TEB Kosovo

TEB Kosovo specializes in supporting SMEs with financial and non-financial services and is uniquely poised to play a major role in the economic development of the country.

About TEB Kosovo

TEB Kosovo was established in 2008 as a joint venture between BNP Paribas and TEB A.S. Turkey. Today the bank is one of the leading financial institutions in the country, offering a wide range of corporate, commercial, trade finance, SME and individual banking products and services. It serves Kosovo through a network of 26 branches, dedicated business-client centers, and through a comprehensive range of delivery channels, including retail and corporate e-banking, call centers, ATMs and close to 3,000 points of sale.

The Program

The bank launched its Women Entrepreneurship Program in 2015 with the support of the European Bank for Reconstruction and Development (EBRD). As part of the program, TEB Kosovo offers women entrepreneurs free banking services for a year, flexible collateral requirements, as well as training that covers business planning, strategic management, marketing and finance, in partnership with the Frankfurt School of Business. The bank has also begun to target women whose businesses are in the ideation phase, offering them coaching services to help them develop their business plans. In 2015 the United States Agency for International Development (USAID) granted the bank a US$1.5 million credit guarantee facility for women-owned SMEs.

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15.3 percent of TEB
Kosovo’s SME clients
are women.

businesses comprise
14.8 percent of the
bank’s total client

The bank’s staff is
46.8 percent women.

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The Opportunity - Kosovo

  • 44%

    of women in Kosovo had an account at a formal financial institution as of 2017, Findex found.
  • 21%

    of women of working age are active in the labor market in Kosovo, the Kosovo Agency of Statistics reported.
  • 8%

    of the country's women borrowed money from a bank in 2017, according to Findex, while 40% borrowed money overall that year.
  • 5%

    of Kosovo women saved money at a formal financial institution in 2017, yet 33% engaged in savings behavior that year, Findex found.