Page 123 - Annual Report 2023

ANNUAL REPORT 2023 54
Notes to the Consolidated Financial Statements for the year ended 31 December 2023
(amounts in USD, unless otherwise stated)

The average effective yields of significant categories of financial assets and liabilities of the Bank as at 31 December 2022 were as
follows:

ALL USD EUR
Assets

Cash and balances with Central Bank 2.75% - -
Placement and balances with banks 3.40% 4.49% 2.20%
Investment securities 3.38% 5.21% 3.46%
Loans to banks - 7.68% 4.58%
Loans to customers 5.25% 5.34% 4.66%

Liabilities
Customer deposits 1.02% 0.62% 0.64%
Due to banks and financial institutions 2.80% 4.54% 1.10%

Lease Labilities 7.06% 4.25% 2.16%
Subordinated debt - - 7.04%

The interest re-pricing dates of significant categories of financial assets and liabilities of the Bank as at 31 December 2023 are as follows:

Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 year Total

Assets
Cash and balances with 676,805,203 - - - - 676,805,203
Central Bank
Placement and balances with 253,190,785 52,069,783 37,201,752 - - 342,462,320
banks
Investment securities 330,849,762 350,742,343 512,793,026 1,765,398,272 456,463,961 3,416,247,364

Loans to banks - - 134,830,538 - - 134,830,538

Loans to customers 479,688,228 74,399,146 580,511,199 249,657,693 309,772,718 1,694,028,984

Total 1,740,533,978 477,211,272 1,265,336,515 2,015,055,965 766,236,679 6,264,374,409

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 148,970,134 - 10,453,903 - - 159,424,037
institutions
Debt securities issued - - 101,912 33,970,551 - 34,072,463

Subordinated debt - - 52,182,032 - - 52,182,032
Total 3,186,167,968 284,653,010 1,286,856,347 913,290,221 53,725,053 5,724,692,599