ProCredit Bank is a development-oriented commercial bank offering excellent customer service to small and medium enterprises and private individuals, with particularly favorable conditions for investing in improving energy efficiency, renewable energy sources and other measures with a positive impact on the environment. The Bank’s expert team, based on the methodology of the IPC consulting firm from Frankfurt performs a precise analysis of the planned investment based on the market parameters of the expected effects. In this way, clients can find out more about the specific investment – the expected savings and the period for the return on investment.

The technologies that ProCredit Bank supports through loans for green financing are:

– Energy-efficient machines for manufacturing;

– Thermal insulation and joinery;

– Lighting;

– Certified energy-efficient facilities;

– Equipment for heating and cooling (boilers, heat pumps, air conditioning systems…);

– General technologies (electric motors, pumps, frequency regulators…);

– Plants using renewable energy sources (solar and biogas power plants, solar collectors, biomass boilers…);

– Electric and “plug-in” hybrid vehicles;

– Energy-efficient agricultural machinery (harvesters, tractors and other self-propelled machines);

– Solar power plants;

– Biogas and other biomass plants;

– Organic production;

– Waste management, etc.;

– Plants for the wastewater treatment;

– Non-standard technologies (specific production lines, etc.).

Eligibility criteria are defined for each category, and our Bank’s expert team conducts special analyses to find the best model that fits the specific business and needs of the client.


As the largest creditor of the economy and the population and the market leader in factoring, leasing and e-commerce services, OTP bank is strategically oriented towards the green transition through its commitment to sustainable business and ecological projects. On the way to implementing the green strategy, it has the strong support of the parent bank, OTP Group, which has signed the Principles for Responsible Banking of the United Nations for all its member banks. By signing these Principles, OTP Bank confirms its commitment to sustainable banking, contributing to the sustainability of the community and the economy.

OTP bank wants to encourage clients to be environmentally responsible by offering new green banking products that it is intensively developing, including financial, expert, and advisory support.

In March 2021, OTP Bank successfully implemented the fifth edition of Generator – Generator ZERO, a competition for projects that contribute to the reduction of the carbon footprint as one of today’s biggest challenges, and awarded the winning solution with two million dinars as well as long-term expert support in the field of business expansion and finding new development opportunities. OTP is the first bank in Serbia that is part of Mastercard Priceless Planet Coalition, whose goal is to plant 100 million trees worldwide in areas where afforestation is most needed in the next five years.

OTP bank carefully assesses its direct and indirect impacts on the environment, undertakes initiatives to prevent negative impacts and initiates and supports initiatives that have a positive impact on the overall state of the environment – it uses electricity generated exclusively from renewable sources (100 per cent ZelEPS, green EPS certificate), has a solar power plant on the roof of a building in Belgrade, procures recycled toners and papers with FSC certificate, manages waste with recycling as the primary goal, uses Building Management System to regulate lighting and temperature, and owns two electrical chargers for electric vehicles.


Crédit Agricole Serbia and the National Bank of Serbia (NBS) signed the Financial Intermediary Agreement, which regulated the implementation of the Financial Agreement signed between the European Investment Bank (EIB), the Republic of Serbia and the National Bank of Serbia on the Apex loan for financing small and medium-sized enterprises and other priorities ( in continuation of the EIB Apex line).

Who can use the EIB APEX loan?

– Small and medium-sized companies (up to 250 full-time employees) as well as mid-cap companies (from 250 to 3,000 full-time employees)

– Users of any size (so-called Priority Projects) – companies with over 3,000 full-time employees on a consolidated basis

What is the purpose of the loan?

