Categories
TransBank application

Registration documents

Please visit the nearest branch of TransBank to enroll.

Individual:

  1. ID card or foreign passport,

Corporate:

  1. Offical request
  2. ID card or foreign passport of authorized officer.
Categories
TransBank application

Гарын авлага

Онлайн банкны гарын авлага

Categories
Quarterly financial statements

Year-2022 Quarter- 1

Quarter-1,2022

(in millions of MNT)

BALANCE SHEET ITEMS 31/03/2022
1 ASSET
1.1 Cash and cash equivalents

197,690
1.2 Due from banks and financial institutions

40,602
1.3 Financial investments

45,898
1.4 Loans and advances to customers (net)

497,313
1.4.1 Performing loans

494,753
1.4.2 Non-performing loans

8,644
1.4.3 Deferred loan payment

(127)
1.4.4 Accrued interest receivable

11,274
1.4.5 Loan Loss Provision

(17,232)
1.5 Derivative financial assets

766
1.6 Other financial assets

49
1.7 Other non-financial assets

18,679
1.8 Fixed assets (net)

10,709
1.9 Intangible assets

9,957
1.10 Total assets

821,664
2 LIABILITIES
2.1 Current account

71,056
2.2 Savings account

299,479
2.3 Due to banks and financial instituitions

202,207
2.4 Other deposits

48,199
2.5 Derivative financial liabilities

1,136
2.6 Other liabilities

9,278
2.7 Total liabilities

631,356
3 EQUITY
3.1 Share capital

146,474
3.2 Share premium

15,645
3.3 Revaluation surplus

1
3.4 Retained earnings /loss/

28,050
3.5 Other reserves

138
3.6 Total equity

190,308
4 TOTAL LIABILITIES AND EQUITY

821,664

(in millions of MNT)

INCOME STATEMENT 31/03/2022
1 Interest income

18,183
1.1 From Bank of Mongolia

8
1.2 From Other banks & financial institutions

442
1.3 From securities

1,574
1.4 From loans

15,693
1.5 Other interest income

465
2 Interest expense

9,007
2.1 Interest expense on current account

–
2.2 Interest expense on savings account

7,396
2.3 Interest expense on borrowed funds

530
2.4 Interest expense on securities

557
2.5 Other interest expense

524
3 NET INTEREST INCOME (1-2)

9,175
4 Provision expenses (provision reverse income)

–
4.1 Deposits at other banks and financial institutions

–
4.2 Securities

–
4.3 Loans

–
5 Net interest income after provision [(3)-(4)]

9,175
6 Other income

6,588
6.1 Non-interest income

6,509
6.1.1 Trading income

2,295
6.1.2 Exchange and revaluation adjustment expense

1,421
6.1.3 Fees and commission income

302
6.1.4 Other non-interest income

2,492
6.2 Other income

79
7 Other expense

7,359
7.1 Non-interest expense

7,264
7.1.1 Other provision expense

1
7.1.2 Trade expense

819
7.1.3 Exchange and revaluation adjustment expense

1,684
7.1.4 Fees and commission expense

304
7.1.5 Other operating expense

4,456
7.2 Other expense

95
8 Profit Before Tax (5+6-7)

8,405
9 Income tax expense

800
10 Profit After Taxes (8-9)

7,605
11 Other comprehensive income

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

7,605

(in millions of MNT)

OFF BALANCE SHEET 31/03/2022
Contingencies and commitments (net)

13,679
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT 31/03/2022
Tier 1 ratio

≥9.0%

26.7%
Capital adequacy ratio

≥12.0%

26.7%
Liquidity

≥25.0%

26.9%
Foreign currency open position ratio (by each currency)

<±15.0%

-2.2%
Foreign currency open position ratio (total)

<±30.0%

-2.8%

(in millions of MNT)

RELATED PARTIES CATEGARY OF ASSETS BALANCE % IN TOTAL EQUITY
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)

4.4%
1.1. Shareholders of the Bank

–

–

0.0%
1.2. Key management personnel

–

 –

0.0%
1.3. Other related parties

Loan

 8,329

4.4%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)

18.0%
2.1. Shareholders of the Bank

Loan

 100

0.1%
2.2. Key management personnel

Loan

 313

0.2%
2.3. Other related parties

Loan

 33,741

17.7%
Categories
Quarterly financial statements

Year-2021 Quarter- 4

Quarter-4,2021
(in millions of MNT)
BALANCE SHEET ITEMS 31/12/2020 31/12/2021
1 ASSET
1.1 Cash and cash equivalents                       100,857                       131,425
1.2 Due from banks and financial institutions                           7,685                         28,907
1.3 Financial investments                         23,197                         82,961
1.4 Loans and advances to customers (net)                       216,739                       423,569
1.4.1 Performing loans                       211,821                       416,828
1.4.2 Past due loans                           5,187                           8,341
1.4.3 Non-performing loans                         14,984                         11,722
1.4.4 Deferred loan payment                               (48)                             (126)
1.4.5 Accrued interest receivable                           1,269                           6,219
1.4.6 Loan Loss Provision                       (16,474)                       (19,415)
1.5 Derivative financial assets                                  –                                 42
1.6 Other financial assets                               150                                 54
1.7 Other non-financial assets                           1,712                         34,360
1.8 Fixed assets (net)                           9,360                         11,459
1.9 Intangible assets                               458                               369
1.10 Total assets                       360,158                       713,146
2 LIABILITIES
2.1 Current account                           9,825                         58,149
2.2 Savings account                         78,073                       259,022
2.3 Due to banks and financial instituitions                       132,817                       132,947
2.4 Other deposits                         23,001                         82,048
2.5 Derivative financial liabilities                                  –                                 26
2.6 Other liabilities                           7,402                           8,171
2.7 Total liabilities                       251,118                       540,363
3 EQUITY
3.1 Share capital                       100,000                       146,474
3.2 Revaluation surplus                                    1                                    1
3.3 Retained earnings /loss/                           8,993                         26,170
3.4 Other reserves                                 46                               138
3.5 Total equity                       109,040                       172,783
4 TOTAL LIABILITIES AND EQUITY                       360,158                       713,146
(in millions of MNT)
INCOME STATEMENT 31/12/2020 31/12/2021
1 Interest income                         44,737                         50,684
1.1 From Bank of Mongolia                               326                               132
1.2 From Other banks & financial institutions                           3,181                               855
1.3 From securities                           3,312                           4,493
1.4 From loans                         37,918                         44,370
1.5 Other interest income                                  –                               834
2 Interest expense                         25,090                         24,879
2.1 Interest expense on current account                               614                                  –
2.2 Interest expense on savings account                         21,281                         19,963
2.3 Interest expense on borrowed funds                               576                           1,946
2.4 Interest expense on securities                           1,959                           1,574
2.5 Other interest expense                               660                           1,396
3 NET INTEREST INCOME (1-2)                         19,647                         25,805
4 Provision expenses (provision reverse income)                           7,957                               647
4.1 Deposits at other banks and financial institutions                                  –                               327
4.2 Securities                                  –                                 25
4.3 Loans                           7,957                               295
5 Net interest income after provision [(3)-(4)]                         11,690                         25,158
6 Other income                           6,884                           4,249
6.1 Non-interest income                           6,355                           4,249
6.1.1 Trading income                           5,263                           3,393
6.1.2 Exchange and revaluation adjustment expense                               644                               349
6.1.3 Fees and commission income                               448                               507
6.2 Other income                               529                                  –
7 Other expense                         12,435                         16,228
7.1 Non-interest expense                         12,166                         15,360
7.1.1 Other provision expense                               264                                    2
7.1.2 Trade expense                           2,727                           1,936
7.1.3 Exchange and revaluation adjustment expense                               394                               428
7.1.4 Fees and commission expense                               437                               432
7.1.5 Other operating expense                           8,344                         12,562
7.2 Other expense (5+6-7)                               269                               868
8 Profit Before Tax                           6,139                         13,179
9 Income tax expense                               665                           2,599
10 Profit After Taxes (8-9)                           5,474                         10,580
11 Other comprehensive income                               (88)                                 92
12 Total comprehensive income for the year (10+11)                           5,386                         10,672
(in millions of MNT)
OFF BALANCE SHEET 31/12/2020 31/12/2021
Contingencies and commitments (net)                           1,925                         16,939
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA Limit 31/12/2021
Tier 1 ratio ≥ 9% 32.0%
Capital adequacy ratio ≥ 12% 32.0%
Liquidity ≥ 25% 32.9%
Foreign currency open position ratio (by each currency) < ±15% -2.4%
Foreign currency open position ratio (total) < ±30% -4.8%
(in millions of MNT)
Related parties Categary of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital) 4.8%
1.1 Shareholders of the Bank                                  –                                  – 0.0%
1.2 Key management personnel                                  –                                  – 0.0%
1.3 Other related parties Loan                           8,267 4.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital) 18.8%
2.1 Shareholders of the Bank Loan                               100 0.1%
2.2 Key management personnel Loan                               283 0.2%
2.3 Other related parties Loan                         32,153 18.6%
Categories
Quarterly financial statements

