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37/140

www.khanbank.com 5

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22 12,994,012 12,994,012 12,994,012

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38/140

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39/140

www.khanbank.com 7

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40/140

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41/140

www.khanbank.com 9

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276,021,508 (276,021,508) - -

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2011.XII.31


57/140

www.khanbank.com 25

2010 12- 31-

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2010 1- 1-

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2010.12.31-

()

2010.12.31-

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160,575,906 5,203,178 165,779,084

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119,009,457 (31,006,519) - 88,002,938

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2010 12- 31()

103,952,130 65,162,602

( ) 33,655,221 89,554,206

9,481,247 1,343,072

181,839,968 77,837,357

183,702,710 318,131,498

3 - 62,823,500

3 28,826,106 25,351,293

- 4,996,948

541,457,382 645,200,476

2011.XII.31


67/140

www.khanbank.com 35

. ,

.

, , ,

3 , 3

,

1 .

. 2011 12

31- :

-

- (

)

-

3

- 103,952,130 - - - - 103,952,130

- - 33,655,221 - 183,702,710 - 217,357,931

- AA- AA+ - - 105,816,176 - - 105,816,176

- A- A+ - - 75,348,079 - 28,826,106 104,174,185

- - + - - 675,713 - - 675,713

- - + - - 8,477,259 - - 8,477,259

- - + - - 1,003,988 - - 1,003,988

103,952,130 33,655,221 191,321,215 183,702,710 28,826,106 541,457,382

. 2010 12 31-

.


68/140

201136

7,513,030

(.. ) .

(

)

.

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. 14

-

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)

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- 65,162,602 - - - - - - 65,162,602

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- 89,554,206 - 318,131,498 62,823,500 - - 470,509,204

- AA- AA+ - - 47,826,769 - - - 47,826,769

- A- A+ - - 29,386,062 - - 22,835,211 - 52,221,273

- - + - - 624,525 - - - - 624,525

- - + - - 475,701 - - - - 475,701

- - + - - 867,372 - - - - 867,372

-

- - - - - 2,516,082 4,996,948 7,513,030

65,162,602 89,554,206 79,180,429 318,131,498 62,823,500 25,351,293 4,996,948 645,200,476

2011.XII.31


69/140

www.khanbank.com 37

. 2011 12 31-

, 172,470,710 (2010.12.31: 58,481,200 ) .

2011 12- 31 2010 12- 31-

.

9.

.

2011 12 31- 2010 12 31-

:

31- .

, 28- .

2011 12-

312010

12- 31()

3 1

4,221,251 -

1

7,003,726 6,315,506

11,224,977 6,315,506

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12 312010 12

31 ()

- AA- AA+ - 6,315,506

- A- A+ 7,021,903 -

- - + 4,203,074 -

11,224,977 6,315,506


70/140

201138

10.

2011 12-

31

2010 12- 31()

701,514,811 363,100,445 642,913,480 389,500,676 60,968,009 50,207,582

1,405,396,300 802,808,703

: (28,130,607) (26,098,850)

1,377,265,693 776,709,853

2011 12 31- 30 295,531,037

21.0% . 2010 12 31- 30

104,315,245 13.0%

.

2011 :

2011.01.01 20,426,573 2,251,963 3,420,314 26,098,850

/ ( ) (1,252,204) 5,687,541 (1,395,755) 3,039,582 (267,005) (125,237) (615,583) (1,007,825)

2011.12.31 18,907,364 7,814,267 1,408,976 28,130,607

2011.XII.31


71/140

www.khanbank.com 39

2010 :

:

2010.01.01 18,833,975 2,706,146 5,795,406 27,335,527

/ (

)2,190,662 (183,245) (1,421,924) 585,493

(598,064) (270,938) (953,168) (1,822,170)

2010.12.31- 20,426,573 2,251,963 3,420,314 26,098,850

2011 2010

% %

642,471,304 46% 386,811,739 48%

230,952,752 16% 113,159,383 14%

108,270,457 8% 41,974,614 5%

60,139,161 4% 43,419,571 6%

47,359,940 3% 12,868,177 2%

40,075,761 3% 32,169,242 4%

29,262,345 2% 24,777,614 3%

29,022,338 2% 9,998,815 1%

28,716,997 2% 15,220,395 2%

25,069,610 2% 10,948,438 1%

10,294,911 1% 5,831,182 1%

, 8,076,100 1% 6,392,072 1%

145,684,624 10% 99,237,461 12%

( )

1,405,396,300 100% 802,808,703 100%


72/140


73/140

www.khanbank.com 41

2011 12 31- :

