FIF - WB Youth in Business - Banka per Biznes (EBRD-53840)

  • Kosovo
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
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
Jul 5, 2022
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.
Banka per Biznes S.h.A.
A public entity (government or state-owned) provided with funds or financial support to manage and/or implement a project.
  • Finance
  • Industry and Trade
The service or industry focus of the investment. A project can have several sectors.
Investment Amount (USD)
$ 4.62 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 4.5
Converted using 2022-07-05 exchange rate.
Project Cost (USD)
$ 4.62 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 4.5
Converted using 2022-07-05 exchange rate.
Primary Source

Original disclosure @ EBRD website

Updated in EWS Apr 14, 2023

Disclosed by Bank Jul 5, 2022

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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 in the provision of a senior unsecured loan of up to EUR 4.5 million to be made available in three equal tranches to Banka per Biznes under the Western Balkans Youth in Business Programme.

The Loan proceeds will be used for on-lending to eligible micro, small and medium-sized enterprises whose overall operational management responsibility or majority ownership is held by a person (or persons) under the age of 35 in Kosovo in accordance with the Policy Statement.

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

The EBRD stated on its website that the Programme is supported by TC funds, provided by the government of Sweden, in the amount of EUR 3.54 million (total for the Programme), and in this case will support BpB's capacity building and also Youth MSMEs.

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.
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.

From the EBRD's website:

Banka per Biznes, Sh.A., is a Tier 2 bank in Kosovo offering a wide range of commercial banking products to all customer segments, with a main focus on micro, SME and retail. BpB, established in 2001, is the 7th largest bank in Kosovo among 11 operating in the market with a market share of 7.0% by total assets and 6.8% by net loans as of YE2021. EBRD became a shareholder of BpB in 2010 with acquisition of a 10.0% stake with the reminder of shares held by Kosovar businessmen (77.6%), Moneta Sh.p.k (7.8%) and Banka di Cividale (4.6%).

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 - Banka per Biznes S.h.A.:

Adonis Bllacaku
Phone: +383 49 904 804
Address: Rr. Ukshin Hoti, Nr. 128, Prishtine, 10000, Kosove


You can request information by emailing: or by using this electronic form:


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: or you can submit a complaint online using an online form at:

You can learn more about the PCM and how to file a complaint at:

How it works

How it works