Raporti Mujor Krahasues i Sektorit deri m 28 shkurt 2017

Krahasimi i matriksave: AfK FINCA KosInvest KEP Trust KGMAMF KRK QELIM START Meshtekna Perspektiva 4

Gjithsejt portfolio i kredive (Aktive) 18,230,271 25,175,464 2,213,138 26,915,773 5,560,543 21,692,196 490,312 2,545,680 215,818 155,274

Gjithsejt nr. i kredive (Aktive) 12,738 15,662 1,698 13,209 3,740 10,505 429 2,296 192 154

Gjithsejt nr. i huamarrsve (Aktive) 12,179 14,852 1,698 13,098 3,769 10,426 429 2,296 192 154

R14: Mesatarja e madhsis s kredive 1,431 1,607 1,303 2,038 1,487 2,065 1,143 1,109 1,124 1,008
(Aktive)

Vlera e kredive t shprndara 2,199,230 2,075,670 203,600 2,093,839 502,600 2,580,350 21,350 151,017 17,370 19,150

Nr. i kredive t shprndara 1,376 1,071 112 952 232 1,017 17 90 14 14

1,598 1,938 1,818 2,199 2,166 2,537 1,256 1,678 1,241 1,368
R15: Mesatarja e kredive t shprndara

Risku kreditor: Standard 1-30 dit 95,915 608,200 47,447 298,145 1,620,984 301,098 1,835 351,296 - -

R8: Risku kreditor (PAR) treguesit 1 - 30 0.5% 2.4% 2.1% 1.1% 29.2% 1.4% 0.4% 13.8% 0.0% 0.0%
dit
Risku kreditor 30-60 dit 13,981 197,938 20,904 82,850 269,446 46,240 1,729 140,459 14,401 -

Risku kreditor 60-90 dit 19,887 132,165 8,011 62,939 110,134 6,552 4,919 67,119 6,219 1,595

Risku kreditor 90-180 dit 14,616 206,236 21,776 122,061 174,880 57,968 20,589 64,138 19,361 2,905

Risku kreditor +180 dit 31,288 128,707 - 169,149 318,934 1,355 140,687 48,281 20,714 8,000

Risku kreditor (PAR)>30 79,771 665,045 50,691 436,998 873,394 112,115 167,924 319,997 60,695 12,500

R8: Ekspozimi kreditor (PAR) treguesit > 0.44% 2.64% 2.29% 1.62% 15.71% 0.52% 34.25% 12.57% 28.12% 8.05%
30 dit
Vrejtje: Klasifikimi i ekspozimit kreditor (PAR) sipas rregulls IX t BQK-s

Provizioni Standard 159,219 219,547 317 277,791 439,504 469,263 167 738 14,204 -

Provizioni Vzhgues 490 28,959 4,745 12,432 25,734 4,776 (765) 7,402 - -

Provizioni nn-standard min 20% 3,977 27,867 4,181 17,263 22,916 3,932 216 13,424 - -
Provizioni i dyshimt min 50% 7,543 103,118 6,226 61,119 87,440 30,136 (4,034) 32,069 - -

Provizioni humbs min 100% 31,288 128,707 - 422,619 318,934 1,355 2,563 48,281 - -

Vrejtje: Pajtueshmria rezerv sipas rregulls IX

- 19,333 1,852 - - - - 151,642 - -

Vlera e kredive t shlyera
R9: Treguesit e shlyerjes 0.0% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 6.0% 0.0% 0.0%

Totali i Aseteve 20,297,760 26,793,468 2,292,431 28,887,830 7,966,506 23,006,497 348,625 2,879,549 259,670 144,879

Totali i kapitalit 4,655,893 5,272,792 209,286 13,431,243 6,859,202 5,456,109 328,776 615,557 161,226 144,041

Totali i detyrimeve 15,641,866 21,520,677 2,083,145 15,456,587 1,107,304 17,550,388 19,850 2,263,992 98,444 838

R6: Raporti (racio) i Borxhit ndaj 3.4 4.1 10.0 1.2 0.2 3.2 0.1 3.7 0.6 0.0
Ekuitetit
R7: Raporti (racio) i Ekuitetit ndaj 23% 20% 9% 46% 86% 24% 94% 21% 62% 99%
Aseteve (%)

Gjithsejt nr.i degve 18 22 3 31 4 20 1 1 1 1

Gjithsejt nr.i t punsuarve 177 190 37 216 24 167 8 19 5 3

R13: Huamarrsit pr antar t 69 78 46 61 157 62 54 121 38 51

personelit
Gjithsejt nr. i Zyrtarve Kreditor 96 95 10 79 12 87 3 5 3 2

R12: Huamarrsit pr Zyrtar kreditor 127 156 170 166 314 120 143 459 64 77
Total
103,194,467

