| Quarter-3,2019 |
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|
|
| FINANCIAL STATEMENT |
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|
|
|
|
|
|
(in millions of MNT) |
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| Items |
9/30/2019 |
|
| 1 |
ASSET |
|
| 1.1 |
Cash and cash equivalents |
141,119.03 |
|
| 1.2 |
Due from banks and financial institutions |
10,003.42 |
|
| 1.3 |
Financial investments |
66,622.52 |
|
| 1.3.5 |
Investmens in associates |
– |
|
| 1.4 |
Loans and advances to customers (net) |
280,025.29 |
|
| 1.4.1 |
Performing loans |
266,977.14 |
|
| 1.4.2 |
Non-performing loans |
13,611.02 |
|
| 1.4.6 |
Deferred loan payment |
– |
|
| 1.4.7 |
Accrued interest receivable |
1,950.75 |
|
| 1.4.8 |
Loan Loss Provision |
(2,513.62) |
|
| 1.5 |
Derivative financial assets |
– |
|
| 1.6 |
Other financial assets |
1.71 |
|
| 1.7 |
Other non-financial assets |
13,115.29 |
|
| 1.8 |
Fixed assets (net) |
4,201.97 |
|
| 1.9 |
Real estate for investment |
– |
|
| 1.10 |
Assets for sale |
– |
|
| 1.11 |
Intangible assets |
529.31 |
|
| 1.12 |
Total assets |
515,618.54 |
|
| 2 |
LIABILITIES |
|
| 2.1 |
Current account |
39,587.50 |
|
| 2.2 |
Savings account |
144,868.52 |
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| 2.3 |
Due to banks and financial instituitions |
179,269.97 |
|
| 2.4 |
Other deposits |
31,597.65 |
|
| 2.5 |
Other liabilities |
35,568.16 |
|
| 2.10 |
Total liabilities |
430,891.81 |
|
| 3 |
EQUITY |
|
| 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/ |
6,633.23 |
|
| 3.6 |
Other reserves |
92.93 |
|
| 3.7 |
Total equity |
84,726.73 |
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| 4 |
TOTAL LIABILITIES AND EQUITY |
515,618.54 |
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| INCOME STATEMENT |
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|
(in millions of MNT) |
|
| Items |
9/30/2019 |
|
| 1 |
Interest income |
43,812.03 |
|
| 1.1 |
From Bank of Mongolia |
52.35 |
|
| 1.2 |
From Other banks & financial institutions |
3,419.95 |
|
| 1.3 |
From securities |
8,623.65 |
|
| 1.4 |
From loans |
31,716.09 |
|
| 1.5 |
Other interest income |
– |
|
| 2 |
Interest expense |
29,675.25 |
|
| 2.1 |
Interest expense on current account |
592.02 |
|
| 2.2 |
Interest expense on savings account |
23,728.22 |
|
| 2.3 |
Interest expense on borrowed funds |
7.80 |
|
| 2.4 |
Interest expense on securities |
5,197.57 |
|
| 2.5 |
Other interest expense |
149.65 |
|
| 3 |
NET INTEREST INCOME (1-2) |
14,136.78 |
|
| 4 |
Provision expenses |
599.71 |
|
| 4.1 |
Deposits at other banks and financial institutions |
– |
|
| 4.2 |
Securities |
– |
|
| 4.3 |
Loans |
599.71 |
|
| 5 |
Net interest income after provision [(3)-(4)] |
13,537.08 |
|
| 6 |
Other income |
1,277.04 |
|
| 6.1 |
Non-interest income |
991.01 |
|
| 6.1.1 |
Trading income |
294.94 |
|
| 6.1.2 |
Exchange and revaluation adjustment expense |
181.27 |
|
| 6.1.3 |
Fees and commission income |
514.80 |
|
| 6.1.4 |
Other non-interest income |
– |
|
| 6.2 |
Other income |
286.04 |
|
| 7 |
Other expense |
5,421.21 |
|
| 7.1 |
Non-interest expense |
5,274.23 |
|
| 7.1.1 |
Other provision expense |
47.76 |
|
| 7.1.2 |
Trade expense |
– |
|
| 7.1.3 |
Exchange and revaluation adjustment expense |
– |
|
| 7.1.4 |
Fees and commission expense |
304.11 |
|
| 7.1.5 |
Other operating expense |
4,922.37 |
|
| 7.2 |
Other expense |
146.98 |
|
| 8 |
Profit Before Tax (5+6-7) |
9,392.91 |
|
| 9 |
Income tax expense |
1,881.76 |
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| 10 |
Profit After Taxes (8-9) |
7,511.15 |
|
| 11 |
Other comprehensive income |
– |
|
| 12 |
Total comprehensive income for the year (10+11) |
7,511.15 |
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| OFF BALANCE SHEET |
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|
(in millions of MNT) |
|
| Contingencies and commitments (net) |
2,629.91 |
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| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
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|
|
|
| Ratios |
Limit |
Bank |
| Tier 1 ratio |
≥ 9% |
21.2% |
| Capital adequacy ratio |
≥ 12% |
21.2% |
| Liquidity |
≥ 25% |
33.0% |
| Foreign currency open position ratio (by each currency) |
< ±15% |
-5.8% |
| Foreign currency open position ratio (total) |
< ±30% |
-5.8% |