Raiffeisen Bank Albania is the largest bank in the country and occupies the number one position on all major key performance indicators. Its asset base is close to 2 billion euros and it has a network of 101 branches throughout the country almost 3 times more than its nearest competitor. 180 ATM-s, 700 POS terminals and a team of mobile bankers gives the Bank a comprehensive distribution network.\\Raiffeisen International purchased the Albanian Savings Bank in 2004 and over the last 4 years has completely transformed the old State Bank into a full service bank serving all sectors of the business and private individual markets. The loan portfolio has grown from zero in 2004 to outstandings of 480 million euros. The transformation is now complete and the Bank has a product range processes, systems and a branch infrastructure that compares favorably with 21st century European standards.\\Raiffeisen Albania, focused on private individual, SME and corporate markets, invested a lot in branch upgrades and computerization. With the introduction of lending to corporate customers and small and medium-sized enterprises, the intensive training of staff and the offering of new banking products, Raiffeisen Bank has underpinned its leading market position. This will include all forms of borrowing, access to leasing finance, employee banking services including loans and overdrafts, and on-line real time banking services through our market leading, Internet-based facility called Multi Cash.