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About Intesa Sanpaolo Bank Albania sh.a

Intesa Sanpaolo is the leader in Italy in all business areas: retail, corporate and wealth management.
Intesa Sanpaolo Bank Albania is a leading bank in the country that offers companies, institutional and high-income private clients, as well as small and medium-sized businesses and individual customers, reasonable solutions through a wide range of innovative products & services and a network of 32 branches, in different cities of the country, which continues to expand strategically, following closely the economic development of Albania. Business innovation and service improvement at Intesa Sanpaolo Bank Albania are inspired by our customers.  The Bank through its “Listening 100%”programme and the yearly Customer Satisfaction surveys builds up its business strategy and action plans.

Intesa Sanpaolo S. p. A. is the banking group created by the merger of Banca Intesa and Sanpaolo IMI, two large Italian banking realities characterized by shared values that joined to grow more, to better serve families and to help the further development of entrepreneurship and country growth .

Intesa Sanpaolo stands among the most important Eurozone banking groups with a market capitalization of 37.2 billion euros (as per data of 31.08.2018). Intesa Sanpaolo is the leader in Italy in all sectors of the business: retail, corporate and wealth management. The group offers its services to 19.4 million customers relying on a network of nearly 5.659 branches. (Data of 30.06.2018). Intesa Sanpaolo has chosen to be present in Central and Eastern Europe and in the Middle East and North Africa thanks to nearly 1100 branches and 7.5 million customers, including the subsidiary banks operating in commercial banking in 12 countries, as well serving through an international network of specialists in support of corporate clients, in 25 countries, particularly the Middle East and North Africa, and in those areas where Italian companies are most active, such as the United States, Brazil, Russia, India and China.
Our Mission

We work to provide quality banking and financial services for our customers and activate ways to promote development in all the areas where we operate. We encourage a style of growth that is attentive to sustainable results and the creation of a process based on trust deriving from customer and shareholder satisfaction, a sense of belonging on the part of our employees and close monitoring of the needs of local communities. We compete on the market with a sense of fair play and are ready to cooperate with other economic entities, both public and private, whenever it is necessary to reinforce the overall capacity for growth in the economies of the countries where we operate.

Our Values
We pursue our goals with honesty, fairness and responsibility in the full and true respect of the rules and professional ethics and in the spirit of signed agreements.

We set ourselves the goal of continuous improvement, farsightedness, anticipating challenges, cultivating extensive creativity aimed at innovation; moreover we recognise and reward merits.

We are committed to making transparency the basis of our actions, advertising and contracts in order to allow all our stakeholders to make independent and informed decisions.

Respect for specific qualities
It is our intention to combine large-scale operations with profound local roots and to be a bank with a broad vision, without losing sight of individuals.

We are committed to eliminating all forms of discrimination from our conduct and to respect differences in sex, age, race, religion, political and union persuasions, language or disability.

Values of the individual
The value of each single person is a guide for our modus operandi: we use listening and dialogue as tools for continuously improving our relationships with all our stakeholders.

Responsibility in the use of resources
We aim to use all our resources attentively, promote behaviour based on the best use of resources and the avoidance of waste and ostentation, and we give priority to choices that take sustainability into account.
Our Background
Intesa Sanpaolo Bank Albania sh.a was born on 2008 from the merger of two important Banks of the country Banca Italo-Albanese (founded on 1993) and the American Bank of Albania (founded on 1998), both acquired from Intesa Sanpaolo Group.
ABA was established in September of 1998, by the Albanian-American Enterprise Fund (AAEF) a private investment fund established by the United States Government under the SEED Act of 1989, to assist Albania in its transition to a market economy. As at 30 December 2007, ABA had total deposits of LEK 93.4 billion, total loans of over LEK 39.7 billion, and total assets of over LEK 106.4 billion. On the 20th and 21st of December 2006, AAEF, ABA’s sole shareholder, signed a Share Purchase Agreement and a Shareholder Agreement for the sale of 80% stake of the shares outstanding, with AAEF maintaining control of the other 20% stake, until 2009. The agreement was finalized on the 29th of June 2007, when ABA officially became a bank of Intesa Sanpaolo Group.


Banca Italo-Albanese was established in July 1993 as one of the first private banks in Albania. It was established as a joint venture between the National Commercial Bank of Albania (shares were transferred to Ministry of Finance) and the Italian Banca di Roma. On 7 December 2005, Sanpaolo IMI signed the agreement for the acquisition of a stake of 80% in Banca Italo Albanese, from Capitalia and the Ministry of Finance (40% each). The European Bank for Reconstruction and Development (20%) retained its stake.
Our Activity
The Bank plays an important role as a major lender for Corporate and SME guided by principles of “sustainability”. In line with its role of “bridge bank” between potential Italian investors and opportunities offered from Albania, the bank is very active in its banking relationship with customers operating in the hydroelectric and energetic field. The lending activity goes along with a prudent approach in making adequate provisions on loans portfolio and paying a great attention to cost control without cutting the investments for growth. 
Pro-activity and simplicity in the retail business determines the relationship with our retail customers. The bank continuously builds partnerships with private and public institutions of the country in order to facilitate a full range of banking services that increase the fidelity of the customers.
General Info
Legal Form: Joint Stock Company
Address: Str. "Ismail Qemali" No.27, Tirana
Number of decision of National Registration Centre: 1091410005
Date of decision of National Registration Centre: 17/06/1998
NIPT (NUIS):  J81817006P
Sum of registered capital on the basis of the Decision of National Registration Centre:
LEK 5.562.517.674,00
Share Capital at 31 December 2014
Number of Shares: 15,581,282
Nominal Value:  LEK 357
Total Shares Value: LEK 5,562,517,674
Key Figures
LEK 168.00 Billion
LEK 134.45 Billion
LEK   42.15 Billion
(Data unaudited with IFRS standards as per 31.08.2018 )
* as per 31.08.2018
Domestic Ranking
Business Area
Domestic market share*

  Domestic ranking**

Total Loans

7.24 %

Corporate Loans

8.04 %

Retail Loans

5.49 %


Total Deposits

11.39 %


Corporate Deposits

20.92 %


Retail Deposits

9.42  %


Total Assets

10.92 %


 *) Data according to Albanian GAAP 31.07.2018
**) Ranking as per 30.06.2018
Shareholders Structure
% Holding in Bank
Intesa Sanpaolo S.p.A.
Piazza san Carlo, 156  10121 Torino, Italy
100 %
Eligible External Appraisers
Eligible External Appraisers Period: October - November 2018 (ENG-PDF)
Branches Timetable
TEG BRANCH IS OPEN ON MONDAY – FRIDAY 10:00 - 17:30 & SATURDAY 10:00 – 17:00


08006000 (Free from Albtelecom & Eagle)
TEL: +355 4 22 76 000
CEL: +355 69 20 80 903

Updated: 22 October 2018






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