Author: Nomundari A

TransBank has implemented Multi-Factor Authentication (MFA) for its internet banking service.

This authentication adds an extra layer of security by requiring users to complete an additional verification step when logging in, rather than relying solely on a password.

Why is MFA (Multi-Factor Authentication) important?

1. It helps protect customers’ personal information even if passwords are compromised;
2. It prevents cyber fraud and various types of SMiShing attacks;

3. It ensures a high level of security for both individual and organizational data.

Additionally, for transactions exceeding MNT 5 million for individuals and MNT 20 million for organizations, the OTP verification step can be replaced with MFA (Multi-Factor Authentication).

We provide our customers with instructions on how to perform multi-factor authentication on TransBank’s Internet Banking platform.

SMiShing (SMS Text Phishing) is a type of fraud that has become widespread internationally. Taking advantage of the widespread use of mobile phones for sending and receiving messages, there has been an increasing trend of deception, cyber fraud, and attacks on personal information. In response, we provide the following warnings and recommendations.

1. Be cautious with messages received via phone – Carefully verify links and messages from unknown numbers before opening or responding. Only engage if you are confident about the sender.
2. Do not click on suspicious links – Avoid opening links from unknown or doubtful sources as this is an important step to protect your information.
3. Be careful when scanning QR codes – Even if the source seems trustworthy, always verify and confirm the destination address before proceeding.
4. Keep your device and applications updated regularly – Updates improve security and help prevent attacks.

The bank will never request you to provide confidential information such as your internet banking username or password. If you receive such a request, it is crucial to verify the authenticity of the sender’s official email address and phone number to protect yourself from potential risks.

Cybersecurity starts with your responsibility.

According to Resolution No. 66 of 2025 by the Financial Regulatory Commission, starting from August 1, 2025, a new regulation has come into effect requiring mortgage loan borrowers to obtain life insurance exclusively through long-term insurance companies.

Under this new regulation, individuals who are taking out a mortgage loan for the first time, as well as those whose current insurance contracts have expired and need to be renewed, will be required to enroll in long-term life insurance products.

Currently, borrowers typically choose standard insurance services, which only provide coverage for accidental death. However, the main causes of death among people are illness-related, and common conditions such as stroke and cancer are not covered by the insurance.

The financial risk for mortgage borrowers is directly linked not only to stable income but also to health. If a borrower dies due to illness and is unable to receive compensation, the remaining loan balance must be paid by the co-borrower. Furthermore, if repayment is not possible, the property may be repossessed, placing the borrower’s family under financial strain and risking homelessness.

In contrast, long-term life insurance is a life insurance product that provides compensation equal to the outstanding loan balance if the borrower faces a risk during the validity period of the insurance contract. Specifically, according to the contract, if the borrower dies or suffers a permanent disability of 70% or more due to any illness – including chronic diseases, cancer, or sudden accidents – the insurance company will fully cover the remaining loan balance, protecting you from potential financial risks.

This insurance is reinsured by a foreign company, which ensures reliable claim payments. In addition, it provides 24/7 worldwide protection without any time or geographical restrictions. Furthermore, you have the option to pay the insurance premium either as a one-time payment or annually, according to the terms that suit you best. The premium is uniquely calculated based on your age, gender, loan term, and other factors, making it personalized just for you.

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.