Early Warning System

Regions

Europe and Central Asia

Geographic location where the impacts of the investment may be experienced.

Countries

Bosnia and Herzegovina

Geographic location where the impacts of the investment may be experienced.

Financial Institutions

European Bank for Reconstruction and Development (EBRD)

International, regional and national development finance institutions. Many of these banks have a public interest mission, such as poverty reduction.

Project Status

Approved

Stage of the project cycle. Stages vary by development bank and can include: pending, approval, implementation, and closed or completed.

Bank Risk Rating

Environmental and social categorization assessed by the development bank as a measure of the planned project’s environmental and social impacts. A higher risk rating may require more due diligence to limit or avoid harm to people and the environment. For example, "A" or "B" are risk categories where "A" represents the highest amount of risk. Results will include projects that specifically recorded a rating, all other projects are marked ‘U’ for "Undisclosed."

Voting Date

Aug 25, 2026

Date when project documentation and funding is reviewed by the Board for consideration and approval. Some development banks will state a "board date" or "decision date." When funding approval is obtained, the legal documents are accepted and signed, the implementation phase begins.

Borrower

Unicredit Bank d.d. Mostar

A public entity (government or state-owned) provided with funds or financial support to manage and/or implement a project.

Sectors

Agriculture and Forestry
Energy
Finance
Industry and Trade

The service or industry focus of the investment. A project can have several sectors.

Investment Type(s)

Loan

The categories of the bank investment: loan, grant, guarantee, technical assistance, advisory services, equity and fund.

Investment Amount (USD)

$ 11.67 million

Value listed on project documents at time of disclosure. If necessary, this amount is converted to USD ($) on the date of disclosure. Please review updated project documents for more information.
Currency conversion note:
Bank reported 10
Converted using 2026-08-25 exchange rate.

Loan Amount (USD)

$ 11.67 million

Project Cost (USD)

$ 11.67 million

Bank Documents

Primary Source

Original disclosure @ EBRD website

Updated in EWS Oct 16, 2026

Disclosed by Bank Aug 27, 2026

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Project Description

If provided by the financial institution, the Early Warning System Team writes a short summary describing the purported development objective of the project and project components. Review the complete project documentation for a detailed description.

As stated by the EBRD, the project consists of the provision of a senior secured loan of up to EUR10 million to be provided to UniCredit Bank d.d. (UCB) under the FIF SME Go Green Programme (SME Go Green).

The transaction will support the aim of the programme to:

(i) scale up green economy investments, including energy efficient, resource efficient and renewable energy investments;
(ii) in particular, scale up greening of agribusiness supply chains and help agribusiness companies in the region reduce their environmental impact and become more sustainable and more resilient to the risks of climate change;
(iii) increase SME competitiveness and trade potential of the private sector via targeted investments in sustainability practices and the adoption of internationally recognised quality standards;
(iv) strengthen the financial sector by supporting climate resilience and inclusiveness of the Western Balkans economies by improving financial institutions' and businesses' capacity to deploy sustainable and gender responsive green solutions as well as enhancing climate risk practices to ensure all projects under the programme are aligned with the Paris Agreement;
(v) promote more equitable access to climate and other finance for women-led SMEs in the region.

Early Warning System Project Analysis

For a project with severe or irreversible impacts to local community and natural resources, the Early Warning System Team may conduct a thorough analysis regarding its potential impacts to human and environmental rights.

The EBRD categorized the project E&S risk as 'FI'.

Investment Description

Here you can find a list of individual development financial institutions that finance the project.

European Bank for Reconstruction and Development (EBRD)

Financial Intermediary

A financial intermediary is a bank or financial institution that receives funds from a development bank. A financial intermediary then lends these funds to their clients (private actors) in the form of loans, bonds, guarantees and equity shares. Financial intermediaries include insurance, pension and equity funds. The direct financial relationship is between the development bank and the financial intermediary.

UniCredit Bank d.d. (Financial Intermediary) is owned by UniCredit S.p.A (Parent Company)

Private Actors Description

A Private Actor is a non-governmental body or entity that is the borrower or client of a development project, which can include corporations, private equity and banks. This describes the private actors and their roles in relation to the project, when private actor information is disclosed or has been further researched.

As stated by the EBRD, UCB is a universal commercial bank whose business network currently consists of 69 branches, covering all major cities and towns in FBiH and Republic of Srpska, served by 1,130 employees and 268 ATMs (of which 86 are cash deposit ATMs).

Contact Information

This section aims to support the local communities and local CSO to get to know which stakeholders are involved in a project with their roles and responsibilities. If available, there may be a complaint office for the respective bank which operates independently to receive and determine violations in policy and practice. Independent Accountability Mechanisms receive and respond to complaints. Most Independent Accountability Mechanisms offer two functions for addressing complaints: dispute resolution and compliance review.

Financial Intermediary - Unicredit Bank d.d. Mostar:

Samra Hadzic-Cavar
Email: Samra.Hadzic@unicreditgroup.ba
Phone: +387 36 356 698
Website: https://www.unicredit.ba/
Address: UniCredit Bank d.d., Kardinala Stepinca bb, 88000 Mostar, Bosnia and Herzegovina

ACCESS TO INFORMATION

You can request information by emailing: accessinfo@ebrd.com or by using this electronic form: https://www.ebrd.com/eform/information-request

ACCOUNTABILITY MECHANISM OF EBRD

The Project Complaint Mechanism (PCM) is the independent complaint mechanism and fact-finding body for people who have been or are likely to be adversely affected by an European Bank for Reconstruction and Development (EBRD)-financed project. If you submit a complaint to the PCM, it may assess compliance with EBRD's own policies and procedures to prevent harm to the environment or communities or it may assist you in resolving the problem that led to the complaint through a dialogue with those implementing the project. Additionally, the PCM has the authority to recommend a project be suspended in the event that harm is imminent.

You can contact the PCM at: pcm@ebrd.com or you can submit a complaint online using an online form at: http://www.ebrd.com/eform/pcm/complaint_form?language=en

You can learn more about the PCM and how to file a complaint at: http://www.ebrd.com/work-with-us/project-finance/project-complaint-mechanism.html