分类：财务信息

外部审计报告

2022

文章作者由Nasantsatsral B
发布日期 11 12 月, 2024

AFS 2022 TransBank (mon)

外部审计报告

2024 year I quarter

文章作者由Nasantsatsral B
发布日期 11 12 月, 2024

STATEMENT OF FINANCIAL POSITION

(MNT million)

1	ASSETS
1.1	Cash and cash equivalents	217,295
1.2	Due from banks and financial institutions	72,350
1.3	Financial investments	72,145
1.4	Loans and advances to customers (net)	680,793
1.4.1	Performing loans	647,070
1.4.2	Non-performing loans	58,622
1.4.3	Deferred loan payment	(159)
1.4.4	Accrued interest receivable	15,776
1.4.5	Loan loss provision	(40,516)
1.5	Derivative financial assets	2,325
1.6	Other financial assets	569
1.7	Other non-financial assets	15,204
1.8	Fixed assets	19,142
1.9	Properties held for sale	26,184
1.10	Intangible assets	13,215
1.11	Total assets	1,119,222
2	LIABILITIES
2.1	Current accounts	82,796
2.2	Savings accounts	491,964
2.3	Due to banks and financial institutions	234,434
2.4	Other funds	78,281
2.5	Derivative financial liabilities	3,354
2.6	Other liabilities	25,835
2.7	Total liabilities	916,664
3	EQUITY
3.1	Share capital	146,474
3.2	Share premium	15,647
3.3	Treasury shares	(7,032)
3.4	Retained earnings	47,370
3.5	Other reserves	99
3.6	Total equity	202,558
4	TOTAL LIABILITIES AND EQUITY	1,119,222

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)			16,091

INCOME STATEMENT

(MNT million)

1	Interest income	35,199
1.1	From Bank of Mongolia	56
1.2	From banks and financial institutions	337
1.3	From securities	3,017
1.4	From loans	31,254
1.5	Other interest income	535
2	Interest expense	21,417
2.1	Interest expense on current accounts	558
2.2	Interest expense on savings accounts	17,808
2.3	Interest expense on borrowed funds	1,515
2.4	Interest expense on securities	201
2.5	Other interest expenses	1,335
3	Net interest income (1-2)	13,782
4	Provision expense	2,626
4.1	Deposits at banks and financial institutions	–
4.2	Securities	–
4.3	Loans	2,626
5	Net income after provision (3-4)	11,156
6	Other income	8,057
6.1	Non-interest income	7,973
6.1.1	Trading income	1,912
6.1.2	Foreign exchange and revaluation income	5,598
6.1.3	Fees and commission income	379
6.1.4	Other non-interest income	84
6.2	Other income, gain	84
7	Other expenses	13,004
7.1	Non-interest expenses	12,896
7.1.1	Other provision expense	–
7.1.2	Trading expense	1,390
7.1.3	Foreign exchange and revaluation expense	4,963
7.1.4	Fees and commission expense	305
7.1.5	Other operating expenses	6,238
7.2	Other expenses, losses	108
8	Profit Before Tax (5+6-7)	6,209
9	Income tax expense	549
10	Net profit for the year (8-9)	5,660
11	Other comprehensive income	–
12	Total comprehensive income for the year (10+11)	5,660

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA	LIMIT	PERFORMANCE
Tier 1 capital ratio	≥ 9%	23.0%
Capital adequacy ratio	≥ 12%	23.0%
Liquidity ratio	≥ 25%	30.1%
Foreign currency open position ratio (single currency)	< ±15%	-4.9%
Foreign currency open position ratio (total)	< ±30%	-12.7%

LOANS AND ADVANCES TO RELATED PARTIES		CATEGORY OF ASSETS	BALANCE (MNT million)	PERCENT OF TOTAL EQUITY
1	Loans and advances to a related party (less than 5% of total equity)			3.3%
1.1	Bank shareholders	–	–	0.0%
1.2	Key management personnel	–	–	0.0%
1.3	Other related parties	Loan	6,666	3.3%
2	Total loans and advances to related parties (less than 20% of total equity)			12.0%
2.1	Bank shareholders	Loan	100	0.0%
2.2	Key management personnel	Loan	544	0.3%
2.3	Other related parties	Loan	23,856	11.7%

Комплаенс

文章作者由Nasantsatsral B
发布日期 11 12 月, 2024

МУТС-тэй тэмцэх бодлого, зохицуулалтын талаар

Тээвэр хөгжлийн банк нь Мөнгө угаах болон терроризмыг санхүүжүүлэхтэй тэмцэх (МУТСТ) тухай хууль, тогтоомж, Олон улсын болон дотоодын зохицуулагч байгууллагаас гаргасан дүрэм журам, зөвлөмж, стандартыг үйл ажиллагаандаа дагаж мөрдөж ажилладаг.

