Category: Financial information

Categories
Quarterly financial statements

2024 year IV quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents

                          196,477
1.2 Due from banks and financial institutions

                            70,253
1.3 Financial investments

                          125,530
1.4 Loans and advances to customers (net)

                          636,839
1.4.1      Performing loans

                          619,776
1.4.2      Non-performing loans

                            59,125
1.4.3      Deferred loan payment

                                (103)
1.4.4      Accrued interest receivable

                               9,425
1.4.5      Loan loss provision

                          (51,384)
1.5 Derivative financial assets

                                  909
1.6 Other financial assets

                                  559
1.7 Other non-financial assets

                            33,092
1.8 Fixed assets

                            16,531
1.9 Properties held for sale

                            17,749
1.1 Intangible assets

                            12,927
1.11 Total assets

                      1,110,866

2 LIABILITIES
2.1 Current accounts

                            69,976
2.2 Savings accounts

                          505,198
2.3 Due to banks and financial institutions

                          177,796
2.4 Other funds

                          131,114
2.5 Derivative financial liabilities

                               2,109
2.6 Other liabilities

                            16,113
2.7 Total liabilities

                          902,306

3 EQUITY
3.1 Share capital

                          146,474
3.2 Share premium

                            15,647
3.3 Treasury shares

                            (7,032)
3.4 Retained earnings

                            53,434
3.5 Other reserves

                                     37
3.6 Total equity

                          208,560

4 TOTAL LIABILITIES AND EQUITY

                      1,110,866

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)  

                            13,808

 

INCOME STATEMENT

(MNT million)

1 Interest income

                          135,108

1.1      From Bank of Mongolia

                                  232
1.2      From banks and financial institutions

                                  873
1.3      From securities

                               7,815
1.4      From loans

                          124,115
1.5      Other interest income

                               2,073
2 Interest expense

                            86,845

2.1      Interest expense on current accounts

                               1,335
2.2      Interest expense on savings accounts

                            59,729
2.3      Interest expense on borrowed funds

                            20,195
2.4      Interest expense on securities

                                  404
2.5      Other interest expenses

                               5,182
3 Net interest income (1-2)

                            48,263

4 Provision expense

                            13,429

4.1      Deposits at banks and financial institutions

                                     23
4.2      Securities

                                      –
4.3      Loans

                            13,406
5 Net income after provision (3-4)

                            34,834

6 Other income

                            27,824

6.1 Non-interest income

                            27,577

6.1.1      Trading income

                            11,201
6.1.2      Foreign exchange and revaluation income

                            13,346
6.1.3      Fees and commission income

                               1,567
6.1.4      Other non-interest income

                               1,463
6.2 Other income, gain

                                  247
7 Other expenses

                            48,146

7.1 Non-interest expenses

                            46,977

7.1.1      Other provision expense

                               1,947
7.1.2      Trading expense

                               4,178
7.1.3      Foreign exchange and revaluation expense

                            12,751
7.1.4      Fees and commission expense

                               1,619
7.1.5      Other operating expenses

                            26,482
7.2 Other expenses, losses

                               1,169
8 Profit Before Tax (5+6-7)

                            14,512

9 Income tax expense

                               2,842
10 Net profit for the year (8-9)

                            11,670

11 Other comprehensive income

                                  (62)
12 Total comprehensive income for the year (10+11)

                            11,608

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT PERFORMANCE
Tier 1 capital ratio

≥ 9%

25.2%
Capital adequacy ratio

≥ 12%

25.2%
Liquidity ratio

≥ 25%

31.8%
Foreign currency open position ratio (single currency)

< ±15%

8.2%
Foreign currency open position ratio (total)

< ±30%

12.3%

 

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)

2.9%
1.1 Bank shareholders

–

–

–
1.2 Key management personnel

–

–

–
1.3 Other related parties

Loan

6,057

2.9%
2 Total loans and advances to related parties (less than 20% of total equity)

