Please visit the nearest branch of TransBank or register through the Online banking service.
Individual:
- ID card or foreign passport
- Service application form
Please visit the nearest branch of TransBank or register through the Online banking service.
Individual:
Account | • Check account information and statement |
• Open a new current account | |
• Open a new demand and term deposit | |
• Account authorization settings and state changes | |
• Get bank reference letter | |
Transaction | • Transactions between own accounts |
• Transactions between TransBank accounts | |
• Interbank transactions | |
• SWIFT transactions | |
• Loan and credit card payment | |
• Transaction template | |
• Ticket request | |
• Corporate gateway | |
Payment | • Bill payment |
• Qpay payment | |
• Public service payment | |
Loan | • Check loan balance and graphic |
• Deposit backed loan | |
Card | • Order new card |
• Change card state | |
• Change e-pin code | |
• Change primary account | |
• Check card statement | |
Other | • Update your registered phone number and e-mail address |
• Change your username and password |
Service type | Individual | Corporate | |||
MNT | Other currency | MNT | Other currency | ||
Transaction | Within TransBank | 100 mnt | Equivalent to 200 mnt | 100 mnt | Equivalent to 200 mnt |
Interbank /up to 5,000,000/ | 200 mnt | Equivalent to 1500 mnt | 200 mnt | Equivalent to 1500 mnt | |
Interbank /above 5,000,000/ | 500 mnt | 500 mnt |
Please visit the nearest branch of TransBank to enroll.
Individual:
Corporate:
Quarter-1,2022
(in millions of MNT)
BALANCE SHEET ITEMS | 31/03/2022 | |
1 | ASSET | |
1.1 | Cash and cash equivalents |
197,690 |
1.2 | Due from banks and financial institutions |
40,602 |
1.3 | Financial investments |
45,898 |
1.4 | Loans and advances to customers (net) |
497,313 |
1.4.1 | Performing loans |
494,753 |
1.4.2 | Non-performing loans |
8,644 |
1.4.3 | Deferred loan payment |
(127) |
1.4.4 | Accrued interest receivable |
11,274 |
1.4.5 | Loan Loss Provision |
(17,232) |
1.5 | Derivative financial assets |
766 |
1.6 | Other financial assets |
49 |
1.7 | Other non-financial assets |
18,679 |
1.8 | Fixed assets (net) |
10,709 |
1.9 | Intangible assets |
9,957 |
1.10 | Total assets |
821,664 |
2 | LIABILITIES | |
2.1 | Current account |
71,056 |
2.2 | Savings account |
299,479 |
2.3 | Due to banks and financial instituitions |
202,207 |
2.4 | Other deposits |
48,199 |
2.5 | Derivative financial liabilities |
1,136 |
2.6 | Other liabilities |
9,278 |
2.7 | Total liabilities |
631,356 |
3 | EQUITY | |
3.1 | Share capital |
146,474 |
3.2 | Share premium |
15,645 |
3.3 | Revaluation surplus |
1 |
3.4 | Retained earnings /loss/ |
28,050 |
3.5 | Other reserves |
138 |
3.6 | Total equity |
190,308 |
4 | TOTAL LIABILITIES AND EQUITY |
821,664 |
(in millions of MNT)
INCOME STATEMENT | 31/03/2022 | |
1 | Interest income |
18,183 |
1.1 | From Bank of Mongolia |
8 |
1.2 | From Other banks & financial institutions |
442 |
1.3 | From securities |
1,574 |
1.4 | From loans |
15,693 |
1.5 | Other interest income |
465 |
2 | Interest expense |
9,007 |
2.1 | Interest expense on current account |
– |
2.2 | Interest expense on savings account |
7,396 |
2.3 | Interest expense on borrowed funds |
530 |
2.4 | Interest expense on securities |
557 |
2.5 | Other interest expense |
524 |
3 | NET INTEREST INCOME (1-2) |
9,175 |
4 | Provision expenses (provision reverse income) |
– |
4.1 | Deposits at other banks and financial institutions |
– |
4.2 | Securities |
– |
4.3 | Loans |
– |
5 | Net interest income after provision [(3)-(4)] |
9,175 |
6 | Other income |
6,588 |
6.1 | Non-interest income |
6,509 |
6.1.1 | Trading income |
2,295 |
6.1.2 | Exchange and revaluation adjustment expense |
1,421 |
6.1.3 | Fees and commission income |
302 |
6.1.4 | Other non-interest income |
2,492 |
6.2 | Other income |
79 |
7 | Other expense |
7,359 |
7.1 | Non-interest expense |
7,264 |
7.1.1 | Other provision expense |
1 |
7.1.2 | Trade expense |
819 |
7.1.3 | Exchange and revaluation adjustment expense |
1,684 |
7.1.4 | Fees and commission expense |
304 |
7.1.5 | Other operating expense |
4,456 |
7.2 | Other expense |
95 |
8 | Profit Before Tax (5+6-7) |
8,405 |
9 | Income tax expense |
800 |
10 | Profit After Taxes (8-9) |
7,605 |
11 | Other comprehensive income |
– |
12 | Total comprehensive income for the year (10+11) |
7,605 |
(in millions of MNT)
OFF BALANCE SHEET | 31/03/2022 |
Contingencies and commitments (net) |
13,679 |
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | 31/03/2022 |
Tier 1 ratio |
≥9.0% |
26.7% |
Capital adequacy ratio |
≥12.0% |
26.7% |
Liquidity |
≥25.0% |
26.9% |
Foreign currency open position ratio (by each currency) |
<±15.0% |
-2.2% |
Foreign currency open position ratio (total) |
<±30.0% |
-2.8% |
(in millions of MNT)
RELATED PARTIES | CATEGARY OF ASSETS | BALANCE | % IN TOTAL EQUITY | |
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) |
4.4% |
||
1.1. | Shareholders of the Bank |
– |
– |
0.0% |
1.2. | Key management personnel |
– |
– |
0.0% |
1.3. | Other related parties |
Loan |
8,329 |
4.4% |