Банк нь МУТСТ дотоод хяналтын хөтөлбөрийг холбогдох хууль, журамд нийцүүлэн боловсруулж гарган, энэ хүрээнд харилцагчийг таньж мэдэх үйл ажиллагаа, харилцагч, бүтээгдэхүүн үйлчилгээ, улс орны эрсдэлийн үнэлгээ, Олон улсын хориг арга хэмжээг хэрэгжүүлэх, корреспондент харилцаанд баримтлах журам зохицуулалтыг тодорхойлж гаргасан байдаг.

Банк, Харилцагчийг таньж мэдэх үйл ажиллагааг МУТСТ хууль, журамд заасны дагуу хэрэгжүүлэхдээ харилцагчийн мэдээлэл, төлбөрийн баримт, гэрээ, нэхэмжлэл болон холбогдох бусад баримт мэдээллийн нийцлийг хангуулж, баталгаажуулсны үндсэн дээр үйлчилгээ үзүүлж ажилладаг.

Мөн дараах мэдээллийг харилцагчийн албан ёсны баримт бичиг, баталгаат эх сурвалжийн мэдээлэлд үндэслэн таньж мэдэхэд анхаарч ажилладаг. Үүнд:

Банктай үүсгэж буй бизнесийн харилцаааны зорилго;
Эцсийн өмчлөгч болон хувьцаа эзэмшигчдийн бүтэц, удирдлагын мэдээлэл;
Эрхэлж буй бизнес, үйл ажиллагаа нь харилцагчийн хөрөнгө, орлогын гарал эх үүсвэр, хийж буй гүйлгээний утга зориулалтттай нийцэх байдал

Гадаадын банк, санхүүгийн байгууллагатай харилцах, хамтран ажиллахдаа Олон улсын “Wolfsberg group”-ээс гаргасан зөвлөмж, санхүүгийн байгууллагыг таньж мэдэх “CBDDQ” загвар асуулга болон АНУ-ын “US Patriot Act”; “US FATCA” зэрэг хууль, тогтоомжуудыг дагаж мөрдөж ажилладаг.

Wolfsberg CBDDQ:

Тээвэр хөгжлийн банкны Wolfsberg CBDDQ загвар асуулгын хариулттай Энд дарж танилцана уу.

US Patriot Act:

АНУ-ын банк, санхүүгийн байгууллагуудын корреспондент харилцаатай банк, дансанд тавигдах шаардлагыг дагаж мөрдөх баталгаажуулалт Global USA Patriot Act certification-той Энд дарж танилцана уу.

US FATCA status:

Тээвэр хөгжлийн банк нь олон улсын банк, санхүүгийн байгууллагуудын нэгэн адил АНУ-ын татварын төв байгууллага (IRS)-д тус улсын иргэн, хуулийн этгээдийн гадаад дансны талаар АНУ-ын холбооны хууль US FATCA-д заасны дагуу тайлагнах үүргийг хүлээсэн байдаг.

Тээвэр хөгжлийн банкны FATCA GIIN, бүртгэлийн мэдээллийг Энд дарж харна уу.

季度财务报告

2023 year IV quarter

文章作者由Nasantsatsral B
发布日期 10 12 月, 2024

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%

季度财务报告

2023 year III quarter

文章作者由Nasantsatsral B
发布日期 9 12 月, 2024

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%

季度财务报告

2023 year II quarter

文章作者由Nasantsatsral B
发布日期 8 12 月, 2024

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%

财务指标财务信息

Санхүүгийн үзүүлэлт

文章作者由Nasantsatsral B
发布日期 7 12 月, 2024

	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%

季度财务报告

2023 year I quarter

文章作者由Nasantsatsral B
发布日期 7 12 月, 2024

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%

Key performance indicators for evaluating the NPL reduction target (MNT million)	Strategy approval date (2024.12.31)	NPL Reduction Plan			As of Reporting Date /2025.06.30/
		Short Term (1 year)	Medium term (2-4 year)	Long-term (5 or more years)	As of Reporting Date /2025.06.30/
		2025.12.31	2027.12.31	2029.12.31	TARGET	ACTUAL	PERFORMANCE %
Total loan portfolio	678,901.0	1,007,500.0	1,219,075.0	1,475,080.8	856,007.1	812,377.8	94.9%
Non performing loan (NPL) portfolio	59,125.0	75,562.5	85,335.3	95,880.3	69,336.6	67,384.2	97.2%
NPL Ratio (%)	8.7%	7.5%	7.0%	6.5%	8.1%	8.3%	102.4%
Total loan loss provisions	51,383.7	62,716.9	70,828.3	79,580.6	58,242.7	52,641.7	90.4%
Non-loan non performing assets	523.9	513.0	400.0	100.0	521.0	627.7	120.5%
Provisions for Non-loan non performing assets	523.9	513.0	400.0	100.0	521.0	627.0	120.3%
Restructured assets ratio	3.5%	5.0%	6.0%	6.0%	5.0%	7.3%	146.0%