Page 130 - Annual Report 2022

Banka Kombëtare Tregtare Annual Report 2022 68

Banka Kombëtare Tregtare Sh.a.
Notes to the Consolidated Financial Statements for the year ended
31 December 2022 (Amounts in USD, unless otherwise stated)

6. Segmental reporting

31 December 2022 31 December 2021
Geographical
Segments Albania Kosovo Consolidated Albania Kosovo Consolidated
Assets
Cash and balances with 424,252,624 113,239,037 537,491,661 405,076,749 131,292,436 536,369,185
Central Bank
Placement and 393,402,219 80,499,793 473,902,012 523,948,012 33,425,761 557,373,773
balances with banks
Intragroup Receivables 46,851,471 44,818 - 23,804,490 251,354 -
Investment securities 2,676,830,296 234,961,082 2,911,791,378 2,314,619,990 244,001,983 2,558,621,973
Loans to banks 88,639,737 57,254,587 145,894,324 117,002,982 21,243,357 138,246,339
Loans to customers 824,984,684 558,697,265 1,383,681,949 837,399,018 473,199,317 1,310,598,335
Investment in 35,426,345 229,388 1,090,943 36,071,731 - 933,964
associates/subsidiaries
Property and 25,632,870 16,627,930 42,260,800 28,831,697 17,907,698 46,739,395
equipment
Intangible assets 7,434,937 - 7,434,937 12,958,443 4,724,607 17,683,050
Right-of-use assets 11,162,148 3,676,757 14,838,905 4,133,568 - 4,133,568
Deferred tax assets 11,136,494 1,781,593 12,918,087 2,023,654 324,098 2,347,752
Other assets 45,308,627 11,368,444 56,677,071 50,434,534 9,047,815 59,482,349
Total assets 4,591,062,452 1,078,380,694 5,587,982,067 4,356,304,868 935,418,426 5,232,529,683
Liabilities and
shareholder’s equity
Liabilities
Customer deposits 3,741,874,637 850,623,085 4,591,435,866 3,428,230,548 753,945,575 4,182,176,123
Due to banks and 258,294,347 47,489,987 305,784,334 323,032,521 49,912,738 372,945,259
financial institutions
Intragroup Payables 44,818 46,851,471 - 251,354 23,804,490 -
Due to third parties 4,294,958 - 4,294,958 1,943,486 - 1,943,486
Accruals and other 74,875,553 2,979,758 77,855,311 69,019,399 4,347,548 73,366,947
liabilities
Lease Liability 10,650,834 3,799,105 14,449,939 12,907,351 4,817,523 17,724,874
Subordinated debt 26,772,892 23,546,287 50,319,179 28,405,688 - 28,405,688
Total liabilities 4,116,808,039 975,289,693 5,044,139,587 3,863,790,347 836,827,874 4,676,562,377
Shareholder’s equity
Share capital 300,000,000 33,079,215 300,000,000 300,000,000 35,137,601 300,000,000
Legal reserve 60,093,852 - 60,093,852 52,315,511 - 52,315,511
Translation reserve 2,834,477 1,348,194 4,182,671 (1,924,052) (434,072) (2,358,124)
Fair value reserve and (17,833,989) (10,259,824) (28,093,813) 43,989,590 553,250 44,542,840
impairment of FVOCI
Retained earnings 129,160,073 78,923,416 207,659,770 98,133,306 63,333,773 161,467,079
Total shareholder’s 474,254,413 103,091,001 543,842,480 492,514,355 98,590,552 555,967,306
equity
Total liabilities and
shareholder’s equity 4,591,062,452 1,078,380,694 5,587,982,067 4,356,304,702 935,418,426 5,232,529,683

Within “Investment in associates/subsidiaries” and “Customer deposits” for BKT Albania, it is included the amount of EUR
1,000,000, which represents the investment into the share capital of the company “BKT Pay” during 2022, and has been
eliminated on consolidation.