| Quarter-2,2019 |
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|
| FINANCIAL STATEMENT |
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|
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|
(in millions of MNT) |
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| Items |
6/30/2019 |
|
| 1 |
ASSET |
|
| 1.1 |
Cash and cash equivalents |
123,003.92 |
|
| 1.2 |
Due from banks and financial institutions |
10,010.27 |
|
| 1.3 |
Financial investments |
85,410.09 |
|
| 1.3.5 |
Investmens in associates |
|
|
| 1.4 |
Loans and advances to customers (net) |
289,527.99 |
|
| 1.4.1 |
Performing loans |
281,350.94 |
|
| 1.4.2 |
Non-performing loans |
9,200.00 |
|
| 1.4.6 |
Deferred loan payment |
– |
|
| 1.4.7 |
Accrued interest receivable |
1,301.20 |
|
| 1.4.8 |
Loan Loss Provision |
(2,324.15) |
|
| 1.5 |
Derivative financial assets |
– |
|
| 1.6 |
Other financial assets |
(0.03) |
|
| 1.7 |
Other non-financial assets |
873.62 |
|
| 1.8 |
Fixed assets (net) |
4,490.18 |
|
| 1.9 |
Real estate for investment |
– |
|
| 1.10 |
Assets for sale |
– |
|
| 1.11 |
Intangible assets |
525.99 |
|
| 1.12 |
Total assets |
513,842.04 |
|
| 2 |
LIABILITIES |
|
| 2.1 |
Current account |
20,749.21 |
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| 2.2 |
Savings account |
126,650.18 |
|
| 2.3 |
Due to banks and financial instituitions |
196,350.83 |
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| 2.4 |
Other deposits |
53,810.56 |
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| 2.5 |
Other liabilities |
34,481.14 |
|
| 2.10 |
Total liabilities |
432,041.92 |
|
| 3 |
EQUITY |
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| 3.1 |
Share capital |
78,000.00 |
|
| 3.2 |
Share premium |
|
|
| 3.3 |
Treasury shares |
|
|
| 3.4 |
Revaluation surplus |
0.57 |
|
| 3.5 |
Retained earnings /loss/ |
3,706.61 |
|
| 3.6 |
Other reserves |
92.93 |
|
| 3.7 |
Total equity |
81,800.11 |
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| 4 |
TOTAL LIABILITIES AND EQUITY |
513,842.04 |
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| INCOME STATEMENT |
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|
(in millions of MNT) |
|
| Items |
6/30/2019 |
|
| 1 |
Interest income |
28,393.10 |
|
| 1.1 |
From Bank of Mongolia |
46.08 |
|
| 1.2 |
From Other banks & financial institutions |
2,300.40 |
|
| 1.3 |
From securities |
5,552.01 |
|
| 1.4 |
From loans |
20,524.61 |
|
| 1.5 |
Other interest income |
– |
|
| 2 |
Interest expense |
19,488.31 |
|
| 2.1 |
Interest expense on current account |
286.60 |
|
| 2.2 |
Interest expense on savings account |
15,599.71 |
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| 2.3 |
Interest expense on borrowed funds |
2.95 |
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| 2.4 |
Interest expense on securities |
3,498.71 |
|
| 2.5 |
Other interest expense |
100.35 |
|
| 3 |
NET INTEREST INCOME (1-2) |
8,904.78 |
|
| 4 |
Provision expenses |
413.00 |
|
| 4.1 |
Deposits at other banks and financial institutions |
– |
|
| 4.2 |
Securities |
– |
|
| 4.3 |
Loans |
413.00 |
|
| 5 |
Net interest income after provision [(3)-(4)] |
8,491.79 |
|
| 6 |
Other income |
736.18 |
|
| 6.1 |
Non-interest income |
506.92 |
|
| 6.1.1 |
Trading income |
– |
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| 6.1.2 |
Exchange and revaluation adjustment expense |
147.78 |
|
| 6.1.3 |
Fees and commission income |
359.14 |
|
| 6.1.4 |
Other non-interest income |
– |
|
| 6.2 |
Other income |
229.26 |
|
| 7 |
Other expense |
3,751.17 |
|
| 7.1 |
Non-interest expense |
3,637.07 |
|
| 7.1.1 |
Other provision expense |
47.76 |
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| 7.1.2 |
Trade expense |
83.05 |
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| 7.1.3 |
Exchange and revaluation adjustment expense |
– |
|
| 7.1.4 |
Fees and commission expense |
172.36 |
|
| 7.1.5 |
Other operating expense |
3,333.91 |
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| 7.2 |
Other expense |
114.10 |
|
| 8 |
Profit Before Tax (5+6-7) |
5,476.80 |
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| 9 |
Income tax expense |
892.27 |
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| 10 |
Profit After Taxes (8-9) |
4,584.53 |
|
| 11 |
Other comprehensive income |
– |
|
| 12 |
Total comprehensive income for the year (10+11) |
4,584.53 |
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| OFF BALANCE SHEET |
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|
(in millions of MNT) |
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| Contingencies and commitments (net) |
2,550.28 |
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| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
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|
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| Ratios |
Limit |
Bank |
| Tier 1 ratio |
≥ 9% |
21.0% |
| Capital adequacy ratio |
≥ 12% |
21.0% |
| Liquidity |
≥ 25% |
37.3% |
| Foreign currency open position ratio (by each currency) |
< ±15% |
3.0% |
| Foreign currency open position ratio (total) |
< ±40% |
3.2% |