Financial Indicatior
Herein are listed quarterly Individual and Consolidated Periodic Financial Reports of Banka Kombetare Tregtare, in accordance with the regulatory requirements of the Bank of Albania.
| (000' USD) |
12/31/2024 |
12/31/2023 |
| |
|
|
| Balance sheet |
|
|
| Total assets |
6,855,674 |
6,408,661 |
| Loans to customers |
1,909,046 |
1,694,029 |
| Investment securities |
3,655,250 |
3,416,247 |
| Customer deposits |
5,747,655 |
5,479,014 |
| Share capital |
350,000 |
300,000 |
| Total shareholder's equity |
712,856 |
636,989 |
| Income statement |
|
|
| Net profit |
121,682 |
90,863 |
| Net interest margin |
222,517 |
192,985 |
| Non - interest income, net |
50,795 |
26,023 |
| Operating expenses |
(123,653) |
(100,323) |
| Impairment of financial assets |
(7,469) |
(13,035) |
| Performance indicators |
|
|
| Capital adequacy ratio |
18.75% |
17.60% |
| Return on average assets (RoAA) |
1.91% |
2.48% |
| Return on equity (RoE) |
19.76% |
26.32% |
| Non-performing loans / Total loans (PAR90) |
2.11% |
1.82% |
| Human resources |
|
|
| Number of staff |
1,584 |
1,516 |
| Number of branches / agencies (*) |
86 |
85 |
| |
|
|
| Exchange Rate - USD/Lek |
94.26 |
93.94 |
| |
|
|
| (*) - As at December 31st, 2024, there are 62 operative branches in Albania and 24 units in Kosovo. |
|
|
| (000' USD) |
06/30/2024 |
12/31/2023 |
| |
|
|
| Balance sheet |
|
|
| Total assets |
6,489,381 |
6,408,661 |
| Loans to customers |
1,748,565 |
1,694,029 |
| Investment securities |
3,497,361 |
3,416,247 |
| Customer deposits |
5,524,310 |
5,479,014 |
| Share capital |
350,000 |
300,000 |
| Total shareholder's equity |
650,242 |
636,989 |
| Income statement |
|
|
| Net profit |
64,935 |
90,863 |
| Net interest margin |
107,375 |
192,985 |
| Non - interest income, net |
26,406 |
26,023 |
| Operating expenses |
(56,746) |
(100,323) |
| Impairment of financial assets |
(1,083) |
(13,035) |
| Performance indicators |
|
|
| Capital adequacy ratio |
17.64% |
17.60% |
| Return on average assets (RoAA) |
1.99% |
2.48% |
| Return on equity (RoE) |
20.85% |
26.32% |
| Non-performing loans / Total loans (PAR90) |
2.16% |
1.82% |
| Human resources |
|
|
| Number of staff |
1,534 |
1,516 |
| Number of branches / agencies (*) |
86 |
85 |
| |
|
|
| Exchange Rate - USD/Lek |
93.70 |
93.94 |
| |
|
|
| (*) - As at June 30th, 2024, there are 63 operative branches in Albania and 23 units in Kosovo. . |
|
|
| (000' USD) |
12/31/2023 |
12/31/2022 |
| |
|
|
| Balance sheet |
|
|
| Total assets |
6,408,661 |
5,587,982 |
| Loans to customers |
1,694,029 |
1,383,682 |
| Investment securities |
3,416,247 |
2,911,791 |
| Customer deposits |
5,479,014 |
4,591,436 |
| Share capital |
300,000 |
300,000 |
| Total shareholder's equity |
636,989 |
543,842 |
| Income statement |
|
|
| Net profit |
90,863 |
105,315 |
| Net interest margin |
192,985 |
143,186 |
| Non - interest income, net |
26,023 |
87,756 |
| Operating expenses |
(100,323) |
(80,880) |
| Impairment of financial assets |
(13,035) |
