In collaboration with VAULT Club, Transport and Development Bank proudly introduces the “VAULT” co‑branded card—delivering a premium value that brings together exclusive privileges, special discounts, and tailored services in one.
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Author: Nasantsatsral B
Categories
Advantages
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Protected with a modern high‑security EMV chip
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Equipped with contactless payment technology
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Manage your card via Internet banking
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VAULT 10% cashback
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VAULT entrance tax‑free 1+2
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Priority Pass airport lounge service
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Exclusive events
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Debit Card terms and conditions
| Card conditions | Vault Debit card |
| Current account currency | MNT, USD |
| Annual fee | 1,000,000 MNT |
| Validity | 3 years |
| Instant card issue fee | 5,000 MNT |
| ATM cash withdrawals from other banks | 500 MNT or equivalent of other currency |
| Balance inquiry at other banks | 100 MNT or equivalent of other currency |
| Balance inquiry at Domestic banks | |
| Pin code change /Bank, Pinpad/ | 1,000 MNT or equivalent of other currency |
| Reissue fee | 50,000 MNT |
| Daily cash withdrawal limit | 25,000,000 MNT or equivalent of other currency |
| Daily purchase limit | 100,000,000 MNT or equivalent of other currency |
| Current account minimum balance | 1,000 MNT/ 1 USD |
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Required documents
- Required documents:
- For Mongolian citizens: Citizens ID card;
- For Foreign citizens:
- Passport and certificate of alien registration
- And other required documents
Тээвэр хөгжлийн банкны 2025 оны III улирлын байдлаар нийт активын хэмжээ 1.5 их наяд төгрөгт хүрч, нийт татан төвлөрүүлсэн харилцах, хадгаламжийн үлдэгдэл өмнөх оны мөн үеэс 96 хувиар өссөнөөр 1.0 их наяд төгрөгт хүрэв. Тус хугацаанд мөнгөний нийлүүлэлт 7 хувиар өссөн орчинд банкны өсөлт зах зээлийн өсөлтөөс ойролцоогоор 8 дахин өндөр гүйцэтгэлтэй байв. Тайлант хугацаанд активын өгөөжийг нэмэгдүүлэн, зардлын үр ашгийг сайжруулснаар 10.3 тэрбум төгрөгийн цэвэр ашигтайгаар нийт 12.7 тэрбум төгрөгийн татварыг улсын төсөвт бүрдүүлэн ажиллалаа.
Банк нь Монголбанкнаас тогтоосон зохистой харьцааны шалгуур үзүүлэлтүүдийг бүрэн ханган ажиллаж байна. Төлбөр түргэн гүйцэтгэх чадварын харьцаа үзүүлэлт 40 хувь, өөрийн хөрөнгийн зохистой харьцааны доод түвшнийг 10 нэгж хувиар давуулан биелүүлж 20 хувьд хүрсэн нь банкны салбарт тэргүүлэх үзүүлэлттэй байна.
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, харилцагч болон түншүүдийнхээ итгэлийг улам бэхжүүллээ.
2025 оны 3 дугаар улирлын онцлох үйл явдлаас:
- Тээвэр хөгжлийн банк нь Монгол Улсын Засгийн газар, МҮХАҮТ-аас 24 дэх жилдээ зохион байгуулагдсан “ТОП-100” аж ахуйн нэгжийн нэгээр шалгарсан.
- 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.
- Тээвэр хөгжлийн банк нь Монгол Улсын хөгжлийн төлөвлөгөөнд багтсан дэд бүтцийн төслийг дэмжих бондын үйл ажиллагаанд үндсэн андеррайтераар оролцон бондын зорилтот санхүүжилтийг амжилттай татан төвлөрүүлээд байна.
- Картын төлбөр тооцооны аюулгүй байдлыг хангах PCI-DSS стандартыг үйл ажиллагаандаа богино хугацаанд амжилттай нэвтрүүлсэн байна.
- Тээвэр хөгжлийн банкны зээлжих зэрэглэлийн хэтийн төлөвийг Fitch Ratings агентлагаас Тогтвортой хэмээн үнэлэв.
- Тээвэр хөгжлийн банк нь олон улсын 100 гаруй улсад ашиглагддаг UnionPay аппликэйшнд нэгдэж, харилцагчдадаа гадаад төлбөр тооцоог карт болон бэлэн мөнгө авч явах шаардлагагүй зөвхөн өөрийн гар утсаа ашиглан төлбөрөө хормын дотор аюулгүй хийх боломжийг бүрдүүллээ.
