Banken haben Milliarden im Balkan und im Osten verloren, wobei die Österreichische Raiffeisenbank, Griechische Banken am meisten verloren haben.
Im Vergleich arbeiten durchaus die Italiener identisch, früher mit dem AREF Fund, heute andere Fund, für kleine und mittlere Unternehmen, nur werden die Gelder überwiegend nicht ausgezahlt, ob in 2000, oder heute in 2017-2018, weil die angeblichen Firmen nur mit gefälschten Unterlagen Anträge stellen, dahinter kriminelle Clans und Politiker stehen. Abgewickelt über die Intesa San Paolo Bank, wo fast alle Gelder bis heute liegen. Die Bank hat viel und schnell gelernt, als sie die US Betrugsbank des AAEF Fund kaufte: American Bank of Albania.
Kriminelle und Unsoziale Personal Politik, zeigt eine erstaunliche Inkompetenz der Eigentümer, denn Motivation ist der beste Geschäfts Motor auch im Banken Sektor. Aber genau die korrupte Behandlung der Mitarbeiter, ist totale Fehl Anzeige bei der Pro Credit Bank, welche ihre besten Leute, sogar hinaus mobbt mit allen Methoden.
Banken und die Balkan Mafia, wo es 100 % gefälschte Dokumente gibt, bei Kredit Anträgen und Investoren Betrug mit vielen Phantom Projekten.
Osteuropa belastet österreichische Banken in Milliardenhöhe
10. Oktober 2011 18:13
05 Mar 15
Kosovo Case Mounts up Against Bank Sackings
Former employees of ProCredit Bank accuse the bank of using illegal methods to cull its workforce ands boost profits.
|Former employees accuse Kosovo’s largest bank of resorting to illegal means to trim workforce. | Photo by Atdhe Mulla|
The modest size of the profit reflects the challenging nature of the emerging markets where most of its financial institutions operate. When ProCredit had to pull out of an entire Mexican state, Michoacan, because it was plagued by drug-related violence, it helped push the bank into a 10-million-euro loss in 2013.
ProCredit Kosovo was the second-highest earner in the group, after ProCredit Serbia. In the three preceding years, Kosovo was the top performer.
“Our banks in Balkan markets like Serbia, Bulgaria or Kosovo were again amongst the most profitable in their banking sectors, thanks to the quality of our loan portfolio, the loyalty of our clients and the efficiency of our operations,” ProCredit Holding’s 2013 report noted.
ProCredit Holding has achieved this “efficiency” in part by slashing its workforce, however. The bank is open about this in its financial reports. It cut the workforce in Kosovo by 21 per cent, or 231 employees, while total compensation and benefits dropped by around 8 per cent, just over 1 million euro, ProCredit Kosovo’s 2013 report said.
The bank has not released its 2014 report but figures from the Central Bank of Kosovo indicate the bank shed another 18 per cent of its employees last year.
Claims of former employees, backed up by the labour inspectorate, paint a troubling picture of how ProCredit Kosovo cut staff numbers. They say the bank got round legal requirements concerning redundancy procedures by firing staff without due cause and by pressuring others to leave through intimidation or other forms of coercion. The bank is accused of replacing the older employees with lowered-paid young graduates from a training program.
Former employees have also lodged criminal complaints, bringing the bank under the scrutiny of prosecutors. On January 6, Imer Beka, the chief prosecutor for Pristina, ordered police to detain ProCredit’s CEO, Ilir Aliu. He was held for questioning on suspicion of illegally firing staff and abusing his position.
Florin Vertopi, Aliu's lawyer, told the prosecutor that his client had been too busy to come in.
“I told him [Vertopi] that the prosecution does not adjust to the schedule of those it investigates – it is the other way around. In the end I couldn’t get his consent to come voluntarily and had to send the police in to bring him in,” Beka said.
Prosecutors have also questioned Nora Rraci, the bank’s Senior Manager.
Neither Aliu or Rraci has yet been charged and they did not respond to BIRN’s request to answer questions.
However, Procredit spokeswoman, Albena Carkaxhiu, said the bank did not engage in any illegal activity to make staff redundant and eliminated positions on a case-by-case basis as part of a restructuring drive.
She said employees were treated fairly and legally. “The bank acts on the basis of its regulation and implements professional standards when it concerns work, employment and business ethics,” Carkaxhiu said in a written statement in January.
“It is the responsibility of our managers to represent the institutions before the legal authorities. Because our institution always cooperates with all authorities, that is what happened with rule-of-law institutions in this case, too,” Carkaxhiu added.
BIRN has interviewed more than 50 former employees, many of whom have described being faced with a choice: resign and take a small severance package, or face dire damage to their reputations. Former managers say they were put under pressure to come up with reasons to fire employees, often to do with their age or appearance.
One former staffer, Albana Morina, says the message she got from human resources in late 2012 was clear. “Sign the resignation contract today or we will ruin your reputation and never offer you a recommendation,” Morina, 32, recalled the message as containing. “It was blackmail,” she added.
She also said the experience reminded her of the 1990s, when her parents lost their jobs in Kosovo under the Serbian regime in a campaign that targeted thousands of Albanians.
Morina said she was fired after she refused to resign. ProCredit says Morina was laid off as part of the closure of a branch or department.
She is encouraging other former ProCredit workers to join a class-action lawsuit against the company, alleging that they were victims of a campaign of intimidation and illegal firings going back years.
In Kosovo, where labour abuses are common and workers seldom speak up, Morina’s campaign has almost no precedent. Pristina attorney Vahide Braha reported this week that she had filed 27 criminal reports on behalf of former ProCredit employees against the bank’s managers.
“The cases that I am representing have a lot in common: former employees of the bank were threatened that their future would be made difficult if they did not surrender to voluntary resignation,” Braha said.
Employees were typically summoned near the end of the working day and handed a resignation agreement, Braha said. Threats were made in person.
An unlikely whistleblower
The case against the CEO of ProCredit, Ilir Aliu, and other senior managers began with a complaint filed in October 2012 by Diturie Hoxha, the former head of training at the bank.
Hoxha was an unlikely whistleblower. Before joining ProCredit in January 2012 she ran the Kosovo Bankers Association for seven years. “I felt banks were contributing to the development of the local economy by helping overcome the obstacles that our businesses face,” Hoxha said.
But Hoxha felt troubled about what she was being asked to do at ProCredit, where she worked as Head of Training for seven months before being fired.
Hoxha says she was enlisted in a drive to push out experienced, higher-paid employees in order to make room for younger ones. “Staff in senior positions were demoted to such levels that they would have no choice but to resign,” Hoxha said.
Employees also were subjected to maths tests, and the results of the tests used as a pretext to fire them, Hoxha said.
As experienced employees left the bank, or were fired, ProCredit brought in young employees through its Young Bankers Program, according to Hoxha.
ProCredit presents the programme as “a comprehensive development training opportunity for qualified professionals and recent graduates from universities or other higher education institutions” and as “the point of entry into ProCredit Bank.
“According to our rules, all new positions are filled from candidates that come through the Young Bankers Program that acts as a training preparation, financed by the bank, where the best candidates are chosen in the end for employment,” ProCredit’s press office says...............