Financial Indicatior

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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) 12/31/2023 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.