For lenders, investors, and institutional partners.
ERAM Group is a privately-held Kosovo company. Selected financial information, governance documentation, and engagement materials are published on this page for the Group's banking partners, lenders, IFI counterparties, and institutional investors.
Financial highlights (illustrative)
Governance
ERAM Group is governed by a Board of Directors comprising the founder-CEO, non-executive directors, and an independent chair. The Audit and Risk Committee meets quarterly. The Group operates under an independent annual financial audit by a recognised audit firm. See Ethics & compliance for the full governance framework.
The Group's beneficial ownership is disclosed in the Kosovo central register of beneficial owners maintained by the Kosovo Business Registration Agency under Law 06/L-005. There are no publicly-traded debt or equity instruments at the time of writing.
Banking relationships
Banking relationships are held with the following institutions in Kosovo:
ProCredit Bank Kosova
Raiffeisen Bank Kosovo
NLB Banka Kosova
Banka Ekonomike
Documents
Audited financial statements 2024
Available on request under a mutual non-disclosure agreement.
Request access →Investor presentation
Group strategy, market position, financials, growth plan, capital requirements.
Request access →ESG appendix
Environmental, social, governance disclosures (cross-link to Sustainability).
View on this site →Investor contact
For investor, lender, and IFI counterparty enquiries, contact the Chief Financial Officer at investors@eram-group.net. Requests for material non-public information are responded to under a mutual non-disclosure agreement. Standard response time is three working days.