3 | From securities |
4,481 |
| 1.4 | From loans |
68,157 |
| 1.5 | Other interest income |
1,728 |
| 2 | Interest expense |
53,399 |
| 2.1 | Interest expense on current accounts |
914 |
| 2.2 | Interest expense on savings accounts |
45,647 |
| 2.3 | Interest expense on borrowed funds |
2,986 |
| 2.4 | Interest expense on securities |
403 |
| 2.5 | Other interest expenses |
3,449 |
| 3 | Net interest income (1-2) |
21,438 |
| 4 | Provision expense |
– |
| 5 | Net income after provision (3-4) |
21,438 |
| 6 | Other income |
30,363 |
| 6.1 | Non-interest income |
28,444 |
| 6.1.1 | Trading income |
4,987 |
| 6.1.2 | Foreign exchange and revaluation income |
19,014 |
| 6.1.3 | Fees and commission income |
985 |
| 6.1.4 | Other non-interest income |
3,458 |
| 6.2 | Other income, gain |
1,919 |
| 7 | Other expenses |
43,547 |
| 7.1 | Non-interest expenses |
43,383 |
| 7.1.1 | Other provision expense |
6,089 |
| 7.1.2 | Trading expense |
6,018 |
| 7.1.3 | Foreign exchange and revaluation expense |
14,883 |
| 7.1.4 | Fees and commission expense |
882 |
| 7.1.5 | Other operating expenses |
15,511 |
| 7.2 | Other expenses, losses |
164 |
| 8 | Profit Before Tax (5+6-7) |
8,254 |
| 9 | Income tax expense |
1,064 |
| 10 | Net profit for the year (8-9) |
7,190 |
| 11 | Other comprehensive income |
– |
| 12 | Total comprehensive income for the year (10+11) |
7,190 |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio |
≥ 9% |
20.7% |
| Capital adequacy ratio |
≥ 12% |
20.7% |
| Liquidity ratio |
≥ 25% |
28.9% |
| Foreign currency open position ratio (single currency) |
< ±15% |
-4.6% |
| Foreign currency open position ratio (total) |
< ±30% |
-12.2% |
| 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) |
3.0% |
||
| 1.1 | Bank shareholders |
– |
– |
– |
| 1.2 | Key management personnel |
– |
– |
– |
| 1.3 | Other related parties |
Loan |
6,346 |
3.0% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) |
9.4% |
||
| 2.1 | Bank shareholders |
Loan |
100 |
0.0% |
| 2.2 | Key management personnel |
Loan |
766 |
0.4% |
| 2.3 | Other related parties |
Loan |
19,988 |
9.0% |
STATEMENT OF FINANCIAL POSITION
(MNT million)
| 1 | ASSETS | |
| 1.1 | Cash and cash equivalents |
174,658 |
| 1.2 | Due from banks and financial institutions |
103,400 |
| 1.3 | Financial investments |
84,673 |
| 1.4 | Loans and advances to customers (net) |
669,223 |
| 1.4.1 | Performing loans |
615,567 |
| 1.4.2 | Non-performing loans |
85,067 |
| 1.4.3 | Deferred loan payment |
(102) |
| 1.4.4 | Accrued interest receivable |
22,789 |
| 1.4.5 | Loan loss provision |
(54,098) |
| 1.5 | Derivative financial assets |
534 |
| 1.6 | Other financial assets |
615 |
| 1.7 | Other non-financial assets |
47,061 |
| 1.8 | Fixed assets |
18,548 |
| 1.9 | Properties held for sale |
18,387 |
| 1.1 | Intangible assets |
12,954 |
| 1.11 | Total assets |
1,130,053 |
| 2 | LIABILITIES | |
| 2.1 | Current accounts |
63,244 |
| 2.2 | Savings accounts |
614,566 |
| 2.3 | Due to banks and financial institutions |
128,696 |
| 2.4 | Other funds |
85,101 |
| 2.5 | Derivative financial liabilities |
1,866 |
| 2.6 | Other liabilities |
24,065 |
| 2.7 | Total liabilities |
917,538 |
| 3 | EQUITY | |
| 3.1 | Share capital |
146,474 |
| 3.2 | Share premium |
