The European Investment Bank (EIB) Group, together with the European Investment Fund (EIF) and Santander Consumer Bank (SCB), has launched a major financing initiative aimed at accelerating green investments in Poland. Through this collaboration, a total of PLN 860 million will be made available to small and medium-sized enterprises (SMEs) and individuals, enabling them to invest in environmentally sustainable solutions such as electric vehicles, solar energy systems, and energy efficiency improvements. This initiative aligns with the European Union’s broader REPowerEU plan, which focuses on advancing clean energy adoption and strengthening energy security across the region.
The funding is facilitated through a synthetic securitisation structure, a financial mechanism designed to share risk and unlock additional lending capacity. Under this arrangement, the EIB Group guarantees a portion of Santander Consumer Bank’s existing loan portfolio, thereby freeing up capital for new lending. With an investment of PLN 429 million from the EIB Group, the initiative is expected to generate double the amount in new, affordable credit dedicated to green projects, significantly expanding access to financing for both businesses and households.
This partnership highlights the growing importance of innovative financial instruments in supporting the green transition. By reducing risk for financial institutions, securitisation enables banks to increase lending while maintaining stability. The transaction has been structured by the EIF, with the EIB acting as the ultimate risk bearer, ensuring that Polish consumers and businesses benefit from improved access to financing that supports key EU energy and climate objectives.
The agreement also reflects a long-standing collaboration between the EIB Group and Santander Consumer Bank, marking their fourth securitisation transaction together. It builds on previous initiatives in Poland, including earlier green financing efforts and programs supporting female entrepreneurship. The partnership demonstrates how public and private institutions can work together effectively to channel capital into sustainable economic activities and strengthen the real economy.
More broadly, the EIB Group continues to play a central role in developing Europe’s securitisation market and mobilising investment for high-impact sectors. By leveraging such financial tools, the institution not only supports environmental sustainability but also enhances access to credit, fosters innovation, and contributes to long-term economic resilience across the European Union.