(28,814) |
| Performance indicators |
|
|
| Capital adequacy ratio |
17.60% |
17.22% |
| Return on average assets (RoAA) |
2.48% |
0.75% |
| Return on equity (RoE) |
26.32% |
6.81% |
| Non-performing loans / Total loans (PAR90) |
1.82% |
2.08% |
| Human resources |
|
|
| Number of staff |
1,516 |
1,406 |
| Number of branches / agencies (*) |
85 |
85 |
| |
|
|
| Exchange Rate - USD/Lek |
93.94 |
107.05 |
| |
|
|
| (*) - As at December 31st, 2023, there are 63 operative branches in Albania and 22 units in Kosovo. |
|
|
| (000' USD) |
6/30/2023 |
12/31/2022 |
| |
|
|
| Balance sheet |
|
|
| Total assets |
5,773,378 |
5,587,982 |
| Loans to customers |
1,522,873 |
1,383,682 |
| Investment securities |
3,148,294 |
2,911,791 |
| Customer deposits |
4,874,697 |
4,591,436 |
| Share capital |
300,000 |
300,000 |
| Total shareholder's equity |
562,739 |
543,842 |
| Income statement |
|
|
| Net profit |
45,074 |
105,315 |
| Net interest margin |
88,549 |
143,186 |
| Non - interest income, net |
9,681 |
87,756 |
| Operating expenses |
(44,644) |
(80,880) |
| Impairment of financial assets |
(1,104) |
(28,814) |
| Performance indicators |
|
|
| Capital adequacy ratio |
17.64% |
17.22% |
| Return on average assets (RoAA) |
2.49% |
0.75% |
| Return on equity (RoE) |
26.94% |
6.81% |
| Non-performing loans / Total loans (PAR90) |
2.04% |
2.08% |
| Human resources |
|
|
| Number of staff |
1,439 |
1,406 |
| Number of branches / agencies (*) |
85 |
85 |
| |
|
|
| Exchange Rate - USD/Lek |
98.15 |
107.05 |
| |
|
|
| (*) - As at June 30th, 2023, there are 63 operative branches in Albania and 22 units in Kosovo. |
|
|
| (000' USD) |
9/30/2022 |
12/31/2021 |
| |
|
|
| Balance sheet |
|
|
| Total assets |
4,918,814 |
5,232,530 |
| Loans to customers |
1,226,823 |
1,310,598 |
| Investment securities |
2,517,037 |
2,558,622 |
| Customer deposits |
3,978,885 |
4,182,176 |
| Share capital |
300,000 |
300,000 |
| Total shareholder's equity |
523,472 |
555,967 |
| Income statement |
|
|
| Net profit |
87,161 |
93,093 |
| Net interest margin |
102,850 |
146,840 |
| Non - interest income, net |
87,086 |
41,094 |
| Operating expenses |
(59,223) |
(75,056) |
| Impairment of financial assets |
(30,012) |
(5,038) |
| Performance indicators |
|
|
| Capital adequacy ratio |
19.06% |
15.98% |
| Return on average assets (RoAA) |
2.34% |
1.16% |
| Return on equity (RoE) |
22.09% |
10.62% |
| Non-performing loans / Total loans (PAR90) |
2.20% |
2.39% |
| Human resources |
|
|
| Number of staff |
1,372 |
1,333 |
| Number of branches / agencies (*) |
85 |
85 |
| |
|
|
| Exchange Rate - USD/Lek |
118.85 |
106.54 |
| |
|
|
| (*) - As at September 30th, 2022, there are 63 operative branches in Albania and 22 units in Kosovo. |
|
|
| (000' USD) |
6/30/2022 |
12/31/2021 |
| Balance sheet |
|
|
| Total assets |
4,914,898 |
5,232,530 |
| Loans to customers |
1,273,880 |
1,310,598 |
| Investment securities |
2,462,868 |
2,558,622 |
| Customer deposits |
3,989,316 |
4,182,176 |
| Share capital |
300,000 |
300,000 |
