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    Referenz: 20230384
    Veröffentlichungsdatum: 29 September 2023

    Projektträger – zwischengeschaltetes Finanzinstitut




    The project concerns a guarantee for an existing portfolio of loans and leases to small and medium-sized enterprises and mid-caps by the EIB Group to support Allianz Bank Bulgaria's lending expansion in the small and medium-sized enterprises and mid-caps sector including focus on projects supporting green objectives.

    Additionality and Impact

    The project contributes to the Bank's lending priority objectives on SMEs, as well as on climate action (transversal). Through an intermediated approach, the Bank will reach SMEs and MidCaps financing small and mid-size projects, which could otherwise not be reached. In addition, the operation supports the financial intermediary's sustainability strategy, increasing its lending in the sector and diversifying its funding sources. The project addresses a number of market failures: From the continuously existing and further widening financing gap stemming from higher interest rates for SMEs, the gap in long tenor financing for Climate Action projects. The EIB's contribution is notable. It offers a guarantee for a subordinated (mezzanine) tranche, increasing the Intermediary's capacity to underwrite new loans. It's a novel product for the market (only 3rd such transaction in Bulgaria) and it is expected to achieve regulatory capital relief for the Intermediary. The EIB participation has a signalling effect to the market, highlighting the viability of the structure.


    The aim is to increase availability of finance for projects carried out by small and medium-sized enterprises and mid-caps operating in the industry, agriculture and services sector. The project contributes to the EIB's SMEs Lending priority and Climate Bank Roadmap, thereby also supporting EU policy objectives. The project has a 25% share of Climate Action and is eligible under Article 309 point (a) projects for developing less-developed regions and point (c) common interest."


    Vorgeschlagene EIB-Finanzierung (voraussichtlicher Betrag)

    EUR 40 million

    Gesamtkosten (voraussichtlicher Betrag)

    EUR 280 million


    Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.


    Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.


    Unterzeichnet - 4/12/2023

    In Prüfung
    3 November 2023
    4 Dezember 2023


    Bis Finanzierungen vom Verwaltungsrat genehmigt und anschließend unterzeichnet werden, befinden sich die Projekte in der Prüfungs- oder Verhandlungsphase. Die Angaben auf dieser Seite sind daher unverbindlich.
    Sie dienen lediglich der Transparenz und stellen nicht die offizielle EIB-Politik dar (vgl. auch die erklärenden Anmerkungen).


    Bulgarien Durchleitungsdarlehen