2011 ,

- 335,769,943 321,466,028 10,908,352 668,144,323

- 329,851,083 316,412,009 48,603,007 694,866,099

- 12,478,753 2,269,030 30,486 14,778,269

,

678,099,779 640,147,067 59,541,845 1,377,788,691

- 30- 138,989 291,339 40,251 470,579

- 30- 90 723,982 1,050,206 32,997 1,807,185

862,971 1,341,545 73,248 2,277,764

- 15,434,269 - - 15,434,269

- 91- 180 117,367 369,388 7,242 493,997

- 181- 360 1,320,804 221,210 28,487 1,570,501

- 360- 5,679,621 834,270 1,317,187 7,831,078

22,552,061 1,424,868 1,352,916 25,329,845

: (18,907,364) (7,814,267) (1,408,976) (28,130,607)

682,607,447 635,099,213 59,559,033 1,377,265,693


74/140

201142

2010 12 31- :

2010 ,

- 145,714,110 155,571,371 9,222,988 310,508,469

- 155,211,970 230,087,026 37,136,867 422,435,863

- 8,432,213 2,011,726 538,159 10,982,098

,

309,358,293 387,670,123 46,898,014 743,926,430

- 30- 93,260 38,137 60,294 191,691

- 30- 90 302,834 172,844 136,491 612,169

396,094 210,981 196,785 803,860

-

38,963,590 189,997 37,386 39,190,973

- 30- 4,222,106 - - 4,222,106

- 91- 180 1,219,773 212,875 181,206 1,613,854

- 181- 360 1,102,898 374,383 657,275 2,134,556

- 360- 7,837,691 842,317 2,236,916 10,916,924

53,346,058 1,619,572 3,112,783 58,078,413

: (20,426,573) (2,251,963) (3,420,314) (26,098,850)

342,673,872 387,248,713 46,787,268 776,709,853

2011.XII.31


75/140

www.khanbank.com 43

28-

.

.

39, :

-

.

.

.

, , ,

.

.

.

.

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(

) (ii)

( ). 2011 12 31- :

592,494,423 2,274,982,391 90,113,024 39,671,159 278,033,335 717,201,168 357,065,878 28,941,267

58,279,474 766,747,345 1,279,559 579,841


76/140

201144

2010 12 31- :

,

.

.

.

2011 2010 .

31- . 33- . 28- ,

.

11.

.

249,823,222 1,237,242,346 92,850,650 21,650,420

176,200,508 883,117,060 211,048,205 11,387,307

44,401,124 1,243,618,676 2,386,144 438,760

2011 12-

31

2010

12- 31()

243,638 243,638 201,000 201,000 () 58,250 58,250 10,000 10,000

512,888 512,888

2011.XII.31


77/140

www.khanbank.com 45

2011 2010 12 31-

- .

,

. 2011 12 31-

- 19%- 2009 -

. 2011

.

2011 12 31- -

3%- (2010 12 31: 9%) . 2008 - 2011 12 31-

.

2011 2010 12 31-

() 15%- . 2008 -

. 2011 .

- 15%- . 2010

- . 2011 .

2011 12 31-

, , ,

:

2010 12 31-

, , ,

:

1,477,252 143,612 - 62,877

() 11,582,366 4,389,081 860,477 125,841

() 457,033 210 30,061 14,044

13,516,651 4,532,903 890,538 202,762


78/140

201146

1,276,612 5,848 - 6,732

7,502,928 4,844,615 1,048,616 61,845

() 445,495 188 24,091 6,539

9,225,035 4,850,651 1,072,707 75,116

2011 2010 12 31-

.

2011 2010 12 31-

. 33- .

12.

2011 12 31- 8,990,200

14,952,000 .

7.3%- 8.0% .

. 2011 12 31-

, .

31- .

, 28- .

2011 12- 31

2010 12- 31

13,939,684 -

9,307,714 -

23,247,398 -

2011.XII.31


79/140

www.khanbank.com 47

2011 12 31- 40,434,000

.

. 2011 12 31-

, .

. 31-,

, 28- .

13.

14.

2011 12- 312010 12- 31

()

42,863,315 22,329,569

42,863,315 22,329,569

2009 1 1- 5,983,294

() (2,084,302)

2010 1 1- 3,898,992

() 888,572

(), ( 25) (1,257,920)

2010 12 31- 3,529,644


80/140

201148

2010 12 31- () 6,871,866

() (3,342,222)

2010 12 31- 3,529,644

823,100

, ( 25) (1,351,963)

2011 12 31- 3,000,781

2011 12 31- 7,694,966

(4,694,185)

2011 12 31- 3,000,781

.

15.

