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Financial education News

ТЭЭВЭР ХӨГЖЛИЙН БАНКНЫ 2025 ОНЫ 2 ДУГААР УЛИРЛЫН САНХҮҮГИЙН ТАЙЛАНГ ТАНИЛЦУУЛЖ БАЙНА

2025 оны 6 дугаар сарын 30-ны байдлаар Тээвэр хөгжлийн банкны нийт актив 1.28 их наяд төгрөгт хүрч, өмнөх оны мөн үеэс 37%-иар өссөн бол нийт харилцах, хадгаламжийн багц 812.8 тэрбум төгрөгт хүрч, 95%-ийн өсөлттэй байна.

Тайлант хугацаанд банк активын чанарыг сайжруулж, эх үүсвэрийн өсөлтийг үр дүнтэй удирдсанаар цэвэр ашиг 30%-иар нэмэгдэж 7.2 тэрбум төгрөгт хүрсэн байна.

Монголбанкнаас тогтоосон зохистой харьцааны шалгуур үзүүлэлтүүдийг бүрэн хангаж, банкны эрсдэл даах чадварын үзүүлэлт болох өөрийн хөрөнгийн хүрэлцээний шаардлагыг 8.7 нэгж хувиар давуулан биелүүлж 20.7%-д хүрсэн нь салбарын дунджаас 1.8 нэгж хувиар өндөр үзүүлэлт боллоо.

Банк нь үйл ажиллагааны чанар, эрсдэлийн удирдлага, харилцагчийн үйлчилгээний стандартуудыг тасралтгүй сайжруулсны үр дүнд үйлчилгээний хүртээмж, үр ашиг болон өрсөлдөх чадвараа нэмэгдүүлж, урт хугацааны санхүүгийн тогтвортой байдал, чадавхаа ахиулан дээшлүүллээ.

Мөн 2025 оны 2 дугаар улирлын онцлох үйл явдлаас дурдвал:

  1. Монгол Улсын Засгийн газар, МҮХАҮТ-аас 24 дэх жилдээ зохион байгуулагдсан “ТОП-100” аж ахуйн нэгжийн нэгээр шалгарсан.
  2. БНХАУ-ын Олон улсын банк хоорондын юанийн төлбөр тооцооны CIPS системийн “Шууд оролцогч” гишүүн банкны шалгуурыг ханган Монгол улсад төдийгүй зүүн хойд Азид амжилттайгаар нэвтрүүлсэн анхны банк болсон.
  3. Картын төлбөр тооцооны аюулгүй байдлыг хангах PCI-DSS стандартыг үйл ажиллагаандаа богино хугацаанд амжилттай нэвтрүүлсэн байна.

Бидэнтэй үргэлж хамт байдаг харилцагч, түншүүдийнхээ хамтын ажиллагаанд талархал илэрхийлье.

Та бүхэн санхүүгийн дэлгэрэнгүй мэдээлэлтэй энд дарж танилцаарай.

 

Categories
Quarterly financial statements

2025 year II quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents

210,002

1.2 Due from banks and financial institutions

117,633

1.3 Financial investments

69,489

1.4 Loans and advances to customers (net)

777,116

1.4.1     Performing loans

744,994

1.4.2     Non-performing loans

67,384

1.4.3     Deferred loan payment

(170)

1.4.4     Accrued interest receivable

13,649

1.4.5     Loan loss provision

(48,741)

1.5 Derivative financial assets

468

1.6 Other financial assets

630

1.7 Other non-financial assets

27,277

1.8 Fixed assets

18,352

1.9 Properties held for sale

48,731

1.10 Intangible assets

12,599

1.11 Total assets

1,282,297

2 LIABILITIES
2.1 Current accounts

                            95,102

2.2 Savings accounts

                          656,055

2.3 Due to banks and financial institutions

                          205,216

2.4 Other funds

                          85,102

2.5 Derivative financial liabilities

                               2,018

2.6 Other liabilities

                            24,135

2.7 Total liabilities

                          1,067,628

3 EQUITY
3.1 Share capital

                          146,474

3.2 Share premium

                            15,646

3.3 Treasury shares

                            (7,032)

3.4 Retained earnings

                            55,644

3.5 Other reserves

                                     3,937

3.6 Total equity

                          214,669

4 TOTAL LIABILITIES AND EQUITY

                      1,282,297

 

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)

   39,406

 

INCOME STATEMENT

(MNT million)

