| BALANSE SHEET |
|
|
| (000,MNT) |
|
|
| |
3/31/2012 |
12/31/2011 |
| Unaudited |
Audited |
| ASSETS |
|
|
| Cash and cash equivalents |
492,091,240 |
541,457,382 |
| Mandatory reserves with the Bank of Mongolia |
185,411,828 |
172,470,710 |
| Due from other banks |
- |
11,224,977 |
| Loans and advances to customers |
1,342,830,660 |
1,377,265,693 |
| Investments in associates |
512,888 |
512,888 |
| Short term investments |
8,990,200 |
23,247,398 |
| Long term investments |
20,434,000 |
42,863,315 |
| Intangible assets |
2,816,374 |
3,000,781 |
| Property and equipment |
58,804,150 |
59,229,908 |
| Other assets |
5,814,668 |
4,470,365 |
| TOTAL ASSETS |
2,117,706,009 |
2,235,743,417 |
| |
|
|
| LIABILITIES |
|
|
| Due to banks |
37,409,255 |
14,466,430 |
| Customer accounts |
1,654,728,547 |
1,812,332,757 |
| Other borrowed funds |
143,141,361 |
148,369,466 |
| Current income tax liability |
3,810,000 |
1,129,771 |
| Other liabilities |
20,927,192 |
12,258,573 |
| TOTAL LIABILITIES |
1,860,016,354 |
1,988,556,997 |
| |
|
|
| Equity attributableto equity holders of the bank |
|
|
| Share capital |
12,994,012 |
12,994,012 |
| Share premium |
13,866,079 |
13,866,079 |
| Revaluation surplus |
15,159,755 |
15,164,056 |
| Share-based payment reserve |
121,096 |
121,096 |
| Retained earnings |
160,159,113 |
146,393,637 |
| Subordinated debt |
55,389,600 |
58,647,540 |
| TOTAL CAPITAL |
257,689,655 |
247,186,420 |
| TOTAL CAPITAL AND LIABILITIES |
2,117,706,009 |
2,235,743,417 |
| |
|
|
| INCOME STATEMENT |
|
|
| (000,MNT) |
|
|
| |
2012 3 months |
2011 YTD |
| |
Unaudited |
Audited |
| Interest income |
59,857,151 |
219,385,632 |
| Interest expense |
27,944,621 |
93,537,508 |
| Net Interest Income |
31,912,530 |
125,848,124 |
| Fees and commission income |
4,764,072 |
13,052,633 |
| Fees and commission expense |
302,833 |
1,299,883 |
| Net fees and commission income |
4,461,239 |
11,752,750 |
| Other operating income |
4,428,842 |
21,121,480 |
| Total operating income |
40,802,611 |
158,722,354 |
| Provision for loan impairment |
(799,378) |
3,039,582 |
| Net operating income |
41,601,989 |
155,682,772 |
| Personnel expenses |
12,235,142 |
40,081,878 |
| Depreciation of property |
1,885,536 |
7,257,671 |
| Other operating expenses |
6,910,137 |
30,099,234 |
| Total operating expenses |
21,030,815 |
77,438,783 |
| Profit before tax |
20,571,174 |
78,243,989 |
| Income tax expense |
6,810,000 |
19,864,779 |
| Profit for the year attributable to Equity holders of the Bank |
13,761,174 |
58,379,210 |
| |
|
|
| Other Indicators |
|
|
| |
3/31/2012 |
12/31/2011 |
| Capital Adequacy ratio |
16.2 |
15.41 |
| Liqudity ratio |
33.4 |
35.29 |
| Number of customers |
2,401,898 |
2,297,887 |
| Number of borrowers |
305,682 |
299,672 |
| Number of employees |
4,221 |
4,178 |
| Number of branches |
503 |
500 |
|
