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savings and investments: Fixed Income

Benefits of Investments with Fixed Incomes

There are a number of good reasons why we may be the right partner for you.

Low Risk

Government securities are widely acknowledged and recognized as investment options that carry a significantly reduced level of risk, making them an attractive choice for many cautious investors seeking stability and security in their financial portfolios

Maturities upon your choice

Raiffeisen Bank SH.A offers to its clients the opportunity to invest in government securities with different maturities and also relative high interest rates compared to the market in overall

The possibility to participate directly in the primary market auctions through our bank

Raiffeisen offers the custody service for its client which intend to participate directly in the securities primary market. Regarding new auctions you can check time to time the respective web pages of the Central Bank and the Ministry of Finance.


Raiffeisen Bank SH.A has the secondary market licenses from the Financial Supervisory Authority. In case the client needs or wants to sell in the market we can buy the paper and also with competitive prices compared to the secondary market

Product Features

Treasury Bills and Bonds are debt securities issued in the form of register from the Ministry of Finance on behalf of the Albanian Government Treasury Bills are short term securities with maturity up to 1 year. In Albania are issued T-Bills with maturity of 3, 6 and 12 months. The maturity is the time difference of investment date and maturity date.
Treasury Bonds are longer term up to 10 years of maturity (currently 2, 5, 7 and 10 years). They have a fixed or floating coupon which is paid every six months and at maturity is also paid the nominal value. Securities are issued in the form of register, over account, that means that they do not have a physical form, but to the investor is given an ownership certificate.