Suat Bakkal – CEO and Board Member

Mr. Suat Bakkal was born in 1980, Trabzon-Turkey; Mr. Bakkal completed both undergraduate & Graduate studies at Boğaziçi University and holds a Master Degree in Economics and Finance. He also has capital markets licenses on the fields of Derivative Financial Instruments, Corporate Governance, Credit Rating, Real Estate Appraisal and CFA3.

During his career, Mr. Suat Bakkal served as the Head of Corporate Marketing in Aktif Bank, as well as executive committee member of IFM Istanbul Financial Center J.S.C., board member and real estate investment funds committee member of Mukafat Asset & Portfolio Management Co., board member of Inovaban Innovation Consulting JSC, and also chairman of several energy production & investment SPV companies.

On April 2018, Mr. Bakkal was appointed CEO and Board Member of BKT Kosovë J.S.C. 



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.




Naim Ratkoceri - Loan Management and Legal Group Head


Mr. Naim Ratkoceri started his career in January 2000 with IOM (International Organization for Migration) as Program Administrator and Financial Assistant. In 2002, Mr. Ratkoceri started his career in the banking sector with Raiffeisen Bank Kosovo J.S.C., later joined ProCredit Bank and until 2009 held various positions as Loan Officer, Loans Control Coordinator and Head of Unit for Credit Risk Assessment. Mr. Ratkoceri had a two-year break in the banking sector where he worked at Unio Commerce as Manager of Administration and Finance. In 2009 Mr. Ratkoceri joined BKT as the Manager of Corporate and Trade Credit Department. In September 2017 he was appointed Head of Risk Management Group, since July 2018, Mr. Ratkoceri has been working as Head of Loan Management and Legal Group.

Agon Skeja - Accounting & Financial Control Group Head


Mr. Skeja finished his Bachelor and Master studies in Banking Finance and Accounting, continuing his PHD studies in the same subject and currently he is a PHD candidate at the State University of Tetova.


His career began as the Head of Office of Quality and Internal Control at the University of Prizren, being involved also in the academic process. In 2012 he joined BKT Kosova at Internal Audit Department. In 2014 Mr. Skeja was appointed as a supervisor to the Accounting and Financial Control Department, holding various positions within this department. In July 1, 2018, he was promoted as the Head of Accounting and Financial Control Group.     


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