,

,

,

(-

)

2010.01.01- () 25,485,120 9,744,919 18,940,228 1,127,956 55,298,223

() (3,698,260) (2,507,422) (11,580,312) - (17,785,994)

2010.01.01- 21,786,860 7,237,497 7,359,916 1,127,956 37,512,229

2011.XII.31


81/140

www.khanbank.com 49

,

,

,

(-)

() 769,939 2,092,432 4,049,314 1,967,094 8,878,779

1,492,174 (33,908) 15,617 (1,473,883) -

(4,698) 7,169 (2,471) - -

(75,909) (181,175) (10,864) - (267,948)

45,917 86,868 10,601 - 143,386

(23,577) (243,757) (861,464) - (1,128,798)

14,936 131,735 843,529 - 990,200

()

25 (667,827) (1,170,415) (5,290,366) - (7,128,608)

2010.12.31- ()

23,337,815 7,926,446 6,113,812 1,621,167 38,999,240

2010.12.31- ()

27,647,747 11,378,511 22,132,831 1,621,167 62,780,256

()

(4,309,932) (3,452,065) (16,019,019) - (23,781,016)

2010.12.31- ()

23,337,815 7,926,446 6,113,812 1,621,167 38,999,240

1,566,821 3,232,544 5,206,683 1,930,116 11,936,164

2,042,722 34,169 48,533 (2,125,424) -

(12,244) (234,492) (365) - (247,101)

5,665 94,733 43 - 100,441

(36,003) (285,665) (1,140,746) - (1,462,414)

22,561 205,063 1,126,672 - 1,354,296


82/140

201150

,

,

,

(-)

25 (714,784) (1,396,216) (3,794,708) - (5,905,708)

9,458,500 - - - 9,458,500

4,996,490 - - - 4,996,490

2011.12.31- 40,667,543 9,576,582 7,559,924 1,425,859 59,229,908

2011.12.31- 40,667,543 14,125,067 26,246,936 1,425,859 82,465,405

- (4,548,485) (18,687,012) - (23,235,497)

2011.12.31- 40,667,543 9,576,582 7,559,924 1,425,859 59,229,908

14,454,990 14,706,271

, 68,005 ,

319,286 ( 25) .

2011 12 31- . ,

- 9 .

,

. .

.

4- .

2011 12 31-

25,708,966 (2010: 22,834,228 ) .

:

2011.XII.31


83/140

www.khanbank.com 51

2011.12.31 2010.12.31

40,667,543 23,337,815 (15,164,056) (503,587) (45,802) - 251,281 -

25,708,966 22,834,228

16.

2011.12.312010 12- 31

()

:

531,024 674,069

313,029 318,477

153,355 154,093

138,687 104,420 : (829,547) (955,960)

306,548 295,099

:

2,881,924 1,859,785

428,629 425,507

327,095 127,959

226,588 79,779

168,143 153,302 21,995 1,779

10,669 370,707

- 135,475

76,256 122,053

22,518 86,144

4,163,817 3,362,490


84/140

201152

2011 :

2010 . .

2011.01.01-

673,070 27,318 151,405 104,167 955,960 /( ) (87,030) (7,310) 2,300 34,419 (57,621) (56,182) - (12,610) - (68,792)

2011.12.31- 529,858 20,008 141,095 138,586 829,547

2010.01.01-

630,023 24,965 148,102 90,736 893,826

92,851 5,802 3,303 13,431 115,387

(49,804) (3,449) - - (53,253)

2010.12.31-

673,070 27,318 151,405 104,167 955,960

2011.XII.31


85/140

www.khanbank.com 53

2011 12 31-

.

,

- 786 293,021 11,997 - 305,804

, 786 293,021 11,997 - 305,804

,

- 30- 1,940 170 552 101 2,763

- 31 90 387 54 52 - 493

, 2,327 224 604 101 3,256

- 91 -180 3,510 - - - 3,510

- 181 - 360 13,054 - 3,401 - 16,455

- 360- 511,347 19,784 137,353 138,586 807,070

527,911 19,784 140,754 138,586 827,035

(529,858) (20,008) (141,095) (138,586) (829,547)

1,166 293,021 12,260 101 306,548


86/140

201154

,

- 993 291,159 2,606 243 295,001

,

993 291,159 2,606 243 295,001

,

- 30-

2,000 - - - 2,000

- 31 90 16,447 - 60 - 16,507

,

18,447 - 60 - 18,507

- 91 -180 18,926 18,580 42 151 37,699

- 181 - 360 82,468 - 1,422 9,510 93,400

- 360- 553,235 8,738 149,963 94,516 806,452

654,629 27,318 151,427 104,177 937,551

(673,070) (27,318) (151,405) (104,167) (955,960)

999 291,159 2,688 253 295,099

2010 12 31-

. .

2011.XII.31


87/140

www.khanbank.com 55

2011 2010 12 31- ,

( 28). .

. 2011 2010 12 31- (

) .

. .

31- .

. 28- .

() 12 .

2011 2010 12 31-

, .

2011 12 31- ,

9.4% 10% , 92 - 365 . 2011

12 31- 2014 5 9- , 10%- ING

. 2010 12 31- 2011 1 7- 10%-

. .

31- .

33- . 28- ,

.

17.

