Page 92 - BKT Annual Report 2024 EN

Notes to the Consolidated Financial Statements for the year ended 31 December 2024 Notes to the Consolidated Financial Statements for the year ended 31 December 2024
(amounts in USD, unless otherwise stated) (amounts in USD, unless otherwise stated)

iii. Credit quality analysis iii. Credit quality analysis

The following table sets out information about the credit quality of loan to customers in 2024 by asset quality at amortised cost. Unless The following table sets out information about the credit quality of loan to customers in 2023 by asset quality at amortised cost. Unless
specifically indicated, for financial assets, the amounts in the table represent gross carrying amounts. specifically indicated, for financial assets, the amounts in the table represent gross carrying amounts.

LOANS TO CUSTOMERS BY ASSET QUALITY AT AMORTISED COST LOANS TO CUSTOMERS BY ASSET QUALITY AT AMORTISED COST
Stage 1 Stage 2 Stage 1 Stage 2
31 31
December Non Past Total Non Past Total December Total Total
2024 Due Past due Total Allowance Carrying Due Past due Total Allowance Carrying 2023 Non Past Past due Total Allowance Carrying Non Past Past due Total Allowance Carrying
Amount Amount Due Amount Due Amount
Retail lending 902,473,493 34,248,259 936,721,752 2,964,598 933,757,154 4,946,730 10,772,829 15,719,559 1,248,530 14,471,029 Retail
lending 754,334,034 38,393,036 792,727,070 3,696,582 789,030,488 3,311,762 13,040,971 16,352,733 1,034,141 15,318,592
Mortgage 538,518,985 23,641,867 562,160,852 1,709,326 560,451,526 3,691,642 7,569,384 11,261,026 930,318 10,330,708
Mortgage 464,392,963 27,351,980 491,744,943 1,688,399 490,056,544 2,703,764 9,372,186 12,075,950 797,604 11,278,346
Consumer 348,105,811 10,068,592 358,174,403 1,088,830 357,085,573 910,924 2,787,459 3,698,383 273,774 3,424,609
Consumer 276,563,243 9,871,770 286,435,013 1,826,399 284,608,614 607,851 3,459,622 4,067,473 212,032 3,855,441
Credit cards 15,848,697 537,800 16,386,497 166,442 16,220,055 344,164 415,986 760,150 44,438 715,712
Credit cards 13,377,828 1,169,286 14,547,114 181,784 14,365,330 147 209,163 209,310 24,505 184,805
Corporate Corporate
lending 855,907,079 21,719,960 877,627,039 11,232,977 866,394,062 69,397,634 9,948,930 79,346,564 10,379,165 68,967,399 lending 744,893,042 28,040,571 772,933,613 14,204,105 758,729,508 60,500,087 55,019,638 115,519,725 16,623,583 98,896,142
Corporate 660,481,543 9,552,206 670,033,749 8,553,773 661,479,976 63,767,383 7,383,217 71,150,600 9,886,366 61,264,234 Corporate 607,756,503 17,550,117 625,306,620 11,777,606 613,529,014 55,381,044 49,070,154 104,451,198 15,887,929 88,563,269
SME 134,944,664 6,311,022 141,255,686 1,736,609 139,519,077 4,331,506 1,274,770 5,606,276 321,166 5,285,110 SME 92,609,388 6,752,698 99,362,086 1,562,507 97,799,579 2,935,517 4,576,828 7,512,345 456,875 7,055,470
Micro 60,480,872 5,856,732 66,337,604 942,595 65,395,009 1,298,745 1,290,943 2,589,688 171,633 2,418,055 Micro 44,527,151 3,737,756 48,264,907 863,992 47,400,915 2,183,526 1,372,656 3,556,182 278,779 3,277,403
Total 1,758,380,572 55,968,219 1,814,348,791 14,197,575 1,800,151,216 74,344,364 20,721,759 95,066,123 11,627,695 83,438,428 Total 1,499,227,076 66,433,607 1,565,660,683 17,900,687 1,547,759,996 63,811,849 68,060,609 131,872,458 17,657,724 114,214,734
Off balance Off balance - - - 106,727
sheet - - - 81,277 sheet
Retail Credit
Retail Credit - - - 41,781 cards - - - 78,557
cards
Business
Business - - - 39,496 Credit cards - - - 28,170
Credit cards

Stage 3
Stage 3 31 December
Total net
Value of
31 December 2023 Non Past Due Past due Total Allowance Total Carrying amount at discounted
2024 Total Carrying Total net Value of Amount
Non Past Due Past due Total Allowance amount at discounted amortised cost collateral
Amount
amortised cost collateral
Retail lending 2,428,219 8,470,714 10,898,933 4,673,637 6,225,296 810,574,376 929,497,041
Retail lending 3,574,079 8,224,244 11,798,323 4,410,910 7,387,413 955,615,596 1,024,840,591
Mortgage 1,963,548 3,344,313 5,307,861 1,190,394 4,117,467 505,452,357 667,747,428
Mortgage 2,629,367 2,902,099 5,531,466 1,296,322 4,235,144 575,017,378 730,270,399
Consumer 409,962 4,167,564 4,577,526 2,862,290 1,715,236 290,179,291 261,749,613
Consumer 932,396 3,931,010 4,863,406 2,305,022 2,558,384 363,068,566 294,570,192 Credit cards 54,709 958,837 1,013,546 620,953 392,593 14,942,728 -
Corporate
Credit cards 12,316 1,391,135 1,403,451 809,566 593,885 17,529,652 - lending 17,324,449 22,850,212 40,174,661 14,238,976 25,935,685 883,561,335 1,903,643,532

Corporate Corporate 14,271,469 13,611,077 27,882,546 9,224,064 18,658,482 720,750,765 1,438,085,636
lending 10,405,581 28,189,841 38,595,422 20,444,720 18,150,702 953,512,163 2,269,829,730
SME 2,208,569 3,120,170 5,328,739 1,989,682 3,339,057 108,194,106 311,709,967
Corporate 3,630,270 19,885,532 23,515,802 14,558,884 8,956,918 731,701,128 1,648,854,459
Micro 844,411 6,118,965 6,963,376 3,025,230 3,938,146 54,616,464 153,847,929
SME 4,775,772 4,633,100 9,408,872 3,456,253 5,952,619 150,756,806 425,462,789 Total 19,752,668 31,320,926 51,073,594 18,912,613 32,160,981 1,694,135,711 2,833,140,573

Micro 1,999,539 3,671,209 5,670,748 2,429,583 3,241,165 71,054,229 195,512,482
Past due related to each stage is referred as follows:
Stage 1: Past due 1-30 DPD, otherwise Non Past Due, Stage 2: Past due 31-90 DPD, otherwise Non Past Due, Stage 3: Past due over 90 DPD,
Total 13,979,660 36,414,085 50,393,745 24,855,630 25,538,115 1,909,127,759 3,294,670,321 otherwise Non Past Due.

Past due related to each stage is referred as follows:
Stage 1: Past due 1-30 DPD, otherwise Non Past Due, Stage 2: Past due 31-90 DPD, otherwise Non Past Due, Stage 3: Past due over 90 DPD,
otherwise Non Past Due.

37 BANKA KOMBËTARE TREGTARE