分类： 财务信息

分类
外部审计报告

2023

AFS 2023 TransBank (mon)

分类
外部审计报告

2022

AFS 2022 TransBank (mon)

分类
外部审计报告

2021

AFS 2021 TransBank (mon)

分类
Чанаргүй активыг бууруулах зорилтын гүйцэтгэл

Key performance indicators for evaluating the NPL reduction target
(MNT million)

Strategy
approval
date
(2024.12.31)

NPL Reduction Plan

As of Reporting Date /2025.12.31/

Short Term
(1 year)

 Medium term (2-4 year)

Long-term
(5 or more years)

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         1,007,500.0           916,133.3

90.9%

Non performing loan (NPL) portfolio

                    59,125.0

                           75,562.5                       85,335.3                       95,880.3         75,562.5             77,638.3

102.7%

NPL Ratio (%)

8.7%

 7.5% 7.0% 6.5% 7.5% 8.5%

113.0%

Total loan loss provisions

                    51,383.7

                           62,716.9                       70,828.3                       79,580.6         62,716.9             53,505.6

85.3%

Non-loan non performing assets

                        523.9

                               513.0                           400.0                           100.0                 513.0                 545.9

106.4%

Provisions for Non-loan non performing assets

                        523.9

                               513.0                           400.0                           100.0                 513.0                 545.9

106.4%

Restructured assets ratio

3.5%

 5.0% 6.0% 6.0% 5.0% 6.0%

120.0%
分类
首页 季度财务报告

2024 year I quarter

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%

 

 

分类
合规部

合规部

关于打击洗钱和恐怖融资的政策与监管

交通发展银行严格遵守有关反洗钱和反恐怖融资（AML/CFT）的法律法规，以及国际和国内监管机构发布的各项规则、指引和标准，并将其全面落实到实际业务中。

银行依据相关法律法规制定并实施了内部反洗钱与反恐融资控制方案，其中明确了客户身份识别程序、客户、产品与服务、国家风险评估、国际制裁措施的执行，以及代理行（往来行）业务管理等方面的制度与流程。

在履行客户尽职调查（CDD）义务时，银行严格按照AML/CFT法律法规要求，确保核验客户信息、付款凭证、合同、发票及其他相关资料的完整性与一致性，并在核实无误的基础上向客户提供服务。

此外，银行在开展客户尽职调查过程中，还会依据客户的正式文件及可信来源的信息，重点核实以下内容：

  • 与本行建立业务关系的目的；
  • 最终受益所有人（UBO）、股权结构及管理层信息；
  • 客户所从事的业务及经营活动是否与其资金、收入来源及交易目的相匹配。

在与海外银行及金融机构建立或开展合作关系时，我行遵循国际“Wolfsberg Group”发布的指引，使用金融机构尽调标准问卷“CBDDQ”，并符合美国《爱国者法案（US Patriot Act）》及《FATCA法案（US FATCA）》等相关法律法规的要求。

Wolfsberg CBDDQ:

请点击此处查看交通发展银行填写的 Wolfsberg CBDDQ 标准尽调问卷的回复内容。

US Patriot Act:

请点击此处查看交通发展银行遵循美国《爱国者法案》（US Patriot Act）对美国银行及金融机构的往来账户和代理行关系所需遵循的 Global USA Patriot Act 合规认证。

US FATCA status:

与国际银行及金融机构相同，交通发展银行根据美国联邦法律《美国海外账户纳税合规法案》（US FATCA）的要求，向美国国税局（IRS）履行关于美国公民和美国实体境外账户信息的申报义务。

请点击此处查看交通发展银行的 FATCA GIIN 及相关注册信息。

分类
季度财务报告

2023 year IV quarter

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%
分类
季度财务报告

2023 year III quarter

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%
分类
季度财务报告

2023 year II quarter

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%
分类
财务指标 财务信息

Санхүүгийн үзүүлэлт

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%