Libra Bank is a private commercial bank in Romania, which, prior to being acquired by an NCH fund in 2003, was consistently loss-making. NCH repositioned the bank by bringing in new leadership and, among other initiatives, shifting its focus to small and medium enterprises (SMEs), the fastest growing segment of the Romanian economy. Libra’s loan focus and risk management helped it weather the 2008-2009 global financial crisis better than most of its peers; instead, Libra opportunistically used the crisis to increase its market share. Today, Libra is one of the fastest growing banks in Romania, having more than doubled its loan portfolio between 2016 and 2019, while remaining sufficiently nimble to capitalize on new market opportunities. Technology and innovative internet-based products and their leadership are key factors driving the growth of the bank.