All CEB loans must be approved by the Bank's Administrative Council in accordance with the Bank’s social mandate. All loan projects have to meet specific technical and social criteria, and be in strict conformity with the Bank’s environmental, procurement and compliance guidelines and policies.

The sectoral lines of action underpin the CEB’s five-year development plan, which forms the Bank’s medium term-strategy. The current Strategic Framework organises these lines into: Investing in people and enhancing human capital; Promoting inclusive and resilient living environments and Supporting jobs and economic and financial inclusion corresponding to the new strategic priorities established by the CEB to better support the social policies of its member countries.

An exhaustive list of projects approved since 2010 is below. For more insights and impact stories of CEB social investment projects, see our Projects in focus.

List of projects approved

Date Borrower Line of action Amount Summary
25/06/2025 BCR Social Finance IFN (Romania) Supporting Jobs and Economic and Financial Inclusion € 25 000 000 A Programme loan* to support the Borrower’s on-lending activities to micro-enterprises and social economy entities throughout Romania by facilitating access to financial resources for small businesses, microbusinesses and individuals, with limited or no access to the traditional banking system.
13/06/2025 MI-BOSPO Microcredit (Bosnia and Herzegovina) Supporting Jobs and Economic and Financial Inclusion € 5 000 000 A Programme loan to support the Borrower in providing assistance to micro-enterprises and private households in Bosnia and Herzegovina (BiH) by financing productive investments, working capital and home improvement needs. The Programme will also contribute to the creation and preservation of jobs. The loan portfolio demonstrates a strong focus on women.
13/06/2025 SG Equipment Finance Czech Republic s.r.o. (Czech Republic) Supporting Jobs and Economic and Financial Inclusion
Promoting Inclusive and Resilient Living Environments 		€ 150 000 000 A Programme loan to support the revitalisation and modernisation of public infrastructure, particularly in public transport, road maintenance and reconstruction, and healthcare services. The loan will also support productive investments by MSMEs, including the construction or expansion of business premises and the acquisition of fixed assets or equipment.
13/06/2025 JSC Microbank Crystal (Georgia) Supporting Jobs and Economic and Financial Inclusion € 8 000 000 A Programme loan to support the Borrower’s microfinance activities for job retention, preservation of income generating activities and self-employment in Georgia by facilitating access to financial resources for small businesses, microbusinesses and individuals, with limited or no access to the traditional banking system. The CEB loan will partially finance working capital and fixed investment needs, including agricultural investments of microcredit clients.
13/06/2025 Unicredit Leasing Corporation IFN S.A. (Romania) Supporting Jobs and Economic and Financial Inclusion € 150 000 000 A Programme loan to support the Borrower in supporting Romanian MSMEs to expand or maintain their operations and jobs through leasing. The CEB loan will partially finance eligible costs of productive investment projects of MSMEs, such as Paris-aligned vehicles, machinery and equipment, and office and production premise throughout the country.
13/06/2025 Government (Türkiye) Promoting Inclusive and Resilient Living Environments € 230 000 000 A Project loan to partially finance eligible investments to improve Istanbul’s preparedness for a potential earthquake through enhancing the institutional and technical capacity for disaster management and emergency response, strengthening critical public facilities for earthquake resistance, and supporting measures for better enforcement of building codes and land use plans. This loan will specifically finance eligible investments for the reconstruction of two critical public hospitals.
13/06/2025 Fundació Privada de l’Hospital de la Santa Creu i Sant Pau (Spain) Investing in People and Enhancing Human Capital € 15 000 000 A Programme loan to support the Borrower in addressing the needs of healthcare professionals and enhancing both internal and external training opportunities. The CEB loan will partially finance eligible investments related to the rehabilitation and equipment of two existing facilities in Sant Pau’s hospital complex: the old kitchens and the convent, both UNESCO World Heritage sites. The new facilities will be used for healthcare services training activities and insertion programmes.
13/06/2025 Government (North Macedonia) Investing in People and Enhancing Human Capital € 20 000 000 An additional project loan request, increasing the total loan amount to €50 million, to support the Borrower in enhancing physical education across the country by constructing physical education facilities in 30 additional primary schools and by refurbishing and improving energy efficiency in selected schools throughout North Macedonia.
13/06/2025 Government (Poland) Investing in People and Enhancing Human Capital € 175 000 000 An additional Public sector Financing Facility (PFF) request, increasing the total amount of the loan to € 740 million to assist the Borrower in its efforts to mitigate the negative effects of the Russia’s war of aggression against Ukraine and to support the long-term needs of refugees and their host communities. The present additional loan request will cover the budgetary contribution to the Aid Fund in 2025.
