📋 Tender Overview
Location:
Kosovo
Project number:
56099
Business sector:
Financial institutions
Notice type:
Private
Environmental category:
BE
Approval date:
11 Mar 2025
Status:
Approved
English-language PSD published:
14 Mar 2025
Project Description
A senior unsecured loan of up to EUR 5.0 million to be disbursed in two equal tranches (EUR 2.5 million each) under the EBRD Go Digital in WB programme. The loan will have a 3-year tenor with a 1 year grace period. The second tranche will be uncommitted.
Project Objectives
The proceeds of the Bank's investment will be used for providing a combination of specialised financing for automation, digitalisation, competitiveness and green technologies to eligible SMEs in accordance with the respective Policy Statement. At least 60% of the total investments shall be in eligible automation and digitalisation projects, of which at least 60% shall be GET eligible. Furthermore, at least 60% of the total investments shall be GET eligible.
Transition Impact
ETI score: 65
The project contributes to the objectives of the FIF, supporting the Transition Impact qualities of Competitive and Green:
Competitive: The Project will encourage the Competitiveness of SMEs by expanding digital lending to SMEs in-line with FIF standards.
Green: The Project will contribute to the Green TI quality by addressing energy efficiency as part of the eligible activities of investments of SMEs.
Client Information
BANKA PER BIZNES SHA
Banka per Biznes Sh.A. ("BpB") has been a long standing EBRD partner since 2010. It is a mid-sized bank in Kosovo offering a wide range of commercial banking products to all customer segments, with a main focus on Micro, SME and Retail clients. BpB, established in 2001, is the 7th largest bank in Kosovo among 11 operating in the market, with a market share of 7.01% by total assets and 6.97% by net loans as of YE 2024.
EBRD Finance Summary
EUR 5,000,000.00
Total Project Cost
EUR 5,000,000.00
Additionality
Additionality in this project includes providing longer-tenor, mid-term financing unavailable in the short-term deposit-funded market, along with expertise in automation, digitalisation, and green lending.
Technical cooperation will build BpB's internal capacity to enhance digital and energy-saving efforts, ensuring compliance with environmental and social (E&S) requirements, while 60% of sub-loans are expected to meet GET standards.
A Gender SMART component promotes equitable access to finance for women-led SMEs, with specialized training to improve digitalisation readiness, project appeal, and gender-responsive outreach strategies.
Environmental and Social Summary
Categorised FI (2019 ESP). BpB is an existing client and their Annual E&S Report of 2022 demonstrated improvement of their environmental and social performance thus complying with the Bank's relevant performance requirements. BpB will be required to continue to implement the environment
