(in millions of MNT)
| BALANCE SHEET ITEMS | 30/06/2022 | ||
| 1 | ASSET | ||
| 1.1 | Cash and cash equivalents |
162,346 |
|
| 1.2 | Due from banks and financial institutions |
56,337 |
|
| 1.3 | Financial investments |
41,330 |
|
| 1.4 | Loans and advances to customers (net) |
494,759 |
|
| 1.4.1 | Performing loans |
491,699 |
|
| 1.4.2 | Non-performing loans |
15,638 |
|
| 1.4.3 | Deferred loan payment |
(147) |
|
| 1.4.4 | Accrued interest receivable |
9,983 |
|
| 1.4.5 | Loan Loss Provision |
(22,414) |
|
| 1.5 | Derivative financial assets |
1,318 |
|
| 1.6 | Other financial assets |
144 |
|
| 1.7 | Other non-financial assets |
58,518 |
|
| 1.8 | Fixed assets (net) |
12,585 |
|
| 1.9 | Intangible assets |
9,913 |
|
| 1.10 | Total assets |
837,249 |
|
| 2 | LIABILITIES | ||
| 2.1 | Current account |
111,974 |
|
| 2.2 | Savings account |
304,096 |
|
| 2.3 | Due to banks and financial institutions |
177,022 |
|
| 2.4 | Other deposits |
47,042 |
|
| 2.5 | Derivative financial liabilities |
2,255 |
|
| 2.6 | Other liabilities |
9,362 |
|
| 2.7 | Total liabilities |
651,751 |
|
| 3 | EQUITY | ||
| 3.1 | Share capital |
146,474 |
|
| 3.2 | Share premium |
15,645 |
|
| 3.3 | Treasury shares |
(7,032) |
|
| 3.4 | Revaluation surplus |
1 |
|
| 3.5 | Retained earnings /loss/ |
30,272 |
|
| 3.6 | Other reserves |
138 |
|
| 4 | Total equity |
185,498 |
|
| 5 | TOTAL LIABILITIES AND EQUITY |
837,249 |
|
(in millions of MNT)
| INCOME STATEMENT | 30/06/2022 | |
| 1 | Interest income |
40,320 |
| 1.1 | From Bank of Mongolia |
60 |
| 1.2 | From Other banks & financial institutions |
1,039 |
| 1.3 | From securities |
2,753 |
| 1.4 | From loans |
34,933 |
| 1.5 | Other interest income |
1,535 |
| 2 | Interest expense |
19,420 |
| 2.1 | Interest expense on current account |
– |
| 2.2 | Interest expense on savings account |
15,863 |
| 2.3 | Interest expense on borrowed funds |
1,302 |
| 2.4 | Interest expense on securities |
1,104 |
| 2.5 | Other interest expense |
1,151 |
| 3 | NET INTEREST INCOME (1-2) |
20,900 |
| 4 | Provision expenses (provision reverse income) |
2,216 |
| 4.1 | Deposits at other banks and financial institutions |
– |
| 4.2 | Securities |
– |
| 4.3 | Loans |
2,216 |
| 5 | Net interest income after provision [(3)-(4)] |
18,684 |
| 6 | Other income |
13,250 |
| 6.1 | Non-interest income |
13,101 |
| 6.1.1 | Trading income |
8,236 |
| 6.1.2 | Exchange and revaluation adjustment expense |
4,273 |
| 6.1.3 | Fees and commission income |
588 |
| 6.1.4 | Other non-interest income |
4 |
| 6.2 | Other income |
149 |
| 7 | Other expense |
20,127 |
| 7.1 | Non-interest expense |
19,856 |
| 7.1.1 | Other provision expense |
– |
| 7.1.2 | Trade expense |
5,315 |
| 7.1.3 | Exchange and revaluation adjustment expense |
4,290 |
| 7.1.4 | Fees and commission expense |
596 |
| 7.1.5 | Other operating expense |
9,655 |
| 7.2 | Other expense |
271 |
| 8 | Profit Before Tax (5+6-7) |
11,807 |
| 9 | Income tax expense |
1,981 |
| 10 | Profit After Taxes (8-9) |
9,826 |
| 11 | Other comprehensive income |
– |
| 12 | Total comprehensive income for the year (10+11) |
9,826 |
(in millions of MNT)
| OFF BALANCE SHEET | 30/06/2022 |
| Contingencies and commitments (net) |
20,462 |
| PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA | Limit | 30/06/2022 |
| Tier 1 ratio |
≥ 9% |
29.4% |
| Capital adequacy ratio |
≥ 12% |
29.4% |
| Liquidity |
≥ 25% |
31.1% |
| Foreign currency open position ratio (by each currency) |
< ±15% |
-5.3% |
| Foreign currency open position ratio (total) |
< ±30% |
-9.2% |
(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) |
4.5% |
||
| 1.1 | Shareholders of the Bank |
– |
– |
0.0% |
| 1.2 | Key management personnel |
– |
– |
0.0% |
| 1.3 | Other related parties |
Loan |
8,289 |
4.5% |
| 2 | Total Loans and other equivalent asset provided to related parties (less than 20% of capital) |
18.3% |
||
| 2.1 | Shareholders of the Bank |
Loan |
100 |
0.1% |
| 2.2 | Key management personnel |
Loan |
279 |
0.2% |
| 2.3 | Other related parties |
Loan |
33,615 |
18.1% |