Соронзон туузан карт хэрэглээнээс гарч, ашиглах боломжгүй болж буй тул эрхэм харилцагч та бүхэн туузан картаа шинэчилж, өндөр нууцлал бүхий EMV чиптэй картаар үнэгүй солиулаарай.
Ингэснээр картын нууцлалыг орчин үеийн өндөр түвшинд хангаж, мэдээлэл алдагдах аливаа эрсдэлээс сэргийлэх ач холбогдолтой юм.
Харилцагчийн үйлчилгээний төв: 1800-9999
Flexible and Favorable Conditions
| Credit line | MNT | USD |
| Maximum amount |
Up to 3.5 billion MNT and equivalent currency
|
|
| Interest rate /Monthly/ | 2.0%-1.6% | 1.5%-1.0% |
| Interest rate /annually/ | 24.0%-19.2% | 18.0%-12.0% |
| Commitment rate /annually/ | 4.2%-2.8% | 3.6%-2.0% |
| Term | Up to 12 months | |
| Service fee | 1% of the loan amount /maximum MNT 1,500,000/ | |
| Penalty interest rate | Penalty interest rate /equivalent to 20% of base interest rate/ is added to the base interest rate | |
| Fee for changing the original loan term | 0% | |
| Application fee | MNT 30,000 | |
| Credit recording enquiry fee /during loan analysis procedure/ | Individual – MNT 1,000 Corporate – MNT 1,000 | |
| Explanation: A loan product that allows you to mortgage the original customs documents for cars and heavy-duty machinery that do not have a federal number. |
||
* Effective percentage rate /annual/: MNT 19.69%-24.51%
The bank’s total assets have been sustained at a level exceeding MNT one trillion, culminating at MNT 1.2 trillion. In the fiscal year 2023, the bank achieved a net profit of MNT 10.7 billion, meeting the prudential ratios set by the Central Bank of Mongolia. The liquidity ratio reached 33.8 percent, and the equity ratio was 22.5 percent.
As the year concluded, the total deposits amounted to MNT 677 billion, and the loan portfolio reached MNT 695 billion. We persist in broadening our customer collaboration and strengthening our market share.
The year 2023 was marked by numerous accomplishments in Transport and Development Bank’s internal and external relations. Serving as a trusted advisor and reliable partner to our customers, we take pride in our success in delivering benefits and value through our dedication to social responsibility and the introduction of innovative products and services.
Click here for the financial report for the fourth quarter of 2023.
(MNT million)
| STATEMENT OF FINANCIAL POSITION | 31/12/2022 | 31/12/2023 (Unaudited) |
|
| 1 | ASSETS | ||
| 1.1 | Cash and cash equivalents | 483,493 | 353,296 |
| 1.2 | Due from banks and financial institutions | 69,136 | 78,448 |
| 1.3 | Financial investments | 12,279 | 62,678 |
| 1.4 | Loans and advances to customers (net) | 556,701 | 672,435 |
| 1.4.1 | Performing loans | 497,794 | 632,883 |
| 1.4.2 | Non-performing loans | 77,125 | 62,023 |
| 1.4.3 | Deferred loan payment | (140) | (159) |
| 1.4.4 | Accrued interest receivable | 11,399 | 15,013 |
| 1.4.5 | Loan loss provision | (29,477) | (37,325) |
| 1.5 | Derivative financial assets | 3,813 | 2,443 |
| 1.6 | Other financial assets | 694 | 703 |
| 1.7 | Other non-financial assets | 3,274 | 20,906 |
| 1.8 | Fixed assets | 22,125 | 19,603 |
| 1.9 | Properties held for sale | – | 14,902 |
| 1.10 | Intangible assets | 10,486 | 13,067 |
| 1.11 | Total assets | 1,162,001 | 1,238,481 |
| 2 | LIABILITIES | ||
| 2.1 | Current accounts | 120,912 | 92,072 |
| 2.2 | Savings accounts | 400,133 | 482,662 |
| 2.3 | Due to banks and financial instituitions | 404,291 | 368,160 |
| 2.4 | Other funds | 20,560 | 47,667 |
| 2.5 | Derivative financial liabilities | 5,840 | 3,409 |
| 2.6 | Other liabilities | 24,042 | 47,456 |
| 2.7 | Total liabilities | 975,778 | 1,041,426 |
| 3 | EQUITY | ||
| 3.1 | Share capital | 146,474 | 146,474 |
| 3.2 | Share premium | 15,647 | 15,647 |