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) |
18.0% |
||
2.1. | Shareholders of the Bank |
Loan |
100 |
0.1% |
2.2. | Key management personnel |
Loan |
313 |
0.2% |
2.3. | Other related parties |
Loan |
33,741 |
17.7% |
Quarter-4,2021 | ||||
(in millions of MNT) | ||||
BALANCE SHEET ITEMS | 31/12/2020 | 31/12/2021 | ||
1 | ASSET | |||
1.1 | Cash and cash equivalents | 100,857 | 131,425 | |
1.2 | Due from banks and financial institutions | 7,685 | 28,907 | |
1.3 | Financial investments | 23,197 | 82,961 | |
1.4 | Loans and advances to customers (net) | 216,739 | 423,569 | |
1.4.1 | Performing loans | 211,821 | 416,828 | |
1.4.2 | Past due loans | 5,187 | 8,341 | |
1.4.3 | Non-performing loans | 14,984 | 11,722 | |
1.4.4 | Deferred loan payment | (48) | (126) | |
1.4.5 | Accrued interest receivable | 1,269 | 6,219 | |
1.4.6 | Loan Loss Provision | (16,474) | (19,415) | |
1.5 | Derivative financial assets | – | 42 | |
1.6 | Other financial assets | 150 | 54 | |
1.7 | Other non-financial assets | 1,712 | 34,360 | |
1.8 | Fixed assets (net) | 9,360 | 11,459 | |
1.9 | Intangible assets | 458 | 369 | |
1.10 | Total assets | 360,158 | 713,146 | |
2 | LIABILITIES | |||
2.1 | Current account | 9,825 | 58,149 | |
2.2 | Savings account | 78,073 | 259,022 | |
2.3 | Due to banks and financial instituitions | 132,817 | 132,947 | |
2.4 | Other deposits | 23,001 | 82,048 | |
2.5 | Derivative financial liabilities | – | 26 | |
2.6 | Other liabilities | 7,402 | 8,171 | |
2.7 | Total liabilities | 251,118 | 540,363 | |
3 | EQUITY | |||
3.1 | Share capital | 100,000 | 146,474 | |
3.2 | Revaluation surplus | 1 | 1 | |
3.3 | Retained earnings /loss/ | 8,993 | 26,170 | |
3.4 | Other reserves | 46 | 138 | |
3.5 | Total equity | 109,040 | 172,783 | |
4 | TOTAL LIABILITIES AND EQUITY | 360,158 | 713,146 | |
(in millions of MNT) | ||||
INCOME STATEMENT | 31/12/2020 | 31/12/2021 | ||
1 | Interest income | 44,737 | 50,684 | |
1.1 | From Bank of Mongolia | 326 | 132 | |
1.2 | From Other banks & financial institutions | 3,181 | 855 | |
1.3 | From securities | 3,312 | 4,493 | |
1.4 | From loans | 37,918 | 44,370 | |
1.5 | Other interest income | – | 834 | |
2 | Interest expense | 25,090 | 24,879 | |
2.1 | Interest expense on current account | 614 | – | |
2.2 | Interest expense on savings account | 21,281 | 19,963 | |
2.3 | Interest expense on borrowed funds | 576 | 1,946 | |
2.4 | Interest expense on securities | 1,959 | 1,574 | |
2.5 | Other interest expense | 660 | 1,396 | |
3 | NET INTEREST INCOME (1-2) | 19,647 | 25,805 | |
4 | Provision expenses (provision reverse income) | 7,957 | 647 | |
4.1 | Deposits at other banks and financial institutions | – | 327 | |
4.2 | Securities | – | 25 | |
4.3 | Loans | 7,957 | 295 | |
5 | Net interest income after provision [(3)-(4)] | 11,690 | 25,158 | |
6 | Other income | 6,884 | 4,249 | |
6.1 | Non-interest income | 6,355 | 4,249 | |
6.1.1 | Trading income | 5,263 | 3,393 | |
6.1.2 | Exchange and revaluation adjustment expense | 644 | 349 | |
6.1.3 | Fees and commission income | 448 | 507 | |
6.2 | Other income | 529 | – | |
7 | Other expense | 12,435 | 16,228 | |
7.1 | Non-interest expense | 12,166 | 15,360 | |
7.1.1 | Other provision expense | 264 | 2 | |
7.1.2 | Trade expense | 2,727 | 1,936 | |
7.1.3 | Exchange and revaluation adjustment expense | 394 | 428 | |
7.1.4 | Fees and commission expense | 437 | 432 | |
7.1.5 | Other operating expense | 8,344 | 12,562 | |
7.2 | Other expense (5+6-7) | 269 | 868 | |
8 | Profit Before Tax | 6,139 | 13,179 | |
9 | Income tax expense | 665 | 2,599 | |
10 | Profit After Taxes (8-9) | 5,474 | 10,580 | |
11 | Other comprehensive income | (88) | 92 | |
12 | Total comprehensive income for the year (10+11) | 5,386 | 10,672 | |
(in millions of MNT) | ||||
OFF BALANCE SHEET | 31/12/2020 | 31/12/2021 | ||
Contingencies and commitments (net) | 1,925 | 16,939 | ||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | Limit | 31/12/2021 | ||
Tier 1 ratio | ≥ 9% | 32.0% | ||
Capital adequacy ratio | ≥ 12% | 32.0% | ||
Liquidity | ≥ 25% | 32.9% | ||
Foreign currency open position ratio (by each currency) | < ±15% | -2.4% | ||
Foreign currency open position ratio (total) | < ±30% | -4.8% | ||
(in millions of MNT) | ||||
Related parties | Categary of assets | Balance | % in total Equity | |
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | 4.8% | ||
1.1 | Shareholders of the Bank | – | – | 0.0% |
1.2 | Key management personnel | – | – | 0.0% |
1.3 | Other related parties | Loan | 8,267 | 4.8% |
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | 18.8% | ||
2.1 | Shareholders of the Bank | Loan | 100 | 0.1% |
2.2 | Key management personnel | Loan | 283 | 0.2% |
2.3 | Other related parties | Loan | 32,153 | 18.6% |
Quarter-3,2021 | ||||
(in millions of MNT) | ||||
BALANCE SHEET ITEMS | 31/12/2020 | 30/09/2021 | ||
1 | ASSET | |||
1.1 | Cash and cash equivalents | 108,542 | 122,405 | |
1.2 | Due from banks and financial institutions | – | 25,916 | |
1.3 | Financial investments | 23,197 | 102,328 | |
1.4 | Loans and advances to customers (net) | 216,739 | 388,018 | |
1.4.1 | Performing loans | 211,821 | 382,240 | |
