Page 9 - BKT Annual Report 2024 EN

• BKT finalized the deep reconstruction
and restauration of its historical
building in Durrës, constructed in
November 1928.
• MREL Bonds issued to strengthen the
capital structure and the resolution
capabilities as a systemic bank, was
the record of the market which is
bigger than all amount of issued bonds
yet.
• First bank to enter the Albanian market
with an Electronic Money Institution,
BKT Pay. This strategic move not only
underscores BKT’s committment
• BKT Kosova became to innovation but also reinforces
a subsidiary of BKT our position as a forward-thinking
Business Albania. financial institution prepared to meet
e-banking was • The ATM Network was the evolving needs of our customers.
launched. fully renewed.
BKT becomes
officially the biggest
bank in Albania in
term of total assets.

2012 2013 2014 2015 2018 2022 2023 2024

3D Secure was
introduced for higher • BKT Smart mobile application
protection for the was upgraded with the
debit and credit cards. newest UX design and new
innovative feautures such as
QR payments, P2P or P2C.
• Smart ATMs were
upgraded with the ‘’CX
Banking Software’’ the
Installments and latest technology aiming
to increase customer
contactless features experience. During year 2024, BKT started
were introduced to the implementation of project
the cards products. EASY, an initiative aimed
at optimizing efficiency,
modernizing branch operations
and enhancing customer
experience. Focused on
simplicity, digital integration
and operational excellence,
EASY introduced a new service
model, streamlined processes
and upgraded branch design
to create a faster, more intuitive
and customer-friendly banking
environment. 13 branches have
been already transformed
with the remaining ones to be
finalized in the upcoming year.

ANNUAL REPORT 2024 9