Тээвэр хөгжлийн банк” нь БНХАУ-ын хил дамнасан юанийн төлбөр тооцооны үндсэн систем болох (CIPS)-д Шууд оролцогчоор элссэн Монгол улсын төдийгүй Зүүн хойд Ази дахь анхны арилжааны банк боллоо.
Тээвэр хөгжлийн банк Бүгд Найрамдах Сингапур Улсын тэргүүлэгч DBS банктай корреспондент харилцаа тогтоож, сингапур долларын дансыг амжилттай нээлээ.
The internationally renowned Global Banking & Finance Review magazine which recognizes excellence, innovation, and leadership in the banking and financial sector has announced the winners of the Global Banking & Finance Awards 2025, selecting TransBank as the Best Private Bank Mongolia.
This award is a clear recognition of TransBank’s achievements in continuously expanding its operations and client base, delivering products and services tailored to customers and informed by leading international private-banking practices, and successfully implementing a consistent, phased strategy in this field thereby ensuring a high level of customer satisfaction.
As Mongolia’s first specialized private bank, TransBank places utmost importance on ensuring the highest level of client information security in full compliance with international standards. Through its VIP-class business lounge and branch network, the bank not only provides traditional banking products and services, but has also established a comprehensive private-banking ecosystem tailored to clients’ lifestyles and financial needs.
Through its internationally accredited private bankers, the bank offers flexible, client-specific solutions and high-yield products, while also providing comprehensive advisory services in wealth management, personal finance, taxation, and insurance. In addition, it delivers concierge services tailored to clients’ luxury lifestyles and has established strategic partnerships with prestigious private banks in Singapore and Switzerland, thereby enabling its clients to access private-banking services that meet international standards.
TransBank’s CEO, B. Erdenebayar, emphasized: “This award is the result of our team’s consistent efforts and the trust our clients place in us. We value being a long-term partner who not only provides financial products and services but also works together with clients to enhance the value of their businesses. Moving forward, we will continue to strive to deliver private banking products and services that meet international standards, integrated with comprehensive wealth management solutions.”
Your Financial Partner in Accelerating Growth
Fitch Ratings credit rating agency
On September 3, 2025, Fitch Ratings assigned TransBank its first-time credit rating with a Stable Outlook.
In its report, Fitch highlighted that TransBank’s loan portfolio grew by 20% in the first half of 2025, reflecting strong expansion above the industry average. The Bank’s capital adequacy ratio stood at 21%, exceeding the regulatory minimum of 12% by 9 percent, demonstrating solid risk-bearing capacity.
TransBank had been rated by Moody’s Investors Service since 2018, up until 2025, the Bank is now rated by Fitch Ratings, with its credit outlook showing an improved assessment.
Fitch also assigned a Short-Term Issuer Default Rating of ‘B’, which is in line with the systematically important commercial banks, underscoring the Bank’s ability to compete in international markets.
According to Fitch, Mongolia’s medium-term economic growth trend provides a favorable operating environment for the banking sector overall.
Through this rating, TransBank is further strengthening its position in both domestic and international markets, while continuing to uphold the trust of its customers and partner institutions.
Credit Ratings
Sep 03, 2025
| Outlook | Stable |
| Long-Term Issuer Default Rating | В- |
| Short-Term Issuer Default Rating | B |
| Viability Rating | b- |
Тээвэр хөгжлийн банкны 2025 оны III улирлын байдлаар нийт активын хэмжээ 1.5 их наяд төгрөгт хүрч, нийт татан төвлөрүүлсэн харилцах, хадгаламжийн үлдэгдэл өмнөх оны мөн үеэс 96 хувиар өссөнөөр 1.0 их наяд төгрөгт хүрэв. Тус хугацаанд мөнгөний нийлүүлэлт 7 хувиар өссөн орчинд банкны өсөлт зах зээлийн өсөлтөөс ойролцоогоор 8 дахин өндөр гүйцэтгэлтэй байв. Тайлант хугацаанд активын өгөөжийг нэмэгдүүлэн, зардлын үр ашгийг сайжруулснаар 10.3 тэрбум төгрөгийн цэвэр ашигтайгаар нийт 12.7 тэрбум төгрөгийн татварыг улсын төсөвт бүрдүүлэн ажиллалаа.
Банк нь Монголбанкнаас тогтоосон зохистой харьцааны шалгуур үзүүлэлтүүдийг бүрэн ханган ажиллаж байна. Төлбөр түргэн гүйцэтгэх чадварын харьцаа үзүүлэлт 40 хувь, өөрийн хөрөнгийн зохистой харьцааны доод түвшнийг 10 нэгж хувиар давуулан биелүүлж 20 хувьд хүрсэн нь банкны салбарт тэргүүлэх үзүүлэлттэй байна.
Банк нь үйл ажиллагааны чанар, эрсдэлийн удирдлага, харилцагчийн үйлчилгээний стандартуудыг тасралтгүй сайжруулсны үр дүнд үйлчилгээний хүртээмж, үр ашиг болон өрсөлдөх чадвараа нэмэгдүүлж, урт хугацааны санхүүгийн тогтвортой байдал, харилцагч болон түншүүдийнхээ итгэлийг улам бэхжүүллээ.
2025 оны 3 дугаар улирлын онцлох үйл явдлаас:
Бидэнтэй үргэлж хамт байдаг харилцагч, түнш, хөрөнгө оруулагч, ажилтнуудынхаа хамтын ажиллагаанд талархал илэрхийлье.
Та бүхэн санхүүгийн дэлгэрэнгүй мэдээлэлтэй ЭНД дарж танилцаарай.
(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% |
|
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 |
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% |