1.4.2 | Past due loans | 5,187 | 7,553 | |
1.4.3 | Non-performing loans | 14,984 | 12,942 | |
1.4.4 | Deferred loan payment | (48) | (122) | |
1.4.5 | Accrued interest receivable | 1,269 | 3,754 | |
1.4.6 | Loan Loss Provision | (16,474) | (18,349) | |
1.5 | Derivative financial assets | – | 157 | |
1.6 | Other financial assets | 150 | 7 | |
1.7 | Other non-financial assets | 1,712 | 6,589 | |
1.8 | Fixed assets (net) | 9,360 | 10,647 | |
1.9 | Intangible assets | 458 | 861 | |
1.10 | Total assets | 360,158 | 656,928 | |
2 | LIABILITIES | |||
2.1 | Current account | 9,825 | 23,747 | |
2.2 | Savings account | 78,073 | 222,392 | |
2.3 | Due to banks and financial instituitions | 132,817 | 127,774 | |
2.4 | Other deposits | 23,001 | 105,025 | |
2.5 | Derivative financial liabilities | – | 122 | |
2.6 | Other liabilities | 7,402 | 6,288 | |
2.7 | Total liabilities | 251,118 | 485,348 | |
3 | EQUITY | |||
3.1 | Share capital | 100,000 | 146,474 | |
3.2 | Revaluation surplus | 1 | 1 | |
3.3 | Retained earnings /loss/ | 8,993 | 25,059 | |
3.4 | Other reserves | 46 | 46 | |
3.5 | Total equity | 109,040 | 171,580 | |
4 | TOTAL LIABILITIES AND EQUITY | 360,158 | 656,928 | |
(in millions of MNT) | ||||
INCOME STATEMENT | 31/12/2020 | 9/31/2021 | ||
1 | Interest income | 44,737 | 33,296 | |
1.1 | From Bank of Mongolia | 326 | 110 | |
1.2 | From Other banks & financial institutions | 3,181 | 675 | |
1.3 | From securities | 3,312 | 2,733 | |
1.4 | From loans | 37,918 | 29,313 | |
1.5 | Other interest income | – | 465 | |
2 | Interest expense | 25,090 | 16,441 | |
2.1 | Interest expense on current account | 614 | – | |
2.2 | Interest expense on savings account | 21,281 | 13,136 | |
2.3 | Interest expense on borrowed funds | 576 | 1,375 | |
2.4 | Interest expense on securities | 1,959 | 1,018 | |
2.5 | Other interest expense | 660 | 912 | |
3 | NET INTEREST INCOME (1-2) | 19,647 | 16,855 | |
4 | Provision expenses (provision reverse income) | 7,957 | (770) | |
4.1 | Deposits at other banks and financial institutions | – | – | |
4.2 | Securities | – | – | |
4.3 | Loans | 7,957 | (770) | |
5 | Net interest income after provision [(3)-(4)] | 11,690 | 17,625 | |
6 | Other income | 6,884 | 3,021 | |
6.1 | Non-interest income | 6,355 | 2,952 | |
6.1.1 | Trading income | 5,263 | 2,544 | |
6.1.2 | Exchange and revaluation adjustment expense | 644 | 179 | |
6.1.3 | Fees and commission income | 448 | 229 | |
6.2 | Other income | 529 | 69 | |
7 | Other expense | 12,435 | 9,681 | |
7.1 | Non-interest expense | 12,166 | 9,432 | |
7.1.1 | Other provision expense | 264 | 1 | |
7.1.2 | Trade expense | 2,727 | 1,507 | |
7.1.3 | Exchange and revaluation adjustment expense | 394 | 258 | |
7.1.4 | Fees and commission expense | 437 | 239 | |
7.1.5 | Other operating expense | 8,344 | 7,427 | |
7.2 | Other expense (5+6-7) | 269 | 249 | |
8 | Profit Before Tax | 6,139 | 10,965 | |
9 | Income tax expense | 665 | 1,499 | |
10 | Profit After Taxes (8-9) | 5,474 | 9,466 | |
11 | Other comprehensive income | (88) | – | |
12 | Total comprehensive income for the year (10+11) | 5,386 | 9,466 | |
(in millions of MNT) | ||||
OFF BALANCE SHEET | 31/12/2020 | 9/31/2021 | ||
Contingencies and commitments (net) | 1,925 | 15,616 | ||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | Limit | 9/31/2021 | ||
Tier 1 ratio | ≥ 9% | 35.3% | ||
Capital adequacy ratio | ≥ 12% | 35.3% | ||
Liquidity | ≥ 25% | 35.4% | ||
Foreign currency open position ratio (by each currency) | < ±15% | -4.3% | ||
Foreign currency open position ratio (total) | < ±30% | -4.4% | ||
(in millions of MNT) | ||||
Related parties | Categary of assets | Balance | % in total Equity | |
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | 4.8% | ||
1.1 | Shareholders of the Bank | – | – | 0.0% |
1.2 | Key management personnel | – | – | 0.0% |
1.3 | Other related parties | Loan | 8,270 | 4.8% |
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | 13.5% | ||
2.1 | Shareholders of the Bank | Loan | 100 | 0.1% |
2.2 | Key management personnel | Loan | 177 | 0.1% |
2.3 | Other related parties | Loan | 22,856 | 13.3% |
Quarter-2,2021 | ||||
(in millions of MNT) | ||||
BALANCE SHEET ITEMS | 31/12/2020 | 30/06/2021 | ||
1 | ASSET | |||
1.1 | Cash and cash equivalents | 108,542 | 73,555 | |
1.2 | Due from banks and financial institutions | – | 14,604 | |
1.3 | Financial investments | 23,197 | 53,077 | |
1.4 | Loans and advances to customers (net) | 216,739 | 257,394 | |
1.4.1 | Performing loans | 211,821 | 250,672 | |
1.4.2 | Past due loans | 5,187 | 7,539 | |
1.4.3 | Non-performing loans | 14,984 | 12,537 | |
1.4.4 | Deferred loan payment | (48) | (67) | |
1.4.5 | Accrued interest receivable | 1,269 | 1,946 | |
1.4.6 | Loan Loss Provision | (16,474) | (15,233) | |
1.5 | Derivative financial assets | – | 29 | |
1.6 | Other financial assets | 150 | 6 | |
1.7 | Other non-financial assets | 1,712 | 5,236 | |
1.8 | Fixed assets (net) | 9,360 | 10,306 | |
1.9 | Intangible assets | 458 | 390 | |
1.10 | Total assets | 360,158 | 414,597 | |
2 | LIABILITIES | |||
2.1 | Current account | 9,825 | 9,372 | |
2.2 | Savings account | 78,073 | 132,362 | |
