/in thousand of MNT/

Balance sheet items 2013 2014 2015 2016 2017 2018
ASSET
Cash and cash equivalents 12,333.36 2,499.95 25,400.77 178,186.35 92,374,661.94 179,445,561.10
Due from financial instituitions 196,746.32 303,147.54 17,020.92 53,779.47   -
Financial investments (available for sale) 3,405,269.51 9,140.00 9,140.00 - 36,950,056.54 29,448,483.79
Loans and advances to customers (net) 7,204,825.43 8,749,746.96 7,703,239.84 7,324,724.80 70,483,770.64 289,072,997.64
Foreclosed assets /net/ - - 1,231,065.00 1,181,325.00   -
Other financial assets 1,538,967.46 661,195.53 318,502.07 400,702.56   237.88
Fixed assets (net)         963,714.36 1,057,125.91
Tangible assets 791,996.43 837,870.71 768,471.51 740,948.95 1,734,329.33 2,181,152.46
Intangible assets 1,785.21 1,523.96 1,262.71 7,763.51 540,031.13 636,568.94
TOTAL ASSETS 13,151,923.72 10,565,124.65 10,074,102.82 9,887,430.63 203,046,563.95 501,842,127.72
LIABILITIES AND EQUITY
Liabilities
Current account 2,056,164.40 68,474.52 88,906.37 161,484.32 225,247.43 25,057,965.01
Savings 710,045.47 76,776.19 26,489.67 40,280.05 110,015,858.50 338,506,567.25
Other liabilities 10,003.47 24,530.42 52,087.14 205,759.17 47,382,219.37 61,062,014.63
Total liabilities 2,776,213.34 169,781.13 167,483.18 407,523.55 157,623,325.30 424,626,546.89
Equity
Share capital 16,000,000.00 16,000,000.00 16,000,000.00 16,000,000.00 50,000,000.00 78,000,000.00
Revaluation surplus 16,353.39 16,353.39 16,353.39 16,353.39 571.18 571.181
Other components of equity 27,946.69 27,946.69 27,946.69 27,946.69 27,946.69 27,946.69
Retained earnings (5,668,589.70) (5,648,956.56) (6,137,680.44) (6,564,392.99) (4,605,279.22) (812,937.05)
Total equity 10,375,710.38 10,395,343.52 9,906,619.64 9,479,907.09 45,423,238.65 77,215,580.82
TOTAL LIABILITIES AND EQUITY 13,151,923.72 10,565,124.65 10,074,102.82 9,887,430.63 203,046,563.95 501,842,127.72
/in thousand of MNT/
Income statement items 2013 2014 2015 2016 2017 2018
Interest income 346,132.11 1,417,556.94 29,025.56 345,812.46 3,504,839.66 24,673,364.55
Interest expense 40,127.58 8,837.55 2,707.16 1,859.26 825,381.56 12,976,558.93
Net interest income 306,004.53 1,408,719.40 26,318.39 343,953.20 2,679,458.10 11,696,805.62
Net trading expense (3,229.77) 159,984.37 (381.37) (174.37) (102,883.95) 563,078.25
Net exchange and revaluation adjustment expense 112,329.36 72,880.08 (1,819.04) (10,699.61) 5,876.73 (231,652.30)
Other operating income 17,255.87 3,266.33 375.98 84.50 626,162.61 882,882.82
Total non-interest income 126,355.45 236,130.77 (1,824.43) (10,789.48) 529,155.38 1,214,308.77
Net operating income 432,359.98 1,644,850.17 24,493.96 333,163.72 3,208,613.48 12,911,114.39
Other operating expense 456,319.19 762,145.42 743,206.07 587,792.72 1,912,070.26 5,750,821.31
Net interest income before provision (23,959.21) 882,704.75 (718,712.11) (254,629.00) 1,296,543.22 7,160,293.07
Provision expenses 937,161.57 1,478,745.65 12,452.55 154,761.39 976,277.64 1,555,978.78
Net profit operating (961,120.78) (596,040.90) (731,164.66) (409,390.39) 2,272,820.86 5,604,314.29
Non operating income 56,572.45 786,257.42 247,207.94 307,310.94 354,876.04 1,723.81
Non operating expense 9,737.28 10,644.18 3,550.90 324,633.10 432,579.23 372,550.70
Net Profit Before Taxes (914,285.61) 179,572.35 (487,507.63) (426,712.55) 2,195,117.67 5,233,487.41
Income tax expense - 159,939.21 1,216.25 - 245,143.90 1,408,138.96
Total comprehensive income for the year (914,285.61) 19,633.14 (488,723.88) (426,712.55) 1,949,973.77 3,825,348.45
Prudential ratios by the Bank of Mongolia
2013 2014 2015 2016 2017 2018
Capital adequacy ratio > 12% 100.29% 99.13% 38.58% 113.87% 52.15% 24.2%
Tier 1 ratio (>9%) 100.13% 98.97% 38.42% 113.67% 52.15% 24.2%
Liquidity (>25%) 178.55% 204.70% 26.20% 56.92% 58.61% 33.7%
Foreign currency open position ratio (total) <+-15% 1.01% 1.05% -2.00% -0.30% 8.6%
Foreign currency open position ratio (by each currency) <+-40% 0.41% 0.50% -1.03% 0.20% -14.75% 8.8%
Total Loans and other equivalent asset provided to related parties <20% 20.24% 19.24% 18.69% 21.10% 19.23% 6.3%
Loans and other equivalent asset provided to a related party <5% 0.00% 1.25% 2.35% 0.00% 0.00% 2.9%