The social development bank for Europe
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All CEB loans are granted in accordance with the Bank’s mandate. They 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.

Latest projects approved:

Date Borrower Line of action Amount Summary
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.
05/04/2025 Nantes Métropole (France) Promoting Inclusive and Resilient Living Environments € 150 000 000 An additional loan request, increasing the total amount of the loan to € 300 million to modernise and expand the public transport network in the Nantes metropolitan area. The CEB loan will partially finance the acquisition of new mobility equipment, the creation and development of new transport lines, the renovation of two existing lines and the adaptation and creation of new essential network infrastructure.
05/04/2025 Nuevo MicroBank S.A.U. (MicroBank) (Spain) Supporting Jobs and Economic and Financial Inclusion € 100 000 000 An additional Programme loan request, increasing the total amount of the loan to € 200 million to assist the Borrower in its efforts to support job creation and enhance social cohesion by facilitating access to financial resources for microbusinesses and individuals such as migrants and families in vulnerable situations throughout Spain, with limited or no access to the traditional banking system. In particular, the CEB loan will partially finance investments to provide access to finance through business and family microloans over the 2025-2026 period.
31/01/2025 OCN Microinvest SRL (Republic of Moldova) Supporting Jobs and Economic and Financial Inclusion € 8 000 000 This Programme loan will partially finance business and agriculture micro-loans focused on low-income clients mainly in rural areas. With an average sub-loan amount of €28 000, the CEB loan is expected to contribute to financing the investment and working capital needs of approximately 570 microenterprises and small farms. The programme also aims to contribute to the creation of 200 additional jobs throughout the country.
31/01/2025 Government (Ukraine) Promoting Inclusive and Resilient Living Environments € 50 000 000 This Programme loan will enable to finance eligible investments for covering the expenditures for preferential mortgage loans through the State Fund for Youth Housing. Granting the preferential mortgage terms will lower barriers to housing ownership for families with limited means, providing a viable alternative to temporary shelters.
31/01/2025 Société Wallonne du Crédit Social (SWCS) (Belgium) Promoting Inclusive and Resilient Living Environments € 100 000 000 Ce prêt-programme servira à financer partiellement les investissements éligibles visant à faciliter l’accès à la propriété et à permettre l’amélioration des logements et de leur efficacité énergétique par l’intermédiaire de prêts hypothécaires de SWCS en faveur de ménages à faibles revenus qui ont un accès limité au financement, voire qui n’y ont pas accès : environ 560 logements, dont 224 qui feront l’objet d’une amélioration de leur efficacité énergétique, devraient bénéficier d’un financement.
31/01/2025 City of Vantaa (Finland) Investing in People and Enhancing Human Capital € 100 000 000 This Public sector Financing Facility (PFF) will partially finance eligible investments within Vantaa’s seven districts with significant cultural diversity, in particular in the districts of Hakunila, Koivukylä and Myyrmäki, where the proportion of residents with foreign backgrounds is around 30% and above. The investments will include the construction and renovation of schools (55% of investments) and daycare facilities (45%).
31/01/2025 City of Leipzig (Stadt Leipzig) (Germany) Investing in People and Enhancing Human Capital
Promoting Inclusive and Resilient Living Environments 		€ 125 000 000 This Public sector Financing Facility (PFF) will partially finance eligible investments in education infrastructure and for accommodation of refugees and homeless persons in the years 2024 to 2028, in particular construction of ten new schools and sports facilities and modernisation of four schools as well as acquisitions and construction of new modular refugee accommodation units and conversion and modernisation of existing buildings.
31/01/2025 Government (Italy) Promoting Inclusive and Resilient Living Environments € 60 000 000 This Public sector Financing Facility (PFF) aims to support the Government’s response to the 2017 earthquake and 2022 landslide that impacted the population of the island of Ischia. The CEB loan will partially finance eligible investments in four main areas: reconstruction or relocation of damaged private buildings; reconstruction of damaged public buildings; structural interventions for hydrogeological risk mitigation measures in the municipality of Casamicciola; and structural interventions for hydrogeological risk mitigation measures in the other municipalities on the island.
31/01/2025 Institut Català de Finances (Spain) Investing in People and Enhancing Human Capital € 50 000 000 This Programme loan will partially finance on-lending to small municipalities, non-profit organisations and private entities to build and/or upgrade their social infrastructure. The Borrower also indicates that has identified approximately 90 subprojects that would benefit from the CEB loan.
31/01/2025 Generalitat Valenciana (Spain) Promoting Inclusive and Resilient Living Environments € 250 000 000 This Public sector Financing Facility (PFF) aims to assist the Borrower in delivering a swift response to individuals and businesses severely impacted by the floods, and to ensure that affected populations and enterprises can rebuild without falling into long-term economic distress. The CEB loan will partially finance the different financial support measures, such as cash transfers, approved by the Borrower to families and businesses severely affected by the floods, including those who have lost their homes and have been relocated, namely: (1) direct aid to individuals affected by the floods to alleviate the loss of basic; (2) direct aid to individuals for temporary and (3) aid to businesses and the self-employed for economic.
31/01/2025 Government (Ukraine) Promoting Inclusive and Resilient Living Environments € 100 000 000 The additional loan request will finance investments similar to those included in the first one: to finance housing certificates for beneficiaries whose residential property has been destroyed as a consequence of the Russian Federation’s aggression against Ukraine. The additional loan request is expected to support the issuance of approximately 3 000 housing certificates.
15/11/2024 University of Tartu (Estonia) Investing in People and Enhancing Human Capital € 60 000 000 This Project loan aims to support the Borrower improve its infrastructure by constructing a new academic and research building and by renovating two existing educational facilities. It concerns in particular the construction of a new facility for the Institute of Molecular and Cell Biology, the Institute of Technology, the Institute of Bioengineering, and the Institute of Pharmacy in Tartu. The project also foresees the renovation of the administrative and study building in Tartu, as well as of the University of Tartu Law School situated in Tallinn.
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