Author: Sharavjamts e
Categories
2024 оны I улирал
(MNT million)
| STATEMENT OF FINANCIAL POSITION |
31/03/2024 |
|
| 1 | ASSETS | |
| 1.1 | Cash and cash equivalents |
217,295 |
| 1.2 | Due from banks and financial institutions |
72,350 |
| 1.3 | Financial investments |
72,145 |
| 1.4 | Loans and advances to customers (net) |
680,793 |
| 1.4.1 | Performing loans |
647,070 |
| 1.4.2 | Non-performing loans |
58,622 |
| 1.4.3 | Deferred loan payment |
(159) |
| 1.4.4 | Accrued interest receivable |
15,776 |
| 1.4.5 | Loan loss provision |
(40,516) |
| 1.5 | Derivative financial assets |
2,325 |
| 1.6 | Other financial assets |
569 |
| 1.7 | Other non-financial assets |
15,204 |
| 1.8 | Fixed assets |
19,142 |
| 1.9 | Properties held for sale |
26,184 |
| 1.10 | Intangible assets |
13,215 |
| 1.11 | Total assets |
1,119,222 |
| 2 | LIABILITIES | |
| 2.1 | Current accounts |
82,796 |
| 2.2 | Savings accounts |
491,964 |
| 2.3 | Due to banks and financial instituitions |
234,434 |
| 2.4 | Other funds |
78,281 |
| 2.5 | Derivative financial liabilities |
3,354 |
| 2.6 | Other liabilities |
25,835 |
| 2.7 | Total liabilities |
916,664 |
| 3 | EQUITY | |
| 3.1 | Share capital |
146,474 |
| 3.2 | Share premium |
15,647 |
| 3.3 | Treasury shares |
(7,032) |
| 3.4 | Retained earnings |
47,370 |
| 3.5 | Other reserves |
99 |
| 3.6 | Total equity |
202,558 |
| 4 | TOTAL LIABILITIES AND EQUITY |
1,119,222 |
(MNT million)
| OFF BALANCE SHEET | |
| Contingencies and commitments (net) |
16,091 |
(MNT million)
| INCOME STATEMENT |
31/03/2024 |
|
| 1 | Interest income |
35,199 |
| 1.1 | From Bank of Mongolia |
56 |
| 1.2 | From banks and financial institutions |
337 |
| 1.3 | From securities |
3,017 |
| 1.4 | From loans |
31,254 |
| 1.5 | Other interest income |
535 |
| 2 | Interest expense |
21,417 |
| 2.1 | Interest expense on current accounts |
558 |
| 2.2 | Interest expense on savings accounts |
17,808 |
| 2.3 | Interest expense on borrowed funds |
1,515 |
| 2.4 | Interest expense on securities |
201 |
| 2.5 | Other interest expenses |
1,335 |
| 3 | Net interest income (1-2) |
13,782 |
| 4 | Provision expense |
2,626 |
| 4.1 | Deposits at banks and financial institutions |
– |
| 4.2 | Securities |
– |
| 4.3 | Loans |
2,626 |
| 5 | Net income after provision (3-4) |
11,156 |
| 6 | Other income |
8,057 |
| 6.1 | Non-interest income |
7,973 |
| 6.1.1 | Trading income |
1,912 |
| 6.1.2 | Foreign exchange and revaluation income |
5,598 |
| 6.1.3 | Fees and commission income |
379 |
| 6.1.4 | Other non-interest income |
84 |
| 6.2 | Other income, gain |
84 |
| 7 | Other expenses |
13,004 |
| 7.1 | Non-interest expenses |
12,896 |
| 7.1.1 | Other provision expense |
– |
| 7.1.2 | Trading expense |
1,390 |
| 7.1.3 | Foreign exchange and revaluation expense |
4,963 |
| 7.1.4 | Fees and commission expense |
305 |
| 7.1.5 | Other operating expenses |
6,238 |
| 7.2 | Other expenses, losses |
108 |
| 8 | Profit Before Tax (5+6-7) |
6,209 |
| 9 | Income tax expense |
549 |
| 10 | Net profit for the year (8-9) |
5,660 |
| 11 | Other comprehensive income |
– |
| 12 | Total comprehensive income for the year (10+11) |
5,660 |
| LOANS AND ADVANCES TO RELATED PARTIES | CATEGORY OF ASSETS | BALANCE (MNT million) |
PERCENT OF TOTAL EQUITY | |
| 1 | Loans and advances to a related party (less than 5% of total equity) |
3.3% |
||
| 1.1 | Bank shareholders |
– |
– |
0.0% |
| 1.2 | Key management personnel |
– |
– |
0.0% |
| 1.3 | Other related parties |
Loan |
6,666 |
3.3% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) |
12.0% |
||
| 2.1 | Bank shareholders |
Loan |
100 |
0.0% |
| 2.2 | Key management personnel |
Loan |
544 |
0.3% |
| 2.3 | Other related parties |
Loan |
23,856 |
11.7% |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio |
≥ 9% |
23.0% |
| Capital adequacy ratio |
≥ 12% |
23.0% |
| Liquidity ratio |
≥ 25% |
30.1% |
| Foreign currency open position ratio (single currency) |
< ±15% |
-4.9% |
| Foreign currency open position ratio (total) |
< ±30% |
-12.7% |
Categories
We offer our term deposit service in Mongolian Tugriks (MNT) and USD, with high interest rate on the market today.
