Zagrebacka banka SME Credit line



Project number:


Business sector:

Financial institutions

Notice type:


Environmental category:


Approval date:

25 Jun 2013



PSD disclosed:

23 May 2013

Translated version of this PSD: Croatian

Project Description

The EBRD is considering providing a EUR 40 million senior loan to Zagrebacka Banka d.d. Zagreb in Croatia for on-lending to small and medium-sized enterprises (SMEs) and corporate clients.

Transition Impact

The EBRD’s financing will support the largest banking group in Croatia in enhancing access to financing for SME and corporate clients. The EBRD’s facility will in particular be channeled to the real economy via long-term investment loans, to respond to operational challenges faced by private companies and help them enhance their competitiveness in the advent of Croatia’s accession to the European Union in July 2013.

The Client

Zagrebacka banka dd is the largest financial services group based in Croatia providing a full range of retail and corporate banking services for its customers. As of end-2012, Zagrebacka Banka had total assets of EUR 13.8 billion and equity of EUR 2.1 billion.

UniCredit Bank Austria AG (“UCBA”), part of the UniCredit Group, owns 84.47% of Zagrebacka Banka.

EBRD Finance

EUR 40.0 million.

Project Cost

A total of EUR 40.0 million.

Environmental Impact

Zagrebacka Banka will be required to comply with EBRD’s Environmental Performance Requirements (“PRs”) 2 and 9, adhere to the EBRD's Environmental and Social Exclusion and Referral Lists, and submit annual environmental and social reports to the Bank. Borrowers under the facility will be required to comply with applicable national environmental, health and safety and labour requirements.

Technical Cooperation


Company Contact

Mr Nino-Nikolic Malora
Director, Commercial Strategy and Financing Products
Corporate and Private banking
Zagrebacka banka d.d.
Savska 60, 10 000 Zagreb, Croatia

Tel: +385 1 6305 061
Fax: +385 1 6305 004


Business opportunities

For business opportunities or procurement, contact the client company.

For state-sector projects, visit EBRD Procurement: Tel: +44 20 7338 6794

General enquiries

EBRD project enquiries not related to procurement:
Tel: +44 20 7338 7168

Public Information Policy (PIP)

The PIP sets out how the EBRD discloses information and consults with its stakeholders so as to promote better awareness and understanding of its strategies, policies and operations. Please visit the Public Information Policy page below to find out how to request a Public Sector Board Report.
Text of the PIP

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