| 3.3 | Treasury shares |
(7,032) |
(7,032) |
| 3.4 | Retained earnings | 30,030 | 41,867 |
| 3.5 | Other reserves | 1,104 | 99 |
| 3.6 | Total equity | 186,223 | 197,055 |
| 4 | TOTAL LIABILITIES AND EQUITY | 1,162,001 | 1,238,481 |
| OFF BALANCE SHEET | ||
| Contingencies and commitments (net) | 11,078 | 16,760 |
(MNT million)
| INCOME STATEMENT | 31/12/2022 | 31/12/2023 (Unaudited) |
|
| 1 | Interest income | 84,938 | 117,621 |
| 1.1 | From Bank of Mongolia | 415 | 1,847 |
| 1.2 | From banks and financial institutions | 2,582 | 3,397 |
| 1.3 | From securities | 4,372 | 7,766 |
| 1.4 | From loans | 72,480 | 100,867 |
| 1.5 | Other interest income | 5,089 | 3,744 |
| 2 | Interest expense | 45,956 | 74,205 |
| 2.1 | Interest expense on current accounts | – | 1,877 |
| 2.2 | Interest expense on savings accounts | 37,816 | 61,858 |
| 2.3 | Interest expense on borrowed funds | 2,378 | 2,940 |
| 2.4 | Interest expense on securities | 1,711 | 1,052 |
| 2.5 | Other interest expenses | 4,051 | 6,478 |
| 3 | Net interest income (1-2) | 38,982 | 43,416 |
| 4 | Provision expense | 9,190 | 8,177 |
| 4.1 | Deposits at banks and financial institutions | 768 | 252 |
| 4.2 | Securities | 69 | 6 |
| 4.3 | Loans | 8,353 | 7,919 |
| 5 | Net income after provision (3-4) | 29,792 | 35,239 |
| 6 | Other income | 31,544 | 31,202 |
| 6.1 | Non-interest income | 31,100 | 31,072 |
| 6.1.1 | Trading income | 19,213 | 14,229 |
| 6.1.2 | Foreign exchange and revaluation income | 10,497 | 15,271 |
| 6.1.3 | Fees and commission income | 1,390 | 1,307 |
| 6.1.4 | Other non-interest income | – | 265 |
| 6.2 | Other income, gain | 444 | 130 |
| 7 | Other expenses | 47,704 | 53,850 |
| 7.1 | Non-interest expenses | 47,157 | 53,620 |
| 7.1.1 | Other provision expense | 58 | – |
| 7.1.2 | Trading expense | 15,191 | 10,974 |
| 7.1.3 | Foreign exchange and revaluation expense | 9,376 | 14,939 |
| 7.1.4 | Fees and commission expense | 1,150 | 1,512 |
| 7.1.5 | Other operating expenses | 21,382 | 26,195 |
| 7.2 | Other expenses, losses | 547 | 230 |
| 8 | Profit Before Tax (5+6-7) | 13,632 | 12,591 |
| 9 | Income tax expense | 2,944 | 1,858 |
| 10 | Net profit for the year (8-9) | 10,688 | 10,733 |
| 11 | Other comprehensive income | (76) | 52 |
| 12 | Total comprehensive income for the year (10+11) | 10,612 | 10,785 |
(MNT million)
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio | ≥ 9% | 22.5% |
| Capital adequacy ratio | ≥ 12% | 22.5% |
| Liquidity ratio | ≥ 25% | 33.8% |
| Foreign currency open position ratio (single currency) | < ±15% | -2.9% |
| Foreign currency open position ratio (total) | < ±30% | -8.1% |
(MNT million)
| 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) | 3.2% | ||
| 1.1 | Bank shareholders | – | – | 0.0% |
| 1.2 | Key management personnel | – | – | 0.0% |
| 1.3 | Other related parties | Loan | 6,351 | 3.2% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) | 12.4% | ||
| 2.1 | Bank shareholders | Loan | 100 | 0.1% |
| 2.2 | Key management personnel | Loan | 404 | 0.2% |
| 2.3 | Other related parties | Loan | 23,907 | 12.1% |
The bank’s Customer Service Center is dedicated to providing customers with the best service possible, including identifying their needs, providing accurate and realistic information about the bank’s operations and products, receiving customer feedback, and promptly solving any problems that may arise.
Please contact the Customer Service Center 24 hours a day to get product and service information by calling the new number 1800-9999, visiting the bank’s official website, or sending an email to info@transbank.mn or callcenter@transbank.mn.
Thank you for being our valued customer.