2011 12- 31

2010 12- 31

2,023,036 2,495,223 4,537,439 2,526,300

7,905,955 -

14,466,430 5,021,523


88/140

201156

18. ,

2011 12-

31

2010 12- 31()

- 98,035,104 136,991,003

- 5,068,349 43,556

- 11,126,719 5,742

- 376,729,449 308,807,429

- 2,067,739 2,680,103

- 228,816,866 15,369,872

- 128,306,440 76,514,166

- 435,577,664 379,129,365

- 526,604,427 392,008,694

, 1,812,332,757 1,311,549,930

, .

. 2011 12 31- 30

363,678,233 (2010.12.31: 312,893,100 )

20% (2010.12.31: 23.9 %) - .

2011 12 31- 8,055,093 (2010.12.31:

301,944 ) . 30- .

, 31- .

33- . 28- , .

2011.XII.31


89/140

www.khanbank.com 57

2011.12.31 2010.12.31 ()

() 11,246,026 6,318,737 9,807,231 8,846,231

3,529,698 6,323,363

24,582,955 21,488,331

21,055,889 2,246,685

7,021,611 - 6,986,390 10,457,837 6,477,190 8,669,415 , 6,347,929 8,566,275

47,889,009 29,940,212

37,063,973 2,470,856 14,424,904 2,827,939

9,224,913 5,822,965 5,264,000 10,219,965 , 3,728,735 4,407,991 3,121,759 2,402,861

1,339,968 1,402,091

839,441 475,780- 593,183 659,733

168,337 168,337 III 128,289 121,106

75,897,502 30,979,624

148,369,466 82,408,167

19.


90/140

201158

.

.

2007 12 7- 3 2 : ()

6 .

8.89% , 2 , 2012 12 7-

. 2010 12 28- . 3 6 . , 4.56%- , 2 6 LIBOR

3.75% , 2013 12 29- .

.

2011 9 29-

()- 3 . . 2011 12 31-

4.56%- , 2 6 LIBOR 3.75%

. 2014 9 29.

2009 5 12-

( )- 5 . . 2 8.4%- . 2011 5 2.5 . 2.5 . 2012

5 14- .

()

94 , 15 .

, 2009 12 15- . 2012 1 15

. .

5.59% (2010.12.31: 5.46%) . 2012 4 15- 12

2 . 2017 10 15.

, - ( )

36 , 5 .

2011 9 15- . 4.5%. 2012 3

15- 6 2 . 2014 9 15.

2011.XII.31


91/140

www.khanbank.com 59

()

66 , 15 .

2007 12 19- . 6

4.27% (2010.12.31: 3.96%) . 2009 6 15-

9 2 . 2013 6 15.

()

72 , 10 . 2007 11 19- . 6 2008

6.39% , 4.11%-

. 2009 11 16- 9 2 .

2013 11 16.

, ()

72 , 10 .

2007 10 30- . 6 2008

7.13%- .

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2013 9 6.

:

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: , , , , . 2013 3 9-

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92/140

201160

()

-

. 2006 3 -

2.98 .

6 .

2007 2 : 4,561,368,600

4.0% (2010.12.31: 4.8%)-

; 1,830,000 . 6 1%-

1.4% (2010.12.31: 1.73%)- .

,

. 2009 2 , 2010 1 2011 2 1 , 4

18 . 2011 6 29 2011 9 17-

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.

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, , , -, , , , 8

. . 8.1%

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2011.XII.31


93/140

www.khanbank.com 61

( )

( )-

.

. 6 1%- 1.5% (2010.12.31: 1.6%)- .

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( )

. 6 . 2010 8 25-

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. 2021 8 1 .

()

3 - :

(i) - 200,000,000

. 2010 2013 4 9- .

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. 2009 2012 9 .

iii) - - 370,000,000

. 2009 ( 2011 5 2 )

2011 10 1. 2011 166,550,000 .

.

(iv) - 10,000,000

. 2009 2012 9 21- .

(v) 100,000,000 .

2011 , 2014 10 5- .

2010 8 23- - (2

) 168,336,720 . 2012 3 31-


94/140

201162

.

III

2002 137,694

. . 5 2007 1%-

. 2002 12 30 1 .

2031 12 .

.

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2011.XII.31


95/140

www.khanbank.com 63

2011 12- 31- , ,

(2010.12.31: , -

) .

30- .

20.

2011.12.31 2010 12- 31()

:

6,222,164 1,673,933

564,090 268,124

465,636 674,604

385,716 557,516

19,785 13,873

74,440 82,045

7,731,831 3,270,095

:

3,660,752 1,854,590

430,871 148,515

r 4,350 124,920

4,095,973 2,128,025

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, .

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.


96/140

201164

21.

, 2011 6 15-

20 . 2 : 2011 6 30- 12,586,400 ,

2011 8 23- 12,406,900 . 7.3% 6

2011.12.31 2010 12- 31()

27,787,647 -

14,303,286 12,870,263

() 14,147,963 12,815,293

2,839,413 2,554,937

59,078,309 28,240,493

2011 12 31- 778,266 (2010.12.31: 427,612

) () . 2006 12 7 2008 3

12- 30,000 20,000

. - 3,680 9,222 . -

-

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2016 12 6 2018 3 12- .

