Page 127 - Annual Report 2022

65 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 interest re-pricing dates of significant categories of financial assets and liabilities of the Bank as at 31 December 2021 were
as follows:

Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 year Total
Assets
Cash and balances with 536,369,185 - - - - 536,369,185
Central Bank
Placement and 536,491,090 13,615,891 7,266,792 - - 557,373,773
balances with banks
Investment securities 491,654,762 851,229,671 1,196,829,536 18,908,004 - 2,558,621,973
Loans to banks 9,947,550 - 68,408,584 59,890,205 - 138,246,339
Loans to customers 583,720,047 34,568,946 387,136,155 219,815,111 85,358,076 1,310,598,335
Total 2,158,182,634 899,414,508 1,659,641,067 298,613,320 85,358,076 5,101,209,605

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 301,295,927 68,320,870 1,135,407 2,193,055 - 372,945,259
financial institutions
Subordinated debt - - 28,405,688 - - 28,405,688
Total 2,590,197,825 308,850,125 1,022,592,324 619,782,461 42,104,335 4,583,527,070