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Folie 1 / 08.04.2011 NWBU
History
The Bank has taken the name from Friedrich Wilhelm Raiffeisen
(1818 – 1888). He was a Social Reformer
The personal Moto was:
“Do not wait any longer – help yourself out”
“In group we are stronger”
On 1864 it has founded the Loans financing Banking Associaion
RZB is founded on 1927 as Genossenschaftliche Zentralbank (GZB) and on
1989 took the name Raiffeisen Zentral bank ZB
During all these years of activity, RZB has an organic growth for over 140 vjet
without facing any failure.
Folie 2 / 08.04.2011 NWBU
Raiffeisen Zentralbank Österreich AG
Folie 3 / 08.04.2011 NWBU
Raiffeisen International - The presence
Folie 4 / 08.04.2011 NWBU
Raiffeisen Bank of Albania
The vision of our Bank
Improve Albania by raising banking standards and making a
difference to our customers’ lives through the provision of the best
products and high quality customer service
The mission of our Bank
We seek long-term customer relationships. As a member of the
RZB Group, we cooperate closely with Raiffeisen Zentralbank and
the other members of the Austrian Raiffeisen Banking Group. We
achieve sustainable and above-average return on equity. We
empower our employees to be entrepreneurial, to show initiative
and we foster their development.
Folie 5 / 08.04.2011 NWBU
Raiffeisen Bank of Albania
What have we achieved and overall growth
Total assets: EUR 2 mln
Net Profit EUR 40 mln
RoE 34%
Total loans: EUR 653 mln
Corporate Loans reached EUR 342 mln
Total deposits: EUR 1,66 bln
Number of Employees 1,300
Number of Branches 102
ATM 181
POS 1030
Folie 6 / 08.04.2011 NWBU
Raiffeisen Bank of Albania, Sept. 2006
Main departments of the bank supporting the business
Corporate Customers
Companies with turnover EUR 5Mio and over
SE (Small Enterprises)
Companies with turnover from EUR 1Mio to EUR 5Mio
Mircro
Companies with turnover less then EUR 1Mio
PI (private individuals)
Consumer loan department
Mortgage department
Products development department
VIP
Treasury department for all FX and investment banking
Folie 7 / 08.04.2011 NWBU
Raiffeisen Bank of Albania, Sept. 2006
Banking products
Project Finance
Medium Term Loans;
Working Capital;
Multi Purpose Lines – ODs, B/G and L/Cs
Multicurrency financing lines
Financing limit: EUR 28,5 mln from RBAL, un-limited with RZB
Consolidated Payment Collection
Cash pick up
FOREX
Subcontractors’ Financing – SEs
M-Cash + combined with all Utility and Tax Payments
Salary Payment – Private Sector
PI – loans (Mortgage + Vehicle + Consumables)
Leasing
Pension fund
Folie 8 / 08.04.2011 NWBU
Raiffeisen Bank of Albania, Sept. 2006
We base our success:
By tailoring the products at customer’s need
Folie 9 / 08.04.2011 NWBU
Raiffeisen Leasing Albania
Raiffeisen Leasing Sh.a was established in April 2006 with shareholders Raiffeisen Bank Sh.a
holding 75% of its shares and Raiffeisen Leasing International GmbH having the remaining 25% of
the shares.
During these four years of activity, leasing faced a considerable growth by occupying 50% of the
market and is the absolute Leader in this segment as well and beating two competitors Tirana
Leasing (since 2004) and Landeslease (since end 2006)
In the strategy, but as well in the real activity of Raiffeisen Leasing Sh.a, are included lease
financing for products , starting from personal cars, light commercial vehicles, trucks and heavy
machinery and equipment for construction industry to different technological lines. All these leasing
products are offered to business segments such as Corporate and SME, whilst private individuals
mainly use personal cars.
The mission of Raiffeisen Leasing is to become a leader in the leasing market in Albania by
offering a full range of leasing products, fully satisfying the customers needs and contributing in
development of the Albanian economy through financing of new and contemporary technology,
machinery and equipment.
Amongst the most important achievements has been the establishment of strategic partner
relationships with local and international dealers and vendors. During the year 2007, Raiffeisen
Leasing Sh.a. has undertaken an intensive marketing campaign, mainly coordinated with policies
and marketing activities of local car dealers as the prior business partners.
Folie 10 / 08.04.2011 NWBU
Pension Fund in Albania
The voluntary private pension fund companies:
In Albania, the first private pension funds were licensed in 2005. The government of Albania is the one of the
last governments in Eastern Europe to license private pension fund companies and to provide incentives for
this type of a financial service institution.
Through this pension scheme, an individual can contribute voluntarily a certain amount of ALL in order to
obtain at retirement a lump sum or annuity payments.
Each individual has its own account and this account is inheritable or transferable.
Raiffeisen Pensions enables any one to supplement the mandatory state pension with a voluntary one.
Any one can participate in the scheme by contributing periodically and on voluntary basis a desired amount
of money.
At the time of retirement, the pensioner can obtain his savings and interest earned from their investment in
the pensions fund in the form of a lump sum or annuity.
Each contributor will have an individual account at Raiffeisen Pensions which will reflect the amount of
contributions plus the interest earned.
Each individual can name a beneficiary or a special person designated to inherit his/her account.
Folie 11 / 08.04.2011 NWBU
AWARDS
Finance Central Europe
The Best Bank in Albania in 2004, 2005, 2006
The Best Bank in Albania - By Gross Profit in 2004, 2005, 2006, 2007
The Best Bank in Albania - By Assets Strength in 2004, 2005, 2006, 2007
The Best Bank in Albania - By Capital Strength in 2004, 2005, 2006, 2007
The Best Bank in Albania - By ROE in 2004, 2006, 2007
Best bank in South East Europe – By ROE in 2006, 2007
Global Finance
Best Bank Award in 2005, 2006, 2007, 2008
Euromoney
Best Bank in Albania in 2005, 2006, 2007
The Banker & Trade Finance
Bank of the Year in 2004, 2005, 2007
Folie 12 / 08.04.2011 NWBU
