Page 105 - Annual Report 2022

43 Banka Kombëtare Tregtare Annual Report 2022

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 2021 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
2021 Due Amount Due Amount
Retail 478,249,393 27,365,792 505,615,185 5,310,667 500,304,518 3,942,406 12,833,322 16,775,728 415,997 16,359,731
lending
Mortgage 278,726,006 19,613,897 298,339,903 2,811,580 295,528,323 2,211,515 8,093,964 10,305,479 193,408 10,112,071
Consumer 191,332,179 7,257,754 198,589,933 2,203,025 196,386,908 1,730,534 4,617,032 6,347,566 217,666 6,129,990
Credit 8,191,208 494,141 8,685,349 296,062 8,389,287 357 122,326 122,683 4,923 117,760
cards
Corporate 618,919,162 15,371,264 634,290,426 21,881,934 612,408,492 100,856,105 53,414,242 154,270,347 18,133,692 136,136,655
lending
Corporate 515,128,938 10,423,770 525,552,708 18,877,193 506,675,515 90,605,980 43,002,348 133,608,328 16,873,171 116,735,157
SME 68,532,415 2,521,935 71,054,350 1,814,586 69,239,764 6,806,870 6,386,144 13,193,014 783,702 12,409,312
Micro 35,257,809 2,425,559 37,683,368 1,190,155 36,493,213 3,443,255 4,025,750 7,469,005 476,819 6,992,186
Total 1,097,168,555 42,737,056 1,139,905,611 27,192,601 1,112,713,010 104,798,511 66,247,564 171,046,075 18,549,689 152,496,386

Off balance - - - 282,557
sheet
Retail - - - 227,043
Credit
cards
Business - - - 55,514
Credit
cards

31 Stage 3 Total net amount at Value of
December amortised cost collateral
2021 Non Past Due Past due Total Allowance Total Carrying Amount
Retail 937,603 8,788,057 9,725,660 4,060,351 5,665,309 522,329,558 683,172,365
lending
Mortgage 782,267 4,279,993 5,062,260 1,317,963 3,744,297 309,384,691 487,142,678
Consumer 146,975 3,604,674 3,751,649 2,088,939 1,662,710 204,179,518 196,029,687
Credit 8,361 903,390 911,751 653,449 258,302 8,765,349 -
cards
Corporate 32,846,364 25,027,323 57,873,687 17,867,500 40,006,187 788,551,334 1,410,505,722
lending
Corporate 26,142,315 17,717,770 43,860,085 13,521,948 30,338,137 653,748,809 1,037,990,949
SME 4,777,893 4,057,245 8,835,138 2,836,076 5,999,062 87,648,138 233,389,492
Micro 1,926,156 3,252,308 5,178,464 1,509,476 3,668,988 47,154,387 139,125,281
Total 33,783,967 33,815,380 67,599,347 21,927,851 45,671,496 1,310,880,892 2,093,678,087

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 ovr
90 dpd, otherwise Non Past Due.