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About Us
Board of Directors
Ayşe Aşardağ
- Chair
Luc Delvaux
– Vice Chair
Alp Yilmaz
– Vice Chair
Osman Durmus
– Board Member
Nilsen Altintaş
- Board Member
Patrick Poupon
– Board Member
Esra Peri Aydoğan
- Board Member
Fatma Gülden Yüncüoğlu
– Board Member
Orcun Ozdemir
– Managing Director and Board Member
Oya Gökçen
- Board Member
Executive management
The executive management of TEB Sh. A is consisting of:
Orcun Ozdemir
Managing Director and Board Member
Born in Eskisehir, Turkey in 1977, Orcun Ozdemir graduated from Faculty of Economics at the University of Anadolu. He started his banking career at Garanti Bankasi in 2003 where he held several positions related sales. In 2007 he joined TEB AS as a commercial portfolio manager, in 2008 he was appointed as Branch manager of Gazimagusa of Cyprus.
He joined TEB Sh.A. in January 2011 as head of SME business. From January 2011 to 2013, he served as head of SME and Card business division. In January 2013, he has been appointed Deputy General manager responsible for individual banking and card business.
Mr. Ozdemir was appointed Managing Director in 2017.
Dukagjin Shylemaja
Deputy Managing Director
Born in Prishtina, Kosovo in 1981, Dukagjin Shylemaja graduated from the Faculty of Economics of Prishtina University and finished his Master studies on Banking and Finance at the University of Ljubljana. He started his professional career at Pro Credit Bank Kosovo (formerly Micro Enterprise Bank – MEB) in 2000. He served as international payment officer, senior documentary business and banking guarantees officer, treasury and payment manager, branch manager and division manager of banking operations and payment systems until 2007.
Mr. Shylemaja joined TEB Sh.A. in 2007 and was appointed Deputy Managing Director.
Agron Gashi
Deputy Managing Director - SME and Corporate Banking
Born in Prizren, Kosovo on 1985, Agron Gashi is an accomplished banking and financial services professional with a rich history of leadership in various high-impact roles. With a career spanning almost two decades, Agron has demonstrated a consistent track record of delivering results, driving innovation, and leading teams towards achieving excellence in the banking sector Prior to joining TEB Sha.
Agron held several key positions at Raiffeisen Bank Kosovo JSC and Raiffeisen Bank International AG, based in Vienna, showcasing his ability to manage and develop products and services, and leading significant digital transformations while overseeing significant growth and efficiency improvements Agron’s academic credentials include a Master of Science in Economics for Business Analysis from Staffordshire University, UK, and a Bachelor of Management from the University of Prishtina, Kosovo.
Umur Apaydin
Chief Risk Officer
Born in Adapazari, Turkey on 1964, Umur Apaydin graduated from Economics Faculty at Middle East Technical University Ankara. He started his banking career as with TEB A.S., Istanbul in 1994, as internal auditor and worked as a director at Risk Management Division between 2003- 2018. In 2019 he joined to TEB SHA Kosovo, with the position of Chief Risk Officer.
Rezak Fetai
Chief Financial Officer
Born in Tetovo, North Macedonia in 1978. Rezak Fetai graduated from the Faculty of Economics, Ss. Cyril and Methodius University of Skopje. He earned his Master of Science degree in Professional Accountancy in University of London (under the Academic leadership of University College London’s (UCL) School of Management). He is a member of ACCA (the Association of Chartered Certified Accountants). He started his banking career as loan officer in ProCredit Bank Kosovo in 2002 and later on served in various management positions in ProCredit Group: in Kosovo (Senior Manager, part of the extended Management Board covering Finance Area, Treasury and AML), Germany, North Macedonia and Bosnia and Herzegovina. Mr.Fetai joined TEB SH.A in October 2018 and was appointed as a CFO and a member of the Executive Board. He is responsible for the Finance Area, Strategic Planning and Development, Data Management & Data Protection.
Edmond Jashari
Deputy Managing Director for Retail Banking
Born in Gjilan, Kosovo in 1982, Edmond Jashari has over 17 years of Banking experience with strong expertise and leadership in key areas of banking, with special focus on Retail Banking, including Mass Banking, Affluent Banking, Digital Banking, and Bancassurance.
He joined TEB and BNP Joint Venture in 2008 as SME Portfolio Manager and has developed his career within the organization by advancing through different positions during these years. In September 2024, he was appointed as a Deputy Managing Director responsible for Retail Banking and now, he is part of the executive management of the bank.
