分类： 财务信息

分类
季度财务报告

2025 year IV quarter

(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
(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

                                  6,632

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
Олон улсын үнэлгээ

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

ТөлөвТогтвортой
Урт хугацааны Зээлдэгчийн Дефолтын Үнэлгээ (IDR)В-
Богино хугацааны Зээлдэгчийн Дефолтын Үнэлгээ (IDR)B
Зээлжих чадварын үнэлгээb-
分类
季度财务报告

2025 year III quarter

(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
(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

                                  6,262.03

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%
分类
季度财务报告

2025 year II quarter

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%

 

分类
年度报告

2024

分类
季度财务报告

2025 year I quarter

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%

 

 

分类
外部审计报告

2024

分类
季度财务报告

2024 year IV quarter

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%

 

 

分类
季度财务报告

2024 year III quarter

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%

 

分类
季度财务报告

2024 year II quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS    
1.1 Cash and cash equivalents

185,800
1.2 Due from banks and financial institutions

39,169
1.3 Financial investments

7,359
1.4 Loans and advances to customers (net)

642,972
1.4.1     Performing loans

612,821
1.4.2     Non-performing loans

58,444
1.4.3     Deferred loan payment

(140)
1.4.4     Accrued interest receivable

13,112
1.4.5      Loan loss provision

(41,265)
1.5 Derivative financial assets

1,676
1.6 Other financial assets

455
1.7 Other non-financial assets

13,121
1.8 Fixed assets

17,592
1.9 Properties held for sale

17,799
1.10 Intangible assets

13,511
1.11 Total assets

          939,454

2 LIABILITIES
2.1 Current accounts

40,476
2.2 Savings accounts

347,440
2.3 Due to banks and financial institutions

307,598
2.4 Other funds

14,162
2.5 Derivative financial liabilities

2,990
2.6 Other liabilities

24,340
2.7 Total liabilities

737,006
3 EQUITY
3.1 Share capital

146,474
3.2 Share premium

15,647
3.3 Treasury shares

(7,032)
3.4 Retained earnings

47,260
3.5 Other reserves

99
3.6 Total equity

202,448
4 TOTAL LIABILITIES AND EQUITY

939,454

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)

11,553

INCOME STATEMENT

(MNT million)

1 Interest income

                            62,130

1.1      From Bank of Mongolia

                118
1.2      From banks and financial institutions

                     573
1.3      From securities

                  4,142
1.4      From loans

             56,158
1.5     Other interest income

            1,139
2 Interest expense

        42,128

2.1     Interest expense on current accounts

                            826
2.2     Interest expense on savings accountsХадгаламжид төлсөн хүү

         28,503
2.3     Interest expense on borrowed funds

          9,844
2.4     Interest expense on securities

             283
2.5     Other interest expenses

            2,672
3 Net interest income (1-2)

     20,002

4 Provision expense

            3,363

4.1     Deposits at banks and financial institutions

            –
4.2     Securities

                  –
4.3     Loans

        3,363
5 Net income after provision (3-4)

        16,639

6 Other income

                          12,381

6.1 Non-interest income

         12,246

6.1.1     Trading income

              4,921
6.1.2     Foreign exchange and revaluation income

       6,448
6.1.3     Fees and commission income

            760
6.1.4     Other non-interest income

                 117
6.2 Other income, gain

           135
7 Other expenses

             22,797

7.1 Non-interest expenses

               22,468

7.1.1     Other provision expense

                    925
7.1.2     Trading expense

                 2,138
7.1.3     Foreign exchange and revaluation expense

                5,975
7.1.4     Fees and commission expense

                  800
7.1.5     Other operating expenses

             12,630
7.2 Other expenses, losses

                      329
8 Profit Before Tax (5+6-7)

                  6,223

9 Income tax expense

                   674
10 Net profit for the year (8-9)

                5,549

11 Other comprehensive income

              –
12 Total comprehensive income for the year (10+11)

         5,549

 

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% 30.8%
Foreign currency open position ratio (single currency) < ±15% 8.4%
Foreign currency open position ratio (total) < ±30% 10.4%

 

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                          6,449 3.2%
2 Total loans and advances to related parties (less than 20% of total equity) 11.9%
2.1 Bank shareholders Loan                                   100 0.0%
2.2 Key management personnel Loan                                   532 0.3%
2.3 Other related parties Loan                         23,590 11.6%