2.3 | Due to banks and financial instituitions | 132,817 | 94,244 | |
2.4 | Other deposits | 23,001 | 54,364 | |
2.5 | Derivative financial liabilities | – | 22 | |
2.6 | Other liabilities | 7,402 | 8,436 | |
2.7 | Total liabilities | 251,118 | 298,800 | |
3 | EQUITY | |||
3.1 | Share capital | 100,000 | 100,000 | |
3.2 | Revaluation surplus | 1 | 1 | |
3.3 | Retained earnings /loss/ | 8,993 | 15,750 | |
3.4 | Other reserves | 46 | 46 | |
3.5 | Total equity | 109,040 | 115,797 | |
4 | TOTAL LIABILITIES AND EQUITY | 360,158 | 414,597 | |
(in millions of MNT) | ||||
INCOME STATEMENT | 31/12/2020 | 30/06/2021 | ||
1 | Interest income | 44,737 | 19,855 | |
1.1 | From Bank of Mongolia | 326 | 97 | |
1.2 | From Other banks & financial institutions | 3,181 | 537 | |
1.3 | From securities | 3,312 | 1,398 | |
1.4 | From loans | 37,918 | 17,755 | |
1.5 | Other interest income | – | 68 | |
2 | Interest expense | 25,090 | 9,486 | |
2.1 | Interest expense on current account | 614 | – | |
2.2 | Interest expense on savings account | 21,281 | 7,675 | |
2.3 | Interest expense on borrowed funds | 576 | 862 | |
2.4 | Interest expense on securities | 1,959 | 544 | |
2.5 | Other interest expense | 660 | 405 | |
3 | NET INTEREST INCOME (1-2) | 19,647 | 10,369 | |
4 | Provision expenses (provision reverse income) | 7,957 | – | |
4.1 | Deposits at other banks and financial institutions | – | – | |
4.2 | Securities | – | – | |
4.3 | Loans | 7,957 | – | |
5 | Net interest income after provision [(3)-(4)] | 11,690 | 10,369 | |
6 | Other income | 6,884 | 3,134 | |
6.1 | Non-interest income | 6,355 | 3,121 | |
6.1.1 | Trading income | 5,263 | 1,699 | |
6.1.2 | Exchange and revaluation adjustment expense | 644 | 77 | |
6.1.3 | Fees and commission income | 448 | 104 | |
6.1.4 | Other non-interest income | – | 1,241 | |
6.2 | Other income | 529 | 13 | |
7 | Other expense | 12,435 | 5,747 | |
7.1 | Non-interest expense | 12,166 | 5,675 | |
7.1.1 | Other provision expense | 264 | 1 | |
7.1.2 | Trade expense | 2,727 | 936 | |
7.1.3 | Exchange and revaluation adjustment expense | 394 | 167 | |
7.1.4 | Fees and commission expense | 437 | 183 | |
7.1.5 | Other operating expense | 8,344 | 4,388 | |
7.2 | Other expense (5+6-7) | 269 | 72 | |
8 | Profit Before Tax | 6,139 | 7,756 | |
9 | Income tax expense | 665 | 999 | |
10 | Profit After Taxes (8-9) | 5,474 | 6,757 | |
11 | Other comprehensive income | (88) | – | |
12 | Total comprehensive income for the year (10+11) | 5,386 | 6,757 | |
(in millions of MNT) | ||||
OFF BALANCE SHEET | 31/12/2020 | 30/06/2021 | ||
Contingencies and commitments (net) | 1,925 | 6,506 | ||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | Limit | 30/06/2021 | ||
Tier 1 ratio | ≥ 9% | 35.9% | ||
Capital adequacy ratio | ≥ 12% | 35.9% | ||
Liquidity | ≥ 20% | 31.3% | ||
Foreign currency open position ratio (by each currency) | < ±15% | 1.0% | ||
Foreign currency open position ratio (total) | < ±30% | -7.3% | ||
(in millions of MNT) | ||||
Related parties | Categary of assets | Balance | % in total Equity | |
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | 4.8% | ||
1.1 | Shareholders of the Bank | Loan | 5,541 | 4.8% |
1.2 | Key management personnel | – | – | 0.0% |
1.3 | Other related parties | – | – | 0.0% |
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | 4.9% | ||
2.1 | Shareholders of the Bank | Loan | 5,541 | 4.8% |
2.2 | Key management personnel | Loan | 143 | 0.1% |
Quarter-1,2021 | ||||
(in millions of MNT) | ||||
BALANCE SHEET ITEMS | 31/12/2020 | 31/03/2021 | ||
1 | ASSET | |||
1.1 | Cash and cash equivalents | 108,542 | 93,480 | |
1.2 | Due from banks and financial institutions | – | 10,587 | |
1.3 | Financial investments | 23,197 | 26,116 | |
1.4 | Loans and advances to customers (net) | 216,739 | 269,064 | |
1.4.1 | Performing loans | 211,821 | 268,302 | |
1.4.2 | Past due loans | 5,187 | – | |
1.4.3 | Non-performing loans | 14,984 | 16,001 | |
1.4.4 | Deferred loan payment | (48) | (55) | |
1.4.5 | Accrued interest receivable | 1,269 | 2,212 | |
1.4.6 | Loan Loss Provision | (16,474) | (17,396) | |
1.5 | Derivative financial assets | – | – | |
1.6 | Other financial assets | 150 | 10 | |
1.7 | Other non-financial assets | 1,712 | 4,761 | |
1.8 | Fixed assets (net) | 9,360 | 8,748 | |
1.9 | Intangible assets | 458 | 470 | |
1.10 | Total assets | 360,158 | 413,235 | |
2 | LIABILITIES | |||
2.1 | Current account | 9,825 | 9,311 | |
2.2 | Savings account | 78,073 | 122,510 | |
2.3 | Due to banks and financial instituitions | 132,817 | 139,260 | |
2.4 | Other deposits | 23,001 | 25,307 | |
2.5 | Derivative financial liabilities | – | – | |
2.6 | Other liabilities | 7,402 | 5,274 | |
2.7 | Total liabilities | 251,118 | 301,661 | |
3 | EQUITY | |||
3.1 | Share capital | 100,000 | 100,000 | |
3.2 | Revaluation surplus | 1 | 1 | |
3.3 | Retained earnings /loss/ | 8,993 | 11,527 | |
3.4 | Other reserves | 46 | 46 | |
3.5 | Total equity | 109,040 | 111,574 | |
4 | TOTAL LIABILITIES AND EQUITY | 360,158 | 413,235 | |
(in millions of MNT) | ||||
INCOME STATEMENT | 31/12/2020 | 31/03/2021 | ||
1 | Interest income | 44,737 | 9,880 | |
