January 2025 – Page 5

STATEMENT OF FINANCIAL POSITION

(MNT million)

1	ASSETS
1.1	Cash and cash equivalents	196,477
1.2	Due from banks and financial institutions	70,253
1.3	Financial investments	125,530
1.4	Loans and advances to customers (net)	636,839
1.4.1	Performing loans	619,776
1.4.2	Non-performing loans	59,125
1.4.3	Deferred loan payment	(103)
1.4.4	Accrued interest receivable	9,425
1.4.5	Loan loss provision	(51,384)
1.5	Derivative financial assets	909
1.6	Other financial assets	559
1.7	Other non-financial assets	33,092
1.8	Fixed assets	16,531
1.9	Properties held for sale	17,749
1.1	Intangible assets	12,927
1.11	Total assets	1,110,866
2	LIABILITIES
2.1	Current accounts	69,976
2.2	Savings accounts	505,198
2.3	Due to banks and financial institutions	177,796
2.4	Other funds	131,114
2.5	Derivative financial liabilities	2,109
2.6	Other liabilities	16,113
2.7	Total liabilities	902,306
3	EQUITY
3.1	Share capital	146,474
3.2	Share premium	15,647
3.3	Treasury shares	(7,032)
3.4	Retained earnings	53,434
3.5	Other reserves	37
3.6	Total equity	208,560
4	TOTAL LIABILITIES AND EQUITY	1,110,866

(MNT million)

OFF BALANCE SHEET

Contingencies and commitments (net)

13,808

INCOME STATEMENT

(MNT million)

1	Interest income	135,108
1.1	From Bank of Mongolia	232
1.2	From banks and financial institutions	873
1.3	From securities	7,815
1.4	From loans	124,115
1.5	Other interest income	2,073
2	Interest expense	86,845
2.1	Interest expense on current accounts	1,335
2.2	Interest expense on savings accounts	59,729
2.3	Interest expense on borrowed funds	20,195
2.4	Interest expense on securities	404
2.5	Other interest expenses	5,182
3	Net interest income (1-2)	48,263
4	Provision expense	13,429
4.1	Deposits at banks and financial institutions	23
4.2	Securities	–
4.3	Loans	13,406
5	Net income after provision (3-4)	34,834
6	Other income	27,824
6.1	Non-interest income	27,577
6.1.1	Trading income	11,201
6.1.2	Foreign exchange and revaluation income	13,346
6.1.3	Fees and commission income	1,567
6.1.4	Other non-interest income	1,463
6.2	Other income, gain	247
7	Other expenses	48,146
7.1	Non-interest expenses	46,977
7.1.1	Other provision expense	1,947
7.1.2	Trading expense	4,178
7.1.3	Foreign exchange and revaluation expense	12,751
7.1.4	Fees and commission expense	1,619
7.1.5	Other operating expenses	26,482
7.2	Other expenses, losses	1,169
8	Profit Before Tax (5+6-7)	14,512
9	Income tax expense	2,842
10	Net profit for the year (8-9)	11,670
11	Other comprehensive income	(62)
12	Total comprehensive income for the year (10+11)	11,608

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA	LIMIT	PERFORMANCE
Tier 1 capital ratio	≥ 9%	25.2%
Capital adequacy ratio	≥ 12%	25.2%
Liquidity ratio	≥ 25%	31.8%
Foreign currency open position ratio (single currency)	< ±15%	8.2%
Foreign currency open position ratio (total)	< ±30%	12.3%

LOANS AND ADVANCES TO RELATED PARTIES		CATEGORY OF ASSETS	BALANCE (MNT million)	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	6,057	2.9%
2	Total loans and advances to related parties (less than 20% of total equity)			10.6%
2.1	Bank shareholders	Loan	100	0.0%
2.2	Key management personnel	Loan	1,090	0.5%
2.3	Other related parties	Loan	20,939	10.0%

Card	Co-Branded metal debit card (VISA)
	Gold	Platinum
Card period	5 years
Admission fee	0 MNT
Annual fee	900,000 MNT	1,800,000 MNT
Minimum balance	300,000 MNT, 100 USD, 500 CNY
Currency	MNT, USD, CNY
Reorder Fee	1,500,000 MNT

Contact
Name of Representative Office:	Tokyo Representative Office
Address:	〒100-0004　東京都千代田区大手町１－５－１大手町ファーストスクエアイースト\タワー４F
Telephone number:	03-5219-1440
Chief Representative:	Hajime Uchida
E-mail address:	Tokyo.office@transbank.mn
Website:	www.transbank.jp