|
币种 |
蒙图 | 美元 |
人民币 |
| 基本利率 /年/ | 3.0% | 1.2% |
1.2% |
|
结息频次 |
每月 | ||
| 最低余额 | 300,000 蒙图 | 100 美元 |
500 元 |
- 产品服务申请表 (请点击此处下载);
- 护照;
- 其他必要材料;
|
Contact |
|
| Name of Representative Office: | Tokyo Representative Office |
| Address: | 〒100-0004 東京都千代田区大手町１－５ －１ 大手 町ファーストスクエア イースト\タワー４F |
| Telephone number: | 03-5219-1440 |
| Chief Representative: | Hajime Uchida |
| E-mail address: | Tokyo.office@transbank.mn |
| Website: | www.transbank.jp |
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% |
Smishing (SMS + Phishing): Энэ нь хуурамч мессеж (SMS)-ээр дамжуулан хүмүүсийн хувийн болон санхүүгийн мэдээллийг хулгайлах оролдлого юм.
Mishing (Mobile + Phishing): Энэ нь гар утасны дуудлагаар дамжуулан хуурамч мэдээлэл өгч, хүмүүсийг хуурч мэдээлэл авах арга юм.
Сүүлийн үед дараах агуулгатай хуурамч мессежээр дамжуулан хувийн болон санхүүгийн мэдээллийг хууль бусаар авах оролдлого нэмэгдэж байна.
- “Таны интернэт банкны нууц үг түгжигдсэн тул нууц үгээ шинэчилнэ үү.” (Мессежнээс гараад холбоосыг идэвхжүүлэхийн тулд дахин нээнэ үү. Эсвэл холбоосыг Safari хөтөч дээрээ хуулж аваад нээнэ үү.)”
- “Таны дансанд сэжигтэй гүйлгээ илэрсэн тул та дараах холбоосоор баталгаажуулна уу.” : https://transbankmnonga.mn. (хуурамч сайт руу чиглүүлэх)
Эдгээр мессеж нь таны санхүүгийн болон хувийн мэдээллийг хууль бусаар ашиглах зорилготой тул сэжигтэй холбоос дээр дарж, мэдээллээ оруулахаас зайлсхийхийг анхааруулж байна.
Манай банк таны мэдээллийг онлайнаар авах хүсэлт гаргадаггүй. Иймд тодорхойгүй эх сурвалжаас ирсэн холбоос дээр дарж, мэдээллээ алдахаас сэргийлээрэй.
Анхаарах зүйлс:
- Танихгүй дуудлага, мессежинд хувийн мэдээлэл өгөхөөс татгалзаарай.
- Албан ёсны эх сурвалжийг заавал шалгаж баталгаажуулаарай.
- Сэжигтэй тохиолдолд банк эсвэл хамааралтай байгууллагатай шууд холбоо бариарай.
– 普通定期存款
- 对于与银行建立了稳定金融合作关系及具有战略意义的客户，经首席执行官批准，可对存款利率及其他条件进行调整。
– 普通定期储蓄
- 对于建立稳定金融关系或具有战略意义的客户，存款利率及其他条件可经总经理批准进行调整。
服务类型 |
消费凑整储蓄 |
每笔收入比例储蓄 |
每日凑整储蓄 |
|
| 凑整金额:
– 1,000 图格里克以内 – 2,000 图格里克以内 – 3,000 图格里克以内 – 4,000 图格里克以内 – 5,000 图格里克以内 |
储蓄比例:
– 1.0% – 6.0% – 2.0% – 7.0% – 3.0% – 8.0% – 4.0% – 9.0% – 5.0% – 10.0% |
凑整金额: – 1,000 图格里克以内 – 2,000 图格里克以内 – 3,000 图格里克以内 – 4,000 图格里克以内 – 5,000 图格里克以内 |
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说明 |
对每笔非现金（银行卡）消费或支付交易，将金额凑整至不超过 5,000 图格里克的整数，并将差额转入储蓄账户。 | 除贷款发放外的所有入账金额，按固定比例自动转入储蓄账户。 | 每日 00:00，对往来账户余额按不超过 5,000 图格里克的整数进行凑整，并将差额转入储蓄账户。 | |
账户 |
使用客户在交通发展银行（TransBank）的现有账户； |
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手续费 |
0 图格里克 | |||
注册方式 |
客户需携带身份证件前往交通发展银行任一网点， |
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服务条款 |
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服务类型 |
交易金额取整储蓄 |
每笔收入储蓄 |
每日余额储蓄 |
|
取整金额:– 不超过 1,000 图格里克– 不超过 2,000 图格里克– 不超过 3,000 图格里克– 不超过 4,000 图格里克– 不超过 5,000 图格里克 |
储蓄比例:– 1.0% – 6.0%– 2.0% – 7.0%– 3.0% – 8.0%– 4.0% – 9.0%– 5.0% – 10.0% |
取整金额:– 不超过 1,000 图格里克– 不超过 2,000 图格里克– 不超过 3,000 图格里克– 不超过 4,000 图格里克– 不超过 5,000 图格里克 |
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说明 |
对每笔非现金（卡）消费及支付交易，将交易金额按不超过 5,000 图格里克取整，并将差额存入储蓄账户 |
除贷款发放外的每笔收入，将按固定比例存入储蓄账户 |
每日 00:00 时，将往来账户余额按不超过 5,000 图格里克取整，并将差额存入储蓄账户。 |
|
账户 |
使用客户在本行的账户。如客户无往来或储蓄账户，可根据《智能储蓄产品说明》中涉及的产品开立新账户。 |
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手续费 |
0 图格里克 |
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登记方式 |
客户须携带证件前往交通发展银行任意分行，提交附加服务申请后办理登记。 |
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- 在短期内获得高利率收益;
- 可随时追加存款;
- 通过电子银行管理账户;