10.6%
2.1 Bank shareholders

Loan

100

0.0%
2.2 Key management personnel

Loan

1,090

0.5%
2.3 Other related parties

Loan

20,939

10.0%

 

Categories
Quarterly financial statements

2024 year III quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents                           184,400
1.2 Due from banks and financial institutions 44,971
1.3 Financial investments 25,173
1.4 Loans and advances to customers (net)                           651,366
1.4.1      Performing loans                           615,595
1.4.2      Non-performing loans 56,644
1.4.3      Deferred loan payment (104)
1.4.4      Accrued interest receivable 16,528
1.4.5      Loan loss provision (37,297)
1.5 Derivative financial assets 1,069
1.6 Other financial assets 1,130
1.7 Other non-financial assets 21,298
1.8 Fixed assets 17,792
1.9 Properties held for sale 24,267
1.1 Intangible assets 13,470
1.11 Total assets 984,936
2 LIABILITIES
2.1 Current accounts 47,347
2.2 Savings accounts 430,781
2.3 Due to banks and financial institutions 242,506
2.4 Other funds 30,997
2.5 Derivative financial liabilities 1,827
2.6 Other liabilities 26,526
2.7 Total liabilities 779,984
3 EQUITY
3.1 Share capital 146,474
3.2 Share premium 15,647
3.3 Treasury shares (7,032)
3.4 Retained earnings 49,764
3.5 Other reserves 99
3.6 Total equity 204,952
4 TOTAL LIABILITIES AND EQUITY 984,936

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)                             12,107

 

INCOME STATEMENT

(MNT million)

1 Interest income

  90,001

1.1      From Bank of Mongolia

164
1.2      From banks and financial institutions          667
1.3      From securities      6,932
1.4      From loans 80,590
1.5      Other interest income           1,648
2 Interest expense  65,392
2.1      Interest expense on current accounts         1,057
2.2      Interest expense on savings accounts 42,517
2.3      Interest expense on borrowed funds 17,433
2.4      Interest expense on securities        363
2.5      Other interest expenses         4,022
3 Net interest income (1-2) 24,609
4 Provision expense                                       –
4.1      Deposits at banks and financial institutions                         –
4.2      Securities              –
4.3      Loans              –
5 Net income after provision (3-4) 24,609
6 Other income 17,737
6.1 Non-interest income 17,596
6.1.1      Trading income          7,363
6.1.2      Foreign exchange and revaluation income           8,519
6.1.3      Fees and commission income            1,043
6.1.4      Other non-interest income             671
6.2 Other income, gain 141
7 Other expenses  32,494
7.1 Non-interest expenses 31,829
7.1.1      Other provision expense               946
7.1.2      Trading expense             2,811
7.1.3      Foreign exchange and revaluation expense       8,087
7.1.4      Fees and commission expense           1,161
7.1.5      Other operating expenses 18,824
7.2 Other expenses, losses              665
8 Profit Before Tax (5+6-7)                                9,852
9 Income tax expense              1,799
10 Net profit for the year (8-9) 8,053
11 Other comprehensive income            –
12 Total comprehensive income for the year (10+11)            8,053

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT PERFORMANCE
Tier 1 capital ratio ≥ 9% 23.9%
Capital adequacy ratio ≥ 12% 23.9%
Liquidity ratio ≥ 25% 30.2%
Foreign currency open position ratio (single currency) < ±15% 7.2%
Foreign currency open position ratio (total) < ±30% 14.5%

 

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 – – –
1.2 Key management personnel – – –
1.3 Other related parties Loan 6,780 3.3%
2 Total loans and advances to related parties (less than 20% of total equity) 11.2%
2.1 Bank shareholders Loan 100 0.0%
2.2 Key management personnel Loan 1,125 0.5%
2.3 Other related parties Loan 21,805 10.6%
Categories
Quarterly financial statements

2024 year II quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents

185,800
1.2 Due from banks and financial institutions

39,169
1.3 Financial investments

7,359
1.4 Loans and advances to customers (net)