Year-2021 Quarter- 3

Quarter-3,2021
(in millions of MNT)
BALANCE SHEET ITEMS 31/12/2020 30/09/2021
1 ASSET
1.1 Cash and cash equivalents                       108,542                       122,405
1.2 Due from banks and financial institutions                                  –                         25,916
1.3 Financial investments                         23,197                       102,328
1.4 Loans and advances to customers (net)                       216,739                       388,018
1.4.1 Performing loans                       211,821                       382,240
1.4.2 Past due loans                           5,187                           7,553
1.4.3 Non-performing loans                         14,984                         12,942
1.4.4 Deferred loan payment                               (48)                             (122)
1.4.5 Accrued interest receivable                           1,269                           3,754
1.4.6 Loan Loss Provision                       (16,474)                       (18,349)
1.5 Derivative financial assets                                  –                               157
1.6 Other financial assets                               150                                    7
1.7 Other non-financial assets                           1,712                           6,589
1.8 Fixed assets (net)                           9,360                         10,647
1.9 Intangible assets                               458                               861
1.10 Total assets                       360,158                       656,928
2 LIABILITIES
2.1 Current account                           9,825                         23,747
2.2 Savings account                         78,073                       222,392
2.3 Due to banks and financial instituitions                       132,817                       127,774
2.4 Other deposits                         23,001                       105,025
2.5 Derivative financial liabilities                                  –                               122
2.6 Other liabilities                           7,402                           6,288
2.7 Total liabilities                       251,118                       485,348
3 EQUITY
3.1 Share capital                       100,000                       146,474
3.2 Revaluation surplus                                    1                                    1
3.3 Retained earnings /loss/                           8,993                         25,059
3.4 Other reserves                                 46                                 46
3.5 Total equity                       109,040                       171,580
4 TOTAL LIABILITIES AND EQUITY                       360,158                       656,928
(in millions of MNT)
INCOME STATEMENT 31/12/2020 9/31/2021
1 Interest income                         44,737                         33,296
1.1 From Bank of Mongolia                               326                               110
1.2 From Other banks & financial institutions                           3,181                               675
1.3 From securities                           3,312                           2,733
1.4 From loans                         37,918                         29,313
1.5 Other interest income                                  –                               465
2 Interest expense                         25,090                         16,441
2.1 Interest expense on current account                               614                                  –
2.2 Interest expense on savings account                         21,281                         13,136
2.3 Interest expense on borrowed funds                               576                           1,375
2.4 Interest expense on securities                           1,959                           1,018
2.5 Other interest expense                               660                               912
3 NET INTEREST INCOME (1-2)                         19,647                         16,855
4 Provision expenses (provision reverse income)                           7,957                             (770)
4.1 Deposits at other banks and financial institutions                                  –                                  –
4.2 Securities                                  –                                  –
4.3 Loans                           7,957                             (770)
5 Net interest income after provision [(3)-(4)]                         11,690                         17,625
6 Other income                           6,884                           3,021
6.1 Non-interest income                           6,355                           2,952
6.1.1 Trading income                           5,263                           2,544
6.1.2 Exchange and revaluation adjustment expense                               644                               179
6.1.3 Fees and commission income                               448                               229
6.2 Other income                               529                                 69
7 Other expense                         12,435                           9,681
7.1 Non-interest expense                         12,166                           9,432
7.1.1 Other provision expense                               264                                    1
7.1.2 Trade expense                           2,727                           1,507
7.1.3 Exchange and revaluation adjustment expense                               394                               258
7.1.4 Fees and commission expense                               437                               239
7.1.5 Other operating expense                           8,344                           7,427
7.2 Other expense (5+6-7)                               269                               249
8 Profit Before Tax                           6,139                         10,965
9 Income tax expense                               665                           1,499
10 Profit After Taxes (8-9)                           5,474                           9,466
11 Other comprehensive income                               (88)                                  –
12 Total comprehensive income for the year (10+11)                           5,386                           9,466
(in millions of MNT)
OFF BALANCE SHEET 31/12/2020 9/31/2021
Contingencies and commitments (net)                           1,925                         15,616
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA Limit 9/31/2021
Tier 1 ratio ≥ 9% 35.3%
Capital adequacy ratio ≥ 12% 35.3%
Liquidity ≥ 25% 35.4%
Foreign currency open position ratio (by each currency) < ±15% -4.3%
Foreign currency open position ratio (total) < ±30% -4.4%
(in millions of MNT)
Related parties Categary of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital) 4.8%
1.1 Shareholders of the Bank                                  –                                  – 0.0%
1.2 Key management personnel                                  –                                  – 0.0%
1.3 Other related parties Loan                           8,270 4.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital) 13.5%
2.1 Shareholders of the Bank Loan                               100 0.1%
2.2 Key management personnel Loan                               177 0.1%
2.3 Other related parties Loan                         22,856 13.3%
Categories
Quarterly financial statements

