Author: Nomundari A

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.

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.

According to Resolution No. 66 of the Financial Regulatory Commission (FRC) of Mongolia, starting August 1, 2025, a new regulation will require all mortgage loan borrowers to obtain life insurance exclusively through long-term life insurance providers.

Under this new regulation, individuals applying for a new mortgage loan, as well as those whose current insurance contracts are expiring and need to be renewed, must now enroll in a long-term life insurance policy.

At present, most borrowers are covered under general insurance, which typically provides protection only in the event of accidental death. However, the leading causes of death in Mongolia are illness-related, meaning general insurance policies do not cover deaths caused by common conditions such as stroke or cancer.

Mortgage-related financial risks are not only tied to income stability, but also closely connected to a borrower’s health condition. If a borrower were to pass away due to illness and no compensation is paid out, the responsibility for the outstanding loan falls on the co-borrower. In cases where the co-borrower is unable to repay the loan, the property may be repossessed, placing the family under severe financial pressure and at risk of losing their home.

Long-term life insurance is a life insurance product that provides compensation equivalent to the outstanding loan amount in the event the borrower faces a risk during the term of the insurance contract. Specifically, in cases where the borrower passes away due to illness (including chronic diseases and cancer) or an accident, or suffers a permanent disability of 70% or more, the insurance company will fully repay the remaining loan balance, thereby protecting the borrower and their family from potential financial risk.

This type of insurance is reinsured by an international reinsurer, which ensures the reliability of the compensation and offers 24/7 global protection, regardless of time or geographic location. Additionally, the insurance premium can be paid either as a lump sum or annually, depending on the borrower’s preference. Premiums are calculated individually based on factors such as age, gender, and loan term, making the insurance tailored specifically to each borrower.