Page 108 - Annual Report 2023

39 BANKA KOMBËTARE TREGTARE
Notes to the Consolidated Financial Statements for the year ended 31 December 2023
(amounts in USD, unless otherwise stated)

The following table sets out information about the credit quality of loan to customers in 2022 by asset quality at amortised cost. Unless specifically
indicated, for financial assets, the amounts in the table represent gross carrying amounts.
LOANS TO CUSTOMERS BY ASSET QUALITY AT AMORTISED COST
Stage 1 Stage 2
31
December Total Total
2022 Non Past Past due Total Allowance Carrying Non Past Past due Total Allowance Carrying
Due Due
Amount Amount
Retail 577,390,722 34,082,820 611,473,542 3,044,735 608,428,807 3,865,405 10,498,097 14,363,502 863,735 13,499,767
lending
Mortgage 350,260,052 24,141,178 374,401,230 1,391,043 373,010,187 3,113,587 7,474,922 10,588,509 706,975 9,881,534
Consumer 215,976,345 9,494,467 225,470,812 1,498,141 223,972,671 751,629 2,910,144 3,661,773 141,827 3,519,946
Credit cards 11,154,325 447,175 11,601,500 155,551 11,445,949 189 113,031 113,220 14,933 98,287
Corporate 601,167,966 32,408,243 633,576,209 17,970,011 615,606,198 85,492,831 41,965,929 127,458,760 17,142,500 110,316,260
lending
Corporate 483,284,134 22,667,737 505,951,871 14,896,602 491,055,269 77,388,036 38,907,783 116,295,819 16,368,566 99,927,253
SME 80,719,924 5,315,561 86,035,485 1,912,386 84,123,099 5,870,996 1,652,688 7,523,684 452,825 7,070,859
Micro 37,163,908 4,424,945 41,588,853 1,161,023 40,427,830 2,233,799 1,405,458 3,639,257 321,109 3,318,148
Total 1,178,558,688 66,491,063 1,245,049,751 21,014,746 1,224,035,005 89,358,236 52,464,026 141,822,262 18,006,235 123,816,027
Off balance - - - 119,772
sheet
Retail Credit - - - 72,127
cards
Business
Credit cards - - - 47,645

Stage 3
31 December
2022 Total Carrying Total net Value of
Non Past Due Past due Total Allowance Amount amount at discounted
amortised cost collateral

Retail lending 3,205,847 7,868,933 11,074,780 4,176,657 6,898,123 628,826,697 734,034,204

Mortgage 2,514,789 3,646,574 6,161,363 1,350,846 4,810,517 387,702,238 541,541,387
Consumer 666,485 3,533,346 4,199,831 2,395,125 1,804,706 229,297,323 192,492,817

Credit cards 24,573 689,013 713,586 430,686 282,900 11,827,136 -

Corporate
lending 23,082,314 20,264,983 43,347,297 14,294,731 29,052,566 754,975,024 1,561,082,826

Corporate 17,424,325 12,435,583 29,859,908 9,788,929 20,070,979 611,053,501 1,164,522,241
SME 4,159,794 4,933,049 9,092,843 2,925,384 6,167,459 97,361,417 267,231,206

Micro 1,498,195 2,896,351 4,394,546 1,580,418 2,814,128 46,560,106 129,329,379

Total 26,288,161 28,133,916 54,422,077 18,471,388 35,950,689 1,383,801,721 2,295,117,030

Past due related to each stage is referred as follows:
Stage 1: Past due 1-30 DPD, otherwise Non Past Due, Stage 2: Past due 31-90 DPD, otherwise Non Past Due, Stage 3: Past due over 90 DPD,
otherwise Non Past Due.