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Card details	Visa Classic debit card
Card account currency	MNT, USD, CNY, EUR
Admission Fee	35,000 MNT
Validity	3 years
Expedited card issuance fee	35,000 MNT
ATM Withdrawal Fee (Other Domestic Banks)	500 MNT or equivalent in other currency
Balance inquiry fee (Other Domestic bank ATMs)	100 MNT or equivalent in other currency
Balance inquiry fee (Domestic banks)	100 MNT or equivalent in other currency
Pin code recovery at branch (Pinpad)	1,000 MNT or equivalent in other currency
Change/Recover e-pin code	No fee
Card re-issuance fee	20,000 MNT
Daily cash withdrawal limit	10,000,000 MNT or equivalent in other currency
Daily purchase limit	50,000,000 MNT or equivalent in other currency
Card account minimum balance	5,000 MNT/ 10 USD/ 10 EUR / 50CNY

Required documents

AFS 2022 TransBank (eng)

AFS 2021 TransBank (eng)

Key performance indicators for evaluating the NPL reduction target (MNT million)	Strategy approval date (2024.12.31)	NPL Reduction Plan			As of Reporting Date /2025.12.31/
		Short Term (1 year)	Medium term (2-4 year)	Long-term (5 or more years)	As of Reporting Date /2025.12.31/
		2025.12.31	2027.12.31	2029.12.31	TARGET	ACTUAL	PERFORMANCE %
Total loan portfolio	678,901.0	1,007,500.0	1,219,075.0	1,475,080.8	1,007,500.0	916,133.3	90.9%
Non performing loan (NPL) portfolio	59,125.0	75,562.5	85,335.3	95,880.3	75,562.5	77,638.3	102.7%
NPL Ratio (%)	8.7%	7.5%	7.0%	6.5%	7.5%	8.5%	113.0%
Total loan loss provisions	51,383.7	62,716.9	70,828.3	79,580.6	62,716.9	53,505.6	85.3%
Non-loan non performing assets	523.9	513.0	400.0	100.0	513.0	545.9	106.4%
Provisions for Non-loan non performing assets	523.9	513.0	400.0	100.0	513.0	545.9	106.4%
Restructured assets ratio	3.5%	5.0%	6.0%	6.0%	5.0%	6.0%	120.0%

STATEMENT OF FINANCIAL POSITION

(MNT million)

1	ASSETS
1.1	Cash and cash equivalents	217,295
1.2	Due from banks and financial institutions	72,350
1.3	Financial investments	72,145
1.4	Loans and advances to customers (net)	680,793
1.4.1	Performing loans	647,070
1.4.2	Non-performing loans	58,622
1.4.3	Deferred loan payment	(159)
1.4.4	Accrued interest receivable	15,776
1.4.5	Loan loss provision	(40,516)
1.5	Derivative financial assets	2,325
1.6	Other financial assets	569
1.7	Other non-financial assets	15,204
1.8	Fixed assets	19,142
1.9	Properties held for sale	26,184
1.1	Intangible assets	13,215
1.11	Total assets	1,119,222
2	LIABILITIES
2.1	Current accounts	82,796
2.2	Savings accounts	491,964
2.3	Due to banks and financial institutions	234,434
2.4	Other funds	78,281
2.5	Derivative financial liabilities	3,354
2.6	Other liabilities	25,835
2.7	Total liabilities	916,664
3	EQUITY
3.1	Share capital	146,474
3.2	Share premium	15,647
3.3	Treasury shares	(7,032)
3.4	Retained earnings	47,370
3.5	Other reserves	99
3.6	Total equity	202,558
4	TOTAL LIABILITIES AND EQUITY	1,119,222

(MNT million)

OFF BALANCE SHEET
Contingencies and commitments (net)		16,091

INCOME STATEMENT

(MNT million)

1	Interest income	35,199
1.1	From Bank of Mongolia	56
1.2	From banks and financial institutions	337
1.3	From securities	3,017
1.4	From loans	31,254
1.5	Other interest income	535
2	Interest expense	21,417
2.1	Interest expense on current accounts	558
2.2	Interest expense on savings accounts	17,808
2.3	Interest expense on borrowed funds	1,515
2.4	Interest expense on securities	201
2.5	Other interest expenses	1,335
3	Net interest income (1-2)	13,782
4	Provision expense	2,626
4.1	Deposits at banks and financial institutions	–
4.2	Securities	–
4.3	Loans	2,626
5	Net income after provision (3-4)	11,156
6	Other income	8,057
6.1	Non-interest income	7,973
6.1.1	Trading income	1,912
6.1.2	Foreign exchange and revaluation income	5,598
6.1.3	Fees and commission income	379
6.1.4	Other non-interest income	84
6.2	Other income, gain	84
7	Other expenses	13,004
7.1	Non-interest expenses	12,896
7.1.1	Other provision expense	–
7.1.2	Trading expense	1,390
7.1.3	Foreign exchange and revaluation expense	4,963
7.1.4	Fees and commission expense	305
7.1.5	Other operating expenses	6,238
7.2	Other expenses, losses	108
8	Profit Before Tax (5+6-7)	6,209
9	Income tax expense	549
10	Net profit for the year (8-9)	5,660
11	Other comprehensive income	–
12	Total comprehensive income for the year (10+11)	5,660

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA	LIMIT	PERFORMANCE
Tier 1 capital ratio	≥ 9%	23.0%
Capital adequacy ratio	≥ 12%	23.0%
Liquidity ratio	≥ 25%	30.1%
Foreign currency open position ratio (single currency)	< ±15%	-4.9%
Foreign currency open position ratio (total)	< ±30%	-12.7%

LOANS AND ADVANCES TO RELATED PARTIES		CATEGORY OF ASSETS	BALANCE (MNT million)	PERCENT OF TOTAL EQUITY
1	Loans and advances to a related party (less than 5% of total equity)			3.3%
1.1	Bank shareholders	–	–	0.0%
1.2	Key management personnel	–	–	0.0%
1.3	Other related parties	Loan	6,666	3.3%
2	Total loans and advances to related parties (less than 20% of total equity)			12.0%
2.1	Bank shareholders	Loan	100	0.0%
2.2	Key management personnel	Loan	544	0.3%
2.3	Other related parties	Loan	23,856	11.7%