1.1 | From Bank of Mongolia | 326 | 67 | |
1.2 | From Other banks & financial institutions | 3,181 | 515 | |
1.3 | From securities | 3,312 | 390 | |
1.4 | From loans | 37,918 | 8,908 | |
1.5 | Other interest income | – | – | |
2 | Interest expense | 25,090 | 4,353 | |
2.1 | Interest expense on current account | 614 | – | |
2.2 | Interest expense on savings account | 21,281 | 3,550 | |
2.3 | Interest expense on borrowed funds | 576 | 461 | |
2.4 | Interest expense on securities | 1,959 | 205 | |
2.5 | Other interest expense | 660 | 137 | |
3 | NET INTEREST INCOME (1-2) | 19,647 | 5,527 | |
4 | Provision expenses (provision reverse income) | 7,957 | 922 | |
4.1 | Deposits at other banks and financial institutions | – | – | |
4.2 | Securities | – | – | |
4.3 | Loans | 7,957 | 922 | |
5 | Net interest income after provision [(3)-(4)] | 11,690 | 4,605 | |
6 | Other income | 6,884 | 844 | |
6.1 | Non-interest income | 6,355 | 835 | |
6.1.1 | Trading income | 5,263 | 752 | |
6.1.2 | Exchange and revaluation adjustment expense | 644 | 29 | |
6.1.3 | Fees and commission income | 448 | 54 | |
6.1.4 | Other non-interest income | – | 0 | |
6.2 | Other income | 529 | 8 | |
7 | Other expense | 12,435 | 2,599 | |
7.1 | Non-interest expense | 12,166 | 2,555 | |
7.1.1 | Other provision expense | 264 | – | |
7.1.2 | Trade expense | 2,727 | 494 | |
7.1.3 | Exchange and revaluation adjustment expense | 394 | 118 | |
7.1.4 | Fees and commission expense | 437 | 91 | |
7.1.5 | Other operating expense | 8,344 | 1,852 | |
7.2 | Other expense (5+6-7) | 269 | 44 | |
8 | Profit Before Tax | 6,139 | 2,850 | |
9 | Income tax expense | 665 | 316 | |
10 | Profit After Taxes (8-9) | 5,474 | 2,534 | |
11 | Other comprehensive income | (88) | – | |
12 | Total comprehensive income for the year (10+11) | 5,386 | 2,534 | |
(in millions of MNT) | ||||
OFF BALANCE SHEET | 31/12/2020 | 31/03/2021 | ||
Contingencies and commitments (net) | 1,925 | 1,588 | ||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | Limit | 31/03/2021 | ||
Tier 1 ratio | ≥ 9% | 32.9% | ||
Capital adequacy ratio | ≥ 12% | 32.9% | ||
Liquidity | ≥ 20% | 28.2% | ||
Foreign currency open position ratio (by each currency) | < ±15% | 2.8% | ||
Foreign currency open position ratio (total) | < ±30% | 4.8% | ||
(in millions of MNT) | ||||
Related parties | Categary of assets | Balance | % in total Equity | |
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | 4.5% | ||
1.1 | Shareholders of the Bank | – | – | 0.0% |
1.2 | Key management personnel | – | – | 0.0% |
1.3 | Other related parties | Loan | 5,064 | 4.5% |
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | 15.9% | ||
2.1 | Shareholders of the Bank | Loan | – | 0.0% |
2.2 | Key management personnel | Loan | 192 | 0.2% |
Quarter-4,2020 | ||||
(in millions of MNT) | ||||
BALANCE SHEET ITEMS | 31/12/2020 | |||
1 | ASSET | |||
1.1 | Cash and cash equivalents | 108,616.36 | ||
1.2 | Due from banks and financial institutions | – | ||
1.3 | Financial investments | 23,197.25 | ||
1.4 | Loans and advances to customers (net) | 216,691.33 | ||
1.4.1 | Performing loans | 211,821.02 | ||
1.4.2 | Past due loans | 5,186.43 | ||
1.4.3 | Non-performing loans | 14,984.03 | ||
1.4.4 | Deferred loan payment | (48.33) | ||
1.4.5 | Accrued interest receivable | 1,269.22 | ||
1.4.6 | Loan Loss Provision | (16,521.04) | ||
1.5 | Derivative financial assets | – | ||
1.6 | Other financial assets | 226.85 | ||
1.7 | Other non-financial assets | 1,738.64 | ||
1.8 | Fixed assets (net) | 9,360.38 | ||
1.9 | Intangible assets | 458.04 | ||
1.10 | Total assets | 360,288.84 | ||
2 | LIABILITIES | |||
2.1 | Current account | 9,824.70 | ||
2.2 | Savings account | 78,073.11 | ||
2.3 | Due to banks and financial instituitions | 132,816.61 | ||
2.4 | Other deposits | 23,001.02 | ||
2.5 | Derivative financial liabilities | – | ||
2.6 | Other liabilities | 7,426.97 | ||
2.7 | Total liabilities | 251,142.41 | ||
3 | EQUITY | |||
3.1 | Share capital | 100,000.00 | ||
3.2 | Revaluation surplus | 0.57 | ||
3.3 | Retained earnings /loss/ | 9,012.18 | ||
3.4 | Other reserves | 133.69 | ||
3.5 | Total equity | 109,146.43 | ||
4 | TOTAL LIABILITIES AND EQUITY | 360,288.84 | ||
(in millions of MNT) | ||||
INCOME STATEMENT | 31/12/2020 | |||
1 | Interest income | 44,737.17 | ||
1.1 | From Bank of Mongolia | 325.53 | ||
1.2 | From Other banks & financial institutions | 3,180.73 | ||
1.3 | From securities | 3,312.45 | ||
1.4 | From loans | 37,918.46 | ||
1.5 | Other interest income | – | ||
2 | Interest expense | 25,089.65 | ||
2.1 | Interest expense on current account | 613.80 | ||
2.2 | Interest expense on savings account | 21,280.78 | ||
2.3 | Interest expense on borrowed funds | 576.00 | ||
2.4 | Interest expense on securities | 1,959.48 | ||
2.5 | Other interest expense | 659.59 | ||
3 | NET INTEREST INCOME (1-2) | 19,647.52 | ||
4 | Provision expenses (provision reverse income) | 8,004.31 | ||
4.1 | Deposits at other banks and financial institutions | – | ||
4.2 | Securities | – | ||
4.3 | Loans | 8,004.31 | ||
5 | Net interest income after provision [(3)-(4)] | 11,643.22 | ||
6 | Other income | 3,675.82 | ||
