Kosovo Banking Association (KBA) represents the banking industry in Kosovo by cooperating with the Government, the Central Bank of the Republic of Kosovo, International organizations and civil society, the media, and the public opinion. The aim of KBA is to support a healthy banking system and open and fair competition as well as financial education and literacy for banking clients, which promotes the long-term economic development in Kosovo. The Kosovo Banking Association facilitates the cooperation between banks while offering a single platform for discussion of new initiatives; identifies and reviews legal and regulative initiatives; coordinates common activities for banking industry and promotes banking activities in front of the wide audience. Established in 2002, the KBA is a main reference point related to the issues that deal with the banking sector in Kosovo. KBA represents nine commercial banks: Banka Ekonomike, Banka Kombëtare Tregtare, Banka për Biznes, Credins Bank, IsBank, NLB Prishtina, ProCredit Bank, Raiffeisen Bank, TEB Bank and Ziraat Bank. KBA is the voice of banking industry in Kosovo.