13/06/2025 NRW. Bank (Germany) Promoting Inclusive and Resilient Living Environments € 125 000 000 An additional Programme loan request, increasing the total amount of the loan to € 325 million to partially finance the acquisition, construction and modernisation of additional accommodation for refugees in the framework of the Refugee Accommodation Programme.
05/04/2025 FED Invest SCA (Albania) Supporting Jobs and Economic and Financial Inclusion € 10 000 000 A Programme loan to support job creation and to enhance social cohesion in Albania by facilitating access to financial resources for microbusinesses and individuals, with limited or no access to the traditional banking system. The CEB loan will partially finance the Borrower’s microfinance activities, with a focus on rural areas.
05/04/2025 Government (Kosovo) Investing in People and Enhancing Human Capital € 20 500 000 A Project loan to support the Borrower to improve the quality and access to secondary and tertiary health care services for vulnerable low-income households, and to reduce financial barriers to modern essential medical care across the country. The CEB loan will partially finance eligible investments related to the purchase of modern medical diagnostic and treatment equipment, as well as related infrastructure adaptation and implementation costs for six public hospitals in Gjakova, Gjilan, Mitrovica, Peja, Pristina and Prizren.
05/04/2025 Kaunas City Municipality (Lithuania) Promoting Inclusive and Resilient Living Environments € 50 000 000 A Public sector Financing Facility (PFF) to assist the Borrower in enhancing the quality of life of Kaunas residents by co-financing investments in sustainable development of territories and living environments, education and sports services, as well as culture and tourism.
05/04/2025 Government (Republic of Moldova) Investing in People and Enhancing Human Capital € 30 000 000 A Public sector Financing Facility (PFF) to support the Borrower in expanding its Model School investments to provide quality education for students across the country. The PFF will partially finance eligible investments for modernisation of up to 15 schools according to the Model School reform concept, with ten schools located in rural towns and villages, and five in the capital city Chișinău.
05/04/2025 MFI Alter Modus D.O.O (Montenegro) Supporting Jobs and Economic and Financial Inclusion € 10 000 000 A Programme loan to co-finance the borrower’s loan portfolio aimed at supporting entrepreneurs and micro-enterprises in Montenegro by reaching underbanked segments of the population who lack collateral and/or sufficient formal income stream. The CEB loan will partially finance a loan product designed to assist micro and small enterprises and entrepreneurs in acquiring fixed assets, working capital and meeting other business needs.
05/04/2025 Government (Montenegro) Investing in People and Enhancing Human Capital € 83 000 000 A Project loan to support financing priority infrastructure projects and equipment needs of the country’s health sector at various levels of care and enhancing healthcare facilities to provide accessible and high-quality services for the inhabitants. The CEB loan will partially finance the construction of a new general hospital in Pljevlija, the City Kvart Health Centre and Hematology Clinic in Podgorica and investments in modern medical equipment that will benefit over 30 public healthcare institutions.
05/04/2025 Government (Poland) Promoting Inclusive and Resilient Living Environments € 200 000 000 A Public sector Financing Facility (PFF) loan to assist the Borrower in delivering relief measures to individuals impacted by floods, to provide decent living conditions to the victims and to ensure that affected populations can rebuild without falling into long-term economic distress. The CEB loan will partially finance the various allowances and benefits to individuals affected by the floods, in particular to families with damaged dwellings as well as vulnerable populations, such as the persons with disabilities.
05/04/2025 Žilina Self-Governing Region (Slovak Republic) Promoting Inclusive and Resilient Living Environments € 30 000 000 A Public sector Financing Facility (PFF) to provide long-term financing for regional investments under the Žilina Self-Governing Region budget and co-financing of EU Funds to cover investments in healthcare, social care, education, regional mobility, culture, and public administration. The CEB loan will partially finance eligible investments in reconstruction of buildings and facilities in social care centres; reconstruction and improvements of educational and cultural facilities; and repair and maintenance of local roads, bridges and related facilities.
05/04/2025 Slovene Export and Development Bank (SID Banka) (Slovenia) Promoting Inclusive and Resilient Living Environments € 50 000 000 A Programme loan to support the co-financing of municipal investments across Slovenia, through an on-lending instrument, addressing critical infrastructure and social housing challenges and fostering sustainable development. The CEB loan will part finance the measures to improve access to, and the quality of, municipal infrastructure and equitable access to decent housing across the country by increasing subnational access to long-term finance on competitive terms.
05/04/2025 Intesa Sanpaolo S.p.A. (Italy) Promoting Inclusive and Resilient Living Environments € 250 000 000 A Programme loan to help social economy entities finance capital investments in sectors including healthcare, education, social services and sport, strengthening social inclusion, economic resilience and sustainable development in the country through social services enhancement, community development, and resilience and economic stability.
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