(MNT million)
|
STATEMENT OF FINANCIAL POSITION |
30/09/2025 |
|
|
1 |
ASSETS |
|
|
1.1 |
Cash and cash equivalents |
327,495 |
|
1.2 |
Due from banks and financial institutions |
125,935 |
|
1.3 |
Financial investments |
111,333 |
|
1.4 |
Loans and advances to customers (net) |
820,807 |
|
1.4.1 |
Performing loans |
763,078 |
|
1.4.2 |
Non-performing loans |
72,468 |
|
1.4.3 |
Deferred loan payment |
(178) |
|
1.4.4 |
Accrued interest receivable |
30,607 |
|
1.4.5 |
Loan loss provision |
(45,168) |
|
1.5 |
Derivative financial assets |
884 |
|
1.6 |
Other financial assets |
3,328 |
|
1.7 |
Other non-financial assets |
35,772 |
|
1.8 |
Fixed assets |
15,277 |
|
1.9 |
Properties held for sale |
48,838 |
|
1.1 |
Intangible assets |
12,738 |
|
1.11 |
Total assets |
1,502,407 |
|
2 |
LIABILITIES |
|
|
2.1 |
Current accounts |
179,817 |
|
2.2 |
Savings accounts |
741,673 |
|
2.3 |
Due to banks and financial instituitions |
211,316 |
|
2.4 |
Other funds |
126,942 |
|
2.5 |
Derivative financial liabilities |
2,561 |
|
2.6 |
Other liabilities |
22,331 |
|
2.7 |
Total liabilities |
1,284,640 |
|
3 |
EQUITY |
|
|
3.1 |
Share capital |
146,474 |
|
3.2 |
Share premium |
15,645 |
|
3.3 |
Treasury shares |
(7,032) |
|
3.4 |
Retained earnings |
60,110 |
|
3.5 |
Other reserves |
2,570 |
|
3.6 |
Total equity |
217,767 |
|
4 |
TOTAL LIABILITIES AND EQUITY |
1,502,407 |
(MNT million)
|
INCOME STATEMENT |
30/09/2025 |
|
|
1 |
Interest income |
117,782 |
|
1.1 |
From Bank of Mongolia |
92 |
|
1.2 |
From banks and financial institutions |
491 |
|
1.3 |
From securities |
7,376 |
|
1.4 |
From loans |
107,731 |
|
1.5 |
Other interest income |
2,092 |
|
2 |
Interest expense |
85,053 |
|
2.1 |
Interest expense on current accounts |
1,537 |
|
2.2 |
Interest expense on savings accounts |
73,242 |
|
2.3 |
Interest expense on borrowed funds |
4,718 |
|
2.4 |
Interest expense on securities |
520 |
|
2.5 |
Other interest expenses |
5,036 |
|
3 |
Net interest income (1-2) |
32,729 |
|
4 |
Provision expense |
– |
|
4.1 |
Deposits at banks and financial institutions |
– |
|
4.2 |
Securities |
– |
|
4.3 |
Loans |
– |
|
5 |
Net income after provision (3-4) |
32,729 |
|
6 |
Other income |
38,031 |
|
6.1 |
Non-interest income |
37,889 |
|
6.1.1 |
Trading income |
8,601 |
|
6.1.2 |
Foreign exchange and revaluation income |
20,463 |
|
6.1.3 |
Fees and commission income |
1,784 |
|
6.1.4 |
Other non-interest income |
7,041 |
|
6.2 |
Other income, gain |
142 |
|
7 |
Other expenses |
57,792 |
|
7.1 |
Non-interest expenses |
57,454 |
|
7.1.1 |
Other provision expense |
8,343 |
|
7.1.2 |
Trading expense |
7,920 |
|
7.1.3 |
Foreign exchange and revaluation expense |
17,265 |
|
7.1.4 |
Fees and commission expense |
1,424 |
|
7.1.5 |
Other operating expenses |
22,502 |
|
7.2 |
Other expenses, losses |
338 |
|
8 |
Profit Before Tax (5+6-7) |
12,968 |
|
9 |
Income tax expense |
2,684 |
|
10 |
Net profit for the year (8-9) |
10,284 |
|
11 |
Other comprehensive income |
– |
|
12 |
Total comprehensive income for the year (10+11) |
10,284 |
|
OFF BALANCE SHEET |
|
|
Contingencies and commitments (net) |
31,984 |
|
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
LIMIT |
PERFORMANCE |
|
Tier 1 capital ratio |
≥ 9% |
20.0% |
|
Capital adequacy ratio |
≥ 12% |
20.0% |
|
Liquidity ratio |
≥ 25% |
39.8% |
|
Foreign currency open position ratio (single currency) |
< ±15% |
7.9% |
|
Foreign currency open position ratio (total) |
< ±30% |
16.5% |
|
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA |
LIMIT |
PERFORMANCE |
|
Tier 1 capital ratio |
≥ 9% |
20.0% |
|
Capital adequacy ratio |
≥ 12% |
20.0% |
|
Liquidity ratio |
≥ 25% |
39.8% |
|
Foreign currency open position ratio (single currency) |
< ±15% |
7.9% |
|
Foreign currency open position ratio (total) |
< ±30% |
16.5% |
|
LOANS AND ADVANCES TO RELATED PARTIES |
CATEGORY OF ASSETS |
BALANCE |
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 |
6,262.03 |
2.9% |
|
2 |
Total loans and advances to related parties (less than 20% of total equity) |
5.0% |
||
|
2.1 |
Bank shareholders |
Loan |
100 |
0.0% |
|
2.2 |
Key management personnel |
Loan |
674 |
0.3% |
|
2.3 |
Other related parties |
Loan |
11,080 |
4.6% |
