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.


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links providing direct access to other internet resources, Banka për Biznes J.S.C. is not liable for any inaccurate, out of date, defamatory, offensive, or illegal content on such sources.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.


  • Ansis Grasmanis
    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.

  • Gazmend Kadriu
    Deputy Chairman of the Board of Directors

    Gazmend Kadriu has been appointed as a Member of the Board of Directors since March 2022, and currently serves as Vice-Chairman of the Board. He has a professional experience of nearly 30 yeas in the financial sector in Macedonia, Kosovo and Albania, as well as consultancy engagements outside the region. In 1993, he started working in the central bank in Macedonia, related to the Bank Supervision Department that was just being formed, where he was eventually appointed as its first head of department. After several years of consultancy engagements in Macedonia and abroad for various institutions, such as the World Bank Skopje Office, IFAD Rome, PwC Skopje etc., he worked for Ernst & Young Skopje for audits of banks and other financial services, in Macedonia and the region.

    Later Mr. Kadriu has been appointed as a Member of the Board of Directors and the Risk Management Committee of Tutunska Banka Macedonia (now NLB Macedonia). In parallel with this, in 2004 he served as CEO of Banka e Re e Kosovës (now NLB Kosovo). From 2005 on, he was engaged exclusively in Union Bank Albania, leading the founding and the operations of the bank as its CEO, while from 2020 as a Member of the Board of Directors, and of its Strategy Committee and Remuneration Committee. Mr. Kadriu holds a bachelor’s degree from the Faculty of Economics of The Cyril and Methodius University in Skopje, in Finance-Accounting-Banking.

  • Teuta Rexhbeqaj
    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.

  • Ardiana Bakija
    Member of the Board of Directors

    Mrs. Ardiana Bakija was appointed a member of the Board of Directors in March 2022. The professional experience of Mrs. Bakija started from civil society in the early 2000s, where she gave her contribution to the legal spectrum of project implementation in the psycho-social field. Her career continued in the banking industry in the second half of the 2000s, initially in Banka Ekonomike, in leadership positions at the sector and departmental level in ​​Compliance and Money Laundering Prevention. Her experience in this field and at this level of leadership Ms. Bakija continued in Turkiye IS Bankasi, branch in Kosovo until 2020.

    In recent years, Mrs. Bakija has joined the Energy Efficiency Fund (FKEE) in the position of General Services Manager. Her contribution to this institution consists in drafting and monitoring financial and energy service agreements, which are being implemented for the first time in Kosovo. Also, Mrs. Bakija is responsible for overseeing the human resources and procurement department. She is a graduate of the Faculty of Law of the University of Prishtina and is internationally certified in the field of Compliance and PPP as well as in the Energy Efficiency sector.


  • Visar Bytyqi
    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.

  • Florian Dervishi
    External Member of Audit Committee

    Florian Dervishi has been appointed as an external member of the Audit Committee since April 2022. Mr. Dervishi brings 25 years of leadership and professional experience in banking, microfinance, asset management, wealth management, leasing, factoring, and other financial services, with some industry renown names, such as ProCredit Bank, FINCA Impact Finance, Mikro Kapital and others. In those institutions, Mr. Dervishi held Management positions, both at subsidiary and group level (Chief Financial Officer, Group Mergers and Acquisitions Coordinator, Group Chief Internal Audit Officer), governance (Board of Directors, Audit & Risk Committees) and advisory roles. Mr. Dervishi has had direct field experience, including both permanent positions and short-term assignments, in 14 countries of Southern and Eastern Europe (including Albania and Kosova), Central and Southern Asia, Africa and the Americas.

    Mr. Dervishi holds an undergraduate degree from Faculty of Economics and Business Administration, University of Tirana in Finance and Accounting, major in Banking. He also completed his Master of Science degree at Staffordshire University, UK, for International Finance and Management. Mr. Dervishi is also a Certified Banker by the American Bankers’ Association. Mr. Dervishi is a Certified Financial Analyst (CFA) Candidate, level II.

  • Fitore Iberhysaj

    Corporate Secretary
    Email: Fitore.Iberhysaj@bpbbank.com
    Tel: +383 49 904 829


For additional information Organizational Structure

  • Artan Sadiku
    Acting 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. Mr. Sadiku is currently a PhD candidate in the International School for Social and Business Studies (ISSBS) located in Celje, Slovenia.

  • Gazmend Rrustemi
    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.

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.