60,623

59,093

1,702

9,864,176

4,895

2,015

3,324,920

3.2%

787,948

419,540

704,529

867,115

2,779,131

2.69%

1,580,750

83,774

93,776
 323,617

953,747

172,826

0.2%

112,877,214

37,134,124

75,743,090

2.0

33%

102

846

70

392

151
 Monthly Sector Comparison Report as of 28 February, 2017

Metrics Compared: AfK FINCA KosInvest KEP Trust KGMAMF KRK QELIM START Meshtekna Perspektiva 4 Total
Total Amount of Loans (Outstanding) 18,230,271 25,175,464 2,213,138 26,915,773 5,560,543 21,692,196 490,312 2,545,680 215,818 155,274 103,194,467
Total nr. of loans (Outstanding) 12,738 15,662 1,698 13,209 3,740 10,505 429 2,296 192 154 60,623
Total no of borrowers (Outstanding) 12,179 14,852 1,698 13,098 3,769 10,426 429 2,296 192 154 59,093
R14: Average Loan Size (Outstanding) 1,431 1,607 1,303 2,038 1,487 2,065 1,143 1,109 1,124 1,008 1,702

Value of Loans Disbursed 2,199,230 2,075,670 203,600 2,093,839 502,600 2,580,350 21,350 151,017 17,370 19,150 9,864,176
Number of Loans disbursed 1,376 1,071 112 952 232 1,017 17 90 14 14 4,895
R15: Average Loan Disbursed 1,598 1,938 1,818 2,199 2,166 2,537 1,256 1,678 1,241 1,368 2,015

Credit Risk: Standard 1-30 days 95,915 608,200 47,447 298,145 1,620,984 301,098 1,835 351,296 3,324,920
R8: Credit Risk Standard (PAR) ratio 1-30
days 0.5% 2.4% 2.1% 1.1% 29.2% 1.4% 0.4% 13.8% 0.0% 0.0% 3.2%

Credit Risk 30-60 days 13,981 197,938 20,904 82,850 269,446 46,240 1,729 140,459 14,401 0 787,948
Credit Risk 60-90 days 19,887 132,165 8,011 62,939 110,134 6,552 4,919 67,119 6,219 1,595 419,540
Credit Risk 90-180 days 14,616 206,236 21,776 122,061 174,880 57,968 20,589 64,138 19,361 2,905 704,529
Credit Risk +180 days 31,288 128,707 0 169,149 318,934 1,355 140,687 48,281 20,714 8,000 867,115
Credit Risk (PAR)>30 79,771 665,045 50,691 436,998 873,394 112,115 167,924 319,997 60,695 12,500 2,779,131
R8: Credit Exposure (PAR) ratio > 30 days
0.44% 2.64% 2.29% 1.62% 15.71% 0.52% 34.25% 12.57% 28.12% 8.05% 2.69%

Note: Clasification of Credit Exposure (PAR) as per CBK Rule IX

Provisions Standard 159,219 219,547 317 277,791 439,504 469,263 167 738 14,204 1,580,750
Provisions Watch 490 28,959 4,745 12,432 25,734 4,776 -765 7,402 83,774
Provisions Sub-standard min 20% 3,977 27,867 4,181 17,263 22,916 3,932 216 13,424 93,776
Provisions Doubtful min 50% 7,543 103,118 6,226 61,119 87,440 30,136 -4,034 32,069 323,617
Provisions Loss min 100% 31,288 128,707 0 422,619 318,934 1,355 2,563 48,281 953,747
Note: Reserve Compliance as per Rule IX

Value of loans written off 0 19,333 1,852 0 0 0 151,642 0 172,826

R9: Write-off ratio 0.0% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 6.0% 0.0% 0.0% 0.2%

Total Assets 20,297,760 26,793,468 2,292,431 28,887,830 7,966,506 23,006,497 348,625 2,879,549 259,670 144,879 112,877,214
Total Equity 4,655,893 5,272,792 209,286 13,431,243 6,859,202 5,456,109 328,776 615,557 161,226 144,041 37,134,124
Total Liabilities 15,641,866 21,520,677 2,083,145 15,456,587 1,107,304 17,550,388 19,850 2,263,992 98,444 838 75,743,090
R6: Debt to equity ratio (times) 3.4 4.1 10.0 1.2 0.2 3.2 0.1 3.7 0.6 0.0 2.0
R7: Equity to assets ratio (%) 22.9% 19.7% 9.1% 46.5% 86.1% 23.7% 94.3% 21.4% 62.1% 99.4% 32.9%

Total no of Branches 18 22 3 31 4 20 1 1 1 1 102

Total no of Employee 177 190 37 216 24 167 8 19 5 3 846

R13: Borrowers per staff member 69 78 46 61 157 62 54 121 38 51 70
Total no of Loan officers 96 95 10 79 12 87 3 5 3 2 392
R12: Borrowers per Loan officer 127 156 170 166 314 120 143 459 64 77 151