ProCredit Bank Albania

What ProCredit Bank Albania does

ProCredit Bank Albania is a Tirana-based, privately held joint-stock bank (ProCredit Bank sh.a.) and a wholly owned subsidiary of Frankfurt-listed ProCredit Holding AG - the German-led ProCredit group's Albanian franchise, with operations in Albania since 1991 and approximately 251-500 employees. The bank operates as a digitally enabled, SME-focused commercial bank, serving small and medium enterprises and individual consumers across Albania through a multi-city branch network (Tirana, Durrës, Elbasan, Shkodër, Fier, Korçë, Vlorë), self-service 24/7 zones, and digital channels including a biometric-enabled mobile app, e-banking platform, and 100% online account opening portal. The technology backbone is operated externally by QUIPU GmbH in Germany (with supplemental data processing via ProCredit Bank Kosovo), which lowers in-house IT build costs and provides integration with Apple Pay, Google Pay, and SWIFT tracker tools.

The product set spans current and savings accounts, multi-tier consumer packages (Full, Basic, Student, Social, ProKid, Minimum), term deposits (including a 25-month EUR deposit at 2.5% and an Extra Interest Deposit with bonus-interest mechanics), consumer and home loans, overdrafts, credit cards, and a deep SME lending suite covering working capital, fixed asset financing, trade finance (letters of credit, bank guarantees), agribusiness, photovoltaic and electric vehicle loans, and collateral-free small business loans. Specialized green and SME lending are supported by EBRD facilities including a EUR 10 million WB GOLD green loan (October 2025) and a EUR 25 million credit guarantee for underserved SME segments (July 2026). Distribution is augmented by co-marketing partnerships with construction developers (TiranaKons, Fundway, Arkon, Capital B, Riviera, Klensi, Usluga) and merchants (Copier Computer Center, Global Travel), plus a ProConnect business-client platform and a CO2 calculator tool.

Revenue is generated primarily through net interest income on the lending portfolio (home, consumer, investment, SME, agribusiness, green), supplemented by account maintenance fees (Full Package at ALL 700/EUR 5 monthly, Basic Package at ALL 100/EUR 1), transaction and transfer fees, card issuance and servicing, and deposit-spread economics. The bank additionally operates a business-advisor model across its branches for SME relationship management, and serves consumer clients through a digital-first onboarding and servicing experience.

Name

ProCredit Bank Albania

Legal name

ProCredit Bank sh.a.

Website

https://procreditbank.com.al

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

251–500 employees

Short description

ProCredit Bank Albania is a Tirana-based, SME-focused commercial bank and subsidiary of Germany's ProCredit Holding AG, offering retail and business banking products (accounts, deposits, loans, cards, payments) through a multi-city branch network and digital channels across Albania.

Ownership category

akta.pro rank

Product category

Commercial & Retail Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Commercial banking
• SME lending
• Green finance
• Deposit accounts
• Digital banking

Headquarters

HQ city

Tirana

HQ country

Albania

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: The primary revenue stream is interest income generated from the loan portfolio including home loans, consumer loans, SME loans, agribusiness loans, investment loans, overdrafts, credit cards, and green financing products. Loans are offered in both ALL and EUR currencies with fixed and variable rate structures.
2. Account and Transaction Fees: Monthly account maintenance fees (e.g., Full Package 700 ALL/5 EUR, Basic Package 100 ALL/1 EUR), transaction fees for domestic and international transfers, and cash withdrawal fees at ATMs.
3. Deposit Interest Spread: The bank accepts deposits (current accounts, savings, term deposits including 25-month deposits and Extra Interest Deposit) and uses the spread between deposit rates paid and lending rates charged as a revenue source.
4. Card and Digital Banking Services: Revenue from debit and credit card issuance and maintenance, mobile and e-banking services, and overdraft facilities.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

ProCredit Bank Albania is a commercial bank that provides a full suite of banking services to small and medium-sized enterprises (SMEs) and private individuals in Albania. Its core offerings span deposit products (current, savings, term deposit accounts), lending products (business, green, agricultural, mortgage, and consumer loans), payment services (credit cards, ProPay, bank guarantees, letters of credit, bill payments, Western Union money transfers), and digital channels (online and mobile banking). The bank differentiates itself through a responsible lending approach, a dedicated green finance strategy, and inclusion-oriented service for underserved SME and agricultural clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Current Accounts
• Savings Accounts
• Term Deposits
• Business Loans
• Green Loans
• Agricultural Loans
• Mortgage Loans
• Consumer Loans
• Credit Cards
• Online Banking
• Mobile Banking
• ProPay
• Bank Guarantees
• Letters of Credit
• Western Union Money Transfers
• Bill Payments