1 Interest income

                          74,837

1.1     From Bank of Mongolia

                                  69

1.2     From banks and financial institutions

                                  402

1.3     From securities

                               4,481

1.4     From loans

                          68,157

1.5 Other interest income

                               1,728

2 Interest expense

                            53,399

2.1     Interest expense on current accounts

                               914

2.2     Interest expense on savings accounts

                            45,647

2.3     Interest expense on borrowed funds

                            2,986

2.4     Interest expense on securities

                                  403

2.5     Other interest expenses

                               3,449

3 Net interest income (1-2)

                            21,438

4 Provision expense

5 Net income after provision (3-4)

                            21,438

6 Other income

                            30,363

6.1 Non-interest income

                            28,444

6.1.1     Trading income

                            4,987

6.1.2     Foreign exchange and revaluation income

                            19,014

6.1.3     Fees and commission income

                               985

6.1.4     Other non-interest income

                               3,458

6.2 Other income, gain

                                  1,919

7 Other expenses

                            43,547

7.1 Non-interest expenses

                            43,383

7.1.1     Other provision expense

                               6,089

7.1.2     Trading expense

                               6,018

7.1.3     Foreign exchange and revaluation expense

                            14,883

7.1.4     Fees and commission expense

                               882

7.1.5     Other operating expenses

                            15,511

7.2 Other expenses, losses

                               164

8 Profit Before Tax (5+6-7)

                            8,254

9 Income tax expense

                               1,064

10 Net profit for the year (8-9)

                            7,190

11 Other comprehensive income

                                  –

12 Total comprehensive income for the year (10+11)  

                            7,190

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT PERFORMANCE
Tier 1 capital ratio

≥ 9%

20.7%

Capital adequacy ratio

≥ 12%

20.7%

Liquidity ratio

≥ 25%

28.9%

Foreign currency open position ratio (single currency)

< ±15%

-4.6%

Foreign currency open position ratio (total)

< ±30%

-12.2%

 

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)

3.0%

1.1 Bank shareholders

1.2 Key management personnel

1.3 Other related parties

Loan

6,346

3.0%

2 Total loans and advances to related parties (less than 20% of total equity)

9.4%

2.1 Bank shareholders

Loan

100

0.0%

2.2 Key management personnel

Loan

766

0.4%

2.3 Other related parties

Loan

19,988

9.0%

 

Categories
Financial education News

TRANSBANK WAS RECOGNIZED AS ONE OF MONGOLIA’S TOP-100 ENTERPRISES

TransBank has once again been recognized as one of Mongolia’s “Top 100” enterprises, an award jointly organized for the 24th consecutive year by the Government of Mongolia and the Mongolian National Chamber of Commerce and Industry (MNCCI).

The “Top 100” enterprises are ranked and honored based on official statistics provided by relevant ministries and government agencies. The evaluation emphasizes five key indicators: annual revenue, taxes paid to the state budget, number of employees covered by social insurance, net profit, and total assets. These 100 enterprises, which contribute the largest share to the country’s tax revenue, are rightfully recognized as the main driving force of Mongolia’s economy.

Since its establishment, TransBank has continuously contributed to the development of Mongolia’s banking and financial sector for 28 years by providing comprehensive financial services tailored to customer needs through modern advanced technologies. As a “private bank meeting international standards,” it delivers fast, reliable services and has steadily progressed with numerous achievements, making a tangible impact on the country’s economic growth.

TransBank closed the year 2024 successfully with assets totaling MNT 1.1 trillion, a net profit of MNT 10.6 billion, and a 19% growth in operating income. The bank contributed a total of MNT 4 billion in tax revenue to the state budget.

Among other achievements this year, TransBank swiftly implemented the latest version of the PCI-DSS 4.0.1 standard, issued by the PCI Security Standards Council, to ensure the security of card payment transactions. Additionally, the bank met the criteria to become a “Direct Participant” member of China’s international cross-border yuan payment system, CIPS, successfully implementing the yuan clearing and payment system not only in Mongolia but also in Northeast Asia. TransBank is the first bank to achieve this milestone.

We sincerely wish success and prosperity to our valued customers and partners who have placed their trust in us. At the same time, we express our deep gratitude to the employees and shareholders who have contributed to the bank’s achievements.

Categories
Financial education News

HOW DOES THE BANK ENSURE THE PROTECTION OF YOUR PERSONAL INFORMATION?

The bank is obligated to strictly protect your personal information in accordance with the Law on Banking of Mongolia, the Law on Cybersecurity, the Law on the Protection of Personal Information, and other relevant laws, regulations, and guidelines. The bank must not disclose your information to any third party without your consent. However, in cases where it is legally required, the bank may provide your information to regulatory authorities or competent law enforcement agencies in accordance with Mongolian legislation.

To ensure reliable and secure services, the bank protects customer information through the following measures:

  1. Develops and implements internal policies and procedures to ensure information security;
  2. Employs a team of certified and skilled professionals dedicated to maintaining customer information security;
  3. Protects personal, confidential, and sensitive customer information in compliance with internationally recognized standards such as ISO 27001, PCI DSS, SWIFT CSP, GDPR and others;
  4. Continuously researches and adopts new technologies and innovative solutions to strengthen information security;
  5. Utilizes customer identification and authentication tools to safeguard financial and personal data when delivering services and processing transactions via internet banking and other digital channels;
  6. Regularly conducts information security audits and risk assessments through both regulatory bodies and internationally accredited third-party organizations to validate the bank’s information security practices;
  7. Performs security vulnerability assessments and penetration testing on digital banking platforms and other information systems, making continuous improvements and updates based on the results;
  8. Ensures that all bank employees undergo regular training and instruction on maintaining the confidentiality and security of customer information.

Under the Law on the Protection of Personal Information, you, as a customer, have the right to request the correction, deletion, or verification of the accuracy of your personal data. Therefore, we kindly ask that you review the personal information registered with the bank and promptly update it in the event of any changes.