5B A N K I N G I N M O N G O L I A M B A M a g a z i n e | 2 0 1 4 30 B A N K I N G I N M O N G O L I A M B A M a g a z i n e | 2 0 1 4 31B A N K I N G I N M O N G O L I A M B A M a g a z i n e | 2 0 1 4