.

.

12 .

.

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.

2011.XII.31


97/140

www.khanbank.com 65

8.07%- .

.

2011 12 15- 2 .

. 2017 6 15 2018 6 15- 2

. 2 .

-

, 2009 12 28- 10 . . -

. 11.37% (2010.12.31: 11.37%)- . 2015 1

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-

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.

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31- 10%- . 2003 10 31-

. .

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.

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98/140

201166

2010 2011 12 31- :

, .

2011 12 31 2010 12 31-

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12,994,012 (2010: 12,994,012

) .

.

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2010.01.01- 6,497,006 12,994,012 13,866,079 26,860,091

2010.12.31- 6,497,006 12,994,012 13,866,079 26,860,091

2010.12.31- 6,497,006 12,994,012 13,866,079 26,860,091

2011

12- 312010

12- 31

40% 40%

22% 22%

() 13% 13%

. 13% 13%

9% 9%

2% 2%

1% 1%

100% 100%

2011.XII.31


99/140

www.khanbank.com 67

12 31 2010 12 31-

-

:

;

;

.().

30- .

2004

- 2005 5 , 2006 4 2007 3 40,000

. - -

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2011 9 30- 102,000 (2010.12.31: 102,000

) .

23.

2011 2010 ()

186,138,885 136,299,772 30,313,898 26,288,633

2,117,007 211,297

735,609 1,875,615 80,233 1,103,767

219,385,632 165,779,084


100/140

201168

24. ,

2011 2010 ()

, 5,550,980 2,580,551 3,640,076 1,310,672 1,337,115 952,665

924,379 1,521,528 849,715 173,028 353,996 202,880 396,372 318,799

, 13,052,633 7,060,123

, 494,280 232,109 488,696 175,769 316,907 95,870

, 1,299,883 503,748

, 11,752,750 6,556,375

2011 2010 ()

, 85,140,728 68,492,136 4,105,596 3,720,709 3,717,958 3,063,603 573,226 365,737

93,537,508 75,642,185

125,848,124 90,136,899

2011.XII.31


101/140

www.khanbank.com 69

25.

2011 2010 ()

40,081,878 30,026,891

( 14, 15) 7,257,671 8,386,528

4,313,939 3,387,555

3,602,817 3,271,292

3,539,577 2,740,732 3,312,619 2,664,010

, 2,942,260 1,821,614

, 1,810,114 1,895,514

1,675,256 1,401,541

1,376,301 1,310,654

1,360,635 1,093,562

946,940 444,944

, 811,649 744,005

434,315 643,995

419,411 535,884

359,257 399,168

217,396 242,616 129,319 111,167

2,847,429 1,747,795

77,438,783 62,869,467

2011 12 31- 280 702 (2010.12.31-

: 183 944 ) .

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: 1 695 27 ) .

2011 12 31- 247,768 (2010.12.31-

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102/140

201170

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19,864,779 9,515,804

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78,243,989 40,043,595

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, :- (450,000) (450,000)- (39,363) (126,948)- 1,401,775 496,103- (608,630) (521,728) / - 107,478

19,864,779 9,515,804

2011.XII.31


103/140

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MNT USD CNY Euro

251,225,470 198,950,606 86,377,018 718,943 4,185,345 541,457,382

138,738,094 33,732,616 - - - 172,470,710

- 11,224,977 - - - 11,224,977

1,102,984,590 274,259,000 22,103 - - 1,377,265,693

23,247,398 - - - - 23,247,398

42,863,315 - - - - 42,863,315


110/140

201178

2010 12 31- . . ( 3).

MNT USD CNY Euro

151,490 155,058 - - - 306,548

1,559,210,357 518,322,257 86,399,121 718,943 4,185,345 2,168,836,023

12,754,927 1,668,136 1,342 40,005 2,020 14,466,430

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1,379,169,140 373,253,117 55,360,821 2,676,734 1,872,945 1,812,332,757