Categories
Advantages
- Enjoy the highest interest rate from our bank
- Access and manage your bank term deposit account using online banking services.
- No restrictions are applied for deposit transactions
Categories
Terms and conditions
| Terms | MNT | USD |
| Tenors | Annual interest rates | |
| 6 months | 11.00% | 4.00% |
| 12 months | 14.00% | 4.00% |
| Interest rate upon early termination of contract /annual/ | 2.40% | 1.20% |
| Minimum deposit requirement | 10,000 MNT | 10 USD |
| Interest rate payments | At maturity date | |
| Withdrawal condition | At maturity date | |
Categories
Fees and charges
Categories
Eligibility or required documents
- Application form for legal entities
- An official letter for opening a new bank account
- An original copy and a copy of license from the Mongolian Financial Regulatory Commission
- Notarized copy of “State Registration Certificate”
- Notarized copy of Company’s “Charter or Memorandum of Association (MOA)
- Notarized signature of applicant /download here/
- Declaration of Beneficial Ownership /download here/
- Copy of ID card of the authorized personnel to dispose with an account;
- Additional documents /if necessary/
Categories
A risk-free savings account that will increase your savings for a certain fixed period, at high interest rate.
Categories
Advantages
- Enjoy the highest interest rate from our bank
- Access and manage your bank term deposit account using online banking services.
- No restrictions are applied for deposit transactions;
Categories
Terms and conditions
| Terms | MNT | USD |
| Tenors | Annual interest rates | |
| 6 months | 11.00% | 4.00% |
| 12 months | 14.00% | 4.00% |
| Interest rate upon early termination of contract /annual/ | 2.40% | 1.20% |
| Minimum deposit requirement | 10,000 MNT | 10 USD |
| Interest rate payments | At maturity date | |
| Withdrawal condition | At maturity date | |
Categories
Fees and charges
Categories
Eligibility or required documents
- Customer application form
- Documents required:
- For Mongolian citizens: Citizens ID card;
- For Foreign citizens: Passport and certificate of alien registration.
“Дэлхийн мөнгөний долоо хоног” аяныг “Мөнгөө эрсдэлээс хамгаалж, ирээдүйгээ баталгаажуулъя” уриан дор Монголбанк, Цагдаагийн ерөнхий газар, Хадгаламжийн даатгалын корпораци, ХБНГУ-ын Шпаркассе банкны Монгол дахь сан, арилжааны банкууд болон бусад холбогдох байгууллагууд хамтран 3-р сарын 20-ноос 4-р сарын 10-ны өдөр хүртэл орон даяар зохион байгуулахаар өнөөдөр нээлтийн арга хэмжээг Баян-Өлгий аймагт зохион байгуулагдлаа.
Хүүхэд залууст санхүүгээ зүй зохистой удирдах, төлөвлөх мэдлэг олгох, санхүүгийн зөв шийдвэр зөв гаргахад туслах зорилготой тус аяныг Олон улсын хөгжлийн хамтын ажиллагааны байгууллага (OECD) 2012 оноос жил бүр дэлхий даяар уламжлал болгон тэмдэглэж ирсэн билээ. Өдгөө дэлхийн 176 орны 40,416 байгууллагыг эгнээндээ нэгтгэсэн нь аяны цар хүрээг улам бүр өргөжүүлсээр байгаа бөгөөд манай улс 2013 оноос “Дэлхийн мөнгөний долоо хоног” аяныг тэмдэглэх болсон юм.
Тээвэр хөгжлийн банк нь аяны үеэр олон нийтэд санхүүгийн боловсрол, хуримтлал үүсгэх дадалд уриалах, үүсэж болох аливаа санхүүгийн эрсдэлээс өөрийгөө сэргийлэх мэдлэг мэдээлэл олгохоор зорин ажиллаж байна.