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December 2008

December 2008. 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 Obligations Ba2

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December 2008

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  1. December 2008

  2. 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 Obligations Ba2 Outlook Stable Bank Highlights Financial Results (USD) • Best Capitalized bank in Mongolia • Rapid growth and improving asset quality • Mongolia’s #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 Moody’s Bank Ratings by Moody’s 1

  3. Mongolia’s Best Capitalized Bank and Market Leader Market Share by Assets* Market Share by Deposit* Market Share by Loans* Market Share by Profit* 2 * As of 31 December , 2008

  4. Assets and Loans Asset Composition* Asset/Loan growth exceeds sector’s median Comparison of Assets and Loans to Banking Sector 2005 2006 2007 2008 • 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 * As of 31 December 2008

  5. Gross Loans & NPLs Portfolio Composition* Decreasing Non-Performing Loans Loan Classification 2005 2006 2007 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 * As of 31 December 2008

  6. Bank of Mongolia Requirements Capital Adequacy Ratio Capital Adequacy exceeds requirements 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 8 * As of 31 December 2008

  7. International and Investment Banking Department Mr. Zoljargal Naidansuren, Head of International and Investment Banking Department Tel: +976 11 319943 Fax: +976 11 312418 Email: zoljargal@tdbm.mn Mr. Munkhbayasgalan Anya, Head of Marketing and Product Development Department Tel: +976 11 328231 Fax: +976 11 328231 Email: munkhbayasgalan@tdbm.mn Relationship Manager: Ms. Erkhembayar Baltsukh Tel: +976 11 319943 ext. 1426 Fax: +976 11 312418 Email: erkhembayar@tdbm.mn Trade and Development Bank of Mongolia Juulchin Street - 7, Baga Toiruu - 12 Ulaanbaatar, Mongolia Swift: TDBMMNUB Website: www.tdbm.mn Contact us

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