Page 104 - Annual Report 2022

Banka Kombëtare Tregtare Annual Report 2022 42

Banka Kombëtare Tregtare Sh.a.
Notes to the Consolidated Financial Statements for the year ended
31 December 2022 (Amounts in USD, unless otherwise stated)

5. Financial risk management (continued)
(b) Credit Risk (continued)
iii. Credit quality analysis

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 Non Past Total Non Past Total
December Past due Total Allowance Carrying Past due Total Allowance Carrying
2022 Due Amount Due 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 11,154,325 447,175 11,601,500 155,551 11,445,949 189 113,031 113,220 14,933 98,287
cards
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 - - - 72,127
Credit
cards
Business - - - 47,645
Credit
cards

31 Stage 3 Total net amount at Value of
December amortised cost collateral
2022 Non Past Due Past due Total Allowance Total Carrying Amount
Retail 3,205,847 7,868,933 11,074,780 4,176,657 6,898,123 628,826,697 734,034,204
lending
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 24,573 689,013 713,586 430,686 282,900 11,827,136 -
cards
Corporate 23,082,314 20,264,983 43,347,297 14,294,731 29,052,566 754,975,024 1,561,082,826
lending
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.