Loans of credit lines

Credit line for green transition, agribusiness and agribusiness supply chain as well as woman-led companies. Intended to help micro, small and medium-sized enterprises in adopting green technologies and sustainable practices and improving competitiveness and compliance with EU technical standards and other internationally recognized standards, especially in the field of environmental protection, occupational safety and product quality and safety.

Incentive for investments: 15% loan/investment cost for investing in renewable energy projects, agribusiness and supply chain and 10% for other investments.

Credit line for reducing energy consumption and CO2 emissions by at least 20%, renewable energy projects. Support for green investments by micro, small and medium enterprises, and local self-governments to improve their energy efficiency, as well as smaller renewable energy projects.

Cash back -grant: 15% of loan/investment cost.  

Loans and Grants are part of a development project of Bosnia and Herzegovina, co-financed by the Federal Republic of Germany through KfW.

Credit line for women, youth and inclusion, with the possibility of cash back up to 14% depending on the achievement of the set goals to promote gender equality, youth inclusion and social inclusion. It is a line for promoting the social component of sustainable business, and Intesa Sanpaolo Banka dd Bosnia and Herzegovina is the only bank on the market that promotes this line.

The Western Balkans Youth in Business Programme support by European Union to promote youth entrepreneurship in Albania, Bosnia and Herzegovina, Kosovo, the Republic of North Macedonia, Montenegro, and the Republic of Serbia ("Western Balkans") and, more broadly, youth's participation in the economy, by helping micro, small and medium-sized enterprises led or owned by young people under the age of 35 to access finance, know-how and non-financial business development services.

The Programme is supported with funding provided by Sweden, Italy via Central European Initiative, the EBRD Small Business Impact Fund, the European Union via EFSD+ and the EBRD Shareholder Special Fund.

Credit line to promote women entrepreneurship and, more broadly, women's participation in business, by helping women-led small and medium-sized enterprises to access finance, know-how and non-financial business development services. The Programme is supported by European union.

Finance offered under the “WB EDIF Guarantee4SME Resilience” - the Western Balkans Enterprise Development and Innovation Facility project developed by the EIF with the EIB and EBRD. The finance provided has been made possible through the support of the European Union under the WB EDIF Economic Recovery Guarantee - to be used in the relevant Western Balkan country.

Clients will benefit in the form of less required collateral compared to what the Bank would require if the loan was not covered by the Guarantee, and more favorable financing terms (minimum 3 years for working capital and minimum 5 years for investment loans). T

he key eligibility criteria: micro, small or medium-sized enterprise with less than 250 employees, annual turnover up to EUR 50 million, assets up to EUR 43 million; financing for vehicle repair, fuel sales, transport and storage is not acceptable, a detailed list of restricted sectors and other conditions can be checked with the Customer Relationship Manager.

The application procedure: standard loan peocedure – you can contact Relationship manager for further details.

Loans for exporters, large companies, micro, small and medium-sized companies, craftsmen and other independent economic activities, agriculture and the food industry with the guarantee of the FBiH Government Fund.

Financing of current liquidity and trades, and financing of fixed assets, all with the aim of providing support for the initiation of new business activities, growth and development of existing ones, increased competitiveness, innovation and employment.