| Total shareholder's equity |
500,497 |
555,967 |
| Income statement |
|
|
| Net profit |
63,042 |
93,093 |
| Net interest margin |
70,053 |
146,840 |
| Non - interest income, net |
50,267 |
41,094 |
| Operating expenses |
(38,463) |
(75,056) |
| Impairment of financial assets |
(9,355) |
(5,038) |
| Performance indicators |
|
|
| Capital adequacy ratio |
17.79% |
15.98% |
| Return on average assets (RoAA) |
2.54% |
1.16% |
| Return on equity (RoE) |
25.29% |
10.62% |
| Non-performing loans / Total loans (PAR90) |
2.19% |
2.39% |
| Human resources |
|
|
| Number of staff |
1,326 |
1,333 |
| Number of branches / agencies (*) |
85 |
85 |
| |
|
|
| Exchange Rate - USD/Lek |
114.22 |
106.54 |
| |
|
|
| (*) - As at June 30th, 2022, there are 63 operative branches in Albania and 22 units in Kosovo. |
|
|
| (000' USD) |
12/31/2021 |
12/31/2020 |
| |
|
|
| Balance sheet |
|
|
| Total assets |
5,232,530 |
4,951,548 |
| Loans to customers |
1,310,598 |
1,359,092 |
| Investment securities |
2,558,622 |
2,185,680 |
| Customer deposits |
4,182,176 |
3,982,476 |
| Share capital |
300,000 |
300,000 |
| Total shareholder's equity |
555,967 |
543,259 |
| Income statement |
|
|
| Net profit |
93,093 |
75,307 |
| Net interest margin |
146,840 |
133,661 |
| Non - interest income, net |
41,094 |
37,873 |
| Operating expenses |
(75,056) |
(64,122) |
| Impairment of financial assets |
(5,038) |
(18,938) |
| Performance indicators |
|
|
| Capital adequacy ratio |
15.98% |
15.75% |
| Return on average assets (RoAA) |
1.16% |
2.20% |
| Return on equity (RoE) |
10.62% |
20.14% |
| Non-performing loans / Total loans (PAR90) |
2.39% |
3.46% |
| Human resources |
|
|
| Number of staff |
1,333 |
1,320 |
| Number of branches / agencies (*) |
85 |
90 |
| |
|
|
| Exchange Rate - USD/Lek |
106.54 |
100.84 |
| |
|
|
| (*) - As at December 31st, 2021, there are 63 operative branches in Albania and 22 units in Kosovo. |
|
|
| |
30-09-21 |
31-12-20 |
| |
|
|
| Balance sheet |
|
|
| Total assets |
5,115,725 |
4,951,548 |
| Loans to customers |
1,314,717 |
1,359,092 |
| Investment securities |
2,405,944 |
2,185,680 |
| Customer deposits |
4,086,053 |
3,982,476 |
| Share capital |
300,000 |
300,000 |
| Total shareholder's equity |
553,561 |
543,259 |
| Income statement |
|
|
| Net profit |
74,897 |
75,307 |
| Net interest margin |
108,654 |
133,661 |
| Non - interest income, net |
34,700 |
37,873 |
| Operating expenses |
(55,267) |
(64,122) |
| Impairment of financial assets |
(2,132) |
(18,938) |
| Performance indicators |
|
|
| Capital adequacy ratio |
16.88% |
15.75% |
| Return on average assets (RoAA) |
1.50% |
2.20% |
| Return on equity (RoE) |
13.80% |
20.14% |
| Non-performing loans / Total loans (PAR90) |
3.26% |
3.46% |
| Human resources |
|
|
| Number of staff |
1,315 |
1,320 |
| Number of branches / agencies (*) |
85 |
90 |
| |
|
|
| Exchange Rate - USD/Lek |
104.79 |
100.84 |
| |
|
|
| (*) - As at September 30th, 2021, there are 63 operative branches in Albania and 22 units in Kosovo. |
|
|
