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BPB is a licensed local commercial bank operating in Kosovo since 2001. Since the bank’s establishment, we have been in continuous growth and expansion of customer support. It is the flexibility, proximity to and care for customers that distinguish BPB.

We offer a wide range of products and services, specially designed to support the diverse needs of individuals, small and medium enterprises, and corporations. Our strategic goal is to support the development of Kosovo’s economy and businesses. Therefore, our focus is to create sound and long-term relations with the customers, based on mutual trust.

Besides helping our general economic development, the growth and expansion of small and medium enterprises also enables BPB, as their strategic partner, to create opportunities for promotion and long-term stability of the local capital. By providing quality services, simple to use, and affordable to individuals, BPB supports families, employees and students in carrying out their plans and fulfilling their needs.

Visit us at one of our 26 branches throughout Kosovo to learn more about our Bank services and benefit from products designed to enable mutual development.

Privacy policy

Banka për Biznes J.S.C. is not responsible for, and expressly disclaims all and any kind of liability for damages of any kind arising out of use, reference to and/or reliance on any information contained within this webpage. While the information contained within this web page is periodically updated, no guarantee is given that the information in this webpage is correct, complete and/or up-to-date. In addition to this, although this webpage may include links providing direct access to other internet resources, Banka për Biznes J.S.C. is not liable for any inaccurate, out of date, defamatory, offensive, or illegal content on such sources.

Banka për Biznes J.S.C. is the owner and retains copyright in all content found on this webpage, including all text, graphics and images, unless otherwise noted. The content of this webpage may not be copied, distributed, modified, re-used and/or republished without the express prior written authorization of Banka për Biznes J.S.C.

Mission and Vision

Bank mission

BPB seeks credible and long-term cooperation with SMEs to support their growth and development through specifically designed, responsive and innovative products and services.

Bank vision

To be a stable bank for our stakeholders, a credible institution for our staff and a leader in providing financial products and services to small and medium enterprises in Kosovo.

  • Name and Lastname: Ansis Grasmanis
    Position: Chairman of the Board of Directors

    Ansis Grasmanis is member of the Board of Directors since October 2017. He was elected as the Chairman of the Board on July 2020. Mr. Grasmanis has over 15 years of experience in leadership positions. In particular, he was the Chief Financial Officer and Chief Risk Officer of “Swedbank Latvia”, Head of Treasury and Capital markets of “SEB Latvia”. For several years he worked as an auditor at the European Bank for Reconstruction and Development (London), as well as in the London office of PricewaterhouseCoopers.  Currently, he is an idependent director at the Board of Directors of JSC “First Ukrainian International Bank”, Ukraine.

    Mr. Grasmanis holds a Master degree in Mathematics from the University of Latvia. He is a fellow member of the Association of Chartered Certified Accountants – ACCA (UK), and holds Advanced Diploma in Treasury Management for Association of Corporate Treasures, UK.

  • Name and Lastname: Nagip Krasniqi
    Position: Deputy Chairman of the Board of Directors

    Nagip Krasniqi has been appointed Deputy Chairman of the Board of Directors of the Bank for Business in Kosovo, since July 2020. Mr. Krasniqi has an extensive managerial and professional experience. He started his career as an independent accountant for several years, to continue in various senior management positions in the Kosovo Pension Savings Trust, Kosovo Railways, Kosovo Energy Corporation, etc. From 2009 to 2018 he held the position of Head of Finance at TEB Bank to continue further as an independent financial consultant, entrepreneur and a FinTech enthusiast.

    Mr. Krasniqi graduated from the Faculty of Economics at the University of Prishtina, further studied at City College – Thessaloniki, an International Faculty of The University of Sheffield and holds the title of Certified Accountant by Society of Certified Accountants and Auditors of Kosovo (SCAAK).

  • Name and Lastname: Violeta Arifi-Krasniqi
    Position: Member of the Board of Directors

    Mrs. Violeta Arifi-Krasniqi was appointed as an independent Board Member effective from July 2020 for a two-year term. Mrs. Arifi-Krasniqi brings a wealth of experience in policy making across business functions gained through the work on technical to executive levels, over 15 years of experience acquired in diverse roles and sectors ranging from private to public and non for profit. Her roles involved either setting up operations or advancing the organization to reach value delivery and sustainability. Previously, Mrs. Arifi-Krasniqi, led the establishment of the deposit insurance system, one of the pillars of Kosovo’s financial safety net. As a Managing Director, the position she held for nearly eight years, she set the strategic direction of the organization to reach compliance with international standards and ensured successful fulfillment of a number of initiatives, such as: 1. Implementation of two projects with KFW and one with the World Bank, 2. Negotiation of two borrowing facilities with EBRD, 3. Revised premium rates with banking sector support; 4. Established a 7-day compensation process supported by an information system and comprehensive rules and procedures.

