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S&P Country rating  A-
Alior Bank is a Polish retail bank with headquarters in Warsaw. Since its foundation in 2008, the number of customers has risen to over 4.2 million. With 8,000 employees and an extensive retail network consisting of 221 branches and 643 partner branches, Alior Bank is considered one of the most innovative and fastest growing financial institutions in Poland. Numerous awards serve as testament to Alior’s success, including ‘Best European Retail Bank 2014’, selected by the jury at ‘Retail Banker International Awards’. Other such examples include ‘Best Bank in Poland 2014’, awarded by Global Finance, and the ‘BAI-Finacle Global Banking Innovation Award 2013’. In December 2012, Alior Bank made history with the largest IPO of a private company ever made on the Warsaw Stock Exchange. Since March 2014, the bank has been listed on the WIG20 Index, which lists the twenty largest Polish companies on the Warsaw Stock Exchange in terms of market capitalization.
S&P Country rating  AA+
Euram Bank (European American Investment Bank AG), an independent Austrian private bank based in Vienna, was founded in 1999 and has since established itself in the areas of private and investment banking for Austrian and international individuals, entrepreneurs and institutional investors. Euram Bank has a solid capital base and is committed to a total return approach, which focuses on long-term wealth preservation and strict discipline in risk management.
Czech Republic
S&P Country rating  AA-
J&T Banka was founded in Prague in 1998 and is part of the Czech-Slovak J&T Finance Group, which holds investments in various industries, including energy, healthcare, real estate and media. The portfolio also includes the Czech football club Sparta Prague. Over the last few years, the bank has established itself as one of the largest private banks in the Czech market. It also has branches in Slovakia, Russia and Croatia. The bank is a reliable partner for customers demanding the highest standards in product and service. In addition to complex private banking services, J&T Banka offers specialised financing for real estate and corporate acquisitions as well as securities transactions for private investors.
S&P Country rating  A+
PayRay Bank is a bank specialising in business financing services with headquarters in Lithuania. A banking licence that allows lending and accepting deposits was issued to PayRay by the European Central Bank in 2019, at the suggestion of the Bank of Lithuania. Established in 2018, the company operates in international markets, providing factoring solutions and other financing services. It has a branch in Latvia and plans to expand to other countries. PayRay Bank has brought together a team of first-class finance professionals and built an experienced international board of advisors. PayRay Bank is focused on small and medium-sized businesses, enabling them to stabilise their working capital and improve performance through the services it offers. The defining features of its services are flexibility, fast decision-making, and close attention to clients’ needs as well as the nature of their business. PayRay Bank continues to expand its portfolio of financing services, currently offering account financing and business loan services and having signed cooperation agreements with the European Investment Fund, INVEGA (a financial entity incorporated by the State of Lithuania), and other organizations.