(MNT million)
| STATEMENT OF FINANCIAL POSITION | 2025/12/31 | 2026/03/31 | |
| 1 | ASSETS | ||
| 1.1 | Cash and cash equivalents | 443,418 | 514,052 |
| 1.2 | Due from banks and financial institutions | 169,648 | 204,964 |
| 1.3 | Financial investments | 54,353 | 466,998 |
| 1.3.1 | Investments in subsidiaries and associates | – | – |
| 1.4 | Loans and advances to customers (net) | 885,930 | 932,147 |
| 1.4.1 | Performing loans | 838,495 | 866,663 |
| 1.4.2 | Non-performing loans | 77,638 | 87,719 |
| 1.4.3 | Deferred loan payment | (226) | (251) |
| 1.4.4 | Accrued interest receivable | 23,529 | 28,923 |
| 1.4.5 | Loan loss provision | (53,506) | (50,907) |
| 1.5 | Derivative financial assets | 438 | 1,353 |
| 1.6 | Other financial assets | 6,948 | 6,388 |
| 1.7 | Other non-financial assets | 29,933 | 53,321 |
| 1.8 | Fixed assets | 13,886 | 14,987 |
| 1.9 | Investment property | – | – |
| 1.10 | Properties held for sale | 50,916 | 70,776 |
| 1.11 | Intangible assets | 12,221 | 11,811 |
| 1.12 | Total assets | 1,667,691 | 2,276,797 |
| 2 | LIABILITIES | ||
| 2.1 | Current accounts | 185,080 | 140,223 |
| 2.2 | Savings accounts | 955,654 | 1,155,823 |
| 2.3 | Due to banks and financial institutions | 209,521 | 228,853 |
| 2.4 | Other funds | 73,368 | 485,081 |
| 2.5 | Other liabilities | 17,558 | 36,787 |
| 2.6 | Total liabilities | 1,441,181 | 2,046,767 |
| 3 | EQUITY | ||
| 3.1 | Share capital | 146,474 | 146,474 |
| 3.2 | Share premium | 15,645 | 15,645 |
| 3.3 | Treasury shares | (7,032) | (7,032) |
| 3.4 | Revaluation reserves | – | – |
| 3.5 | Retained earnings | 71,359 | 74,879 |
| 3.6 | Other reserves | 64 | 64 |
| 3.7 | Total equity | 226,510 | 230,030 |
| 4 | TOTAL LIABILITIES AND EQUITY | 1,667,691 | 2,276,797 |
(MNT million)
| OFF BALANCE SHEET | ||
| Contingencies and commitments (net) | 16,760 | 35,757 |
(MNT million)
| INCOME STATEMENT | 2025/12/31 | 2026/03/31 | |
| 1 | Interest income | 175,978 | 55,508 |
| 1.1 | From Bank of Mongolia | 144 | 14 |
| 1.2 | From banks and financial institutions | 593 | 51 |
| 1.3 | From securities | 15,101 | 11,542 |
| 1.4 | From loans | 157,860 | 43,856 |
| 1.5 | Other interest income | 2,280 | 45 |
| 2 | Interest expense | 123,102 | 47,181 |
| 2.1 | Interest expense on current accounts | 2,639 | 843 |
| 2.2 | Interest expense on savings accounts | 106,708 | 41,685 |
| 2.3 | Interest expense on borrowed funds | 6,521 | 1,901 |
| 2.4 | Interest expense on securities | 667 | 1,379 |
| 2.5 | Other interest expenses | 6,567 | 1,373 |
| 3 | Net interest income (1-2) | 52,876 | 8,327 |
| 4 | Provision expense | 1,732 | – |
| 5 | Net income after provision (3-4) | 51,144 | 8,327 |
| 6 | Other income | 35,731 | 17,331 |
| 6.1 | Non-interest income | 35,495 | 17,326 |
| 6.1.1 | Trading income | 11,761 | 4,303 |
| 6.1.2 | Foreign exchange and revaluation income | 20,430 | 9,793 |
| 6.1.3 | Fees and commission income | 2,157 | 521 |
| 6.1.4 | Other non-interest income | 1,147 | 2,709 |
| 6.2 | Other income, gain | 236 | 5 |
| 7 | Other expenses | 62,458 | 21,735 |
| 7.1 | Non-interest expenses | 61,763 | 21,710 |
| 7.1.1 | Other provision expense | 1,708 | 22 |
| 7.1.2 | Trading expense | 8,225 | 1,793 |
| 7.1.3 | Foreign exchange and revaluation expense | 18,108 | 10,893 |
| 7.1.4 | Fees and commission expense | 1,712 | 599 |
| 7.1.5 | Other operating expenses | 32,010 | 8,403 |
| 7.2 | Other expenses, losses | 695 | 25 |
| 8 | Profit Before Tax (5+6-7) | 24,417 | 3,923 |
| 9 | Income tax expense | 5,495 | 403 |
| 10 | Net profit for the year (8-9) | 18,922 | 3,520 |
| 11 | Other comprehensive income | 28 | – |
| 12 | Total comprehensive income for the year (10+11) | 18,950 | 3,520 |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | LIMIT | PERFORMANCE |
| Tier 1 capital ratio | ≥ 9% | 18.8% |
| Capital adequacy ratio | ≥ 12% | 18.8% |
| Liquidity ratio | ≥ 25% | 45.3% |
| Foreign currency open position ratio (single currency) | < ±15% | -5.6% |
| Foreign currency open position ratio (total) | < ±30% | -9.7% |
| 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) | |||
| 1.1 | Bank shareholders | – | – | – |
| 1.2 | Key management personnel | – | – | – |
| 1.3 | Other related parties | Loan | 4,782 | 2.1% |
| 2 | Total loans and advances to related parties (less than 20% of total equity) | |||
| 2.1 | Bank shareholders | Loan | 101 | 0.0% |
| 2.2 | Key management personnel | Loan | 467 | 0.2% |
| 2.3 | Other related parties | Loan | 9,287 | 3.6% |