    Mrs. Arifi-Krasniqi, between Oct 2016 to April 2019 served as member of the IADI Executive Council, a policy making body based in Basel, Switzerland. Among other responsibilities, she supported training and technical assistance initiatives, firstly as a member’s and then in the leadership role, as a Vice-Chairperson and Acting Chairperson. Mrs. Arifi-Krasniqi holds an MBA degree with Merit from the University of Greenwich, in London. After post-graduate studies, she worked at Mercer UK consulting.

  • Name and Lastname: Teuta Rexhbeqaj
    Position: Member of the Board of Directors

    Ms. Teuta Rexhbeqaj has been appointed as an independent Board of Directors member since July 2020. Ms. Rexhbeqaj professional experience started in audit firm Deloitte Kosova Sh.p.k. since 2005 where she reached senior auditor position. She worked for audit and advisory engagements for different range of local and international companies including banks, insurance companies, microfinance institutions, government entities, public sector, NGOs and other private sector entities in Kosova market.  She continued further her carrier path mostly in banking sector for almost eight years and in insurance sector for two years.

    Since 2010 she held the position of Head of Finance department in ProCredit Bank SH.A., being responsible to manage different lines of reporting and maintain professional relationship as to local regulatory bodies as well to the Procredit Group. Ms. Rexhbeqaj joined the startup local insurance company Scardian JSC in a position of Finance Director where she has been involved in all phases of developing the insurance industry software and ensuring that all accounting standards, regulatory and tax requirements have been properly implemented for each insurance products. She was a Chief Financial Officer in foreign branch of the bank Turkiye IS Bankasi A.S. leading departments such as finance, treasury, back office and IT until yearend 2019, to continue further as an independent consultant. Ms. Rexhbeqaj holds a Master degree in Economic Sciences in the field of Financial Management at University of Osijek, Republic of Croatia.

  • Name and Lastname: Visar Bytyqi
    Position: Member of the Board of Directors

    Visar Bytyqi has been appointed as a Member of the Board of Directors and Chairman of the Audit Committee of BPB bank on August 2018.

    Mr. Bytyqi has worked in senior management positions for more than 10 years in Deloitte and Grant Thornton. He has considerable financial and audit experience and has provided services to government entities, public listed corporations, multinational companies and many private sector entities in Kosovo.

    Mr. Bytyqi currently is a lecturer in on of country’s Professional Accountancy Organization and a member of the board of directors in one of the Kosovo’s largest corporations. His prior experience, amongst others, also includes a member of the Kosovo Council for Financial Reporting, member of the board of directors and chairman of the audit committee of the Kosovo’s first insurance company.

    Mr. Bytyqi is a fellow member of the Association of Chartered Certified Accountants – ACCA (UK) and a Certified Accountant and Auditor in Kosovo. He holds a bachelor’s degree in Management and Informatics from University of Pristina.

  • Name and Lastname: Kushtrim Krasniqi
    Position: External expert of the Audit Committee

    Kushtrim Krasniqi is an external member of the Audit Committee since Feb 2017. Mr. Krasniqi has 15 years of experience in the field of finance and accounting. Mr. Krasniqi has served in different companies and organizations such as ICCED – International Centre for Community and Enterprise Development, KEP Trust – the leading microfinance institution and Asseco SEE. Mr. Krasniqi has valuable experience with Raiffeisen Bank where he served as Corporate Credit Risk Analyst. Currently Mr. Krasniqi holds a position of Financial Analyst at USAID Mission in Kosovo.

    Mr. Krasniqi holds a bachelor degree in Bank Finance and Accounting from University of Prishtina and Master of Business Administration – MBA Finance form University of Akron, Unites states where he has studied as Fulbright scholar.

