The most significant contribution is made by the tertiary sector which has developed considerably since the fall of communism in Albania. Forming the financial centre of the country, the financial industry is a major component of the city's tertiary sector and remains in good conditions overall due to privatization and the commendable monetary policy. All of the most important financial institutions, such as the Bank of Albania and the Albanian Stock Exchange are centred in Tirana as well as most of the banking companies such as the Banka Kombëtare Tregtare, Raiffeisen Bank, Credins Bank, Intesa Sanpaolo Bank and Tirana Bank.