6.1 | Non-interest income | 3,234.48 | ||
6.1.1 | Trading income | 2,536.23 | ||
6.1.2 | Exchange and revaluation adjustment expense | 250.27 | ||
6.1.3 | Fees and commission income | 447.98 | ||
6.2 | Other income | 441.34 | ||
7 | Other expense | 9,234.18 | ||
7.1 | Non-interest expense | 8,970.62 | ||
7.1.1 | Other provision expense | 189.35 | ||
7.1.2 | Trade expense | – | ||
7.1.3 | Exchange and revaluation adjustment expense | – | ||
7.1.4 | Fees and commission expense | 436.98 | ||
7.1.5 | Other operating expense | 8,344.29 | ||
7.2 | Other expense (5+6-7) | 263.56 | ||
8 | Profit Before Tax | 6,084.86 | ||
9 | Income tax expense | 591.76 | ||
10 | Profit After Taxes (8-9) | 5,493.09 | ||
11 | Other comprehensive income | – | ||
12 | Total comprehensive income for the year (10+11) | 5,493.90 | ||
(in millions of MNT) | ||||
OFF BALANCE SHEET | 31/12/2020 | |||
Contingencies and commitments (net) | 1,924.78 | |||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | Limit | 31/12/2020 | ||
Tier 1 ratio | ≥ 9% | 37.5% | ||
Capital adequacy ratio | ≥ 12% | 37.5% | ||
Liquidity | ≥ 20% | 28.5% | ||
Foreign currency open position ratio (by each currency) | < ±15% | -9.4% | ||
Foreign currency open position ratio (total) | < ±30% | -9.4% | ||
(in millions of MNT) | ||||
Related parties | Categary of assets | Balance | % in total Equity | |
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | |||
1.1 | Shareholders of the Bank | – | – | 0.0% |
1.2 | Key management personnel | – | – | 0.0% |
1.3 | Other related parties | Loan | 5,000.00 | 4.6% |
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | |||
2.1 | Shareholders of the Bank | Loan | 0.50 | 0.0% |
2.2 | Key management personnel | Loan | 220.48 | 0.2% |
2.3 | Other related parties | Loan | 17,356.84 | 15.9% |
Quarter-3,2020 | |||
FINANCIAL STATEMENT | |||
(in millions of MNT) | |||
Items | 9/30/2020 | ||
1 | ASSET | ||
1.1 | Cash and cash equivalents | 133,563.22 | |
1.2 | Due from banks and financial institutions | – | |
1.3 | Financial investments | 13,191.82 | |
1.3.1 | Investmens in associates | – | |
1.4 | Loans and advances to customers (net) | 250,017.63 | |
1.4.1 | Performing loans | 247,071.17 | |
1.4.2 | Non-performing loans | 13,767.09 | |
1.4.3 | Deferred loan payment | – | |
1.4.4 | Accrued interest receivable | 1,459.94 | |
1.4.5 | Loan Loss Provision | (12,280.57) | |
1.5 | Derivative financial assets | – | |
1.6 | Other financial assets | 11.73 | |
1.7 | Other non-financial assets | 2,167.54 | |
1.8 | Fixed assets (net) | 6,589.46 | |
1.9 | Real estate for investment | – | |
1.10 | Assets for sale | – | |
1.11 | Intangible assets | 519.06 | |
1.12 | Total assets | 406,060.47 | |
2 | LIABILITIES | ||
2.1 | Current account | 13,398.23 | |
2.2 | Savings account | 106,096.43 | |
2.3 | Due to banks and financial instituitions | 156,684.96 | |
2.4 | Other deposits | 13,250.70 | |
2.5 | Other liabilities | 7,444.69 | |
2.10 | Total liabilities | 296,875.00 | |
3 | EQUITY | ||
3.1 | Share capital | 100,000.00 | |
3.2 | Share premium | – | |
3.3 | Treasury shares | – | |
3.4 | Revaluation surplus | 0.57 | |
3.5 | Retained earnings /loss/ | 9,051.21 | |
3.6 | Other reserves | 133.69 | |
3.7 | Total equity | 109,185.47 | |
4 | TOTAL LIABILITIES AND EQUITY | 406,060.47 | |
INCOME STATEMENT | |||
(in millions of MNT) | |||
Items | 9/30/2020 | ||
1 | Interest income | 34,565.97 | |
1.1 | From Bank of Mongolia | 260.60 | |
1.2 | From Other banks & financial institutions | 2,323.27 | |
1.3 | From securities | 2,971.27 | |
1.4 | From loans | 29,010.83 | |
1.5 | Other interest income | – | |
2 | Interest expense | 20,987.08 | |
2.1 | Interest expense on current account | 609.25 | |
2.2 | Interest expense on savings account | 17,790.67 | |
2.3 | Interest expense on borrowed funds | 216.44 | |
2.4 | Interest expense on securities | 1,859.93 | |
2.5 | Other interest expense | 510.79 | |
3 | NET INTEREST INCOME (1-2) | 13,578.88 | |
4 | Provision expenses | 3,751.46 | |
4.1 | Deposits at other banks and financial institutions | – | |
4.2 | Securities | – | |
4.3 | Loans | 3,751.46 | |
5 | Net interest income after provision [(3)-(4)] | 9,827.42 | |
6 | Other income | 3,083.03 | |
6.1 | Non-interest income | 2,706.27 | |
6.1.1 | Trading income | 2,076.15 | |
6.1.2 | Exchange and revaluation adjustment expense | 195.43 | |
6.1.3 | Fees and commission income | 389.55 | |
6.1.4 | Other non-interest income | 45.14 | |
6.2 | Other income | 376.76 | |
7 | Other expense | 6,977.27 | |
7.1 | Non-interest expense | 6,733.78 | |
7.1.1 | Other provision expense | 0.03 | |
7.1.2 | Trade expense | – | |
7.1.3 | Exchange and revaluation adjustment expense | – | |
7.1.4 | Fees and commission expense | 336.98 | |
7.1.5 | Other operating expense | 6,396.77 | |
7.2 | Other expense | 243.49 | |
8 | Profit Before Tax (5+6-7) | 5,933.18 | |
9 | Income tax expense | 401.06 | |
10 | Profit After Taxes (8-9) | 5,532.13 | |
11 | Other comprehensive income | – | |
12 | Total comprehensive income for the year (10+11) | 5,532.13 | |
OFF BALANCE SHEET | |||
(in millions of MNT) | |||