Edmond holds dual MBA degrees in General Management from the University of York in UK and Universite de Strasbourg in France and is also an alumnus of Rochester Institute of Technology in Kosovo.
Yll Gashi
Deputy Managing Director - Card and POS Business
Born in Prishtina, Kosova in 1983 with over 19 years of extensive experience in the banking sector, Yll Gashi has established himself as an expert in the payment industry, focusing on card issuing business, card acquiring business and sales and marketing. Recognized for his strategic approach, Yll has led numerous initiatives in collaboration with international payment systems, aimed at fostering innovative solutions and business growth.
Prior to TEB, Yll gained invaluable experience in retail portfolio management as a Relationship Manager at ProCredit Bank. Since 2008, Yll has been a vital member of TEB and BNP Paribas Joint Venture. His career progression within TEB includes key positions such as Deputy Head of SME Sales and Marketing, showcasing his expertise in product development and customer-centric solutions. In his role as Head of Cards and POS Business, he has been responsible for the development and management of card payment systems. His leadership in establishing and maintaining strategic partnerships has been instrumental in positioning the institution at the forefront of the financial services market. While also serving as Business Compliance Coordinator, he is ensuring alignment with regulatory framework, including KYC, AML and ABC protocols, and fostering a secure and compliant financial environment.
Yll holds dual MBA degree in General Management from the University of York in UK and Universite de Strasbourg in France.
Compliance
We are committed to responsible banking and to act with integrity and responsibility in everything we do. At TEB, we believe that in creating value for our clients, shareholders, employees and society, the way we do business is as important as the sustainability of our business growth.
It goes without saying that compliance with laws and regulations and the highest international standards and guidelines is part of our identity and forms the foundation for how we do business. In our opinion, the Bank should be built on trust, reliability and stability. That is why we always strive to be in line with globally recognized best practices and standards for the prevention of money laundering, terrorism financing and corruption. As TEB Sh. A. states, we are committed to ongoing compliance with relevant international laws, regulations and standards, including Know Your Client principles.
At the same time, we have set high standards of business integrity and ethical behavior in order to increase the effectiveness of compliance framework. In recent years, there has been a continuous increase in regulatory requirements in Kosovo and at the BNP Paribas Group level, where compliance management is becoming a top priority. As in previous years, we have faced many challenges, but appreciate the increased importance, awareness and enforcement in the field of compliance. Our team spirit, dedication and continuous improvement of our efficiency are all aimed at maintaining the integrity of our financial institution.
We expect our employees to act honestly, responsibly, fairly and professionally, serving the best interests of clients and respecting the integrity of the markets. Our code of conduct, consisting of our values, conduct and ethical requirements in business, forms the basis of how our employees behave with our colleagues and clients, business partners, shareholders and authorities. The code of conduct includes ethical provisions in business aimed at managing conflict of interest, preventing market abuse, fighting terrorism and other economic crimes.
We are committed to complying with strict laws, regulations and guidelines to combat money laundering, terrorist financing and prevent violations of international financial sanctions. We analyze our clients and their transactions to prevent our name and our products and services from being misused for such purposes. This can be seen in the increased number of employees working in our Compliance Division, as well as in the implementation of advanced tools related to AML/CTF and international financial sanctions.
To this end, we implement meticulous measures supported by automatic monitoring systems and the "Know Your Client" (KYC) screening process. Our KYC review process serves to update information to manage AML/CTF risks that may arise as a result of providing the service to an existing client. The process is in the form of regular reviews, according to the established procedures and including evaluation of the people or entities who are the ultimate beneficial owners. Preventive measures and the implementation of detailed controls help us maintain strict compliance with laws and regulations as well as BNP Paribas Group's tailored policies and procedures. Therefore, we continue to implement important projects to strengthen our IT infrastructure and cross-functional approaches to work ethics, to prevent money laundering/terrorist financing/violation of international financial sanctions and conflict of interest, and will continue working on similar projects in the future. In order to promote our compliance program and ensure awareness and compliance by our employees, we have expanded our training program to include e-learning and specific modules on key compliance topics.
The modules are available to all employees and can be adapted to the needs of our business lines in accordance with specific work requirements. They also complement the wide range of on-site training programs that address compliance topics. Most of the disciplines covered by the professional modules are based on common concepts of transparency. Head of Compliance Division reports directly to Chief Executive Officer and on periodic basis to Board of Directors. Its purpose is to manage compliance risks appropriately to ensure that banking activities are in compliance with relevant laws, rules and regulations.
The main Compliance documentation: