2023 оны 8-р сар
Дэлхийн дижитал төлбөрийн технологийн компани болох Visa International байгууллагад үндсэн гишүүн болсон 6 дахь банк боллоо.
2023 оны 8-р сар
Тээвэр хөгжлийн банк нь TranzAxis төлбөрийн системийг нэвтрүүлсэн Монголын анхны арилжааны банк боллоо.
(MNT million)
Balance sheet | 31/12/2022 |
30/06/2023 |
||
1 | Asset | |||
1.1 | Cash and cash equivalents | 483,493 | 225,711 | |
1.2 | Due from banks and financial institutions | 69,136 | 62,780 | |
1.3 | Financial investments | 12,279 | 37,151 | |
1.4 | Loans and advances to customers (net) | 556,701 | 583,776 | |
1.4.1 | Performing loans | 497,794 | 529,894 | |
1.4.2 | Non-performing loans | 77,125 | 74,564 | |
1.4.3 | Deferred loan payment | (140) | (152) | |
1.4.4 | Accrued interest receivable | 11,399 | 13,899 | |
1.4.5 | Loan Loss Provision | (29,477) | (34,429) | |
1.5 | Derivative financial assets | 3,813 | 1,197 | |
1.6 | Other financial assets | 694 | 558 | |
1.7 | Other non-financial assets | 3,274 | 16,000 | |
1.8 | Fixed assets (net) | 22,125 | 21,710 | |
1.9 | Properties held for sale | – | 14,184 | |
1.10 | Intangible assets | 10,486 | 12,306 | |
1.11 | Total assets | 1,162,001 | 975,373 | |
2 | Liabilities | |||
2.1 | Current accounts | 120,912 | 70,651 | |
2.2 | Savings accounts | 400,133 | 422,334 | |
2.3 | Due to banks and financial instituitions | 404,291 | 233,108 | |
2.4 | Other funds | 20,560 | 21,290 | |
2.5 | Derivative financial liabilities | 5,840 | 662 | |
2.6 | Other liabilities | 24,042 | 38,155 | |
2.7 | Total liabilities | 975,778 | 786,200 | |
3 | Equity | |||
3.1 | Share capital | 146,474 | 146,474 | |
3.2 | Share premium | 15,647 | 15,647 | |
3.3 | Treasury shares | (7,032) | (7,032) | |
3.4 | Revaluation surplus | – | – | |
3.5 | Retained earnings /loss | 30,030 | 34,026 | |
3.6 | Other reserves | 1,104 | 58 | |
4 | Total equity | 186,223 | 189,173 | |
5 | Total liabilities and equity | 1,162,001 | 975,373 |
(MNT million)
Income statement | 31/12/2022 | 30/06/2023 | |
1 | Interest income |
84,938 |
54,870 |
1.1 | From Bank of Mongolia |
415 |
1,604 |
1.2 | From other banks & financial institutions |
2,582 |
1,666 |
1.3 | From securities |
4,372 |
3,806 |
1.4 | From loans |
72,480 |
43,705 |
1.5 | Other interest income |
5,089 |
4,089 |
2 | Interest expense |
45,956 |
36,426 |
2.1 | Interest expense on current accounts |
– |
943 |
2.2 | Interest expense on savings accounts |
37,816 |
28,164 |
2.3 | Interest expense on borrowed funds |
2,378 |
1,027 |
2.4 | Interest expense on securities |
1,711 |
768 |
2.5 | Other interest expense |
4,051 |
5,524 |
3 | Net interest income (1-2) |
38,982 |
18,444 |
4 | Provision expenses (provision reverse income) |
9,190 |
4,992 |
4.1 | Deposits at other banks and financial institutions |
768 |
– |
4.2 | Securities |
69 |
– |
4.3 | Loans |
8,353 |
4,992 |
5 | Net interest income after provision [(3)-(4)] |
29,792 |
13,452 |
6 | Other income |
31,544 |
16,955 |
6.1 | Non-interest income |
31,100 |
16,867 |
6.1.1 | Trading income |
19,213 |
8,252 |
6.1.2 | Foreign exchange and revaluation income |
10,497 |
7,929 |
6.1.3 | Fees and commission income |
1,390 |
641 |
6.1.4 | Other non-interest income |
– |
45 |
6.2 | Other income |
444 |
88 |
7 | Other expense |
47,704 |
27,248 |
7.1 | Non-interest expense |
47,157 |
27,088 |
7.1.1 | Other provision expense |
58 |
230 |
7.1.2 | Trading expense |
15,191 |
7,190 |
7.1.3 | Foreign exchange and revaluation expense |
9,376 |
6,048 |
7.1.4 | Fees and commission expense |
1,150 |
737 |
7.1.5 | Other operating expense |
21,382 |
12,883 |
7.2 | Non-operating expense |
547 |
160 |
8 | Profit before tax (5+6-7) |
13,632 |
3,159 |
9 | Income tax expense |
2,944 |
267 |
10 | Profit after tax (8-9) |
10,688 |
2,892 |
11 | Other comprehensive income |
(76) |
– |
12 | Total comprehensive income for the year (10+11) |
10,612 |
2,892 |
(MNT million)
Off balance sheet items | 31/12/2022 | 30/06/2023 |
Contingencies and commitments (net) |
11,078 |
12,164 |
Prudential ratios by the Bank of Mongolia | Limit | 30/06/2023 |
Tier 1 ratio |
≥ 9% |
26.0% |
Capital adequacy ratio |
≥ 12% |
26.0% |
Liquidity ratio |
≥ 25% |
29.8% |
Foreign currency open position ratio (single currency) |
< ±15% |
5.2% |
Foreign currency open position ratio (total) |
