The Albanian Agribusiness and Tourism Support Program (AATSF) is a project of the Albanian government and the European Bank for Reconstruction and Development. Through this program, four commercial banks participating in the program offer financing with greatly reduced collateral rates.

AATSF is a €180 million financing facility, which comes in the form of Portfolio Risk Sharing and Credit Lines. The program is composed of three main elements:

• 20% Risk Coverage of First Losses in the amount of 36 million Euros financed by the Government of the Republic of Albania

• 10% investment grant for borrowers in both sectors (equity investments only, minimum maturity 18 months) once the investment is completed and verified

• Technical Assistance in the form of capacity building for Partner Financial Institutions and for final borrowers (businesses)

The participating banks in this program are ProCredit Bank Albania, OTP Bank Albania, Intesa San Paolo Bank Albania and Raiffeisen Bank Albania.