15,645 |
| 3.3 | Treasury shares |
(7,032) |
| 3.4 | Retained earnings |
50,595 |
| 3.5 | Other reserves |
6,833 |
| 3.6 | Total equity |
212,515 |
| 4 | TOTAL LIABILITIES AND EQUITY |
1,130,053 |
(MNT million)
| OFF BALANCE SHEET | |
| Contingencies and commitments (net) |
13,410 |
INCOME STATEMENT
(MNT million)
| 1 | Interest income |
38,647 |
| 1.1 | From Bank of Mongolia |
– |
| 1.2 | From banks and financial institutions |
243 |
| 1.3 | From securities |
2,678 |
| 1.4 | From loans |
34,432 |
| 1.5 | Other interest income |
1,294 |
| 2 | Interest expense |
25,959 |
| 2.1 | Interest expense on current accounts |
486 |
| 2.2 | Interest expense on savings accounts |
22,177 |
| 2.3 | Interest expense on borrowed funds |
1,324 |
| 2.4 | Interest expense on securities |
105 |
| 2.5 | Other interest expenses |
1,867 |
| 3 | Net interest income (1-2) |
12,688 |
| 4 | Provision expense |
2,214 |
| 4.1 | Deposits at banks and financial institutions |
– |
| 4.2 | Securities |
– |
| 4.3 | Loans |
2,214 |
| 5 | Net income after provision (3-4) |
10,474 |
| 6 | Other income |
15,619 |
| 6.1 | Non-interest income |
13,377 |
| 6.1.1 | Trading income |
1,898 |
| 6.1.2 | Foreign exchange and revaluation income |
10,982 |
| 6.1.3 | Fees and commission income |
497 |
| 6.1.4 | Other non-interest income |
– |
| 6.2 | Other income, gain |
2,242 |
| 7 | Other expenses |
20,674 |
| 7.1 | Non-interest expenses |
20,580 |
| 7.1.1 | Other provision expense |
958 |
| 7.1.2 | Trading expense |
1,274 |
| 7.1.3 | Foreign exchange and revaluation expense |
10,458 |
| 7.1.4 | Fees and commission expense |
518 |
| 7.1.5 | Other operating expenses |
7,372 |
| 7.2 | Other expenses, losses |
94 |
| 8 | Profit Before Tax (5+6-7) |
5,419 |
| 9 | Income tax expense |
559 |
| 10 | Net profit for the year (8-9) |
4,860 |
| 11 | Other comprehensive income |
– |
| 12 | Total comprehensive income for the year (10+11) |
4,860 |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio |
≥ 9% |
23.3% |
| Capital adequacy ratio |
≥ 12% |
23.3% |
| Liquidity ratio |
≥ 25% |
33.3% |
| Foreign currency open position ratio (single currency) |
< ±15% |
4.6% |
| Foreign currency open position ratio (total) |
< ±30% |
9.8% |
| 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% |
||
| 1.1 | Bank shareholders |
– |
– |
– |
| 1.2 | Key management personnel |
– |
– |
– |
| 1.3 | Other related parties |
Loan |
6,012 |
2.9% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) |
10.2% |
||
| 2.1 | Bank shareholders |
Loan |
100 |
0.0% |
| 2.2 | Key management personnel |
Loan |
854 |
0.4% |
| 2.3 | Other related parties |
Loan |
20,164 |
9.7% |
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% |
||
| 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% |
||
| 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% |
STATEMENT OF FINANCIAL POSITION
(MNT million)
| 1 | ASSETS | |
| 1.1 | Cash and cash equivalents | 184,400 |
| 1.2 | Due from banks and financial institutions | 44,971 |
| 1.3 | Financial investments | 25,173 |
| 1.4 | Loans and advances to customers (net) | 651,366 |
| 1.4.1 | Performing loans | 615,595 |
| 1.4.2 | Non-performing loans | 56,644 |
| 1.4.3 | Deferred loan payment | (104) |
| 1.4.4 | Accrued interest receivable | 16,528 |
