This is a risk-sharing model through which the EBRD assumes part of the credit risk, enabling ProCredit Bank to finance a larger number of companies, including those that have previously struggled to access funds. The program is also supported by the EU through the EFSD+ initiative.
The new funds will be directed toward micro, small, and medium-sized enterprises, with a special focus on businesses outside major urban centers, companies led by women and young entrepreneurs, as well as projects contributing to the green transition. It is important to highlight that ProCredit Bank is only the second bank in the market to sign such a guarantee line with the EBRD, further expanding its role as a partner to the real sector, particularly in segments where access to financing is limited.
"Access to financing in Bosnia and Herzegovina is still not evenly distributed, especially when it comes to micro and small businesses, companies in smaller communities, and entrepreneurs who are just developing their operations. Such cooperation models allow us to consciously enter these segments and offer support where it is most needed. Our focus will remain 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 nearly 30 years," said Amir Salkanović, President of the Management Board of ProCredit Bank.
Stela Melnic, EBRD Director for Bosnia and Herzegovina, stated: "Small and medium-sized enterprises are the backbone of the economy in Bosnia and Herzegovina, but access to financing remains one of the key constraints to their growth. Through this new risk-sharing scheme with ProCredit Bank, we are enabling additional funds for companies that drive employment, innovation, and resilience, while simultaneously strengthening the green and inclusive economy."
Through this program, at least 25 percent of the funds will be directed toward projects that contribute to energy efficiency and sustainable investments, in line with the criteria of the green transition.
The contract signing took place at the headquarters of ProCredit Bank in Sarajevo, with the presence of Stela Melnic, EBRD Director for BiH, and Amir Salkanović, President of the Management Board of ProCredit Bank. More information about lending is available on the website www.procreditbank.ba.