Page 107 - Annual Report 2022

45 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 (continued)
The following table sets out information about the aging analyses of loan to customers in 2021 by business lines’ products.

LOANS TO CUSTOMERS AT AMORTISED COST
Retail lending
31
December
2021 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 276,088,049 2,174,923 495,030 278,758,002 189,210,919 1,690,726 65,904 190,967,549 7,909,696 323 2,932 7,912,951
1 - 30 days 19,440,274 425,554 63,057 19,928,885 7,175,989 529,115 22,004 7,727,108 479,591 - 265 479,856
31 - 90 days - 7,511,594 112,294 7,623,888 - 3,910,059 41,548 3,951,607 - 117,437 208 117,645
91 - 180 - - 764,607 764,607 - - 254,942 254,942 - - 14,990 14,990
days
181 - 360 - - 445,236 445,236 - - 333,337 333,337 - - 239,907 239,907
days
> 361 days - - 1,864,073 1,864,073 - - 944,975 944,975 - - - -
Total 295,528,323 10,112,071 3,744,297 309,384,691 196,386,908 6,129,900 1,662,710 204,179,518 8,389,287 117,760 258,302 8,765,349

Value of 450,347,893 23,277,363 13,517,422 487,142,678 183,803,785 9,349,802 2,876,100 196,029,687 - - - -
collateral

LOANS TO CUSTOMERS AT AMORTISED COST
Corporate lending
31
December
2021 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 497,028,147 79,944,729 19,157,100 596,129,976 66,841,350 6,487,454 3,733,621 77,062,425 34,152,309 3,213,787 1,512,093 38,878,189
1 - 30 days 9,647,368 12,741,223 266,717 22,655,308 2,398,414 2,828,690 322,789 5,549,893 2,340,904 1,394,113 201,456 3,936,473
31 - 90 days - 24,049,205 601,475 24,650,680 - 3,093,168 10,391 3,103,559 - 2,384,286 50,401 2,434,687
91 - 180 - - 274,632 274,632 - - 151,833 151,833 - - 619,499 619,499
days
181 - 360 - - 2,071,525 2,071,525 - - 606,634 606,634 - - 218,360 218,360
days
> 361 days - - 7,966,688 7,966,688 - - 1,173,794 1,173,794 - - 1,067,179 1,067,179

Total 506,675,515 116,735,157 30,338,137 653,748,809 69,239,764 12,409,312 5,999,062 87,648,138 36,493,213 6,992,186 3,668,988 47,154,387
Value of 836,828,337 145,200,429 55,962,183 1,037,990,949 173,084,305 37,220,258 23,084,929 233,389,492 99,072,833 27,015,166 13,037,282 139,125,281
collateral