Financial Indicatior

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) 12/31/2021 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.