72,836,731 75,532,735 - - - 148,369,466

7,442,624 273,599 15,608 - - 7,731,831

- 59,078,309 - - - 59,078,309

1,472,203,422 509,805,896 55,377,771 2,716,739 1,874,965 2,041,978,793

87,006,935 8,516,361 31,021,350 (1,997,796) 2,310,380 126,857,230

27,440,466 48,783,861 - 1,184,827 339,459 77,748,613

59,566,469 (40,267,500) 31,021,350 (3,182,623) 1,970,921 49,108,617

MNT USD CNY Euro

370,342,817 225,946,395 44,285,887 1,541,649 3,083,728 645,200,476

2011.XII.31


111/140

www.khanbank.com 79

MNT USD CNY Euro

42,022,433 16,458,767 - - - 58,481,200

- 6,315,506 - - - 6,315,506

671,912,095 104,785,250 12,508 - - 776,709,853

22,329,569 - - - - 22,329,569

138,634 156,465 - - - 295,099

1,106,745,548 353,662,383 44,298,395 1,541,649 3,083,728 1,509,331,703

2,562,983 1,083,640 1,221,442 148,574 4,884 5,021,523

,

983,214,593 281,888,919 42,371,482 1,390,216 2,684,720 1,311,549,930

24,161,148 58,247,019 - - - 82,408,167

2,776,256 487,434 6,405 - - 3,270,095

- 28,240,493 - - - 28,240,493

1,012,714,980 369,947,505 43,599,329 1,538,790 2,689,604 1,430,490,208

94,030,568 (16,285,122) 699,066 2,859 394,124 78,841,495

9,955,785 25,124,863 1,804,513 572,137 103,436 37,560,734

84,074,783 (41,409,985) (1,105,447) (569,278) 290,688 41,280,761


112/140

201180

,

. .

.

.

,

.

2011 12- 31

2010 12- 31

USD 15%- (2010: 15%- ) 1,277,454 (2,442,768)

USD 15%- (2010: 15%- ) (1,277,454) 2,442,768

CNY 5%- (2010: 5%- ) 1,551,068 34,953

CNY 5%- (2010: 5%- ) (1,551,068) (34,953)

Euro 20%- (2010: 20%- ) (399,559) 572Euro 20%- (2010: 20%- ) 399,559 (572)

15%- (2010: 15%- ) 346,557 59,119

15%- (2010: 15%- ) (346,557) (59,119)

- -

2011

2010

USD 15%- (2010: 15%- ) (225,867) (384,420)

USD 15%- (2010: 15%- ) 225,867 384,420

CNY 5%- (2010: 5%- ) 124,677 289,199

CNY 5%- (2010: 5%- ) (124,677) (289,199)Euro 20%- (2010: 20%- ) (12,497) (122,298)

Euro 20%- (2010: 20%- ) 12,497 122,298

15%- (2010: 15%- ) 162,714 81,509

15%- (2010: 15%- ) (162,714) (81,509)

- -

2011.XII.31


113/140

www.khanbank.com 81

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729,791,528 426,168,283 358,573,724 654,302,488 2,168,836,023

1,342,132,049 422,660,260 185,444,136 91,742,348 2,041,978,793

2011.12.31-

(612,340,521) 3,508,023 173,129,588 562,560,140 126,857,230

2010 12- 31-

661,505,619 286,672,991 163,255,579 397,897,514 1,509,331,703

1,010,308,082 258,684,111 116,678,110 44,819,905 1,430,490,208

2010.12.31-

(348,802,463) 27,988,880 46,577,469 353,077,609 78,841,495


114/140

201182

2011 2010 , ,

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2011 2010

MNT USD CNY MNT USD CNY

- 13.7 - - 10.9 - -- 3 - - - - 0.1 -- 3 - - 5.1 - 5.0 2.8- , - - - 11.0 - - - 3- 1

- 6.0 - - - -- 1- - 0.6 - - 1.0 - - 15.7 11.0 14.4 18.7 12.3 -- 16.6 11.3 2.7 19.0 12.6 2.7- 25.8 - - 28.1 - - - 16.1 - - - - -- 7.8 - - - - - - 9.3 - - 10.0 - -

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2011.XII.31


115/140

www.khanbank.com 83

. 2011 12 31 2010 12 31-

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117/140

www.khanbank.com 85

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2011 12 31-

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482,780,915 60,458,000 - - - 543,238,915

, 172,470,710 - - - - 172,470,710

18,177 11,340,619 - - - 11,358,796

68,986,177 356,986,366 421,551,391 643,955,463 233,747,604 1,725,227,001

- 8,163,516 16,491,111 - - 24,654,627

22,013,397 - 4,900,655 18,719,023 - 45,633,075

306,548 - - - - 306,548

746,575,924 436,948,501 442,943,157 662,674,486 233,747,604 2,522,889,672

2,023,036 3,077,500 1,643,339 9,678,988 - 16,422,863

, 1,296,824,212 370,007,467 171,657,642 478,830 - 1,838,968,151

41,518,023 6,298,645 21,305,451 81,436,369 3,156,665 153,715,153


118/140

201186

1

1-6 6-12

12 5

5-

7,434,576 87,908 89,526 119,821 - 7,731,831

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( 30) 55,441,547 4,366,649 5,071,537 452,137 - 65,331,870

( 30) 12,416,743 - - - - 12,416,743

1,415,658,137 385,534,091 203,123,317 138,147,126 33,123,856 2,175,586,527

(669,082,213) 51,414,410 239,819,840 524,527,360 200,623,748 347,303,145

(669,082,213) (617,667,803) (377,847,963) 146,679,397 347,303,145 -

.

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.

