[MSE:GLMT] - Investment Teaser Q4, 2025

As of year-end 2025, the bank demonstrated robust growth with total assets reaching MNT 19.0 trillion and a net profit of MNT 345 billion. Key highlights include:

• Market Leadership: Holds dominant market shares in trade finance (60.6%), custodian banking (50.0%), and gold trading (48.8%).
• Financial Health: Maintained a healthy Capital Adequacy Ratio (CAR) of 15.3% and improved asset quality with an NPL ratio of 2.5%.
• Sustainability: Recognized as "Best ToC Bank," issuing MNT 1 trillion in green loans and targeting a 30% reduction in GHG emissions by 2030.
• Global Standing: Reaffirmed with a 'B+' rating by Fitch and upgraded to 'B1' by Moody’s, reflecting strong alignment with Mongolia's sovereign rating.

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