分类：季度财务报告

2026 year I quarter

文章作者由Nomundari A
发布日期 15 4 月, 2026

(MNT million)

STATEMENT OF FINANCIAL POSITION		2026/03/31
1	ASSETS
1.1	Cash and cash equivalents	514,052
1.2	Due from banks and financial institutions	204,964
1.3	Financial investments	466,998
1.4	Loans and advances to customers (net)	932,147
1.4.1	Performing loans	866,663
1.4.2	Non-performing loans	87,719
1.4.3	Deferred loan payment	(251)
1.4.4	Accrued interest receivable	28,923
1.4.5	Loan loss provision	(50,907)
1.5	Derivative financial assets	1,353
1.6	Other financial assets	6,388
1.7	Other non-financial assets	53,321
1.8	Fixed assets	14,987
1.9	Properties held for sale	70,776
1.10	Intangible assets	11,811
1.11	Total assets	2,276,797
2	LIABILITIES
2.1	Current accounts	140,223
2.2	Savings accounts	1,155,823
2.3	Due to banks and financial instituitions	228,853
2.4	Other funds	485,081
2.5	Derivative financial liabilities	1,510
2.6	Other liabilities	35,277
2.7	Total liabilities	2,046,767
3	EQUITY
3.1	Share capital	146,474
3.2	Share premium	15,645
3.3	Treasury shares	(7,032)
3.4	Retained earnings	74,879
3.5	Other reserves	64
3.6	Total equity	230,030
4	TOTAL LIABILITIES AND EQUITY	2,276,797

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)	35,757

(MNT million)

INCOME STATEMENT		2026/03/31
1	Interest income	55,508
1.1	From Bank of Mongolia	14
1.2	From banks and financial institutions	51
1.3	From securities	11,542
1.4	From loans	43,856
1.5	Other interest income	45
2	Interest expense	47,181
2.1	Interest expense on current accounts	843
2.2	Interest expense on savings accounts	41,685
2.3	Interest expense on borrowed funds	1,901
2.4	Interest expense on securities	1,379
2.5	Other interest expenses	1,373
3	Net interest income (1-2)	8,327
4	Provision expense	–
4.1	Deposits at banks and financial institutions	–
4.2	Securities	–
4.3	Loans	–
5	Net income after provision (3-4)	8,327
6	Other income	17,331
6.1	Non-interest income	17,326
6.1.1	Trading income	4,303
6.1.2	Foreign exchange and revaluation income	9,793
6.1.3	Fees and commission income	521
6.1.4	Other non-interest income	2,709
6.2	Other income, gain	5
7	Other expenses	21,735
7.1	Non-interest expenses	21,710
7.1.1	Other provision expense	22
7.1.2	Trading expense	1,793
7.1.3	Foreign exchange and revaluation expense	10,893
7.1.4	Fees and commission expense	599
7.1.5	Other operating expenses	8,403
7.2	Other expenses, losses	25
8	Profit Before Tax (5+6-7)	3,923
9	Income tax expense	403
10	Net profit for the year (8-9)	3,520
11	Other comprehensive income	–
12	Total comprehensive income for the year (10+11)	3,520

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA	LIMIT	PERFORMANCE
Tier 1 capital ratio	≥ 9%	18.8%
Capital adequacy ratio	≥ 12%	18.8%
Liquidity ratio	≥ 25%	45.3%
Foreign currency open position ratio (single currency)	< ±15%	-5.6%
Foreign currency open position ratio (total)	< ±30%	-9.7%

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)			2.1%
1.1	Bank shareholders	–	–	–
1.2	Key management personnel	–	–	–
1.3	Other related parties	Loan	4,782	2.1%
2	Total loans and advances to related parties (less than 20% of total equity)			3.8%
2.1	Bank shareholders	Loan	101	0.0%
2.2	Key management personnel	Loan	467	0.2%
2.3	Other related parties	Loan	9,287	3.6%

季度财务报告

2025 year IV quarter

文章作者由Nomundari A
发布日期 14 1 月, 2026

(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%

季度财务报告

2025 year III quarter

文章作者由Nasantsatsral B
发布日期 7 10 月, 2025

(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%

季度财务报告

2025 year II quarter

文章作者由Nomundari A
发布日期 9 7 月, 2025

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%

季度财务报告

2025 year I quarter

文章作者由Bilguun G
发布日期 8 4 月, 2025

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%

季度财务报告

2024 year IV quarter

文章作者由Nasantsatsral B
发布日期 21 1 月, 2025

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%

季度财务报告

2024 year III quarter

文章作者由Nasantsatsral B
发布日期 13 12 月, 2024

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%

季度财务报告

2024 year II quarter

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

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%

首页季度财务报告

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%

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%