(in millions of MNT)
| BALANCE SHEET ITEMS | 30/09/2022 | ||
| 1 | ASSET | ||
| 1.1 | Cash and cash equivalents |
212,181 |
|
| 1.2 | Due from banks and financial institutions |
60,848 |
|
| 1.3 | Financial investments |
21,778 |
|
| 1.4 | Loans and advances to customers (net) |
510,101 |
|
| 1.4.1 | Performing loans |
434,219 |
|
| 1.4.2 | Non-performing loans |
92,120 |
|
| 1.4.3 | Deferred loan payment |
(118) |
|
| 1.4.4 | Accrued interest receivable |
9,423 |
|
| 1.4.5 | Loan Loss Provision |
(25,544) |
|
| 1.5 | Derivative financial assets |
2,515 |
|
| 1.6 | Other financial assets |
120 |
|
| 1.7 | Other non-financial assets |
86,279 |
|
| 1.8 | Fixed assets (net) |
12,249 |
|
| 1.9 | Intangible assets |
9,577 |
|
| 1.10 | Total assets |
915,647 |
|
| 2 | LIABILITIES | ||
| 2.1 | Current account |
102,051 |
|
| 2.2 | Savings account |
369,787 |
|
| 2.3 | Due to banks and financial institutions |
221,271 |
|
| 2.4 | Other funds |
26,075 |
|
| 2.5 | Derivative financial liabilities |
3,404 |
|
| 2.6 | Other liabilities |
6,694 |
|
| 2.7 | Total liabilities |
729,282 |
|
| 3 | EQUITY | ||
| 3.1 | Share capital |
146,474 |
|
| 3.2 | Share premium |
15,645 |
|
| 3.3 | Treasury shares |
(7,032) |
|
| 3.4 | Revaluation surplus |
1 |
|
| 3.5 | Retained earnings /loss/ |
24,092 |
|
| 3.6 | Other reserves |
7,184 |
|
| 4 | Total equity |
186,365 |
|
| 5 | TOTAL LIABILITIES AND EQUITY |
915,647 |
|
(in millions of MNT)
| INCOME STATEMENT | 30/09/2022 | |
| 1 | Interest income |
59,723 |
| 1.1 | From Bank of Mongolia |
89 |
| 1.2 | From Other banks & financial institutions |
1,525 |
| 1.3 | From securities |
3,612 |
| 1.4 | From loans |
51,530 |
| 1.5 | Other interest income |
2,968 |
| 2 | Interest expense |
30,329 |
| 2.1 | Interest expense on current account |
– |
| 2.2 | Interest expense on savings account |
25,124 |
| 2.3 | Interest expense on borrowed funds |
1,818 |
| 2.4 | Interest expense on securities |
1,468 |
| 2.5 | Other interest expense |
1,918 |
| 3 | NET INTEREST INCOME (1-2) |
29,394 |
| 4 | Provision expenses (provision reverse income) |
4,807 |
| 4.1 | Deposits at other banks and financial institutions |
– |
| 4.2 | Securities |
– |
| 4.3 | Loans |
4,807 |
| 5 | Net interest income after provision [(3)-(4)] |
24,587 |
| 6 | Other income |
20,001 |
| 6.1 | Non-interest income |
19,761 |
| 6.1.1 | Trading income |
11,579 |
| 6.1.2 | Exchange and revaluation adjustment expense |
7,201 |
| 6.1.3 | Fees and commission income |
977 |
| 6.1.4 | Other non-interest income |
5 |
| 6.2 | Other income |
240 |
| 7 | Other expense |
31,735 |
| 7.1 | Non-interest expense |
31,401 |
| 7.1.1 | Other provision expense |
0 |
| 7.1.2 | Trade expense |
8,410 |
| 7.1.3 | Exchange and revaluation adjustment expense |
6,339 |
| 7.1.4 | Fees and commission expense |
855 |
| 7.1.5 | Other operating expense |
15,797 |
| 7.2 | Other expense |
334 |
| 8 | Profit Before Tax (5+6-7) |
12,853 |
| 9 | Income tax expense |
2,160 |
| 10 | Profit After Taxes (8-9) |
10,693 |
| 11 | Other comprehensive income |
– |
| 12 | Total comprehensive income for the year (10+11) |
10,693 |
(in millions of MNT)
| OFF BALANCE SHEET | 30/09/2022 |
| Contingencies and commitments (net) |
12,841 |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | Limit | 30/09/2022 |
| Tier 1 ratio |
≥ 9% |
26.2% |
| Capital adequacy ratio |
≥ 12% |
26.2% |
| Liquidity |
≥ 25% |
30.3% |
| Foreign currency open position ratio (by each currency) |
< ±15% |
6.0% |
| Foreign currency open position ratio (total) |
< ±30% |
-16.8% |
(in millions of MNT)
| Related parties | Category of assets | Balance | % in total Equity | |
| 1 | Loans and other equivalent asset provided to a related party (less than 5% of capital) |
4.8% |
||
| 1.1 | Shareholders of the Bank |
– |
– |
0.0% |
| 1.2 | Key management personnel |
– |
– |
0.0% |
| 1.3 | Other related parties |
Loan |
8,851 |
4.8% |
| 2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) |
18.9% |
||
| 2.1 | Shareholders of the Bank |
Loan |
100 |
0.1% |
| 2.2 | Key management personnel |
Loan |
350 |
0.2% |
| 2.3 | Other related parties |
Loan |
34,472 |
18.7% |