Бидэнтэй үргэлж хамт байдаг харилцагч, түнш, хөрөнгө оруулагч, ажилтнуудынхаа хамтын ажиллагаанд талархал илэрхийлье.
Та бүхэн санхүүгийн дэлгэрэнгүй мэдээлэлтэй ЭНД дарж танилцаарай.
(MNT million)
|
STATEMENT OF FINANCIAL POSITION |
30/09/2025 |
|
|
1 |
ASSETS |
|
|
1.1 |
Cash and cash equivalents |
327,495 |
|
1.2 |
Due from banks and financial institutions |
125,935 |
|
1.3 |
Financial investments |
111,333 |
|
1.4 |
Loans and advances to customers (net) |
820,807 |
|
1.4.1 |
Performing loans |
763,078 |
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1.4.2 |
Non-performing loans |
72,468 |
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1.4.3 |
Deferred loan payment |
(178) |
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1.4.4 |
Accrued interest receivable |
30,607 |
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1.4.5 |
Loan loss provision |
(45,168) |
|
1.5 |
Derivative financial assets |
884 |
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1.6 |
Other financial assets |
3,328 |
|
1.7 |
Other non-financial assets |
35,772 |
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1.8 |
Fixed assets |
15,277 |
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1.9 |
Properties held for sale |
48,838 |
|
1.1 |
Intangible assets |
12,738 |
|
1.11 |
Total assets |
1,502,407 |
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2 |
LIABILITIES |
|
|
2.1 |
Current accounts |
179,817 |
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2.2 |
Savings accounts |
741,673 |
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2.3 |
Due to banks and financial instituitions |
211,316 |
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2.4 |
Other funds |
126,942 |
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2.5 |
Derivative financial liabilities |
2,561 |
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2.6 |
Other liabilities |
22,331 |
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2.7 |
Total liabilities |
1,284,640 |
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3 |
EQUITY |
|
|
3.1 |
Share capital |
146,474 |
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3.2 |
Share premium |
15,645 |
|
3.3 |
Treasury shares |
(7,032) |
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3.4 |
Retained earnings |
60,110 |
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3.5 |
Other reserves |
2,570 |
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3.6 |
Total equity |
217,767 |
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4 |
TOTAL LIABILITIES AND EQUITY |
1,502,407 |
(MNT million)
|
INCOME STATEMENT |
30/09/2025 |
|
|
1 |
Interest income |
117,782 |
|
1.1 |
From Bank of Mongolia |
92 |
|
1.2 |
From banks and financial institutions |
491 |
|
1.3 |
From securities |
7,376 |
|
1.4 |
From loans |
107,731 |
|
1.5 |
Other interest income |
2,092 |
|
2 |
Interest expense |
85,053 |
|
2.1 |
Interest expense on current accounts |
1,537 |
|
2.2 |
Interest expense on savings accounts |
73,242 |
|
2.3 |
Interest expense on borrowed funds |
4,718 |
|
2.4 |
Interest expense on securities |
520 |
|
2.5 |
Other interest expenses |
5,036 |
|
3 |
Net interest income (1-2) |
32,729 |
|
4 |
Provision expense |
– |
|
4.1 |
Deposits at banks and financial institutions |
– |
|
4.2 |
Securities |
– |
|
4.3 |
Loans |
– |
|
5 |
Net income after provision (3-4) |
32,729 |
|
6 |
Other income |
38,031 |
|
6.1 |
Non-interest income |
37,889 |
|
6.1.1 |
Trading income |
8,601 |
|
6.1.2 |
Foreign exchange and revaluation income |
20,463 |
|
6.1.3 |
Fees and commission income |
1,784 |
|
6.1.4 |
Other non-interest income |
7,041 |
|
6.2 |
Other income, gain |
142 |
|
7 |
Other expenses |
57,792 |
|
7.1 |
Non-interest expenses |
57,454 |
|
7.1.1 |
Other provision expense |
8,343 |
|
7.1.2 |
Trading expense |
7,920 |
|
7.1.3 |
Foreign exchange and revaluation expense |
17,265 |
|
7.1.4 |
Fees and commission expense |
1,424 |
|
7.1.5 |
Other operating expenses |
22,502 |
|
7.2 |
Other expenses, losses |
338 |
|
8 |
Profit Before Tax (5+6-7) |
12,968 |
|
9 |
Income tax expense |
2,684 |
|
10 |
Net profit for the year (8-9) |
10,284 |
|
11 |
Other comprehensive income |
– |
|
12 |
Total comprehensive income for the year (10+11) |
10,284 |
|
OFF BALANCE SHEET |
|
|
Contingencies and commitments (net) |
31,984 |
|
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
LIMIT |
PERFORMANCE |
|
Tier 1 capital ratio |
≥ 9% |
20.0% |
|
Capital adequacy ratio |
≥ 12% |
20.0% |
|
Liquidity ratio |
≥ 25% |
39.8% |
|
Foreign currency open position ratio (single currency) |
< ±15% |
7.9% |
|
Foreign currency open position ratio (total) |
< ±30% |
16.5% |
|
LOANS AND ADVANCES TO RELATED PARTIES |
CATEGORY OF ASSETS |
BALANCE |
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 |
6,262.03 |
2.9% |
|
2 |
Total loans and advances to related parties (less than 20% of total equity) |
5.0% |
||
|
2.1 |
Bank shareholders |
Loan |
100 |
0.0% |
|
2.2 |
Key management personnel |
Loan |
674 |
0.3% |
|
2.3 |
Other related parties |
Loan |
11,080 |
4.6% |
To ensure the safe use of your payment card, please protect your card’s sensitive information.
