Page 106 - Annual Report 2022

Banka Kombëtare Tregtare Annual Report 2022 44

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 (continued)
The following table sets out information about the aging analyses of loan to customers in 2022 by business lines’ products.

LOANS TO CUSTOMERS AT AMORTISED COST
Retail lending
31
December
2022 Mortgage Consumer Credit cards
Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total
Current 349,011,644 2,011,418 940,985 351,964,047 214,539,131 337,101 287,016 215,163,248 11,002,564 (31) 9,631 11,012,164
1 - 30 days 23,998,543 721,103 569,096 25,288,742 9,433,540 367,390 22,747 9,823,677 443,385 168 572 444,125
31 - 90 days - 7,149,013 495,092 7,644,105 - 2,815,455 111,280 2,926,735 - 98,150 854 99,004
91 - 180 - - 476,953 476,953 - - 211,431 211,431 - - 7,605 7,605
days
181 - 360 - - 329,794 329,794 - - 345,721 345,721 - - 264,239 264,239
days
> 361 days - - 1,998,597 1,998,597 - - 826,511 826,511 - - - -
Total 373,010,187 9,881,534 4,810,517 387,702,238 223,972,671 3,519,946 1,804,706 229,297,323 11,445,949 98,287 282,901 11,827,137

Value of 506,743,996 18,915,822 15,881,569 541,541,387 184,514,046 4,785,454 3,193,317 192,492,817 - - - -
collateral

LOANS TO CUSTOMERS AT AMORTISED COST
Corporate lending
31
December
2022 Large Corporate SME Corporate Micro Corporate
Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total

Current 469,278,163 66,851,046 7,137,429 543,266,638 78,987,416 5,103,747 2,720,177 86,811,340 36,156,816 1,497,689 844,949 38,499,454
1 - 30 days 21,777,106 1,165,380 4,258,702 27,201,188 5,135,683 447,569 441,396 6,024,648 4,271,014 491,049 63,393 4,825,456
31 - 90 days - 31,910,827 1,270,578 33,181,405 - 1,519,543 117,236 1,636,779 - 1,329,410 275,451 1,604,861
91 - 180 - - 32,099 32,099 - - 306,841 306,841 - - 383,735 383,735
days
181 - 360 - - - - - - 995,401 995,401 - - 190,363 190,363
days
> 361 days - - 7,372,171 7,372,171 - - 1,586,408 1,586,408 - - 1,056,237 1,056,237

Total 491,055,269 99,927,253 20,070,979 611,053,501 84,123,099 7,070,859 6,167,459 97,361,417 40,427,830 3,318,148 2,814,128 46,560,106
Value of 1,030,789,896 88,301,609 45,430,736 1,164,522,241 223,430,089 21,707,824 22,093,293 267,231,206 105,427,207 10,488,120 13,414,052 129,329,379
collateral