Page 142 - Annual Report 2022

Banka Kombëtare Tregtare Annual Report 2022 80

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

17. Customer deposits (continued)
Current accounts and deposits can be further analysed by original maturity and currency as follows:

31 December 2022 31 December 2021
Foreign Foreign
Local currency currency Total Local currency currency Total
Current accounts 618,049,689 1,088,253,504 1,706,303,193 599,471,325 920,277,746 1,519,749,071
Deposits
On demand 125,227,542 376,757,844 501,985,386 123,619,464 338,101,155 461,720,619
Up to 39 days 55,578,224 31,904,263 87,482,487 34,044,755 42,236,236 76,280,991
40-99 days 23,501,114 73,860,636 97,361,750 27,516,051 64,817,685 92,333,736
100-189 days 45,635,847 81,045,362 126,681,209 54,603,188 78,728,345 133,331,533
190- 370 days 420,209,651 603,323,497 1,023,533,148 437,203,792 582,257,733 1,019,461,525
371 days and over 339,566,236 625,795,911 965,362,147 302,708,996 493,958,785 796,667,781
Accrued interest on deposits 5,593,234 6,947,828 12,541,062 3,871,529 4,132,389 8,003,918
Total deposits 1,015,311,848 1,799,635,341 2,814,947,189 983,567,775 1,604,232,328 2,587,800,103
Other customer accounts 37,587,945 32,597,539 70,185,484 36,688,937 37,938,012 74,626,949
Total customer deposits 1,670,949,482 2,920,486,384 4,591,435,866 1,619,728,037 2,562,448,086 4,182,176,123
Other customer accounts are composed as follows:

31 December 2022 31 December 2021
Foreign Foreign
Local currency currency Total Local currency currency Total
Guarantees for letters of credit - 45 45 - 47 47
Escrow accounts 27,901,615 26,794,439 54,696,054 23,354,027 27,306,737 50,660,764
Payment orders to be executed 1,263,035 661,026 1,924,061 1,016,401 705,338 1,721,739
Other 8,423,295 5,142,029 13,565,324 12,318,509 9,925,890 22,244,399
37,587,945 32,597,539 70,185,484 36,688,937 37,938,012 74,626,949
Deposit guarantee for letters of credit represent the cash collateral held by the Bank against similar collateral provided by the
Bank to correspondent banks for letters of credit opened on behalf of its customers.
Escrow accounts balance represents sums blocked until the completion of an operation or the extinction of a risk. Amounts
registered in these accounts mostly relate to cash coverage received from customers due to the issuance of bid and performance
bonds by the Bank or due to treasury bill transactions with Bank of Albania intermediated by the Bank. Other represents deposits
that are pending to be allocated into the relevant deposit category.