Year-2021 Quarter- 2

Quarter-2,2021
(in millions of MNT)
BALANCE SHEET ITEMS 31/12/2020 30/06/2021
1 ASSET
1.1 Cash and cash equivalents                       108,542                         73,555
1.2 Due from banks and financial institutions                                  –                         14,604
1.3 Financial investments                         23,197                         53,077
1.4 Loans and advances to customers (net)                       216,739                       257,394
1.4.1 Performing loans                       211,821                       250,672
1.4.2 Past due loans                           5,187                           7,539
1.4.3 Non-performing loans                         14,984                         12,537
1.4.4 Deferred loan payment                               (48)                               (67)
1.4.5 Accrued interest receivable                           1,269                           1,946
1.4.6 Loan Loss Provision                       (16,474)                       (15,233)
1.5 Derivative financial assets                                  –                                 29
1.6 Other financial assets                               150                                    6
1.7 Other non-financial assets                           1,712                           5,236
1.8 Fixed assets (net)                           9,360                         10,306
1.9 Intangible assets                               458                               390
1.10 Total assets                       360,158                       414,597
2 LIABILITIES
2.1 Current account                           9,825                           9,372
2.2 Savings account                         78,073                       132,362
2.3 Due to banks and financial instituitions                       132,817                         94,244
2.4 Other deposits                         23,001                         54,364
2.5 Derivative financial liabilities                                  –                                 22
2.6 Other liabilities                           7,402                           8,436
2.7 Total liabilities                       251,118                       298,800
3 EQUITY
3.1 Share capital                       100,000                       100,000
3.2 Revaluation surplus                                    1                                    1
3.3 Retained earnings /loss/                           8,993                         15,750
3.4 Other reserves                                 46                                 46
3.5 Total equity                       109,040                       115,797
4 TOTAL LIABILITIES AND EQUITY                       360,158                       414,597
(in millions of MNT)
INCOME STATEMENT 31/12/2020 30/06/2021
1 Interest income                         44,737                         19,855
1.1 From Bank of Mongolia                               326                                 97
1.2 From Other banks & financial institutions                           3,181                               537
1.3 From securities                           3,312                           1,398
1.4 From loans                         37,918                         17,755
1.5 Other interest income                                  –                                 68
2 Interest expense                         25,090                           9,486
2.1 Interest expense on current account                               614                                  –
2.2 Interest expense on savings account                         21,281                           7,675
2.3 Interest expense on borrowed funds                               576                               862
2.4 Interest expense on securities                           1,959                               544
2.5 Other interest expense                               660                               405
3 NET INTEREST INCOME (1-2)                         19,647                         10,369
4 Provision expenses (provision reverse income)                           7,957                                  –
4.1 Deposits at other banks and financial institutions                                  –                                  –
4.2 Securities                                  –                                  –
4.3 Loans                           7,957                                  –
5 Net interest income after provision [(3)-(4)]                         11,690                         10,369
6 Other income                           6,884                           3,134
6.1 Non-interest income                           6,355                           3,121
6.1.1 Trading income                           5,263                           1,699
6.1.2 Exchange and revaluation adjustment expense                               644                                 77
6.1.3 Fees and commission income                               448                               104
6.1.4 Other non-interest income                                  –                           1,241
6.2 Other income                               529                                 13
7 Other expense                         12,435                           5,747
7.1 Non-interest expense                         12,166                           5,675
7.1.1 Other provision expense                               264                                    1
7.1.2 Trade expense                           2,727                               936
7.1.3 Exchange and revaluation adjustment expense                               394                               167
7.1.4 Fees and commission expense                               437                               183
7.1.5 Other operating expense                           8,344                           4,388
7.2 Other expense (5+6-7)                               269                                 72
8 Profit Before Tax                           6,139                           7,756
9 Income tax expense                               665                               999
10 Profit After Taxes (8-9)                           5,474                           6,757
11 Other comprehensive income                               (88)                                  –
12 Total comprehensive income for the year (10+11)                           5,386                           6,757
(in millions of MNT)
OFF BALANCE SHEET 31/12/2020 30/06/2021
Contingencies and commitments (net)                           1,925                           6,506
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA Limit 30/06/2021
Tier 1 ratio ≥ 9% 35.9%
Capital adequacy ratio ≥ 12% 35.9%
Liquidity ≥ 20% 31.3%
Foreign currency open position ratio (by each currency) < ±15% 1.0%
Foreign currency open position ratio (total) < ±30% -7.3%
(in millions of MNT)
Related parties Categary of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital) 4.8%
1.1 Shareholders of the Bank Loan                           5,541 4.8%
1.2 Key management personnel                                  –                                  – 0.0%
1.3 Other related parties                                  –                                  – 0.0%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital) 4.9%
2.1 Shareholders of the Bank Loan                           5,541 4.8%
2.2 Key management personnel Loan                               143 0.1%
Categories
Quarterly financial statements

Year-2021 Quarter- 1

Quarter-1,2021
(in millions of MNT)
BALANCE SHEET ITEMS 31/12/2020 31/03/2021
1 ASSET
1.1 Cash and cash equivalents                       108,542                         93,480
1.2 Due from banks and financial institutions                                  –                         10,587
1.3 Financial investments                         23,197                         26,116
1.4 Loans and advances to customers (net)                       216,739                       269,064
1.4.1 Performing loans                       211,821                       268,302
1.4.2 Past due loans                           5,187                                  –
1.4.3 Non-performing loans                         14,984                         16,001
1.4.4 Deferred loan payment                               (48)                               (55)
1.4.5 Accrued interest receivable                           1,269                           2,212
1.4.6 Loan Loss Provision                       (16,474)                       (17,396)
1.5 Derivative financial assets                                  –                                  –
1.6 Other financial assets                               150                                 10
1.7 Other non-financial assets                           1,712                           4,761
1.8 Fixed assets (net)                           9,360                           8,748
1.9 Intangible assets                               458                               470
1.10 Total assets                       360,158                       413,235
2 LIABILITIES
2.1 Current account                           9,825                           9,311
2.2 Savings account                         78,073                       122,510
2.3 Due to banks and financial instituitions                       132,817                       139,260
2.4 Other deposits                         23,001                         25,307
2.5 Derivative financial liabilities                                  –                                  –
2.6 Other liabilities                           7,402                           5,274
2.7 Total liabilities                       251,118                       301,661
3 EQUITY
3.1 Share capital                       100,000                       100,000
3.2 Revaluation surplus                                    1                                    1
3.3 Retained earnings /loss/                           8,993                         11,527
3.4 Other reserves                                 46                                 46
3.5 Total equity                       109,040                       111,574
4 TOTAL LIABILITIES AND EQUITY                       360,158                       413,235
(in millions of MNT)
INCOME STATEMENT 31/12/2020 31/03/2021
1 Interest income                         44,737                           9,880
1.1 From Bank of Mongolia                               326                                 67
1.2 From Other banks & financial institutions                           3,181                               515
1.3 From securities                           3,312                               390
1.4 From loans                         37,918                           8,908
1.5 Other interest income                                  –                                  –
2 Interest expense                         25,090                           4,353
2.1 Interest expense on current account                               614                                  –
2.2 Interest expense on savings account                         21,281                           3,550
2.3 Interest expense on borrowed funds                               576                               461
2.4 Interest expense on securities                           1,959                               205
2.5 Other interest expense                               660                               137
3 NET INTEREST INCOME (1-2)                         19,647                           5,527
4 Provision expenses (provision reverse income)                           7,957                               922
4.1 Deposits at other banks and financial institutions                                  –                                  –
4.2 Securities                                  –                                  –
4.3 Loans                           7,957                               922
5 Net interest income after provision [(3)-(4)]                         11,690                           4,605
6 Other income                           6,884                               844
6.1 Non-interest income                           6,355                               835
6.1.1 Trading income                           5,263                               752
6.1.2 Exchange and revaluation adjustment expense                               644                                 29
6.1.3 Fees and commission income                               448                                 54
6.1.4 Other non-interest income                                  –                                    0
6.2 Other income                               529                                    8
7 Other expense                         12,435                           2,599
7.1 Non-interest expense                         12,166                           2,555
7.1.1 Other provision expense                               264                                  –
7.1.2 Trade expense                           2,727                               494
7.1.3 Exchange and revaluation adjustment expense                               394                               118
7.1.4 Fees and commission expense                               437                                 91
7.1.5 Other operating expense                           8,344                           1,852
7.2 Other expense (5+6-7)                               269                                 44
8 Profit Before Tax                           6,139                           2,850
9 Income tax expense                               665                               316
10 Profit After Taxes (8-9)                           5,474                           2,534
11 Other comprehensive income                               (88)                                  –
12 Total comprehensive income for the year (10+11)                           5,386                           2,534
(in millions of MNT)
OFF BALANCE SHEET 31/12/2020 31/03/2021
Contingencies and commitments (net)                           1,925                           1,588
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA Limit 31/03/2021
Tier 1 ratio ≥ 9% 32.9%
Capital adequacy ratio ≥ 12% 32.9%
Liquidity ≥ 20% 28.2%
Foreign currency open position ratio (by each currency) < ±15% 2.8%
Foreign currency open position ratio (total) < ±30% 4.8%
(in millions of MNT)
Related parties Categary of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital) 4.5%
1.1 Shareholders of the Bank                                  –                                  – 0.0%
1.2 Key management personnel                                  –                                  – 0.0%
1.3 Other related parties  Loan                           5,064 4.5%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital) 15.9%
2.1 Shareholders of the Bank Loan                                  – 0.0%
2.2 Key management personnel Loan                               192 0.2%
Categories
Quarterly financial statements