< ±30% |
10.9% |
(MNT million)
Related parties | Category of assets | Outstanding balance | % in total Equity | |
1 | Loans and other equivalent assets provided to a related party (less than 5% of capital) |
3.2% |
||
1.1 | Shareholders | – | – |
0.0% |
1.2 | Management | – | – |
0.0% |
1.3 | Other related parties | Loan |
6,143 |
3.2% |
2 | Total Loans and other equivalent assets provided to related parties (less than 20% of capital) |
13.9% |
||
2.1 | Shareholders | Loan |
100 |
0.1% |
2.2 | Management | Loan |
426 |
0.2% |
2.3 | Other related parties | Loan |
25,702 |
13.6% |
TransBank JSC has joined the Netherlands-based Partnership for Carbon Accounting Financials (PCAF) to measure and disclose the greenhouse gas emissions from its financial activities.
The risk posed by climate change is considered a significant concern for banks and financial institutions. It has become a priority for these institutions to assess, define, and transparently report the risk, as well as to make efforts to mitigate potential risks. In this context, PCAF has developed a unified methodology for assessing, measuring and disclosing the greenhouse gas emissions from loans and investment of financial institutions. With more than 400 financial institutions from six continents, the group is rapidly expanding in North America, Latin America, Europe, Africa and Asia-Pacific. For TransBank, our participation in this partnership is crucial as it allows us to contribute to global efforts aimed at reducing greenhouse gas emissions. We will introduce innovative standards into our business operations, support environmentally friendly practices among our customers, and facilitate a transition towards a low-carbon development path.
Benefits
- Does not require collateral (no immovable property nor automobile is required)
- Prompt solution in short period of time.
- No loan application fee.
Terms and Conditions | Loan for Women-owned Micro Businesses |
Loan amount | MNT 30 million
/Loan amount no more than 80% of the client’s total working capital/ |
Loan term | Up to 12 months |
Interest rate /monthly/ | 1.60%-1.80% |
Interest rate /annual/ | 19.20%-21.60% |
Loan application fee | MNT 0 |
Commitment fee /annual/ | 2.8% |
* Effective percentage rate /annual/: 19.81%-21.61%
Individuals shall be a female entrepreneur;
The legal entity shall meet one of the following requirements:
• More than 51% of the company’s shares are owned by female shareholders;
• To have a female CEO or General Director;
• At least 50% of all employees are women /Legal entity shall be led by a female entrepreneur/
Evidence of running the business in the last 12 months and continuing to pursue it as a going concern and TransBank POS device shall be used for at least 6 months.
• 1 passport-sized photo
• Account statement /last 6 months/;
• Inventory information;
• If you have a loan balance with other banks and NBFIs, loan agreement and loan account statement;
• Other required documents, if necessary.
Benefits
- Does not require collateral (no immovable property nor automobile is required)
- Prompt solution in short period of time.
- No loan application fee.
Terms and Conditions | Loan for Women-owned Micro Businesses |
Loan amount | MNT 30 million
/Loan amount no more than 80% of the client’s total working capital/ |
Loan term | Up to 12 months |
Interest rate /monthly/ | 1.60%-1.80% |
Interest rate /annual/ | 19.20%-21.60% |
Loan application fee | MNT 0 |
Commitment fee /annual/ | 2.8% |
* Effective percentage rate /annual/: MNT 19.81%-21.61%
Individuals shall be a female entrepreneur;
The legal entity shall meet one of the following requirements:
• More than 51% of the company’s shares are owned by female shareholders;
• To have a female CEO or General Director;
• At least 50% of all employees are women /Legal entity shall be led by a female entrepreneur/
Evidence of running the business in the last 12 months and continuing to pursue it as a going concern and TransBank POS device shall be used for at least 6 months.
• 1 passport-sized photo
• Account statement /last 6 months/;
• Inventory information;
• If you have a loan balance with other banks and NBFIs, loan agreement and loan account statement;
• Other required documents, if necessary.