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Trade Finance

TEB SH. A. understands that international business in a globalized world is a challenge - success demands extensive professional knowledge and an effective network. TEB has both.

During 2016, we continued to support our customers by creating and adapting trade finance solutions for their business needs. Moreover, we worked consistently on expanding our networks, strengthening relationships with other banks, and further enhancing our high standards of professionalism and competence. Supported by the BNP Paribas and TEB A.Ş. global presence and expertise in international trade, we are continually broadening our geographic cover and product range.

Trade Finance products for documentary operations include import and export letters of credit, discount on letters of credit, national and international guarantees, stand-by letters of credit and collections. The agreement signed in 2011 with the International Finance Corporation’s (IFC) trade facility program has provided us with a great opportunity and even more flexibility in responding to demand related to confirmed letters of credit and counter guarantees. During the reporting year, we also further expanded our relationships with new correspondent banks.

TEB SH. A. has maintained consistent support for its clients and it aims to always be the most reliable and preferred business partner in Kosovo, by continuing to share professionalism and expertise in trade finance products to its clients and also providing innovative solutions.

What’s next?

In the coming year, we will continue to support our clients by providing a safe bridge to new opportunities. Professionalism and expertise will be our guidelines as we see these as differentiators in a fast-moving world. We are also aiming to add new international trade products to our range in 2017.

Trade financing

Letter of guarantees

Helping you build safe financial national and international partnerships

Whenever you enter into business contracts that require guarantees that you will fulfill your obligations, we would be pleased to discuss the option of a Letter of Guarantee.

Letters of Guarantee issued by TEB rely on the long tradition and expertise of our parent companies, TEB A.S and BNP Paribas.

Guarantees issued by TEB are “on demand” guarantees and are paid at first request. All payments made under the guarantee issued by TEB should be processed through TEB and refer to the related reference number.

The Letter of Guarantee can be used both for domestic and international contracts as TEB provides you with the following types:

Tender Guarantee

Is a document required in the application phase for a tender as it assures that the product or service will be delivered to the beneficiary according to duties and responsibilities in the tender file. The purpose of a Tender Guarantee is to indicate to the buyer that the Tender is a serious offer and that the party submitting it will sign the contract if the Tender is accepted.
Performance Guarantee


Advance Payment Guarantee


Payment Guarantee


Other Guarantees

Letter of credit

Helping you build safe financial national and international partnerships

International business opens up a lot of opportunities but can be challenging. You need to know and understand the terms and conditions of the transaction and how you can protect your financial interests.

TEB has long-standing and extensive experience in international trade – as being part of the IFC Program-International Finance Corporation, member of World Bank Group,  and have a network of no less than 130 corresponding banks around the world.

Our range of products and services to support your international trade, all provided at very reasonable and flexible terms, is extensive.

TEB offers a full range of payment tools to facilitate international trade.

In the documentary credit process, the Bank deals only with documents but not with goods, services or performance to which the document may relate - payments are made only against documents that are in compliance with LC terms.

Letter of Credit for Import

This type of letter of credit (LC) can be simply defined as a conditional guarantee of payment made by a bank to a named beneficiary, guaranteeing that payment will be made, provided that the terms of the credit are met. In this way it secures both parties involved in the transaction. The seller is guaranteed that payment will be made, and at the same time the buyer is ensured that goods will be delivered as specified in the contract.
Letter of Credit for Export


Letter of Credit ‘’Stand By’’

Documentary collection

Helping you build safe financial national and international partnerships

Documentary Collection is an option to arrange business with international partners and, compared to other documentary credit instruments, is easier and more straightforward as it does not require any application procedure.

This arrangement is offered at very favorable rates and is executed very quickly by the Bank.

Documentary Collection is an arrangement under which an exporter entrusts collection of a payment to his bank, which bank sends the documents together with the payment instructions to the Importer’s bank. We offer the following two types of documentary collections:

Documents against payment

Under this method, documents are delivered to the importer only after the importer deposits the money in the Importer’s bank. Using this method, the exporter can avoid credit risk or the risk of non-payment, since payment is received prior to the transfer of owner¬ship of the goods.
Documents against acceptance

Letter of guarantees

Whenever you enter into business contracts that require guarantees that you will fulfill your obligations, we would be pleased to discuss the option of a Letter of Guarantee.

Read more

Letter of credit

International business opens up a lot of opportunities but can be challenging. You need to know and understand the terms and conditions of the transaction and how you can protect your financial interests.

Read more

Documentary collection

Documentary Collection is an option to arrange business with international partners and, compared to other documentary credit instruments, is easier and more straightforward as it does not require any application procedure.

Read more

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