642,972
1.4.1      Performing loans

612,821
1.4.2      Non-performing loans

58,444
1.4.3      Deferred loan payment

(140)
1.4.4      Accrued interest receivable

13,112
1.4.5      Loan loss provision

(41,265)
1.5 Derivative financial assets

1,676
1.6 Other financial assets

455
1.7 Other non-financial assets

13,121
1.8 Fixed assets

17,592
1.9 Properties held for sale

17,799
1.1 Intangible assets

13,511
1.11 Total assets

939,454
2 LIABILITIES
2.1 Current accounts

40,476
2.2 Savings accounts

347,440
2.3 Due to banks and financial instituitions

307,598
2.4 Other funds

14,162
2.5 Derivative financial liabilities

2,990
2.6 Other liabilities

24,340
2.7 Total liabilities

737,006
3 EQUITY
3.1 Share capital

146,474
3.2 Share premium

15,647
3.3 Treasury shares

(7,032)
3.4 Retained earnings

47,260
3.5 Other reserves

99
3.6 Total equity

202,448
4 TOTAL LIABILITIES AND EQUITY

939,454

(MNT million)

OFF BALANCE SHEET    
    Contingencies and commitments (net)

                            11,553

INCOME STATEMENT

(MNT million)

1 Interest income                             62,130
1.1      From Bank of Mongolia

          118
1.2      From banks and financial institutions

             573
1.3      From securities

             4,142
1.4      From loans

                            56,158
1.5      Other interest income

                  1,139
2 Interest expense                             42,128
2.1      Interest expense on current accounts

               826
2.2      Interest expense on savings accounts

                            28,503
2.3      Interest expense on borrowed funds

        9,844
2.4      Interest expense on securities

            283
2.5 Other interest expenses

              2,672
3 Net interest income (1-2)                             20,002
4 Provision expense

                 3,363

4.1     Deposits at banks and financial institutions

          –
4.2      Securities

                 –
4.3      Loans

         3,363
5 Net income after provision (3-4)                             16,639
6 Other income                             12,381
6.1 Non-interest income                             12,246
6.1.1      Trading income

           4,921
6.1.2      Foreign exchange and revaluation income

          6,448
6.1.3      Fees and commission income

                760
6.1.4      Other non-interest income

           117
6.2 Other income, gain

                               135
7 Other expenses                             22,797
7.1 Non-interest expenses                             22,468
7.1.1      Other provision expense

               925
7.1.2      Trading expense

                  2,138
7.1.3      Foreign exchange and revaluation expense

               5,975
7.1.4      Fees and commission expense

               800
7.1.5      Other operating expenses                 12,630
7.2 Other expenses, losses

                 329
8 Profit Before Tax (5+6-7)

        6,223

9 Income tax expense

       674
10 Net profit for the year (8-9)

       5,549

11 Other comprehensive income

           –
12 Total comprehensive income for the year (10+11)

           5,549

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT PERFORMANCE
Tier 1 capital ratio

≥ 9%

24.3%
Capital adequacy ratio

≥ 12%

24.3%
Liquidity ratio

≥ 25%

30.8%
Foreign currency open position ratio (single currency)

< ±15%

8.4%
Foreign currency open position ratio (total)

< ±30%

10.4%

 

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) 3.2%
1.1 Bank shareholders                                  –                                       – 0.0%
1.2 Key management personnel                                  –                                       – 0.0%
1.3 Other related parties Loan                          6,449 3.2%
2 Total loans and advances to related parties (less than 20% of total equity) 11.9%
2.1 Bank shareholders Loan                               100 0.0%
2.2 Key management personnel Loan                               532 0.3%
2.3 Other related parties Loan                         23,590 11.6%
Categories
External audit report

2023

AFS 2023 TransBank (eng)

Categories
External audit report

2022

AFS 2022 TransBank (eng)

Categories
External audit report

2021

AFS 2021 TransBank (eng)

Categories
Чанаргүй активыг бууруулах зорилтын гүйцэтгэл
Чанаргүй активыг бууруулах ЗОРИЛТ-ыг үнэлэх үзүүлэлт Стратеги батлагдсан огноо (2024.12.31) ЧАНАРГҮЙ АКТИВЫГ БУУРУУЛАХ ЗОРИЛТ ТАЙЛАНТ ҮЕИЙН /2024.12.31/
Богино хугацаа

(1 жил)

 Дунд хугацаа (2-4 жил) Урт хугацаа (5 ба түүнээс дээш жил)
2025.12.31 2027.12.31 2029.12.31 ЗОРИЛТ ГҮЙЦЭТГЭЛ ГҮЙЦЭТГЭЛИЙН %
Нийт зээлийн багцын дүн                   678,901.00                       1,007,500.00                   1,219,075.00                   1,475,080.75         955,543.00           678,901.00 71.0%
Чанаргүй зээлийн багцын дүн                     59,125.00                           75,562.50                       85,335.25                       95,880.25           76,443.00             59,125.00 77.3%
Чанаргүй зээлийн хувь 8.7% 7.5% 7.0% 6.5% 8.0% 8.7% 108.9%
Нийт зээлийн эрсдэлийн сан                     51,383.70                           62,716.88                       70,828.26                       79,580.61           45,866.00             51,383.70 112.0%
Зээлээс бусад чанаргүй активын дүн                         523.90                               513.00                           400.00                           100.00                 50.20                 523.90 1043.6%
Зээлээс бусад активын сан                         523.90                               513.00                           400.00                           100.00                 50.20                 523.90 1043.6%
Бүтэц өөрчлөгдсөн актив 3.5% 5.0% 6.0% 6.0% 5.0% 3.5% 69.1%

 

Categories
Home Quarterly financial statements

2024 year I quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

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
1.1 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 institutions

          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

INCOME STATEMENT

(MNT million)

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

 

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%

 

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%
Categories
Compliance

Compliance

Anti-money laundering and countering the financing of terrorism policy:

Transport and Development Bank has implemented compliance principles into our business operation in accordance with the Law on Anti-money laundering and countering the financing of terrorism (AML/CFT Law), as well as regulations, recommendations, and standards issued by international and domestic regulatory bodies.

The Bank has developed an AML/CFT program covering Know Your Customer (KYC) Procedure, Customer/Product ML/TF Risk assessment, Implementation of international sanctions, and Correspondent bank and financial institution’s relationship in accordance with applicable laws and regulations.

In accordance with the AML/CFT Law and Regulations, the Bank shall undertake appropriate KYC measures to fully ensure and verify customer’s data, payment slip, agreements, invoices and any other documents prior to providing any banking services.

The information indicated below shall be authenticated by an official source and documents. These include:

  • The purpose of a business relationship with the bank;
  • Beneficial owner and shareholder structure, asset management information;
  • Customers’ nature of business and operations are in line with the purpose of the transaction;

Prior to establishing any financial and business relationship with foreign banks, the Bank shall comply with the requirements of the Correspondent Banking Due Diligence Questionnaire (CBDDQ) and recommendations on correspondent banking relationships issued by Wolfsberg Group, US Patriot Act, and FATCA Regulation.

Wolfsberg CBDDQ:

Please click here to access the Correspondent Banking Due Diligence Questionnaire (CBDDQ) for FIs defined by the “Wolfsberg Group”. (Appendix shall be included in the “click on here” section)

US Patriot Act:

Please click here to access the Global USA Patriot Act certification issued by the U.S. Department of the Treasury. (Appendix shall be included in the “click on here” section)

FATCA:

Transport and Development Bank, akin to every financial institution in the world is obligated to report foreign financial assets and accounts held by US Person and legal entities to the US Internal Revenue Service (IRS) under the Foreign Account Tax Compliance Act (FATCA).

