December 12, 2025
About Us
Founded in 1996, Tirana Bank is the first privately-owned bank in Albania and a recognized pioneer in the country’s financial
sector. With 35 branches across all major cities, industrial areas, and a wide ATM network, the bank ensures nationwide
coverage and a strong local presence.
Since becoming part of BALFIN Group in 2019, Tirana Bank has entered a new phase of dynamic growth. By the end of 2024,
total assets surpassed €1.63 billion, driven by strong performance across all business lines. The bank achieved record
profitability, robust loan portfolio growth, and continued base expansion, outperforming industry averages.
Tirana Bank’s strategy is anchored in sustainable growth, customer-centric innovation, and digital transformation. Investments
in cutting edge online and mobile banking platforms, as well as end-to-end digital lending, are reshaping the customer
experience. With a forward-looking approach and a clear commitment to excellence, Tirana Bank is firmly positioned as one of
the most agile and future ready banks in Albania.
Happy is BALFIN Group’s fintech platform, delivering a comprehensive range of regulated digital financial services in Albania.
Established in 2020, Happy has evolved beyond loyalty programs to offer integrated electronic payment processing, digital
wallet services, Buy Now Pay Later (BNPL) credit solutions, and the issuance of electronic money.
Its service portfolio supports both individuals and businesses, enabling seamless, secure, and flexible payment solutions.
Through its mobile application for customers and its all-in-one POS/kiosk systems for business clients, Happy provides an endtoend digital ecosystem for modern financial transactions.
Licensed under Albania’s financial services regulations, Happy will ensure the highest standards of security, compliance, and
customer experience. By combining innovation, technology, and strategic vision, Happy is leading the digital financial
transformation in Albania and setting new benchmarks for financial inclusion and smart commerce across the country.
Empowering Financial Growth and Innovation
BALFIN Group drives financial inclusion and innovation through Tirana Bank and the fintech platform Happy, offering modern, customercentric solutions across Albania. As the first private bank in the country, Tirana Bank combines tradition with a strong commitment to digital transformation and service excellence. Happy complements this approach by delivering advanced electronic payment systems, digital wallets, and fintech solutions that reshape the financial experience.
A key advantage of BALFIN Group’s financial ecosystem is its seamless integration with the Group’s broader industries — supporting retail, real estate, logistics, tourism, and asset management operations with tailored financial services. Together, Tirana Bank and Happy position BALFIN Group at the forefront of Albania’s evolving financial landscape, empowering individuals, businesses, and industries with smart, 41 41 accessible, and future-ready financial solutions.