Year-2020 Quarter- 4

Quarter-4,2020
(in millions of MNT)
BALANCE SHEET ITEMS 31/12/2020
1 ASSET
1.1 Cash and cash equivalents       108,616.36
1.2 Due from banks and financial institutions                         –
1.3 Financial investments          23,197.25
1.4 Loans and advances to customers (net)       216,691.33
1.4.1 Performing loans       211,821.02
1.4.2 Past due loans            5,186.43
1.4.3 Non-performing loans          14,984.03
1.4.4 Deferred loan payment                (48.33)
1.4.5 Accrued interest receivable            1,269.22
1.4.6 Loan Loss Provision       (16,521.04)
1.5 Derivative financial assets                         –
1.6 Other financial assets                226.85
1.7 Other non-financial assets            1,738.64
1.8 Fixed assets (net)            9,360.38
1.9 Intangible assets                458.04
1.10 Total assets       360,288.84
2 LIABILITIES
2.1 Current account            9,824.70
2.2 Savings account          78,073.11
2.3 Due to banks and financial instituitions       132,816.61
2.4 Other deposits          23,001.02
2.5 Derivative financial liabilities                         –
2.6 Other liabilities            7,426.97
2.7 Total liabilities       251,142.41
3 EQUITY
3.1 Share capital       100,000.00
3.2 Revaluation surplus                    0.57
3.3 Retained earnings /loss/            9,012.18
3.4 Other reserves                133.69
3.5 Total equity       109,146.43
4 TOTAL LIABILITIES AND EQUITY       360,288.84
(in millions of MNT)
INCOME STATEMENT 31/12/2020
1 Interest income          44,737.17
1.1 From Bank of Mongolia                325.53
1.2 From Other banks & financial institutions            3,180.73
1.3 From securities            3,312.45
1.4 From loans          37,918.46
1.5 Other interest income                         –
2 Interest expense          25,089.65
2.1 Interest expense on current account                613.80
2.2 Interest expense on savings account          21,280.78
2.3 Interest expense on borrowed funds                576.00
2.4 Interest expense on securities            1,959.48
2.5 Other interest expense                659.59
3 NET INTEREST INCOME (1-2)          19,647.52
4 Provision expenses (provision reverse income)            8,004.31
4.1 Deposits at other banks and financial institutions                         –
4.2 Securities                         –
4.3 Loans            8,004.31
5 Net interest income after provision [(3)-(4)]          11,643.22
6 Other income            3,675.82
6.1 Non-interest income            3,234.48
6.1.1 Trading income            2,536.23
6.1.2 Exchange and revaluation adjustment expense                250.27
6.1.3 Fees and commission income                447.98
6.2 Other income                441.34
7 Other expense            9,234.18
7.1 Non-interest expense            8,970.62
7.1.1 Other provision expense                189.35
7.1.2 Trade expense                         –
7.1.3 Exchange and revaluation adjustment expense                         –
7.1.4 Fees and commission expense                436.98
7.1.5 Other operating expense            8,344.29
7.2 Other expense (5+6-7)                263.56
8 Profit Before Tax            6,084.86
9 Income tax expense                591.76
10 Profit After Taxes (8-9)            5,493.09
11 Other comprehensive income                         –
12 Total comprehensive income for the year (10+11)            5,493.90
(in millions of MNT)
OFF BALANCE SHEET 31/12/2020
Contingencies and commitments (net)            1,924.78
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA Limit 31/12/2020
Tier 1 ratio ≥ 9% 37.5%
Capital adequacy ratio ≥ 12% 37.5%
Liquidity ≥ 20% 28.5%
Foreign currency open position ratio (by each currency) < ±15% -9.4%
Foreign currency open position ratio (total) < ±30% -9.4%
(in millions of MNT)
Related parties Categary of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1 Shareholders of the Bank                                  –                         – 0.0%
1.2 Key management personnel                                  –                         – 0.0%
1.3 Other related parties  Loan            5,000.00 4.6%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1 Shareholders of the Bank Loan                    0.50 0.0%
2.2 Key management personnel Loan                220.48 0.2%
2.3 Other related parties Loan          17,356.84 15.9%
Categories
Quarterly financial statements