Please click here to access the FATCA W-8BEN-E form completed by the Transport and Development Bank. (Appendix shall be included in the “click on here” section)

Categories
Quarterly financial statements

2023 year IV quarter

STATEMENT OF FINANCIAL POSITION

(MNT million)

1 ASSETS
1.1 Cash and cash equivalents

328,921
1.2 Due from banks and financial institutions

78,448
1.3 Financial investments

62,678
1.4 Loans and advances to customers (net)

671,768
1.4.1      Performing loans

632,883
1.4.2      Non-performing loans

62,023
1.4.3      Deferred loan payment

(159)
1.4.4      Accrued interest receivable

15,013
1.4.5      Loan loss provision

(37,992)
1.5 Derivative financial assets

2,443
1.6 Other financial assets

318
1.7 Other non-financial assets

10,065
1.8 Fixed assets

19,603
1.9 Properties held for sale

26,184
1.1 Intangible assets

13,067
1.11 Total assets

1,213,495
2 LIABILITIES
2.1 Current accounts

92,072
2.2 Savings accounts

482,662
2.3 Due to banks and financial institutions

368,298
2.4 Other funds

47,667
2.5 Derivative financial liabilities

3,409
2.6 Other liabilities

22,488
2.7 Total liabilities

1,016,596
3 EQUITY
3.1 Share capital

146,474
3.2 Share premium

15,647
3.3 Treasury shares

(7,032)
3.4 Retained earnings

41,711
3.5 Other reserves

99
3.6 Total equity

196,899
4 TOTAL LIABILITIES AND EQUITY

1,213,495

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)

                            16,670

INCOME STATEMENT

(MNT million)

1 Interest income

                          117,629

1.1      From Bank of Mongolia

      1,848
1.2      From banks and financial institutions

       3,404
1.3      From securities

          7,766
1.4      From loans

     100,867
1.5      Other interest income

        3,744
2 Interest expense

        74,556

2.1 Interest expense on current accounts

      1,878
2.2 Interest expense on savings accounts

            61,858
2.3 Interest expense on borrowed funds

      2,933
2.4 Interest expense on securities

      1,051
2.5 Other interest expenses

                          6,836
3 Net interest income (1-2)

   43,073

4 Provision expense

    8,831

4.1 Deposits at banks and financial institutions

        252
4.2 Securities

      40
4.3 Loans

             8,539
5 Net income after provision (3-4)

      34,242

6 Other income

     31,858

6.1 Non-interest income                             31,115
6.1.1 Trading income

          14,230
6.1.2 Foreign exchange and revaluation income

               15,272
6.1.3 Fees and commission income

       1,307
6.1.4 Other non-interest income

         306
6.2 Other income, gain

       743
7 Other expenses

   53,991

7.1 Non-interest expenses

      53,762

7.1.1 Other provision expense

                381
7.1.2 Trading expense

       10,974
7.1.3 Foreign exchange and revaluation expense

  14,939
7.1.4 Fees and commission expense

         1,499
7.1.5 Other operating expenses

     25,969
7.2 Other expenses, losses

       229
8 Profit Before Tax (5+6-7)

                            12,109

9 Income tax expense

      1,484
10 Net profit for the year (8-9)

     10,625

11 Other comprehensive income

          52
12 Total comprehensive income for the year (10+11)

     10,677

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA

 LIMIT

PERFORMANCE
Tier 1 capital ratio

≥ 9%

22.5%
Capital adequacy ratio

≥ 12%

22.5%
Liquidity ratio

≥ 25%

33.8%
Foreign currency open position ratio (single currency)

< ±15%

-2.9%
Foreign currency open position ratio (total)

< ±30%

-8.1%

 

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)

3.2%
1.1 Bank shareholders

                                 –

       –

0.0%
1.2 Key management personnel

          –

            –

0.0%
1.3 Other related parties

Loan

    6,351

3.2%
2 Total loans and advances to related parties (less than 20% of total equity)

12.4%
2.1 Bank shareholders

Loan

         100

0.1%
2.2 Key management personnel

Loan

               404

0.2%
2.3 Other related parties

Loan

       23,907

12.1%