Page 121 - Annual Report 2022

59 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)
(c) Liquidity risk (continued)

As at 31 December 2021, 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 536,369,185 - - - - 536,369,185
Placement and
balances with 536,491,090 13,615,891 7,266,792 - - 557,373,773
banks
Investment 60,829,044 171,394,649 399,871,514 1,300,833,649 625,693,117 2,558,621,973
securities
Loans to banks 10,045,870 - 68,584,249 59,616,220 - 138,246,339
Loans to customers 41,020,852 40,855,857 288,953,964 605,147,066 334,620,596 1,310,598,335
Other assets 21,333,007 - - - - 21,333,007
Total assets 1,206,089,048 225,866,397 764,676,519 1,965,596,935 960,313,713 5,122,542,612

Liabilities
Customer deposits 2,288,901,898 240,529,255 993,051,229 617,589,406 42,104,335 4,182,176,123
Due to banks and
financial institutions 303,296,127 51,191,309 6,189,471 12,268,352 - 372,945,259
Due to third parties 1,943,486 - - - - 1,943,486
Accruals and other
liabilities 23,011,471 - - - 893,015 23,904,486
Lease liabilities 209,087 419,087 1,865,776 7,902,837 7,328,087 17,724,874
Subordinated debt - - 68,913 28,336,775 - 28,405,688
Total liabilities 2,617,362,069 292,139,651 1,001,175,389 666,097,370 50,325,437 4,627,099,916
Net Position (1,411,273,021) (66,273,254) (236,498,870) 1,299,499,565 909,988,276 495,442,696
Cumulative Net (1,411,273,021) (1,477,546,275) (1,714,045,145) (414,545,580) 495,442,696 -
Position