Quantifiable outcome

• €10 million green loan from EBRD to support Albanian SMEs and green transition, first WB GOLD transaction in Albania.
• +3 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• TiranaKons 2020coreStrategic or Co-development PartnerProCredit Bank offers collateral-free home financing of up to 80% of property value for the +Forest Residence residential complex developed by TiranaKons 2020. Located along the Eastern Ring Road near Farka Lake with approximately 300 modern apartments under construction. Approval within 5 days.
• Fundway PropertiescoreStrategic or Co-development PartnerProCredit Bank, in cooperation with Fundway Properties, offers financing of up to 80% of property value for the purchase of real estate in the Vlora Marina project on Albania's coastline. Available to Albanian clients, emigrants, and non-residents. Approval within 4 days.
• Arkon StudiominorStrategic or Co-development PartnerHome loan partnership with Arkon Studio construction company offering preferential interest rates: 1.9% fixed for first three years for salary earners, then 12M T-Bill + 3.5% in ALL or 12M Euribor + 3.5% in EUR.
• Capital BminorStrategic or Co-development PartnerConstruction company partner for home loan financing schemes with preferential rates available to ProCredit Bank clients.
• Company RivieraminorStrategic or Co-development PartnerConstruction company partner for home loan financing schemes with preferential rates available to ProCredit Bank clients.
• KlensiminorStrategic or Co-development PartnerConstruction company partner for home loan financing schemes with preferential rates available to ProCredit Bank clients.
• UslugaminorStrategic or Co-development PartnerConstruction company partner for home loan financing schemes with preferential rates available to ProCredit Bank clients.
• Copier Computer CenterminorStrategic or Co-development PartnerPartnership with Copier Computer Center for consumer loans on electronic devices. Offers 0% interest for first 6 months on purchases from 50,000 ALL to 500,000 ALL with term up to 6 months. Maximum loan term is 36 months.
• Global TravelminorStrategic or Co-development PartnerPartnership with Global Travel travel agency for vacation loans. Offers financing up to 2,000,000 ALL with fixed 9% interest rate for salary earners, fixed 10% for non-salaried, term from 1 to 5 years, and 2% disbursement fee.
• QUIPU GmbH (Germany)coreTechnology or IntegrationQUIPU GmbH in Germany provides IT systems and data processing infrastructure for ProCredit Bank Albania. Germany is classified as a country with adequate level of protection for personal data. The company supports real-time service delivery for Albanian clients.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Credins Bank: Albanian private commercial bank serving retail and SME segments. Direct domestic competitor with overlapping product set including SME loans and consumer banking.
• ProCredit Bank Serbia: ProCredit group entity in Serbia applying the same SME + green finance + development banking model. Comparable in business model, customer segments, and digital banking capabilities within SEE region.
• Intesa Sanpaolo Bank Albania: Italian-owned bank providing retail and business banking in Albania with international group backing. Comparable foreign-bank model serving Albanian SMEs and individuals.
• Tirana Bank: Albanian commercial bank offering retail and SME banking. Local competitor with overlapping product set in deposit-taking and SME lending within the same Tirana-centric market.
• Banka Kombëtare Tregtare (BKT): Largest Albanian commercial bank by assets, majority-owned by Çalık Holding. Competes directly with ProCredit in SME lending, retail deposits, and digital banking; sets market pricing benchmarks.
• ProCredit Bank North Macedonia: ProCredit group entity in North Macedonia with identical SME focus, development orientation, and digital product suite. Direct sister-bank peer for benchmarking.
• ProCredit Bank Kosovo: Sister entity within the ProCredit Holding group providing identical SME-focused, green-finance banking in neighboring Kosovo. Shares IT infrastructure (QUIPU) and product platform; serves as a real-time data processing partner for Albania.
• Raiffeisen Bank Albania: Austrian-owned universal bank in Albania serving retail and SME clients with similar product breadth (accounts, loans, cards, digital banking). Closest direct peer by foreign-bank ownership model and SME focus in the Albanian market.
• OTP Bank Albania: Hungarian-owned full-service bank offering retail, SME, and corporate banking in Albania. Direct competitor with similar multi-city branch presence and digital banking investments.

Others

• EBRD: European Bank for Reconstruction and Development is a key financial partner and shareholder of ProCredit Holding, providing the €10M WB GOLD green loan and €25M credit guarantee to the Albanian subsidiary. Relevant ecosystem counterparty rather than direct competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/ProCreditBankAlbania?app=desktop
• Facebookfacebook.com/ProCreditBankAlbania
• LinkedInlinkedin.com/company/procreditbank-albania
• Instagraminstagram.com/procreditbankalbania

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ProCredit Bank Albania