(MNT million)
| Balance sheet | 30/09/2023 | |
| 1 | Asset | |
| 1.1 | Cash and cash equivalents |
212,146 |
| 1.2 | Due from banks and financial institutions |
69,464 |
| 1.3 | Financial investments |
47,977 |
| 1.4 | Loans and advances to customers (net) |
622,451 |
| 1.4.1 | Performing loans |
564,519 |
| 1.4.2 | Non-performing loans |
81,232 |
| 1.4.3 | Deferred loan payment |
(173) |
| 1.4.4 | Accrued interest receivable |
12,368 |
| 1.4.5 | Loan Loss Provision |
(35,495) |
| 1.5 | Derivative financial assets |
1,779 |
| 1.6 | Other financial assets |
692 |
| 1.7 | Other non-financial assets |
15,242 |
| 1.8 | Fixed assets (net) |
21,710 |
| 1.9 | Properties held for sale |
14,184 |
| 1.10 | Intangible assets |
12,952 |
| 1.11 | Total assets |
1,016,906 |
| 2 | Liabilities | |
| 2.1 | Current accounts |
77,018 |
| 2.2 | Savings accounts |
468,980 |
| 2.3 | Due to banks and financial institutions |
210,370 |
| 2.4 | Other funds |
34,960 |
| 2.5 | Derivative financial liabilities |
2,516 |
| 2.6 | Other liabilities |
32,496 |
| 2.7 | Total liabilities |
826,340 |
| 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 |
35,419 |
| 3.6 | Other reserves |
58 |
| 4 | Total equity |
190,566 |
| 5 | Total liabilities and equity |
1,016,906 |
(MNT million)
| Income statement | 30/09/2023 | |
| 1 | Interest income |
80,756 |
| 1.1 | From Bank of Mongolia |
1,747 |
| 1.2 | From other banks & financial institutions |
2,596 |
| 1.3 | From securities |
5,320 |
| 1.4 | From loans |
67,595 |
| 1.5 | Other interest income |
3,498 |
| 2 | Interest expense |
54,282 |
| 2.1 | Interest expense on current accounts |
1,394 |
| 2.2 | Interest expense on savings accounts |
44,869 |
| 2.3 | Interest expense on borrowed funds |
1,693 |
| 2.4 | Interest expense on securities |
913 |
| 2.5 | Other interest expense |
5,413 |
| 3 | Net interest income (1-2) |
26,474 |
| 4 | Provision expenses (provision reverse income) |
6,044 |
| 4.1 | Deposits at other banks and financial institutions |
– |
| 4.2 | Securities |
– |
| 4.3 | Loans |
6,044 |
| 5 | Net interest income after provision [(3)-(4)] |
20,430 |
| 6 | Other income |
23,538 |
| 6.1 | Non-interest income |
23,433 |
| 6.1.1 | Trading income |
11,017 |
| 6.1.2 | Foreign exchange and revaluation income |
11,445 |
| 6.1.3 | Fees and commission income |
926 |
| 6.1.4 | Other non-interest income |
45 |
| 6.2 | Other income |
105 |
| 7 | Other expense |
39,472 |
| 7.1 | Non-interest expense |
39,182 |
| 7.1.1 | Other provision expense |
9 |
| 7.1.2 | Trading expense |
8,753 |
| 7.1.3 | Foreign exchange and revaluation expense |
10,727 |
| 7.1.4 | Fees and commission expense |
982 |
| 7.1.5 | Other operating expense |
18,711 |
| 7.2 | Non-operating expense |
290 |
| 8 | Profit before tax (5+6-7) |
4,496 |
| 9 | Income tax expense |
211 |
| 10 | Profit after tax (8-9) |
4,285 |
| 11 | Other comprehensive income |
– |
| 12 | Total comprehensive income for the year (10+11) |
4,285 |
(MNT million)
| Off balance sheet items | 30/09/2023 |
| Contingencies and commitments (net) |
14,848 |
| Prudential ratios by the Bank of Mongolia | Limit | 30/09/2023 |
| Tier 1 capital ratio |
≥ 9% |
24.3% |
| Capital adequacy ratio |
≥ 12% |
24.3% |
| Liquidity ratio |
≥ 25% |
29.0% |
| Foreign currency open position ratio (single currency) |
< ±15% |
1.8% |
| Foreign currency open position ratio (total) |
< ±30% |
4.5% |
(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) |
3.3% |
||
| 1.1 | Shareholders |
– |
– |
0.0% |
| 1.2 | Management |
– |
– |
0.0% |
| 1.3 | Other related parties |
Loan |
6,353 |
3.3% |
| 2 | Total Loans and other equivalent assets provided to related parties (less than 20% of capital) |
13.6% |
||
| 2.1 | Shareholders |
Loan |
100 |
0.1% |
| 2.2 | Management |
Loan |
415 |
0.2% |
| 2.3 | Other related parties |
Loan |
25,456 |
13.3% |