Year-2020 Quarter- 3

Quarter-3,2020
FINANCIAL STATEMENT
(in millions of MNT)
Items 9/30/2020
1 ASSET
1.1 Cash and cash equivalents                    133,563.22
1.2 Due from banks and financial institutions                                     –
1.3 Financial investments                      13,191.82
 1.3.1 Investmens in associates                                     –
1.4 Loans and advances to customers (net)                    250,017.63
 1.4.1 Performing loans                    247,071.17
 1.4.2 Non-performing loans                      13,767.09
 1.4.3 Deferred loan payment                                     –
 1.4.4 Accrued interest receivable                        1,459.94
 1.4.5 Loan Loss Provision                    (12,280.57)
1.5 Derivative financial assets                                     –
1.6 Other financial assets                              11.73
1.7 Other non-financial assets                        2,167.54
1.8 Fixed assets (net)                        6,589.46
1.9 Real estate for investment                                     –
1.10 Assets for sale                                     –
1.11 Intangible assets                            519.06
1.12 Total assets                    406,060.47
2 LIABILITIES
2.1 Current account                      13,398.23
2.2 Savings account                    106,096.43
2.3 Due to banks and financial instituitions                    156,684.96
2.4 Other deposits                      13,250.70
2.5 Other liabilities                        7,444.69
2.10 Total liabilities                    296,875.00
3 EQUITY
3.1 Share capital                    100,000.00
3.2 Share premium                                     –
3.3 Treasury shares                                     –
3.4 Revaluation surplus                                 0.57
3.5 Retained earnings /loss/                        9,051.21
3.6 Other reserves                            133.69
3.7 Total equity                    109,185.47
4 TOTAL LIABILITIES AND EQUITY                    406,060.47
INCOME STATEMENT
(in millions of MNT)
Items 9/30/2020
1 Interest income                      34,565.97
 1.1 From Bank of Mongolia                            260.60
 1.2 From Other banks & financial institutions                        2,323.27
 1.3 From securities                        2,971.27
 1.4 From loans                      29,010.83
 1.5 Other interest income                                     –
2 Interest expense                      20,987.08
 2.1 Interest expense on current account                            609.25
 2.2 Interest expense on savings account                      17,790.67
 2.3 Interest expense on borrowed funds                            216.44
 2.4 Interest expense on securities                        1,859.93
 2.5 Other interest expense                            510.79
3 NET INTEREST INCOME (1-2)                      13,578.88
4 Provision expenses                        3,751.46
 4.1 Deposits at other banks and financial institutions                                     –
 4.2 Securities                                     –
 4.3 Loans                        3,751.46
5 Net interest income after provision [(3)-(4)]                        9,827.42
6 Other income                        3,083.03
 6.1 Non-interest income                        2,706.27
  6.1.1 Trading income                        2,076.15
  6.1.2 Exchange and revaluation adjustment expense                            195.43
  6.1.3 Fees and commission income                            389.55
  6.1.4 Other non-interest income                              45.14
 6.2 Other income                            376.76
7 Other expense                        6,977.27
 7.1 Non-interest expense                        6,733.78
  7.1.1 Other provision expense                                 0.03
  7.1.2 Trade expense                                     –
  7.1.3 Exchange and revaluation adjustment expense                                     –
  7.1.4 Fees and commission expense                            336.98
  7.1.5 Other operating expense                        6,396.77
 7.2 Other expense                            243.49
8 Profit Before Tax (5+6-7)                        5,933.18
9 Income tax expense                            401.06
10 Profit After Taxes (8-9)                        5,532.13
11 Other comprehensive income                                     –
12 Total comprehensive income for the year (10+11)                        5,532.13
OFF BALANCE SHEET
(in millions of MNT)
Contingencies and commitments (net)                        2,654.62
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA
Ratios Limit Bank
Tier 1 ratio ≥ 9% 31.1%
Capital adequacy ratio ≥ 12% 31.1%
Liquidity ≥ 20% 25.5%
Foreign currency open position ratio (by each currency) < ±15% 1.9%
Foreign currency open position ratio (total) < ±30% 2.1%

 

LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
(in millions of MNT)
Related parties Category of assets Balance % in total Equity
1.0 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel – – –
1.3. Other related parties  Loan                                4.05 3.7%
2.0 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank – – –
2.2. Key management personnel  Loan                                0.23 0.2%
2.3. Other related parties  Loan                                9.66 8.6%
Categories
Quarterly financial statements

Year-2020 Quarter- 2

Quarter-2,2020
FINANCIAL STATEMENT
(in millions of MNT)
Items 6/30/2020
1 ASSET
1.1 Cash and cash equivalents                    137,160.43
1.2 Due from banks and financial institutions                                     –
1.3 Financial investments                      13,134.02
 1.3.1 Investmens in associates                                     –
1.4 Loans and advances to customers (net)                    252,408.72
 1.4.1 Performing loans                    248,474.88
 1.4.2 Non-performing loans                      14,786.20
 1.4.3 Deferred loan payment                                     –
 1.4.4 Accrued interest receivable                        1,454.35
 1.4.5 Loan Loss Provision                    (12,306.71)
1.5 Derivative financial assets                                     –
1.6 Other financial assets                                 2.47
1.7 Other non-financial assets                        3,699.34
1.8 Fixed assets (net)                        7,214.57
1.9 Real estate for investment                                     –
1.10 Assets for sale                                     –
1.11 Intangible assets                            627.89
1.12 Total assets                    414,247.44
2 LIABILITIES
2.1 Current account                      24,455.06
2.2 Savings account                    124,946.91
2.3 Due to banks and financial instituitions                    150,728.39
2.4 Other deposits                            250.70
2.5 Other liabilities                      30,077.96
2.10 Total liabilities                    330,459.01
3 EQUITY
3.1 Share capital                      78,000.00
3.2 Share premium                                     –
3.3 Treasury shares                                     –
3.4 Revaluation surplus                                 0.57
3.5 Retained earnings /loss/                        5,654.17
3.6 Other reserves                            133.69
3.7 Total equity                      83,788.43
4 TOTAL LIABILITIES AND EQUITY                    414,247.44
INCOME STATEMENT
(in millions of MNT)
Items 6/30/2020
1 Interest income                      23,923.68
 1.1 From Bank of Mongolia                            187.38
 1.2 From Other banks & financial institutions                        1,631.72
 1.3 From securities                        2,398.20
 1.4 From loans                      19,706.38
 1.5 Other interest income                                     –
2 Interest expense                      15,455.11
 2.1 Interest expense on current account                            604.60
 2.2 Interest expense on savings account                      13,001.28
 2.3 Interest expense on borrowed funds                              65.92
 2.4 Interest expense on securities                        1,434.21
 2.5 Other interest expense                            349.09
3 NET INTEREST INCOME (1-2)                        8,468.58
4 Provision expenses                        3,864.58
 4.1 Deposits at other banks and financial institutions                                     –
 4.2 Securities                                     –
 4.3 Loans                        3,864.58
5 Net interest income after provision [(3)-(4)]                        4,604.00
6 Other income                        4,026.79
 6.1 Non-interest income                        3,701.67
  6.1.1 Trading income                        2,968.51
  6.1.2 Exchange and revaluation adjustment expense                            401.16
  6.1.3 Fees and commission income                            286.85
  6.1.4 Other non-interest income                              45.14
 6.2 Other income                            325.12
7 Other expense                        6,375.08
 7.1 Non-interest expense                        6,279.01
  7.1.1 Other provision expense                                     –
  7.1.2 Trade expense                        1,189.57
  7.1.3 Exchange and revaluation adjustment expense                            311.22
  7.1.4 Fees and commission expense                            222.26
  7.1.5 Other operating expense                        4,555.96
 7.2 Other expense                              96.07
8 Profit Before Tax (5+6-7)                        2,255.70
9 Income tax expense                            120.61
10 Profit After Taxes (8-9)                        2,135.09
11 Other comprehensive income                                     –
12 Total comprehensive income for the year (10+11)                        2,135.09
OFF BALANCE SHEET
(in millions of MNT)
Contingencies and commitments (net)                        1,932.87
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA
Ratios Limit Bank
Tier 1 ratio ≥ 9% 22.2%
Capital adequacy ratio ≥ 12% 22.2%
Liquidity ≥ 20% 22.2%
Foreign currency open position ratio (by each currency) < ±15% 14.2%
Foreign currency open position ratio (total) < ±30% 16.2%
LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
(in millions of MNT)
Related parties Category of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel – – –
1.3. Other related parties  Loan                        4,008.63 4.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank – – –
2.2. Key management personnel  Loan                            141.48 0.2%
2.3. Other related parties  Loan                      11,395.61 13.6%

 

LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
(in millions of MNT)
Related parties Category of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel – – –
1.3. Other related parties  Loan                        4,008.63 4.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank – – –
2.2. Key management personnel  Loan                            141.48 0.2%
2.3. Other related parties  Loan                      11,395.61 13.6%

 