2010 12 31-

:

1

1-6 6-12

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550,134,118 97,200,000 - - - 647,334,118

2011.XII.31


119/140

www.khanbank.com 87

1

1-6 6-12

12 5

1

, 58,481,200 - - - - 58,481,200

- 6,349,963 - - - 6,349,963

64,124,110 234,889,941 205,737,803 440,738,279 87,796,941 1,033,287,074

2,100,000 156,404 194,674 21,554,592 - 24,005,670

295,099 - - - - 295,099

675,134,527 338,596,308 205,932,477 462,292,871 87,796,941 1,769,753,124

5,025,724 - - - - 5,025,724

, 972,801,300 233,027,789 122,846,332 541,473 - 1,329,216,894

30,085,284 10,641,263 7,173,389 36,363,753 1,668,148 85,931,837

2,737,167 114,801 124,479 293,648 - 3,270,095

- 1,299,862 1,547,469 36,496,787 - 39,344,118

( 30) 16,942,658 2,491,523 2,276,047 811,654 - 22,521,882

( 30) 15,038,852 - - - - 15,038,852

1,042,630,985 247,575,238 133,967,716 74,507,315 1,668,148 1,500,349,402

(367,496,458) 91,021,070 71,964,761 387,785,556 86,128,793 269,403,722

(367,496,458) (276,475,388) (204,510,627) 183,274,929 269,403,722 -


120/140

201188

, ,

.

2011 12 31- :

1

1-6 6-12

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482,603,982 58,853,400 - - - 541,457,382

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172,470,710 - - - - 172,470,710

18,177 11,206,800 - - - 11,224,977

95,179,552 251,118,573 341,071,686 500,020,441 189,875,441 1,377,265,693

- 7,814,298 15,433,100 - - 23,247,398

21,952,286 - 4,586,784 16,324,245 - 42,863,315

306,548 - - - - 306,548

772,531,255 328,993,071 361,091,570 516,344,686 189,875,441 2,168,836,023

2,023,036 3,036,666 1,500,773 7,905,955 - 14,466,430

, 768,311,901 877,423,652 166,157,522 439,682 - 1,812,332,757

637,472 12,775,850 27,959,340 100,658,218 6,338,586 148,369,466

7,434,576 87,908 89,526 119,821 - 7,731,831

- 335,640 304,516 30,547,074 27,891,079 59,078,309

778,406,985 893,659,716 196,011,677 139,670,750 34,229,665 2,041,978,793

2011.XII.31


121/140

www.khanbank.com 89

2010 12 31- .

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1

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(5,875,730) (564,666,645) 165,079,893 376,673,936 155,645,776 126,857,230

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549,743,948 95,456,528 - - - 645,200,476

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58,481,200 - - - - 58,481,200

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93,765,562 157,270,434 154,615,798 318,787,980 52,270,079 776,709,853

1,959,538 156,404 194,674 20,018,953 - 22,329,569

295,099 - - - - 295,099

704,245,347 259,198,872 154,810,472 338,806,933 52,270,079 1,509,331,703

,

5,021,523 - - - - 5,021,523

520,711,889 678,391,275 111,976,918 469,621 227 1,311,549,930

126,221 15,293,459 11,666,899 53,668,687 1,652,901 82,408,167

2,737,167 114,801 124,479 293,648 - 3,270,095

- 556,156 41,997 27,642,340 - 28,240,493


122/140

201190

1

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528,596,800 694,355,691 123,810,293 82,074,296 1,653,128 1,430,490,208

175,648,547 (435,156,819) 31,000,179 256,732,637 50,616,951 78,841,495

175,648,547 (259,508,272) (228,508,093) 28,224,544 78,841,495 -

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125/140

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2011 12- 312010 12-

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12,994,012 12,994,012

13,866,079 13,866,079

121,096 121,096

146,393,637 94,016,430

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150% 1,958,469 2,937,704 1,971,120 2,956,680

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126/140

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128/140

201196

2011 12- 31 2010 12- 31

36,382,541 4,818,239

15,022,432 9,228,169

12,416,743 15,038,852

7,460,309 4,190,343

6,466,588 4,285,131

77,748,613 37,560,734

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48,783,861 25,124,863

27,440,466 9,955,785

1,184,827 572,137

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339,459 103,436

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129/140

www.khanbank.com 97

2011 12- 31 2010 12- 31

(i) 2,736,906 -

- (ii) 405,099 826,009

(iii) 70,866 71,778

119,004 664,495

3,331,875 1,562,282

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130/140

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- 103,952,130 103,952,130 65,162,602 65,162,602- ( )

33,655,221 33,655,221 89,554,206 89,554,206

- - 9,481,247 9,481,247 1,343,072 1,343,072- 181,839,968 181,839,968 77,837,357 77,837,357- 183,702,710 183,702,710 318,131,498 318,131,498- 3

- - 62,823,500 62,823,500

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28,826,106 28,826,106 25,351,293 25,351,293

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7,003,726 6,944,390 6,315,506 6,387,442

, - 682,607,447 680,475,111 342,673,872 339,886,580- 635,099,213 633,741,093 387,248,713 388,462,898

