Page 126 - Annual Report 2023

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

6. SEGMENTAL REPORTING

31 December 2023 31 December 2022
Geographical Segments
Albania Kosovo Consolidated Albania Kosovo Consolidated
Assets
Cash and balances with 507,206,616 169,598,587 676,805,203 424,252,624 113,239,037 537,491,661
Central Bank
Placement and balances 213,589,572 130,221,092 342,462,320 393,402,219 80,499,793 473,902,012
with banks
Intragroup Receivables 34,855,827 36,452 - 46,851,471 44,818 -
Investment securities 3,163,753,746 252,493,618 3,416,247,364 2,676,830,296 234,961,082 2,911,791,378
Loans to banks 80,634,375 54,196,163 134,830,538 88,639,737 57,254,587 145,894,324
Loans to customers 1,023,149,690 670,879,294 1,694,028,984 824,984,684 558,697,265 1,383,681,949

Investment in associates/ 35,606,711 145,324 934,512 35,426,345 229,388 1,090,943
subsidiaries
Property and equipment 26,013,962 17,553,983 43,567,945 25,632,870 16,627,930 42,260,800
Intangible assets 13,014,205 806,830 13,821,035 7,434,937 - 7,434,937
Right-of-use assets 10,965,107 4,298,452 15,263,559 11,162,148 3,676,757 14,838,905
Deferred tax assets 9,461,997 1,877,040 11,339,037 11,136,494 1,781,593 12,918,087
Other assets 50,755,898 8,604,485 59,360,383 45,308,627 11,368,444 56,677,071
Total assets 5,169,007,706 1,310,711,320 6,408,660,880 4,591,062,452 1,078,380,694 5,587,982,067
Liabilities and shareholder’s equity
Liabilities
Customer deposits 4,428,072,615 1,052,289,796 5,479,014,067 3,741,874,637 850,623,085 4,591,435,866
Due to banks and financial 106,951,814 52,472,223 159,424,037 258,294,347 47,489,987 305,784,334
institutions
Intragroup Payables 36,452 34,855,827 - 44,818 46,851,471 -

Due to third parties 8,134,168 4,678 8,138,846 4,294,958 - 4,294,958

Accruals and other liabilities 19,664,633 4,993,028 24,657,661 74,875,553 2,979,758 77,855,311
Lease Liability 9,733,967 4,448,841 14,182,808 10,650,834 3,799,105 14,449,939

Debt securities issued 34,072,463 - 34,072,463
Subordinated debt 27,764,038 24,417,994 52,182,032 26,772,892 23,546,287 50,319,179
Total liabilities 4,634,430,150 1,173,482,387 5,771,671,914 4,116,808,039 975,289,693 5,044,139,587
Shareholder’s equity
Share capital 300,000,000 34,280,179 300,000,000 300,000,000 33,079,215 300,000,000

Legal reserve 72,819,171 - 72,819,171 60,093,852 - 60,093,852
Translation reserve 4,501,803 527,036 5,028,839 2,834,477 1,348,194 4,182,671
Fair value reserve and 219,669 (6,290,857) (6,071,188) (17,833,989) (10,259,824) (28,093,813)
impairment of FVOCI
Retained earnings 157,036,913 108,712,575 265,212,144 129,160,073 78,923,416 207,659,770
Total shareholder’s equity 534,577,556 137,228,933 636,988,966 474,254,413 103,091,001 543,842,480
Total liabilities and 5,169,007,706 1,310,711,320 6,408,660,880 4,591,062,452 1,078,380,694 5,587,982,067
shareholder’s equity