Categories
Quarterly financial statements

Year-2020 Quarter- 1

Quarter-1,2020
FINANCIAL STATEMENT
(in millions of MNT)
Items 3/31/2020
1 ASSET
1.1 Cash and cash equivalents                    137,435.97
1.2 Due from banks and financial institutions                                     –
1.3 Financial investments                      47,555.46
 1.3.1 Investmens in associates                                     –
1.4 Loans and advances to customers (net)                    268,927.75
 1.4.1 Performing loans                    258,265.78
 1.4.2 Non-performing loans                      18,553.46
 1.4.3 Deferred loan payment                                     –
 1.4.4 Accrued interest receivable                        2,742.45
 1.4.5 Loan Loss Provision                    (10,633.94)
1.5 Derivative financial assets                                     –
1.6 Other financial assets                                 0.28
1.7 Other non-financial assets                        6,152.64
1.8 Fixed assets (net)                        7,141.54
1.9 Real estate for investment                                     –
1.10 Assets for sale                                     –
1.11 Intangible assets                            664.78
1.12 Total assets                    467,878.42
2 LIABILITIES
2.1 Current account                      54,413.44
2.2 Savings account                    149,833.75
2.3 Due to banks and financial instituitions                    127,659.83
2.4 Other deposits                      25,227.73
2.5 Other liabilities                      28,500.86
2.10 Total liabilities                    385,635.60
3 EQUITY
3.1 Share capital                      78,000.00
3.2 Share premium                                     –
3.3 Treasury shares                                     –
3.4 Revaluation surplus                                 0.57
3.5 Retained earnings /loss/                        4,108.56
3.6 Other reserves                            133.69
3.7 Total equity                      82,242.82
4 TOTAL LIABILITIES AND EQUITY                    467,878.42
INCOME STATEMENT
(in millions of MNT)
Items 3/31/2020
1 Interest income                      12,578.62
 1.1 From Bank of Mongolia                            144.14
 1.2 From Other banks & financial institutions                            891.15
 1.3 From securities                        1,497.08
 1.4 From loans                      10,046.24
 1.5 Other interest income                                     –
2 Interest expense                        8,995.93
 2.1 Interest expense on current account                            462.52
 2.2 Interest expense on savings account                        7,516.81
 2.3 Interest expense on borrowed funds                                 5.17
 2.4 Interest expense on securities                            838.76
 2.5 Other interest expense                            172.67
3 NET INTEREST INCOME (1-2)                        3,582.69
4 Provision expenses                        2,311.31
 4.1 Deposits at other banks and financial institutions                                     –
 4.2 Securities                                     –
 4.3 Loans                        2,311.31
5 Net interest income after provision [(3)-(4)]                        1,271.38
6 Other income                        1,884.29
 6.1 Non-interest income                        1,696.44
  6.1.1 Trading income                        1,456.87
  6.1.2 Exchange and revaluation adjustment expense                              48.82
  6.1.3 Fees and commission income                            145.60
  6.1.4 Other non-interest income                              45.14
 6.2 Other income                            187.85
7 Other expense                        2,506.20
 7.1 Non-interest expense                        2,469.42
  7.1.1 Other provision expense                                     –
  7.1.2 Trade expense                                     –
  7.1.3 Exchange and revaluation adjustment expense                                     –
  7.1.4 Fees and commission expense                              96.52
  7.1.5 Other operating expense                        2,372.90
 7.2 Other expense                              36.78
8 Profit Before Tax (5+6-7)                            649.46
9 Income tax expense                              59.99
10 Profit After Taxes (8-9)                            589.48
11 Other comprehensive income                                     –
12 Total comprehensive income for the year (10+11)                            589.48
OFF BALANCE SHEET
(in millions of MNT)
Contingencies and commitments (net)                        1,748.52
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA
Ratios Limit Bank
Tier 1 ratio ≥ 9% 23.5%
Capital adequacy ratio ≥ 12% 23.5%
Liquidity ≥ 20% 31.8%
Foreign currency open position ratio (by each currency) < ±15% 4.1%
Foreign currency open position ratio (total) < ±30% 11.6%

 

LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
/in millions of MNT/
Related parties Category of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel – – –
1.3. Other related parties  Loan                        3,941.76 4.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank – – –
2.2. Key management personnel  Loan                              45.46 0.1%
2.3. Other related parties  Loan                        8,557.37 10.4%
Categories
Quarterly financial statements

Year-2019 Quarter- 4

Quarter-4,2019
FINANCIAL STATEMENT
(in millions of MNT)
Items 12/31/2019
1 ASSET
1.1 Cash and cash equivalents                        200,118.37
1.2 Due from banks and financial institutions                          10,003.42
1.3 Financial investments                          26,168.79
 1.3.5 Investmens in associates                                          –
1.4 Loans and advances to customers (net)                        254,523.39
 1.4.1 Performing loans                        249,501.74
 1.4.2 Non-performing loans                          11,581.75
 1.4.6 Deferred loan payment                                          –
 1.4.7 Accrued interest receivable                             1,654.35
 1.4.8 Loan Loss Provision                          (8,214.45)
1.5 Derivative financial assets                                          –
1.6 Other financial assets                                685.69
1.7 Other non-financial assets                          26,079.09
1.8 Fixed assets (net)                             6,226.80
1.9 Real estate for investment                                          –
1.10 Assets for sale                                          –
1.11 Intangible assets                                747.77
1.12 Total assets                        524,553.34
2 LIABILITIES
2.1 Current account                          57,751.11
2.2 Savings account                        190,952.88
2.3 Due to banks and financial instituitions                        163,726.27
2.4 Other deposits                             4,294.63
2.5 Other liabilities                          26,096.24
2.10 Total liabilities                        442,821.14
3 EQUITY
3.1 Share capital                          78,000.00
3.2 Share premium                                          –
3.3 Treasury shares                                          –
3.4 Revaluation surplus                                     0.57
3.5 Retained earnings /loss/                             3,638.70
3.6 Other reserves                                   92.93
3.7 Total equity                          81,732.20
4 TOTAL LIABILITIES AND EQUITY                        524,553.34
INCOME STATEMENT
(in millions of MNT)
Items 12/31/2019
1 Interest income                          57,389.10
 1.1 From Bank of Mongolia                                114.07
 1.2 From Other banks & financial institutions                             4,577.71
 1.3 From securities                          11,223.25
 1.4 From loans                          41,474.06
 1.5 Other interest income                                          –
2 Interest expense                          39,897.85
 2.1 Interest expense on current account                             1,048.83
 2.2 Interest expense on savings account                          31,857.35
 2.3 Interest expense on borrowed funds                                   13.08
 2.4 Interest expense on securities                             6,593.43
 2.5 Other interest expense                                385.15
3 NET INTEREST INCOME (1-2)                          17,491.25
4 Provision expenses                             6,269.56
 4.1 Deposits at other banks and financial institutions                                          –
 4.2 Securities                                          –
 4.3 Loans                             6,269.56
5 Net interest income after provision [(3)-(4)]                          11,221.69
6 Other income                             2,335.17
 6.1 Non-interest income                             1,820.57
  6.1.1 Trading income                                700.22
  6.1.2 Exchange and revaluation adjustment expense                                318.74
  6.1.3 Fees and commission income                                801.60
  6.1.4 Other non-interest income                                          –
 6.2 Other income                                514.61
7 Other expense                             7,915.68
 7.1 Non-interest expense                             7,677.85
  7.1.1 Other provision expense                                   47.76
  7.1.2 Trade expense                                          –
  7.1.3 Exchange and revaluation adjustment expense                                          –
  7.1.4 Fees and commission expense                                393.38
  7.1.5 Other operating expense                             7,236.71
 7.2 Other expense                                237.83
8 Profit Before Tax (5+6-7)                             5,641.18
9 Income tax expense                             1,124.56
10 Profit After Taxes (8-9)                             4,516.62
11 Other comprehensive income                                          –
12 Total comprehensive income for the year (10+11)                             4,516.62
OFF BALANCE SHEET
(in millions of MNT)
Contingencies and commitments (net)                             2,027.32
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA
Ratios Limit Bank
Tier 1 ratio ≥ 9% 25.9%
Capital adequacy ratio ≥ 12% 25.9%
Liquidity ≥ 25% 53.1%
Foreign currency open position ratio (by each currency) < ±15% 4.9%
Foreign currency open position ratio (total) < ±30% -14.2%