- 59,559,033 59,341,869 46,787,268 47,014,715 - 13,939,684 13,939,684 - -- 9,307,714 9,307,714 - - 42,863,315 42,922,443 22,329,569 22,338,679 306,548 306,548 295,099 295,099

2,168,836,023 2,165,128,195 1,509,331,703 1,508,067,089

2011.XII.31


131/140

www.khanbank.com 99

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2,023,036 2,023,036 2,495,223 2,495,223

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4,537,439 4,537,439 2,526,300 2,526,300

-

7,905,955 7,864,623 - -

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98,035,104 98,035,104 136,991,003 136,991,003

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5,068,349 5,068,349 43,556 43,556

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11,126,719 11,061,752 5,742 5,704

- 376,729,449 376,729,449 308,807,429 308,807,429

-

2,067,739 2,067,739 2,680,103 2,680,103

- 228,816,866 228,810,817 15,369,872 15,369,437

- 128,306,440 128,306,440 76,514,166 76,514,166

- 435,577,664 435,577,664 379,129,365 379,129,365

- 526,604,427 525,792,868 392,008,694 390,570,581 148,369,466 148,320,796 82,408,167 82,442,702

7,731,831 7,731,831 3,270,095 3,270,095

59,078,309 59,145,661 28,240,493 28,194,627

2,041,978,793 2,041,073,568 1,430,490,208 1,429,040,291


132/140

2011100

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()

.

2 : (i) , (ii) .

. 2011 12 31-

:

2011 2010 - /1 /

0.75 % p.a. 0.8 % p.a.

, - 13.2 % to 22.0 % p.a. 13.6 % to 23.9 % p.a.- 5.2 % to 25.0 % p.a. 5.5 % to 21.7 % p.a.- 24.6 % to 27.0 % p.a. 26.1 % to 27.9 % p.a. 8.0 % p.a. 7.5 % p.a.

- 11.4 % p.a. - , -

11.7 % p.a. 14.2 % p.a.

- 5.2 % to 13.8 % p.a. 3.5 % to 14.2 % p.a.- 2.0 % to 13.8 % p.a. 1.9 % to 14.2 % p.a. 1.0 % to 6.4 % p.a. 1.0 % to 7.2 % p.a. 8.1 % to 9.5 % p.a. 9.2 % to 12.5 % p.a.

32.

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133/140

www.khanbank.com 101

2010 12-

31- :

- 103,952,130

- ( ) 33,655,221

-

- 9,481,247

- 181,839,968

- 183,702,710

- /3 / 28,826,106

, 172,470,710

- /3 1 /

4,221,251

- /1 / 7,003,726

,

- 682,607,447

- 635,099,213

- 59,559,033

- 13,939,684

- 9,307,714

42,863,315

- 1,166

- 293,021

- 12,260

- 101

2,168,836,023


134/140

2011102

- 65,162,602- ( ) 89,554,206-

- 1,343,072- 77,837,357

- 318,131,498

- 3 62,823,500- /3 / 25,351,293

- 3 ,

4,996,948

, 58,481,200 - /1 / 6,315,506 , - 342,673,872- 387,248,713- 46,787,268 22,329,569

- 999- 291,159- 2,688- 253

1,509,331,703

2011 12 31 2010 12 31-

.

.

.

33.

2011.XII.31


135/140

www.khanbank.com 103

,

22- . ,

,

.

2011 12 31- :

.

2011 12 31 2010 12 31-

.

2011 12 31- :

( : 2.4 - 14.4 %)

- 8,546,754 - 159,933 -

- - - - 512,888

, ( : 0 - 13.4 %)

13,101,438 744,734 92,533,427 3,661,036 -

( : 3.9 %)

- 6,986,390 - - -

- - - 778,266 -

( : 8.1

- 11.4 %)

2,839,413 27,787,647 14,303,286 - -

- 783,867 - 4,789 -

(528,582) (1,202,815) (1,494,552) (115,622) -

, - 12,463 - - -

(1,217,777) (3,544,829) (2,786,620) (52,248) -

- (247,768) - (3,327,186) -


136/140

2011104

2011 12 31- :

2010 12 31- :

- 8,690,953 - - -

- (4,133,632) - (19,614) -

( : 2.4 - 12 %)

- 3,989,433 - 179,547 -

- - - - 512,888

, ( : 0 - 14 %)

7,429,524 1,155,094 1,375,104 626,765 49,947

( : 4 %)

- 10,457,837 - - -

- 459,790 - 427,612 -

( :10 11.4 %)

2,554,937 - 12,870,263 - -

2011.XII.31


137/140


138/140

2011106

:

12

.

2012 3 30 .

2011

12- 312010

12- 31

, :

- 2,542,161 1,169,302

- 538,869 190,207

- 338,913 149,546

- DAI- 247,768 574,703- 72,752 4

Documents

annual_report%202011_mon1 Хаан банк тодруулгууд.pdf