Contingencies and commitments (net) | 2,654.62 | ||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | |||
Ratios | Limit | Bank | |
Tier 1 ratio | ≥ 9% | 31.1% | |
Capital adequacy ratio | ≥ 12% | 31.1% | |
Liquidity | ≥ 20% | 25.5% | |
Foreign currency open position ratio (by each currency) | < ±15% | 1.9% | |
Foreign currency open position ratio (total) | < ±30% | 2.1% |
LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK | |||||||||
(in millions of MNT) | |||||||||
Related parties | Category of assets | Balance | % in total Equity | ||||||
1.0 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | ||||||||
1.1. | Shareholders of the Bank | – | – | – | |||||
1.2. | Key management personnel | – | – | – | |||||
1.3. | Other related parties | Loan | 4.05 | 3.7% | |||||
2.0 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | ||||||||
2.1. | Shareholders of the Bank | – | – | – | |||||
2.2. | Key management personnel | Loan | 0.23 | 0.2% | |||||
2.3. | Other related parties | Loan | 9.66 | 8.6% |
Quarter-2,2020 | |||
FINANCIAL STATEMENT | |||
(in millions of MNT) | |||
Items | 6/30/2020 | ||
1 | ASSET | ||
1.1 | Cash and cash equivalents | 137,160.43 | |
1.2 | Due from banks and financial institutions | – | |
1.3 | Financial investments | 13,134.02 | |
1.3.1 | Investmens in associates | – | |
1.4 | Loans and advances to customers (net) | 252,408.72 | |
1.4.1 | Performing loans | 248,474.88 | |
1.4.2 | Non-performing loans | 14,786.20 | |
1.4.3 | Deferred loan payment | – | |
1.4.4 | Accrued interest receivable | 1,454.35 | |
1.4.5 | Loan Loss Provision | (12,306.71) | |
1.5 | Derivative financial assets | – | |
1.6 | Other financial assets | 2.47 | |
1.7 | Other non-financial assets | 3,699.34 | |
1.8 | Fixed assets (net) | 7,214.57 | |
1.9 | Real estate for investment | – | |
1.10 | Assets for sale | – | |
1.11 | Intangible assets | 627.89 | |
1.12 | Total assets | 414,247.44 | |
2 | LIABILITIES | ||
2.1 | Current account | 24,455.06 | |
2.2 | Savings account | 124,946.91 | |
2.3 | Due to banks and financial instituitions | 150,728.39 | |
2.4 | Other deposits | 250.70 | |
2.5 | Other liabilities | 30,077.96 | |
2.10 | Total liabilities | 330,459.01 | |
3 | EQUITY | ||
3.1 | Share capital | 78,000.00 | |
3.2 | Share premium | – | |
3.3 | Treasury shares | – | |
3.4 | Revaluation surplus | 0.57 | |
3.5 | Retained earnings /loss/ | 5,654.17 | |
3.6 | Other reserves | 133.69 | |
3.7 | Total equity | 83,788.43 | |
4 | TOTAL LIABILITIES AND EQUITY | 414,247.44 | |
INCOME STATEMENT | |||
(in millions of MNT) | |||
Items | 6/30/2020 | ||
1 | Interest income | 23,923.68 | |
1.1 | From Bank of Mongolia | 187.38 | |
1.2 | From Other banks & financial institutions | 1,631.72 | |
1.3 | From securities | 2,398.20 | |
1.4 | From loans | 19,706.38 | |
1.5 | Other interest income | – | |
2 | Interest expense | 15,455.11 | |
2.1 | Interest expense on current account | 604.60 | |
2.2 | Interest expense on savings account | 13,001.28 | |
2.3 | Interest expense on borrowed funds | 65.92 | |
2.4 | Interest expense on securities | 1,434.21 | |
2.5 | Other interest expense | 349.09 | |
3 | NET INTEREST INCOME (1-2) | 8,468.58 | |
4 | Provision expenses | 3,864.58 | |
4.1 | Deposits at other banks and financial institutions | – | |
4.2 | Securities | – | |
4.3 | Loans | 3,864.58 | |
5 | Net interest income after provision [(3)-(4)] | 4,604.00 | |
6 | Other income | 4,026.79 | |
6.1 | Non-interest income | 3,701.67 | |
6.1.1 | Trading income | 2,968.51 | |
6.1.2 | Exchange and revaluation adjustment expense | 401.16 | |
6.1.3 | Fees and commission income | 286.85 | |
6.1.4 | Other non-interest income | 45.14 | |
6.2 | Other income | 325.12 | |
7 | Other expense | 6,375.08 | |
7.1 | Non-interest expense | 6,279.01 | |
7.1.1 | Other provision expense | – | |
7.1.2 | Trade expense | 1,189.57 | |
7.1.3 | Exchange and revaluation adjustment expense | 311.22 | |
7.1.4 | Fees and commission expense | 222.26 | |
7.1.5 | Other operating expense | 4,555.96 | |
7.2 | Other expense | 96.07 | |
8 | Profit Before Tax (5+6-7) | 2,255.70 | |
9 | Income tax expense | 120.61 | |
10 | Profit After Taxes (8-9) | 2,135.09 | |
11 | Other comprehensive income | – | |
12 | Total comprehensive income for the year (10+11) | 2,135.09 | |
OFF BALANCE SHEET | |||
(in millions of MNT) | |||
Contingencies and commitments (net) | 1,932.87 | ||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | |||
Ratios | Limit | Bank | |
Tier 1 ratio | ≥ 9% | 22.2% | |
Capital adequacy ratio | ≥ 12% | 22.2% | |
Liquidity | ≥ 20% | 22.2% | |
Foreign currency open position ratio (by each currency) | < ±15% | 14.2% | |
Foreign currency open position ratio (total) | < ±30% | 16.2% |
LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK | |||||||||
(in millions of MNT) | |||||||||
Related parties | Category of assets | Balance | % in total Equity | ||||||
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | ||||||||
1.1. | Shareholders of the Bank | – | – | – | |||||
1.2. | Key management personnel | – | – | – | |||||
1.3. | Other related parties | Loan | 4,008.63 | 4.8% | |||||
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | ||||||||
