Extended credit limits
Alleviation of internal limits to extend lending (e.g. due to concentration issues by sector or borrower).
Credit risk protection and possible reduction of the portfolio’s economic capital allocation.
Tenor of the guarantee linked to the maturity profile of the underlying exposure.
Funded or unfunded guarantee structures can both be considered.
Who is eligible
- Commercial banks
- National promotional banks and institutions
- Other financial institutions
What is eligible
The Bank can share risk on assets aligned with one or more EIB priorities. Those assets can be either:
- Pre-existent, where the guarantee comes with the obligation to create a new portfolio of loans at a pre-defined volume or (a de-linked structure)
- To be created during an agreed ramp-up period (usually two to three years) or until the portfolio reaches a pre-defined volume (a linked structure).
Replenishment of existing portfolio may be considered on a case-by-case basis. Reimbursement for a fixed percentage of incurred losses typically amounts to a maximum of 50%.
Find information on pricing, geographical availability and other terms. Depending on the project, it may also qualify for support under our mandates or third party resources.
- Risk-sharing guarantees (linked and de-linked)
- Supply chain (reverse factoring) guarantees
- Trade finance guarantees
A project financed by EIB typically goes through seven major stages: proposal, appraisal, approval, signature, disbursement, monitoring/reporting and repayment.