(MNT million)
| Balance sheet | 30/06/2023 | ||
| 1 | Asset | ||
| 1.1 | Cash and cash equivalents |
225,711 |
|
| 1.2 | Due from banks and financial institutions |
62,780 |
|
| 1.3 | Financial investments |
37,151 |
|
| 1.4 | Loans and advances to customers (net) |
583,776 |
|
| 1.4.1 | Performing loans |
529,894 |
|
| 1.4.2 | Non-performing loans |
74,564 |
|
| 1.4.3 | Deferred loan payment |
(152) |
|
| 1.4.4 | Accrued interest receivable |
13,899 |
|
| 1.4.5 | Loan Loss Provision |
(34,429) |
|
| 1.5 | Derivative financial assets |
1,197 |
|
| 1.6 | Other financial assets |
558 |
|
| 1.7 | Other non-financial assets |
16,000 |
|
| 1.8 | Fixed assets (net) |
21,710 |
|
| 1.9 | Properties held for sale |
14,184 |
|
| 1.10 | Intangible assets |
12,306 |
|
| 1.11 | Total assets |
975,373 |
|
| 2 | Liabilities | ||
| 2.1 | Current accounts |
70,651 |
|
| 2.2 | Savings accounts |
422,334 |
|
| 2.3 | Due to banks and financial instituitions |
233,108 |
|
| 2.4 | Other funds |
21,290 |
|
| 2.5 | Derivative financial liabilities |
662 |
|
| 2.6 | Other liabilities |
38,155 |
|
| 2.7 | Total liabilities |
786,200 |
|
| 3 | Equity | ||
| 3.1 | Share capital |
146,474 |
|
| 3.2 | Share premium |
15,647 |
|
| 3.3 | Treasury shares |
(7,032) |
|
| 3.4 | Revaluation surplus |
– |
|
| 3.5 | Retained earnings /loss |
34,026 |
|
| 3.6 | Other reserves |
58 |
|
| 4 | Total equity |
189,173 |
|
| 5 | Total liabilities and equity |
975,373 |
|
(MNT million)
| Income statement | 30/06/2023 | |
| 1 | Interest income |
54,870 |
| 1.1 | From Bank of Mongolia |
1,604 |
| 1.2 | From other banks & financial institutions |
1,666 |
| 1.3 | From securities |
3,806 |
| 1.4 | From loans |
43,705 |
| 1.5 | Other interest income |
4,089 |
| 2 | Interest expense |
36,426 |
| 2.1 | Interest expense on current accounts |
943 |
| 2.2 | Interest expense on savings accounts |
28,164 |
| 2.3 | Interest expense on borrowed funds |
1,027 |
| 2.4 | Interest expense on securities |
768 |
| 2.5 | Other interest expense |
5,524 |
| 3 | Net interest income (1-2) |
18,444 |
| 4 | Provision expenses (provision reverse income) |
4,992 |
| 4.1 | Deposits at other banks and financial institutions |
– |
| 4.2 | Securities |
– |
| 4.3 | Loans |
4,992 |
| 5 | Net interest income after provision [(3)-(4)] |
13,452 |
| 6 | Other income |
16,955 |
| 6.1 | Non-interest income |
16,867 |
| 6.1.1 | Trading income |
8,252 |
| 6.1.2 | Foreign exchange and revaluation income |
7,929 |
| 6.1.3 | Fees and commission income |
641 |
| 6.1.4 | Other non-interest income |
45 |
| 6.2 | Other income |
88 |
| 7 | Other expense |
27,248 |
| 7.1 | Non-interest expense |
27,088 |
| 7.1.1 | Other provision expense |
230 |
| 7.1.2 | Trading expense |
7,190 |
| 7.1.3 | Foreign exchange and revaluation expense |
6,048 |
| 7.1.4 | Fees and commission expense |
737 |
| 7.1.5 | Other operating expense |
12,883 |
| 7.2 | Non-operating expense |
160 |
| 8 | Profit before tax (5+6-7) |
3,159 |
| 9 | Income tax expense |
267 |
| 10 | Profit after tax (8-9) |
2,892 |
| 11 | Other comprehensive income |
– |
| 12 | Total comprehensive income for the year (10+11) |
2,892 |
(MNT million)
| Off balance sheet items | 30/06/2023 |
| Contingencies and commitments (net) |
12,164 |
| Prudential ratios by the Bank of Mongolia | Limit | 30/06/2023 |
| Tier 1 ratio |
≥ 9% |
26.0% |
| Capital adequacy ratio |
≥ 12% |
26.0% |
| Liquidity ratio |
≥ 25% |
29.8% |
| Foreign currency open position ratio (single currency) |
< ±15% |
5.2% |
| Foreign currency open position ratio (total) |
< ±30% |
10.9% |
(MNT million)
| Related parties | Category of assets | Outstanding balance | % in total Equity | |
| 1 | Loans and other equivalent assets provided to a related party (less than 5% of capital) |
3.2% |
||
| 1.1 | Shareholders |
– |
– |
0.0% |
| 1.2 | Management |
– |
– |
0.0% |
| 1.3 | Other related parties |
Loan |
6,143 |
3.2% |
| 2 | Total Loans and other equivalent assets provided to related parties (less than 20% of capital) |
13.9% |
||
| 2.1 | Shareholders |
Loan |
100 |
0.1% |
| 2.2 | Management |
Loan |
426 |
0.2% |
| 2.3 | Other related parties |
Loan |
25,702 |
13.6% |