Page 120 - Annual Report 2023

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

An analysis of the Bank’s expected timing of cash flows by simple remaining maturity is shown in the following tables.

As at 31 December 2023, the Bank’s monetary assets and liabilities have remaining contractual maturities as follows:
Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total
Assets
Cash and balances with Central Bank 676,805,203 - - - - 676,805,203
Placement and balances with banks 253,190,785 52,069,783 37,201,752 - - 342,462,320
Investment securities 301,651,950 346,903,166 504,536,596 1,817,493,361 445,662,291 3,416,247,364
Loans to banks 2,207,756 - 80,699,254 37,712,049 14,211,479 134,830,538
Loans to customers 70,263,128 47,928,175 377,116,267 688,165,772 510,555,642 1,694,028,984
Other assets 9,701,967 - - - - 9,701,967
Total assets 1,313,820,789 446,901,124 999,553,869 2,543,371,182 970,429,412 6,274,076,376

Liabilities
Customer deposits 3,037,197,834 284,653,010 1,224,118,500 879,319,670 53,725,053 5,479,014,067
Due to banks and financial institutions 148,959,097 - 10,453,903 11,037 - 159,424,037
Due to third parties 8,138,846 - - - - 8,138,846
Accruals and other liabilities 15,807,527 - - - 749,795 16,557,322
Lease liabilities 218,590 438,703 1,892,511 5,639,327 5,993,677 14,182,808
Debt securities issued - - 101,912 33,970,551 - 34,072,463
Subordinated debt - - 208,857 27,645,306 24,327,869 52,182,032
Total liabilities 3,210,321,894 285,091,713 1,236,775,683 946,585,891 84,796,394 5,763,571,575
Net Position (1,896,501,105) 161,809,411 (237,221,814) 1,596,785,291 885,633,018 510,504,801
Cumulative Net Position (1,896,501,105) (1,734,691,694) (1,971,913,508) (375,128,217) 510,504,801 -

LRM reports are produced for each single currency Lek, Euro and USD and for the total statement of financial position as well. Maximum
cumulative outflow limits, which are managed and monitored on a daily-basis, have been assigned for each of the above currencies.

As at 31 December 2022, the Bank’s monetary assets and liabilities have remaining contractual maturities as follows:
Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total
Assets
Cash and balances with Central Bank 537,491,661 - - - - 537,491,661
Placement and balances with banks 438,682,238 6,328,325 28,891,449 - - 473,902,012
Investment securities 57,368,597 260,564,100 400,369,021 1,653,219,584 540,270,076 2,911,791,378
Loans to banks - - 112,272,638 33,621,686 - 145,894,324
Loans to customers 45,960,431 40,355,069 315,585,244 609,582,263 372,198,942 1,383,681,949
Other assets 10,891,554 - - - - 10,891,554
Total assets 1,090,394,481 307,247,494 857,118,352 2,296,423,533 912,469,018 5,463,652,878

Liabilities
Customer deposits 2,516,787,705 236,541,685 1,044,534,502 747,297,697 46,274,277 4,591,435,866
Due to banks and financial institutions 280,220,583 10,127,391 10,683,881 4,752,479 - 305,784,334
Due to third parties 4,294,958 - - - - 4,294,958
Accruals and other liabilities 19,982,011 - - - 835,074 20,817,085
Lease liabilities 192,067 382,969 1,612,033 6,797,368 5,465,502 14,449,939
Subordinated debt - - 166,821 26,676,787 23,475,571 50,319,179
Total liabilities 2,821,477,324 247,052,045 1,056,997,237 785,524,331 76,050,424 4,987,101,361
Net Position (1,731,082,843) 60,195,449 (199,878,885) 1,510,899,202 836,418,594 476,551,517
Cumulative Net Position (1,731,082,843) (1,670,887,394) (1,870,766,279) (359,867,077) 476,551,517 -