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Quarterly Financial Report

unaudited (in millions of MNT)
BALANCE SHEET 09/30/2024
1 ASSET
1.1. Cash and cash equivalents 208,650.15
1.2. Due from banks and financial institutions 32,701.07
1.3. Financial investments 23,556.06
1.4.  Loans and advances to customers (net) 320,019.77
1.4.1.   Performing loans 282,094.63
1.4.2.    Past due loans 26,392.71
1.4.3.   Non-performing loans 19,922.99
1.4.4.   Deferred loan payment (1,834.07)
1.4.5.   Accrued interest receivable 4,548.13
1.4.6.   Loan Loss Provision (11,104.62)
1.5. Derivative financial assets  -
1.6. Other financial assets  696.45
1.7. Other non-financial assets 2,919.73
1.8. Fixed assets (net)  16.096.84
1.9. Investment property 848.96
1.10. Held-for-sale assets 33.45
1.11. Intangible assets 3,353.61
1.12. Total asset 608,876.10
2 LIABILITIES  
2.1. Current account 46.020.79
2.2. Savings account 270,313.09
2.3. Due to banks and financial instituitions 167.525.41
2.4. Other deposits 5,236.51
2.5. Derivative financial liabilities -
2.6. Other liabilities 1,445.08
  Total liabilities 490,540.88
3 EQUITY  
3.1 Share capital 100,033.19
3.2 Share premium -
3.3 Treasury stock -
3.4 Revaluation surplus -
3.5 Retained earnings /loss/ 18,250.39
3.6 Other reserves 51.65
3.7 Total equity 118,335.23
4 Total liabilities and equity 608,876.10

 

unaudited (in millions of MNT)
  INCOME STATEMENT
1 Interest income 47,649.95
1.1. From Bank of Mongolia 379.45
1.2. From Other banks & financial institutions 2,293.85
1.3. From securities  8,363.53
1.4. From loans 35,880.51
1.5. Other interest income 735.60
2 Interest expense 22,638.84
2.1. Interest expense on current account 563.76
2.2. Interest expense on savings account 21,432.30
2.3. Interest expense on borrowed funds 312.65
2.4. Interest expense on securities 2.26
2.5. Other interest expense 327.87
3 NET INTEREST INCOME (1-2) 25,011.11
4 Provision expenses (provision reverse income) 4,778.35
5 Net interest income after provision [(3)-(4)] 20,232.76
6 Other income 6,204.78
6.1. Non-interest income 4,742.51
6.1.1.   Trading income 2,382.08
6.1.2.   Exchange and revaluation adjustment expense 67.68
6.1.3   Fees and commission income 2,030.88
6.1.4.   Other non-interest income 261.86
6.2. Other income 1,462.28
7 Other expense 19,953.80
7.1. Non-interest expense  19,517.84
7.1.1.   Other provision expense 1,120.51
7.1.2.   Trade expense -
7.1.3.   Exchange and revaluation adjustment expense - 
7.1.4.   Fees and commission expense 501.97
7.1.5.   Other operating expense 17,895.36
7.2 Other operating expense 435.96
8 Profit Before Tax (5+6-7) 6,483.74
9 Income tax expense 527.48
10 Profit After Taxes (8-9) 5,956.27
11 Other comprehensive income -
12 Total comprehensive income for the year (10+11) 5,956.27

    

  (in millions of MNT)
OFF BALANCE SHEET 09/30/2024
Contingencies and commitments (net) 3,409.20

 

PRUDENTIAL RATIOS BY THE BANK OF MONGOLIA LIMIT 06/30/2024
Tier 1 ratio ≥9.00% 30,24%
Capital adequacy ratio ≥12.00% 30,24%
Liquidity ≥25.00% 35.6%
Foreign currency open position ratio (by each currency) < ±15.00% -2.6%
Foreign currency open position ratio (total) < ±30.00% -2.6%

 

        (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      
1.2. Key management personnel      
1.3. Other related parties loan 5,450 4.6%
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 1,208.34 1.02%
2.3. Other related parties loan / recievable 6,958.30 5.88%