- Regularly monitor your daily card transactions via your internet banking account, email notifications, or by subscribing to SMS alerts for real-time updates;
- Keep your card’s sensitive data (such as card number, CVV code, and PIN) confidential and never share it with others;
- Avoid making transactions using magnetic stripe cards when possible, opt for chip-enabled or contactless options instead;
- Always enter your PIN by yourself at ATMs or POS terminals and never disclose it to others;
- When using an ATM, carefully inspect the card reader area for hidden cameras or any suspicious devices that may be used to steal your card information;
- When shopping online, ensure the website is secured with SSL (look for “https://” in the URL) before entering your card details;
- Do not open suspicious links or attachments from unknown sources, and never enter your card information on unverified sites;
- If you change your registered phone number or email address, update your contact details via your nearest branch or through internet banking;
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If your card is lost or stolen, immediately block it using the following channels:
- Call the customer service hotline at 1800-1999 to block your card;
- Deactivate your card through Internet Banking;
- Visit the nearest branch to you.
Instructions to deactivate your card via Internet banking:
If any unauthorized, suspicious, or doubtful transactions are made with your card, you must immediately contact the bank and request an investigation.
As part of its commitment to advancing technological innovation and expanding international connectivity in Mongolia’s financial sector, TransBank has successfully established a partnership with China’s leading technology company, Pax Computer Technology (Shenzhen) Co., Ltd.
Through this collaboration, TransBank is fully equipped with the necessary hardware, software solutions, and professional consulting and support services provided by PAX Technology, enabling seamless integration into the global digital financial network.
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PAX Technology – A Trusted Partner in Global Payment Infrastructure
Pax Computer Technology (Shenzhen) Co., Ltd is a globally recognized provider of advanced payment technologies, offering payment devices, smart POS terminals, and fintech solutions across more than 120 countries. The company delivers cutting-edge, internationally compliant solutions that power the global payments ecosystem.
In addition to hardware supply, PAX Technology also offers a comprehensive suite of services, including:
- System architecture planning;
- Integration and data protection solutions;
- Specialized software and device management tailored for banks and financial institutions.
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Technological Foundation for CIPS Integration
TransBank has successfully ensured the reliable operation of its connection to the international CIPS (Cross-Border Interbank Payment System) for RMB settlements by fully implementing the required technical infrastructure and software solutions through PAX Technology.
This has enabled TransBank to:
- Unlock new opportunities for conducting RMB transactions with China and other international partners;
- Leverage the latest, secure, and high-speed transaction technologies for cross-border payments.
TransBank offers you the convenience and security to link your UnionPay card to the UnionPay app, which is accepted in over 100 countries worldwide, making your international payments easier and safer.
The UnionPay app is a digital platform that not only allows you to make international payments but also offers a variety of financial services in one place, including online shopping, sending international remittances, and accessing country-specific discounts and promotions.
Advantages of Making Payments with the UnionPay App:
- Since most payments in China are accepted via WeChat and Alipay, linking your card to the UnionPay app allows you to make payments directly anywhere – whether in taxis, metro stations, or stores – without any additional fees.
- By linking your card to the UnionPay app, there’s no need to carry cash; you can pay instantly using just your mobile phone.
- UnionPay is certified with high information security standards, ensuring your card details are fully protected from leakage.
- Additionally, you can enjoy special discounts and promotions every time you shop at over 60 million merchants registered in the UnionPay International network.
To use the UnionPay app, you need to link only a UnionPay-branded card. If you are not yet a customer, click HERE to learn more about TransBank’s UnionPay card.