2.1. | Shareholders of the Bank | – | – | – | |||||
2.2. | Key management personnel | Loan | 141.48 | 0.2% | |||||
2.3. | Other related parties | Loan | 11,395.61 | 13.6% |
LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK | |||||||||
(in millions of MNT) | |||||||||
Related parties | Category of assets | Balance | % in total Equity | ||||||
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | ||||||||
1.1. | Shareholders of the Bank | – | – | – | |||||
1.2. | Key management personnel | – | – | – | |||||
1.3. | Other related parties | Loan | 4,008.63 | 4.8% | |||||
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | ||||||||
2.1. | Shareholders of the Bank | – | – | – | |||||
2.2. | Key management personnel | Loan | 141.48 | 0.2% | |||||
2.3. | Other related parties | Loan | 11,395.61 | 13.6% |
Quarter-1,2020 | |||
FINANCIAL STATEMENT | |||
(in millions of MNT) | |||
Items | 3/31/2020 | ||
1 | ASSET | ||
1.1 | Cash and cash equivalents | 137,435.97 | |
1.2 | Due from banks and financial institutions | – | |
1.3 | Financial investments | 47,555.46 | |
1.3.1 | Investmens in associates | – | |
1.4 | Loans and advances to customers (net) | 268,927.75 | |
1.4.1 | Performing loans | 258,265.78 | |
1.4.2 | Non-performing loans | 18,553.46 | |
1.4.3 | Deferred loan payment | – | |
1.4.4 | Accrued interest receivable | 2,742.45 | |
1.4.5 | Loan Loss Provision | (10,633.94) | |
1.5 | Derivative financial assets | – | |
1.6 | Other financial assets | 0.28 | |
1.7 | Other non-financial assets | 6,152.64 | |
1.8 | Fixed assets (net) | 7,141.54 | |
1.9 | Real estate for investment | – | |
1.10 | Assets for sale | – | |
1.11 | Intangible assets | 664.78 | |
1.12 | Total assets | 467,878.42 | |
2 | LIABILITIES | ||
2.1 | Current account | 54,413.44 | |
2.2 | Savings account | 149,833.75 | |
2.3 | Due to banks and financial instituitions | 127,659.83 | |
2.4 | Other deposits | 25,227.73 | |
2.5 | Other liabilities | 28,500.86 | |
2.10 | Total liabilities | 385,635.60 | |
3 | EQUITY | ||
3.1 | Share capital | 78,000.00 | |
3.2 | Share premium | – | |
3.3 | Treasury shares | – | |
3.4 | Revaluation surplus | 0.57 | |
3.5 | Retained earnings /loss/ | 4,108.56 | |
3.6 | Other reserves | 133.69 | |
3.7 | Total equity | 82,242.82 | |
4 | TOTAL LIABILITIES AND EQUITY | 467,878.42 | |
INCOME STATEMENT | |||
(in millions of MNT) | |||
Items | 3/31/2020 | ||
1 | Interest income | 12,578.62 | |
1.1 | From Bank of Mongolia | 144.14 | |
1.2 | From Other banks & financial institutions | 891.15 | |
1.3 | From securities | 1,497.08 | |
1.4 | From loans | 10,046.24 | |
1.5 | Other interest income | – | |
2 | Interest expense | 8,995.93 | |
2.1 | Interest expense on current account | 462.52 | |
2.2 | Interest expense on savings account | 7,516.81 | |
2.3 | Interest expense on borrowed funds | 5.17 | |
2.4 | Interest expense on securities | 838.76 | |
2.5 | Other interest expense | 172.67 | |
3 | NET INTEREST INCOME (1-2) | 3,582.69 | |
4 | Provision expenses | 2,311.31 | |
4.1 | Deposits at other banks and financial institutions | – | |
4.2 | Securities | – | |
4.3 | Loans | 2,311.31 | |
5 | Net interest income after provision [(3)-(4)] | 1,271.38 | |
6 | Other income | 1,884.29 | |
6.1 | Non-interest income | 1,696.44 | |
6.1.1 | Trading income | 1,456.87 | |
6.1.2 | Exchange and revaluation adjustment expense | 48.82 | |
6.1.3 | Fees and commission income | 145.60 | |
6.1.4 | Other non-interest income | 45.14 | |
6.2 | Other income | 187.85 | |
7 | Other expense | 2,506.20 | |
7.1 | Non-interest expense | 2,469.42 | |
7.1.1 | Other provision expense | – | |
7.1.2 | Trade expense | – | |
7.1.3 | Exchange and revaluation adjustment expense | – | |
7.1.4 | Fees and commission expense | 96.52 | |
7.1.5 | Other operating expense | 2,372.90 | |
7.2 | Other expense | 36.78 | |
8 | Profit Before Tax (5+6-7) | 649.46 | |
9 | Income tax expense | 59.99 | |
10 | Profit After Taxes (8-9) | 589.48 | |
11 | Other comprehensive income | – | |
12 | Total comprehensive income for the year (10+11) | 589.48 | |
OFF BALANCE SHEET | |||
(in millions of MNT) | |||
Contingencies and commitments (net) | 1,748.52 | ||
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | |||
Ratios | Limit | Bank | |
Tier 1 ratio | ≥ 9% | 23.5% | |
Capital adequacy ratio | ≥ 12% | 23.5% | |
Liquidity | ≥ 20% | 31.8% | |
Foreign currency open position ratio (by each currency) | < ±15% | 4.1% | |
Foreign currency open position ratio (total) | < ±30% | 11.6% |
LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK | |||||||||
/in millions of MNT/ | |||||||||
Related parties | Category of assets | Balance | % in total Equity | ||||||
1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) | ||||||||
1.1. | Shareholders of the Bank | – | – | – | |||||
1.2. | Key management personnel | – | – | – | |||||
1.3. | Other related parties | Loan | 3,941.76 | 4.8% | |||||
2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) | ||||||||
2.1. | Shareholders of the Bank | – | – | – | |||||
2.2. | Key management personnel | Loan | 45.46 | 0.1% | |||||
2.3. | Other related parties | Loan | 8,557.37 | 10.4% |