| 1.4.5 | Loan loss provision | (37,297) |
| 1.5 | Derivative financial assets | 1,069 |
| 1.6 | Other financial assets | 1,130 |
| 1.7 | Other non-financial assets | 21,298 |
| 1.8 | Fixed assets | 17,792 |
| 1.9 | Properties held for sale | 24,267 |
| 1.1 | Intangible assets | 13,470 |
| 1.11 | Total assets | 984,936 |
| 2 | LIABILITIES | |
| 2.1 | Current accounts | 47,347 |
| 2.2 | Savings accounts | 430,781 |
| 2.3 | Due to banks and financial institutions | 242,506 |
| 2.4 | Other funds | 30,997 |
| 2.5 | Derivative financial liabilities | 1,827 |
| 2.6 | Other liabilities | 26,526 |
| 2.7 | Total liabilities | 779,984 |
| 3 | EQUITY | |
| 3.1 | Share capital | 146,474 |
| 3.2 | Share premium | 15,647 |
| 3.3 | Treasury shares | (7,032) |
| 3.4 | Retained earnings | 49,764 |
| 3.5 | Other reserves | 99 |
| 3.6 | Total equity | 204,952 |
| 4 | TOTAL LIABILITIES AND EQUITY | 984,936 |
(MNT million)
| OFF BALANCE SHEET | |||
| Contingencies and commitments (net) | 12,107 | ||
INCOME STATEMENT
(MNT million)
| 1 | Interest income |
90,001 |
| 1.1 | From Bank of Mongolia |
164 |
| 1.2 | From banks and financial institutions | 667 |
| 1.3 | From securities | 6,932 |
| 1.4 | From loans | 80,590 |
| 1.5 | Other interest income | 1,648 |
| 2 | Interest expense | 65,392 |
| 2.1 | Interest expense on current accounts | 1,057 |
| 2.2 | Interest expense on savings accounts | 42,517 |
| 2.3 | Interest expense on borrowed funds | 17,433 |
| 2.4 | Interest expense on securities | 363 |
| 2.5 | Other interest expenses | 4,022 |
| 3 | Net interest income (1-2) | 24,609 |
| 4 | Provision expense | – |
| 4.1 | Deposits at banks and financial institutions | – |
| 4.2 | Securities | – |
| 4.3 | Loans | – |
| 5 | Net income after provision (3-4) | 24,609 |
| 6 | Other income | 17,737 |
| 6.1 | Non-interest income | 17,596 |
| 6.1.1 | Trading income | 7,363 |
| 6.1.2 | Foreign exchange and revaluation income | 8,519 |
| 6.1.3 | Fees and commission income | 1,043 |
| 6.1.4 | Other non-interest income | 671 |
| 6.2 | Other income, gain | 141 |
| 7 | Other expenses | 32,494 |
| 7.1 | Non-interest expenses | 31,829 |
| 7.1.1 | Other provision expense | 946 |
| 7.1.2 | Trading expense | 2,811 |
| 7.1.3 | Foreign exchange and revaluation expense | 8,087 |
| 7.1.4 | Fees and commission expense | 1,161 |
| 7.1.5 | Other operating expenses | 18,824 |
| 7.2 | Other expenses, losses | 665 |
| 8 | Profit Before Tax (5+6-7) | 9,852 |
| 9 | Income tax expense | 1,799 |
| 10 | Net profit for the year (8-9) | 8,053 |
| 11 | Other comprehensive income | – |
| 12 | Total comprehensive income for the year (10+11) | 8,053 |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio | ≥ 9% | 23.9% |
| Capital adequacy ratio | ≥ 12% | 23.9% |
| Liquidity ratio | ≥ 25% | 30.2% |
| Foreign currency open position ratio (single currency) | < ±15% | 7.2% |
| Foreign currency open position ratio (total) | < ±30% | 14.5% |
| 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 | 6,780 | 3.3% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) | 11.2% | ||
| 2.1 | Bank shareholders | Loan | 100 | 0.0% |
| 2.2 | Key management personnel | Loan | 1,125 | 0.5% |
| 2.3 | Other related parties | Loan | 21,805 | 10.6% |