Page 125 - Annual Report 2022

63 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)
(d) Market risk (continued)

2) Interest rate risk (continued)
The average effective yields of significant categories of financial assets and liabilities of the Bank as at 31 December 2022 are
as follows:

Lek USD Euro
Assets
Cash and balances with Central Bank 2.75% - -
Placement and balances with banks 3.40% 4.49% 2.20%
Investment securities 3.38% 5.21% 3.46%
Loans to banks - 7.68% 4.58%
Loans to customers 5.25% 5.34% 4.66%

Liabilities
Customer deposits 1.02% 0.62% 0.64%
Due to banks and financial institutions 2.80% 4.54% 1.10%
Lease Labilities 7.06% 4.25% 3.15%
Subordinated debt - - 7.04%

The average effective yields of significant categories of financial assets and liabilities of the Bank as at 31 December 2021 were
as follows:
Lek USD Euro
Assets
Cash and balances with Central Bank 0.50% - (0.50%)
Placement and balances with banks 1.08% 0.25% (0.38%)
Investment securities 6.04% 4.82% 2.09%
Loans to banks - 2.97% 3.03%
Loans to customers 4.91% 5.68% 5.40%

Liabilities
Customer deposits 0.62% 0.54% 0.49%
Due to banks and financial institutions 0.50% 0.34% 0.15%
Lease Labilities 6.89% 4.24% 2.18%
Subordinated debt - - 5.15%