Page 118 - Annual Report 2022

Banka Kombëtare Tregtare Annual Report 2022 56

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)

v. Concentrations of credit risk
The Bank monitors concentrations of credit risk by sector and by geographic location. An analysis of concentrations of credit
risk from loans and investment securities as at 31 December 2022 and 31 December 2021 is shown below:

Note Loans to customers Loans to banks Investment Securities

31 December 31 December 31 December 31 December 31 December 31 December
2022 2021 2022 2021 2022 2021
Carrying amount 9,10,11 1,383,681,949 1,310,598,335 145,894,324 138,246,339 2,911,791,378 2,558,621,973
Concentration by
sector
Corporate 753,572,033 786,443,094 - - 342,014,464 327,269,172
Government 1,355,346 2,052,726 16,465,437 - 2,030,613,264 1,655,903,963
Banks - - 129,428,887 138,246,339 539,163,650 575,448,838
Retail 628,754,570 522,102,515 - - - -
Total 1,383,681,949 1,310,598,335 145,894,324 138,246,339 2,911,791,378 2,558,621,973

Concentration by Note Loans to customers Loans to banks Investment securities
location
31 December 31 December 31 December 31 December 31 December 31 December
2022 2021 2022 2021 2022 2021
Albania 767,785,462 775,006,240 - - 1,527,106,476 1,345,807,234
Kosovo 558,697,265 473,199,317 - - 44,769,360 86,417,093
Europe 21,525,333 27,798,136 92,977,620 46,482,144 813,078,001 693,885,560
Asia - - 19,755,072 47,287,240 218,982,412 187,315,061
Middle East and
Africa - - 33,161,632 40,081,237 113,629,254 96,997,639
America 35,673,889 34,594,642 4,395,718 165,011,032 123,554,206
Australia - - - - 29,214,843 24,645,180
Total 9,10,11 1,383,681,949 1,310,598,335 145,894,324 138,246,339 2,911,791,378 2,558,621,973