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December 2008. Bank Highlights Bank Highlights Senior Unsecured EMTN (foreign currency)Ba2 LT/ST Bank Deposits (foreign currency)B2/NP LT/ST Bank Deposits.

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Presentation on theme: "December 2008. Bank Highlights Bank Highlights Senior Unsecured EMTN (foreign currency)Ba2 LT/ST Bank Deposits (foreign currency)B2/NP LT/ST Bank Deposits."— Presentation transcript:

1 December 2008

2 Bank Highlights Bank Highlights Senior Unsecured EMTN (foreign currency)Ba2 LT/ST Bank Deposits (foreign currency)B2/NP LT/ST Bank Deposits (domestic currency)Ba1/NP LT/ST Issuer Rating (foreign currency)Ba2/NP LT/ST Issuer Rating (domestic currency)Ba1/NP Subordinated ObligationsBa2 Outlook Stable Bank Ratings by Moodys Financial Results (USD) 1 As at 31 Dec ** Total Asset Total Loans Total Deposits *401.8* Total Equity Net Profit Capital Adequacy19%14%14.2% ROAA3.1%3.5%2.8% ROAE27%32%26.2% MNT/USD = 1, /31/2008 *.Including $ 75 million bonds **.unaudited Best Capitalized bank in Mongolia Rapid growth and improving asset quality Mongolias #1 corporate bank Dominant market share in the corporate and SME client segments, FX, money and bullion markets Leading international trade facilitator of Mongolia First Issuer into the international capital market from Mongolia with a diversified funding base Continuously strong credit fundamentals: Very high profitability with well-managed cost/expenses Diversified loan base and good quality assets Prudent risk management and corporate governance Rated Ba1, i.e. four notches above the Mongolian sovereign, by Moodys

3 Mongolias Best Capitalized Bank and Market Leader Market Share by Profit* Market Share by Deposit* Market Share by Assets* Market Share by Loans* * As of 31 December,

4 Asset/Loan growth exceeds sectors median * As of 31 December 2008 Assets and Loans Asset Composition* Comparison of Assets and Loans to Banking Sector TDB Asset Growth 63.4% 41.6% 32.2% 18.4% Mongolian Banking Sector Asset Growth 42.3% 42.0% 51.8% 7.8% TDB Loan Growth 76.5% 49.4% 54.6% 16.9% Mongolian Banking Sector Loan Growth 48.0% 41.7% 66.2% 1.6% 5

5 Decreasing Non-Performing Loans Loan Classification Gross Loans & NPLs Portfolio Composition* * As of 31 December 2008 Normal 91% 93% 97% 97.0% Past Due 2% 3% 1% 1.5% Substandard 1% 1% 1% 0.3% Doubtful 3% 0% 0% 0.1% Loss 4% 3% 1% 1.2% *

6 Capital Adequacy exceeds requirements Prudential Ratios BOM Threshold Ratios TDB 31 December 2008 Capital adequacy ratio >10%14.2% Liquidity ratio >18%37% Foreign currency exposure <10%7.7% Single borrower exposure/ Capital funds <20%18.3% Related party lending / Capital funds <5%0.1% Bank of Mongolia Requirements Capital Adequacy Ratio BoM minimum required level 10% Capital adequacy ratio is 14.2%*, above the minimum 10% required by BoM BoM has been revising requirements and guidelines to promote the banking system in Mongolia which would benefit TDB * As of 31 December

7 Contact us International and Investment Banking Department Mr. Zoljargal Naidansuren, Head of International and Investment Banking Department Tel: Fax: Mr. Munkhbayasgalan Anya, Head of Marketing and Product Development Department Tel: Fax: Relationship Manager: Ms. Erkhembayar Baltsukh Tel: ext Fax: Trade and Development Bank of Mongolia Juulchin Street - 7, Baga Toiruu - 12 Ulaanbaatar, Mongolia Swift: TDBMMNUB Website:


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