This is a risk‑sharing model under which the EBRD assumes part of the credit risk, enabling ProCredit Bank to finance a larger number of companies, including those that have previously had more limited access to funding. The programme is also supported by the European Union through the EFSD+ initiative.
The new funds will be directed to micro, small and medium-sized enterprises, with a particular focus on businesses outside major urban centres, companies led by women and young entrepreneurs, as well as projects that contribute to the green transition. It is important to note that ProCredit Bank is only the second bank on the market to sign such a guarantee facility with the EBRD, thereby further strengthening its role as a partner to the real sector, especially in segments where access to finance is limited.
Amir Salkanović, Chairman of the Management Board of ProCredit Bank, and Stela Melnic, EBRD Director for Bosnia and Herzegovina
“Access to finance in Bosnia and Herzegovina is still uneven, particularly for micro and small businesses, companies in smaller communities, and entrepreneurs who are just starting to develop their operations. Cooperation models like this allow us to deliberately enter these segments and provide support where it is needed most. Our focus remains the same – financing sustainable, real projects and being a long-term partner to the economy. We have been doing this with the same enthusiasm and dedication for almost 30 years,” said Amir Salkanović, Chairman of the Management Board of ProCredit Bank.
Stela Melnic, EBRD Director for Bosnia and Herzegovina, added:
“Small and medium-sized enterprises are the backbone of the economy in Bosnia and Herzegovina, yet access to finance remains one of the key constraints to their growth. Through this new risk‑sharing scheme with ProCredit Bank, we are enabling additional funding for companies that drive employment, innovation and resilience, while at the same time strengthening a green and inclusive economy.”
ProCredit Bank & EBRD
Through this programme, at least 25 percent of the funds will be allocated to projects contributing to energy efficiency and sustainable investments, in line with green transition criteria.
The agreement signing took place at the headquarters of ProCredit Bank in Sarajevo, in the presence of Stela Melnic, EBRD Director for Bosnia and Herzegovina, and Amir Salkanović, Chairman of the Management Board of ProCredit Bank. More information on lending is available on the website www.procreditbank.ba.
