Page 24 - BKT Annual Report 2023 EN

24 BANKA KOMBËTARE TREGTARE

RISK

APPETITE

BKT overall risk philosophy is to assume/take measured risks, in support of its
client businesses, which have been independently analyzed by the risk function,
approved by the appropriate authority, and which can be monitored on a regular
basis through appropriate infrastructure. Risk-related businesses must provide a
fair return so that risk/return profile remains in balance. Risk-related businesses
which do not provide a fair return represent an inefficient use of risk capital and
may expose the bank to an excess of losses.

BKT operates as sustainable and safe bank that conducts its activities in a
prudent manner, considers the interests of customers and ensures it can
meet its obligations to key stakeholders (customers, investors, regulators and
employees).

As part of our long-term strategy, we are committed to maintaining a moderate
risk profile managed based on an integrated risk management framework.
BKT is the bank of choice by all its stakeholders providing “sustainable and
transparent relationship banking services, business operations with the highest
customer service quality” to customers, through committed people, recognizing
that our long-term sustainability is dependent on having sound capital and
liquidity to meet all obligations and liabilities as they fall due through the cycle.