  • Name and Lastname: Arton Celina
    Position: Ex officio Member of the Board of Directors

    Arton Celina has been appointed Chief Executive Officer and member of the Board of Directors at BPB bank in Kosovo in May 2016. He started his career in the banking and microfinance institution – KEP in 1999, to continue in ProCredit Bank since 2002. Mr. Celina joined the team of TEB Bank JSC Kosovo in 2007, initially as a Regional Manager, to be later appointed Head of Sales and Marketing. Since 2013 Mr. Celina has held the position of the Deputy Managing Director in TEB Bank JSC in Kosovo, in the business segments. Mr. Celina has graduated from the Faculty of Economics at the Prishtina University. He graduated from his post-graduate studies in the field of management at UBT and in 2013, he received his PhD in the field of Business Administration by SMC University in Switzerland.

For additional information Organizational Structure

  • Name and Lastname: Arton Celina
    Position: Chief Executive Officer

    Arton Celina has been appointed Chief Executive Officer and member of the Board of Directors at BPB bank in Kosovo in May 2016. He started his career in the banking and microfinance institution – KEP in 1999, to continue in ProCredit Bank since 2002. Mr. Celina joined the team of TEB Bank JSC Kosovo in 2007, initially as a Regional Manager, to be later appointed Head of Sales and Marketing. Since 2013 Mr. Celina has held the position of the Deputy Managing Director in TEB Bank JSC in Kosovo, in the business segments. Mr. Celina has graduated from the Faculty of Economics at the Prishtina University. He graduated from his post-graduate studies in the field of management at UBT and in 2013, he received his PhD in the field of Business Administration by SMC University in Switzerland.

  • Name and Lastname: Artan Sadiku
    Position: Deputy Chief Executive Officer

    Artan Sadiku, was appointed Deputy Chief Executive of the BPB Bank in August 2016. His banking and finance career started with ProCredit Bank, firstly as a loan officer to continue to various managerial positions at the bank branch and headquarters level. In 2014 he was appointed Head of the Business Department. In 2015, Mr. Sadiku joined TEB Bank JSC in Kosovo as the Head of the Business Department, to be later promoted to Head of the SME Division with a special focus on the development of SME’s and the collection of bad loans. Mr. Sadiku has graduated from the Faculty of Economics at the University of Prishtina and has completed Master studies at the University of Ljubljana, Slovenia. He is also a graduate of the Regional Academy of the ProCredit Bank.

  • Name and Lastname: Gazmend Rrustemi
    Position: Deputy Chief Executive Officer

    Gazmend Rrustemi has been appointed Deputy Chief Executive Officer at Banka per Biznes in April 2017. He started his banking career in ProCredit Bank in 2006, initially as an Internal Auditor to continue in other specialist positions until he was appointed Deputy Head of the Internal Audit Department in 2009 and then Head of the Internal Audit Department in 2010. In 2012 he was appointed as Senior Manager, part of the extended Management Board, and over the years has been responsible  for the areas of payments and operations, IT, general services, private individuals business, client service, cards and electronic services, and product development. Starting from 2014, Mr. Rrustemi also served as a member of the Internal Audit Board at ProCredit Bank in Sarajevo. Mr. Rrustemi has graduated from the Faculty of Computer Engineering at the University of Prishtina. He is also a graduate of the ProCredit Academy in Furth, Germany.

Financial Reports

Code of ethics

Banka për Biznes (BPB) is committed to the highest standards of ethical and professional conduct. The BPB Code of Ethics sets out the basic principles and practices of work, professional and personal conduct that all the Bank’s employees, Executive Management and Board of Directors must adopt and uphold these standards.

The Code of Ethics is intended to guide our behaviour to promote the integrity and trust of the public. The principles and standards outlined in this Code describe all of our activities and relationships with our affiliates, including customers, colleagues, shareholders, suppliers, regulators, business partners, and the whole society.

To learn more about code of ethics please cilck here

Calls for Bidding

BPB invites you to reply to open calls for bidding which are also published in daily newspapers.

Please refer to the Albanian version of the page or contact Procurement Office at 038 620 620 ext.1021.

Contact

BPB is committed to become accessible through different channels of communication, wherever and whenever needed.

    BPB Junior

    The BPB Juniors programme

    BPB Juniors programme offers engagement opportunities for the youth that aim at starting their career in a developing bank. Through BPB Juniors, the bank is committed to open doors to as many talented youngsters as possible, to undergo a professional development within the banking sector.

    BPB Juniors will offer professional trainings in the field of the banking system and additional ones in the field of analytical studies, through its experts and University professors. Amongst others, the program will offer internship opportunities for students, once the training part is completed.