 

LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
(in millions of MNT)
Related parties Category of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel  Loan            20.00 0.0%
1.3. Other related parties  Loan      3,912.68 4.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank –  – –
2.2. Key management personnel  Loan            70.60 0.1%
2.3. Other related parties  Loan    12,526.37 15.3%
Categories
Quarterly financial statements

Year-2019 Quarter- 3

Quarter-3,2019
FINANCIAL STATEMENT
(in millions of MNT)
Items 9/30/2019
1 ASSET
1.1 Cash and cash equivalents                        141,119.03
1.2 Due from banks and financial institutions                          10,003.42
1.3 Financial investments                          66,622.52
 1.3.5 Investmens in associates                                          –
1.4 Loans and advances to customers (net)                        280,025.29
 1.4.1 Performing loans                        266,977.14
 1.4.2 Non-performing loans                          13,611.02
 1.4.6 Deferred loan payment                                          –
 1.4.7 Accrued interest receivable                             1,950.75
 1.4.8 Loan Loss Provision                          (2,513.62)
1.5 Derivative financial assets                                          –
1.6 Other financial assets                                     1.71
1.7 Other non-financial assets                          13,115.29
1.8 Fixed assets (net)                             4,201.97
1.9 Real estate for investment                                          –
1.10 Assets for sale                                          –
1.11 Intangible assets                                529.31
1.12 Total assets                        515,618.54
2 LIABILITIES
2.1 Current account                          39,587.50
2.2 Savings account                        144,868.52
2.3 Due to banks and financial instituitions                        179,269.97
2.4 Other deposits                          31,597.65
2.5 Other liabilities                          35,568.16
2.10 Total liabilities                        430,891.81
3 EQUITY
3.1 Share capital                          78,000.00
3.2 Share premium                                          –
3.3 Treasury shares                                          –
3.4 Revaluation surplus                                     0.57
3.5 Retained earnings /loss/                             6,633.23
3.6 Other reserves                                   92.93
3.7 Total equity                          84,726.73
4 TOTAL LIABILITIES AND EQUITY                        515,618.54
INCOME STATEMENT
(in millions of MNT)
Items 9/30/2019
1 Interest income                          43,812.03
 1.1 From Bank of Mongolia                                   52.35
 1.2 From Other banks & financial institutions                             3,419.95
 1.3 From securities                             8,623.65
 1.4 From loans                          31,716.09
 1.5 Other interest income                                          –
2 Interest expense                          29,675.25
 2.1 Interest expense on current account                                592.02
 2.2 Interest expense on savings account                          23,728.22
 2.3 Interest expense on borrowed funds                                     7.80
 2.4 Interest expense on securities                             5,197.57
 2.5 Other interest expense                                149.65
3 NET INTEREST INCOME (1-2)                          14,136.78
4 Provision expenses                                599.71
 4.1 Deposits at other banks and financial institutions                                          –
 4.2 Securities                                          –
 4.3 Loans                                599.71
5 Net interest income after provision [(3)-(4)]                          13,537.08
6 Other income                             1,277.04
 6.1 Non-interest income                                991.01
  6.1.1 Trading income                                294.94
  6.1.2 Exchange and revaluation adjustment expense                                181.27
  6.1.3 Fees and commission income                                514.80
  6.1.4 Other non-interest income                                          –
 6.2 Other income                                286.04
7 Other expense                             5,421.21
 7.1 Non-interest expense                             5,274.23
  7.1.1 Other provision expense                                   47.76
  7.1.2 Trade expense                                          –
  7.1.3 Exchange and revaluation adjustment expense                                          –
  7.1.4 Fees and commission expense                                304.11
  7.1.5 Other operating expense                             4,922.37
 7.2 Other expense                                146.98
8 Profit Before Tax (5+6-7)                             9,392.91
9 Income tax expense                             1,881.76
10 Profit After Taxes (8-9)                             7,511.15
11 Other comprehensive income                                          –
12 Total comprehensive income for the year (10+11)                             7,511.15
OFF BALANCE SHEET
(in millions of MNT)
Contingencies and commitments (net)                             2,629.91
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA
Ratios Limit Bank
Tier 1 ratio ≥ 9% 21.2%
Capital adequacy ratio ≥ 12% 21.2%
Liquidity ≥ 25% 33.0%
Foreign currency open position ratio (by each currency) < ±15% -5.8%
Foreign currency open position ratio (total) < ±30% -5.8%
LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
(in millions of MNT)
Related parties Category of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel  Loan          35.92 0.0%
1.3. Other related parties  Loan    2,251.02 2.7%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank –  – –
2.2. Key management personnel  Loan       102.49 0.1%
2.3. Other related parties  Loan    4,750.64 5.6%
Categories
Quarterly financial statements

