Page 120 - Annual Report 2022

Banka Kombëtare Tregtare Annual Report 2022 58

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)
(c) Liquidity risk (continued)

As at 31 December 2022, the Bank’s monetary assets and liabilities have remaining contractual maturities as follows:
Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total
Assets
Cash and balances
with Central Bank 537,491,661 - - - - 537,491,661
Placement and
balances with 438,682,238 6,328,325 28,891,449 - - 473,902,012
banks
Investment 57,368,597 260,564,100 400,369,021 1,653,219,584 540,270,076 2,911,791,378
securities
Loans to banks - - 112,272,638 33,621,686 - 145,894,324
Loans to customers 45,960,431 40,355,069 315,585,244 609,582,263 372,198,942 1,383,681,949
Other assets 10,891,554 - - - - 10,891,554
Total assets 1,090,394,481 307,247,494 857,118,352 2,296,423,533 912,469,018 5,463,652,878

Liabilities
Customer deposits 2,516,787,705 236,541,685 1,044,534,502 747,297,697 46,274,277 4,591,435,866
Due to banks and
financial institutions 280,220,583 10,127,391 10,683,881 4,752,479 - 305,784,334
Due to third parties 4,294,958 - - - - 4,294,958
Accruals and other
liabilities 19,982,011 - - - 835,074 20,817,085
Lease liabilities 192,067 382,969 1,612,033 6,797,368 5,465,502 14,449,939
Subordinated debt - - 166,821 26,676,787 23,475,571 50,319,179
Total liabilities 2,821,477,324 247,052,045 1,056,997,237 785,524,331 76,050,424 4,987,101,361
Net Position (1,731,082,843) 60,195,449 (199,878,885) 1,510,899,202 836,418,594 476,551,517
Cumulative Net (1,731,082,843) (1,670,887,394) (1,870,766,279) (359,867,077) 476,551,517 -
Position
LRM reports are produced for each single currency Lek, Euro and USD and for the total statement of financial position as well.
Maximum cumulative outflow limits, which are managed and monitored on a daily-basis, have been assigned for each of the
above currencies.