Abdurrahman Balkız,  Country Manager Kosova Branch 

Mr. Balkız holds a degree in Business Administration from Çukurova University. Before joining BKT, Mr. Balkız was Head of the Internal Audit Council at Atlas Investment Bank, a Kentbank subsidiary, and Senior Internal Auditor and Compliance Officer at Kentbank. Prior to joining Kentbank, Mr. Balkız was an Assistant Internal Auditor at Arab-Turkish Bank.
During the last 13 years, Mr. Balkız has been part of BKT – Albania, 6 years as Head of Internal Audit Group and the last 7 years Mr. Balkız headed the Operation Group. Since January 2014 is part of BKT – Kosovo as Country Manager.




Cenk Arioz, Deputy Country Manager


Mr. Arioz is Senior International Banker with 20 years’ experience (performed banking in Turkey, the Netherlands, Belgium, Germany, UK and Kosovo) in the field of Bank Management, Credits, Risk Management, Auditing and Financial Reporting. 
Mr. Arioz has a Bachelor’s Degree(B.Sc.) from Middle East Technical University on Statistics (1995) and Master Degree(M.A.) from Marmara University(1998) in the field of Banking. He is currently enrolled in PhD Program for Financial Engineering in Yeditepe University. He started his career at Yapi Kredi Bank in Management Trainee Program of 1995. Afterwards he worked as a Credit Analyst in Corporate Credits Department. Mr.Arioz joined Demir-Halk Bank Nederland N.V.(2000) where he worked in the field of Credits and Internal Audit. 
Mr. Arioz moved to Fortis Bank in Istanbul (2006) to work as a Regional Director of Performance Management responsible for Turkey, Greece, Bulgaria, Romania and Ukraine. Mr. Arioz joined to Risk Management Group (2008) with Director position and mainly responsible for Risk Governance (which is covering Risk Management, Compliance and Audit & Internal Control activities of the bank) and Basel Projects. In addition, Mr. Arioz worked for BNPP Group in the Integration Team with involvement of Boston Consulting Group during the merge of TEB and Fortis Bank Turkey. Mr Arioz has joined BKT Kosova as Deputy Country Manager on October 2011.



Albion Mulaku, Corporate and Commercial Banking Group Head


Mr. Mulaku holds a degree of Financial Business of Enterprises from University of Prishtina. From 2000 until 2003, Mr. Mulaku worked as Trainer and Language Assistant at OSCE. He started his banking career in 2003 as Loan Officer at ProCredit Bank and in 2005 he was promoted to Sub Branch Coordinator. Later in 2007 he was promoted as Regional Corporate Manager. From 2009 until 2010, Mr. Mulaku joined ProCredit Holding in Frankfurt am Main, Germany, as Credit Risk Specialist responsible for Credit Risk of PCB Albania, Bulgaria and Macedonia. Mr. Mulaku joined BKT Kosova Branch on October 2010 as Head of Corporate and SME Marketing. From December 2013 Mr. Mulaku was promoted to Corporate and Commercial Banking Group Head.





Murat Derman, Retail Banking Group Head


Mr. Derman holds a Bachelor Degree in Computer Science from Ege University and an Executive MBA Degree in Sabanci University, School of Management in Istanbul, Turkey. Mr. Derman has over 20 years of experience in Banking and IT sectors in Turkey. Before joining BKT, Mr. Derman has worked in some Turkish and International banks including Pamukbank A.S, Akbank A.S and Odeabank A.S in Turkey. Mr Derman has joined BKT Kosovo as Retail Group Head on September 2016.







Rudin Lleshaj, Operations and HR Group Head


Mr. Lleshaj holds a Degree in Economics and MBA Degree from Middle East Technical University in Ankara, Turkey. Mr. Lleshaj has more than 11 years of experience in banking industry. He joined BKT in September 2001 as Assistant Internal Auditor and held this position until 2003 when he got promoted to Operations Manager in Saranda Branch. From 2007 his career was developed both in BKT Albania and BKT Kosova Branch serving in various positions such as Senior Internal Auditor, Operations Manager, Head of Financial Control and Planning Department and Manager of Operational and Market Risk Department. February 2014, Mr. Lleshaj was promoted as Operations and HR Group Head in BKT Kosova Branch.





Elton Xhafaj, Internal Audit Group Head

Mr. Xhafaj holds a Bachelor Degree in Management from Istanbul University and a MSc Degree in European Economic Studies from University of Tirana. Mr. Xhafaj has over 12 years of experience in Banking and Telecommunication sectors. He joined BKT Albania in 2002 as Internal Assistant Auditor till 2008 when he got promoted to Deputy Head of Internal Audit Division. In 2012 Mr. Xhafaj joined Albtelecom as Internal Audit Director, where he established the Internal Audit function in the company. In June 2015, he joined BKT Kosova Branch as Head of Internal Audit Group.




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