Year-2019 Quarter- 2

Quarter-2,2019
FINANCIAL STATEMENT
(in millions of MNT)
Items 6/30/2019
1 ASSET
1.1 Cash and cash equivalents                     123,003.92
1.2 Due from banks and financial institutions                       10,010.27
1.3 Financial investments                       85,410.09
 1.3.5 Investmens in associates
1.4 Loans and advances to customers (net)                     289,527.99
 1.4.1 Performing loans                     281,350.94
 1.4.2 Non-performing loans                         9,200.00
 1.4.6 Deferred loan payment                                      –
 1.4.7 Accrued interest receivable                         1,301.20
 1.4.8 Loan Loss Provision                       (2,324.15)
1.5 Derivative financial assets                                      –
1.6 Other financial assets                               (0.03)
1.7 Other non-financial assets                             873.62
1.8 Fixed assets (net)                         4,490.18
1.9 Real estate for investment                                      –
1.10 Assets for sale                                      –
1.11 Intangible assets                             525.99
1.12 Total assets                     513,842.04
2 LIABILITIES
2.1 Current account                       20,749.21
2.2 Savings account                     126,650.18
2.3 Due to banks and financial instituitions                     196,350.83
2.4 Other deposits                       53,810.56
2.5 Other liabilities                       34,481.14
2.10 Total liabilities                     432,041.92
3 EQUITY
3.1 Share capital                       78,000.00
3.2 Share premium
3.3 Treasury shares
3.4 Revaluation surplus                                  0.57
3.5 Retained earnings /loss/                         3,706.61
3.6 Other reserves                               92.93
3.7 Total equity                       81,800.11
4 TOTAL LIABILITIES AND EQUITY                     513,842.04
INCOME STATEMENT
(in millions of MNT)
Items 6/30/2019
1 Interest income                       28,393.10
 1.1 From Bank of Mongolia                               46.08
 1.2 From Other banks & financial institutions                         2,300.40
 1.3 From securities                         5,552.01
 1.4 From loans                       20,524.61
 1.5 Other interest income                                      –
2 Interest expense                       19,488.31
 2.1 Interest expense on current account                             286.60
 2.2 Interest expense on savings account                       15,599.71
 2.3 Interest expense on borrowed funds                                  2.95
 2.4 Interest expense on securities                         3,498.71
 2.5 Other interest expense                             100.35
3 NET INTEREST INCOME (1-2)                         8,904.78
4 Provision expenses                             413.00
 4.1 Deposits at other banks and financial institutions                                      –
 4.2 Securities                                      –
 4.3 Loans                             413.00
5 Net interest income after provision [(3)-(4)]                         8,491.79
6 Other income                             736.18
 6.1 Non-interest income                             506.92
  6.1.1 Trading income                                      –
  6.1.2 Exchange and revaluation adjustment expense                             147.78
  6.1.3 Fees and commission income                             359.14
  6.1.4 Other non-interest income                                      –
 6.2 Other income                             229.26
7 Other expense                         3,751.17
 7.1 Non-interest expense                         3,637.07
  7.1.1 Other provision expense                               47.76
  7.1.2 Trade expense                               83.05
  7.1.3 Exchange and revaluation adjustment expense                                      –
  7.1.4 Fees and commission expense                             172.36
  7.1.5 Other operating expense                         3,333.91
 7.2 Other expense                             114.10
8 Profit Before Tax (5+6-7)                         5,476.80
9 Income tax expense                             892.27
10 Profit After Taxes (8-9)                         4,584.53
11 Other comprehensive income                                      –
12 Total comprehensive income for the year (10+11)                         4,584.53
OFF BALANCE SHEET
(in millions of MNT)
Contingencies and commitments (net)                         2,550.28
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA
Ratios Limit Bank
Tier 1 ratio ≥ 9% 21.0%
Capital adequacy ratio ≥ 12% 21.0%
Liquidity ≥ 25% 37.3%
Foreign currency open position ratio (by each currency) < ±15% 3.0%
Foreign currency open position ratio (total) < ±40% 3.2%

 

LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
(in millions of MNT)
Related parties Category of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel  Loan          23.29 0.0%
1.3. Other related parties  Loan    2,251.02 2.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank –  – –
2.2. Key management personnel  Loan          68.94 0.1%
2.3. Other related parties  Loan    4,648.60 5.7%
Categories
Quarterly financial statements

Year-2019 Quarter- 1

Quarter-1,2019
FINANCIAL STATEMENT
(in millions of MNT)
Items 3/31/2019
1 ASSET
1.1 Cash and cash equivalents                        145,008.46
1.2 Due from banks and financial institutions                                          –
1.3 Financial investments                          82,764.14
 1.3.1 Investmens in associates                                          –
1.4 Loans and advances to customers (net)                        278,303.91
 1.4.1 Performing loans                        270,176.04
 1.4.2 Non-performing loans                             9,200.00
 1.4.3 Deferred loan payment                                          –
 1.4.4 Accrued interest receivable                             1,196.14
 1.4.5 Loan Loss Provision                          (2,268.27)
1.5 Derivative financial assets                                          –
1.6 Other financial assets                                   47.22
1.7 Other non-financial assets                                920.20
1.8 Fixed assets (net)                             4,738.28
1.9 Real estate for investment                                          –
1.10 Assets for sale                                          –
1.11 Intangible assets                                618.16
1.12 Total assets                        512,400.36
2 LIABILITIES
2.1 Current account                          10,948.91
2.2 Savings account                          99,473.78
2.3 Due to banks and financial instituitions                        229,355.93
2.4 Other deposits                          59,285.21
2.5 Other liabilities                          33,763.59
2.10 Total liabilities                        432,827.40
3 EQUITY
3.1 Share capital                          78,000.00
3.2 Share premium                                          –
3.3 Treasury shares                                          –
3.4 Revaluation surplus                                     0.57
3.5 Retained earnings /loss/                             1,544.44
3.6 Other reserves                                   27.95
3.7 Total equity                          79,572.96
4 TOTAL LIABILITIES AND EQUITY                        512,400.36
INCOME STATEMENT
(in millions of MNT)
Items 3/31/2019
1 Interest income                          12,999.93
 1.1 From Bank of Mongolia                                   29.61
 1.2 From Other banks & financial institutions                             1,095.69
 1.3 From securities                             2,209.17
 1.4 From loans                             9,665.45
 1.5 Other interest income                                          –
2 Interest expense                             8,615.83
 2.1 Interest expense on current account                                131.66
 2.2 Interest expense on savings account                             7,565.79
 2.3 Interest expense on borrowed funds                                     2.56
 2.4 Interest expense on securities                                868.06
 2.5 Other interest expense                                   47.77
3 NET INTEREST INCOME (1-2)                             4,384.09
4 Provision expenses                                364.34
 4.1 Deposits at other banks and financial institutions                                          –
 4.2 Securities                                          –
 4.3 Loans                                364.34
5 Net interest income after provision [(3)-(4)]                             4,019.76
6 Other income                                403.83
 6.1 Non-interest income                                302.03
  6.1.1 Trading income                                          –
  6.1.2 Exchange and revaluation adjustment expense                                130.02
  6.1.3 Fees and commission income                                172.01
  6.1.4 Other non-interest income                                          –
 6.2 Other income                                101.80
7 Other expense                             1,831.42
 7.1 Non-interest expense                             1,792.77
  7.1.1 Other provision expense                                     2.39
  7.1.2 Trade expense                                117.87
  7.1.3 Exchange and revaluation adjustment expense                                          –
  7.1.4 Fees and commission expense                                105.09
  7.1.5 Other operating expense                             1,567.43
 7.2 Other expense                                   38.65
8 Profit Before Tax (5+6-7)                             2,592.16
9 Income tax expense                                234.78
10 Profit After Taxes (8-9)                             2,357.37
11 Other comprehensive income                                          –
12 Total comprehensive income for the year (10+11)                             2,357.37
OFF BALANCE SHEET
(in millions of MNT)
Contingencies and commitments (net)                             1,259.38
PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA
Ratios Limit Bank
Tier 1 ratio ≥ 9% 22.4%
Capital adequacy ratio ≥ 12% 22.4%
Liquidity ≥ 25% 36.3%
Foreign currency open position ratio (by each currency) < ±15% -5.5%
Foreign currency open position ratio (total) < ±40% -5.5%

 

LOANS AND OTHER EQUIVALENT ASSETS PROVIDED TO RELATED PARTIES OF THE BANK
(in millions of MNT)
Related parties Category of assets Balance % in total Equity
1 Loans and other equivalent asset provided to a related party (less than 5% of capital)
1.1. Shareholders of the Bank –  – –
1.2. Key management personnel – – –
1.3. Other related parties  Loan    2,251.02 2.8%
2 Total Loans and other equivalent asset provided to related parties (less than 20% of capital)
2.1. Shareholders of the Bank – – –
2.2. Key management personnel  Loan       130.01 0.2%
2.3. Other related parties  Loan    4,820.56 6.1%