For small and medium-sized companies, as well as for mid-cap companies:

– Purchase, expansion or renovation of tangible property (except the purchase of agricultural land)

– Investment in intangible assets (planning, financing, and development costs in the construction phase of tangible assets; costs related to research and development; establishment of distribution networks in the domestic or EU markets)

– Medium and long-term working capital needs (to ensure a stable base of working capital and maturity of at least 2 years)

For Priority Projects:

– They are economically, technically, and financially justified

– They meet EIB criteria

– Recognizable and new in terms of location and benefits they bring

– Compliant with national and EU regulations regarding procurement and execution of works


And that they deal with:

– Mitigation and adaptation to climate change

– Social and economic infrastructure, which also includes the use of RES, as well as energy-efficient projects

– Infrastructure that supports health and education

– Development of the local private sector

– Environmental protection

The project implies a set of tangible and intangible investments and expenditures that can be identified in terms of location, design and benefits, carried out by small and medium-sized enterprises and enterprises of mid-cap companies for a period of up to 3 years, that is, carried out by enterprises of any size for priority projects in for a period of up to 4 years.


Naša AIK Banka finances the construction of plants and facilities for electricity production using renewable energy sources. The purpose of the plant is to connect to the electricity distribution network to sell electricity, and following the current Law on Energy and special decrees:

– Decree on Incentive Measures for the Production of Electricity Using Renewable Energy Sources and Combined Production of Electricity and Thermal Energy;

– Decree on Conditions and Procedure for Acquiring the Status of Privileged Power Producer and Criteria for Assessing the Fulfillment of Those Conditions;

Who can apply for funding?

Newly founded companies formed to realize special purpose projects (SPC) can apply for a loan to construct a facility for producing electricity using renewable energy sources. The company’s founders can be legal entities or natural persons. The condition is that the company has acquired the right to participate in the facility’s construction following the Law on Planning and Construction. Companies with proven experience in this field can also submit a loan request in exceptional cases.

Participants in the loan realization

– Special purpose company (SPC): newly established legal entity or company/Bank’s client (Client)

– Consultant – supervisor: a person hired to perform project evaluation and construction supervision services, or a company that confirms the completed state of the building and the value of interim situations

– Bank

– The basic capital of the company-client consists of the estimated market value of the location based on the possible income approach, property, money, rights, and all documents related to the project, which are entered and registered as the founding capital of the company. The client’s participation in the project can be in the form of ownership of the plot, the right to build, invested funds in the investment-technical documentation, paid obligations to the local self-government, money, etc. and cannot be less than 30 per cent of the total value of the investment.

Project consultant-supervisor

The project consultant-supervisor is a company designated by the Bank, whose hiring costs are borne by the Client. Before the loan is approved by the Bank’s Credit Committee, the Client is obliged to submit the Report – the expert opinion of the Consultant. The Report should include the following:

– Opinion on the reviewed technical documentation and obtained permits

– Evaluation of the project implementation plan

–Technical and economic analysis.


UniCredit Bank has a credit line for energy efficiency.

Qualified investments and investments in energy efficiency related to improving the energy efficiency of buildings and the industrial sector should meet at least one of the following criteria:

– ESR (Energy savings ratio) equals to or is greater than 30 per cent in the building sector, measured on an annual basis, with the same elements

– ESR equals to or is greater than 20 per cent in all other cases, measured on an annual basis, with the same elements

– A reduction in greenhouse gas emissions, measured in equivalent tons of CO2, of 20 per cent or more, measured on an annual basis with the same elements.

– If the current minimum national criterion is lower than the criteria mentioned above, in that case, the national criteria will be applied.


Banca Intesa offers the possibility of project financing.

If you have:

– the project of renewable energy sources or project for the construction of a residential, business facility or facility for commercial or other purposes,

– relevant documentation and approvals for building construction,

– Special purpose company (SPC) or the implementation of a specific project,

– adequate own participation,

– references on the same or similar projects.

If you want to:

– secure funds to finance your project,

– financing conditions are adjusted to the specifics of your project,

– you have a reliable partner for financing the realization of your project,

– realize other benefits in doing business with the leading bank in the Serbian market and maximize your profit.


Depending on the specific purpose and creditworthiness, Addiko Bank offers its clients long-term financing that is approved for a maximum period of up to 10 years.

Green credit is used to finance investment projects in the field of energy efficiency and renewable energy sources in the following areas:

– energy efficiency in the industry

– energy efficiency of buildings and other facilities

– use of renewable energy sources

– infrastructure for waste management

– water supply

– other activities that have a positive impact on the environment or are in line with the strategic determination of the RS