Let´s make sustainable business possible Sustainable (ESG) Finance

Sustainability has no alternative, while economy and ecology are complementary. With RBA sustainable financial solutions let's create a green future together.

Customized banking products

Our products are aligned with national guidelines and activities determined by the EU taxonomy to contribute to your transition plans and help your business to have a positive impact on climate change.

Information and support

Together with you, according to your needs, we participate in the creation and selection of the best financial solutions for sustainable investments, with more favourable financing conditions.

Enhance the image of your company

Present your dedication to corporate responsibility. A sustainable way of doing business sets you apart in your industry and improves your reputation with business partners.

Why is sustainable financing important for your business?

Greener tomorrow

Sustainable or ESG (Environmental, Social and Governance) financing is the financing of your investments that have a measurable sustainable impact on the environment and society, either through green loans or issuing green bonds. With our green solutions, your projects are not just investments, but investments that turn your vision into reality and directly affect a greener tomorrow.

Solution for your green investments and projects

When you choose green financing, you're not just choosing a financial product – you're choosing a future where economic growth and environmental health go side by side.

Compliance with regulations

RBA products are transparent and compliant with the latest regulations and global trends. Through our green financing, you can focus on positive impact, contributing to the transition to a climate-neutral economy by 2050 and reducing greenhouse gas emissions by 2030.

What loans do we offer within Sustainable Finance?

Green Real Estate loan

Financing through eligible green loans to invest in environmentally friendly assets or projects. Whether it is the construction, acquisition, or renovation of energy efficient buildings in the public, commercial or industrial sector, you can reach us.

Purpose: Financing and refinancing of construction, purchase, adaptation of real estate in the public, commercial or industrial sector.
Loan maturity: Repayment period up to 10 years (depending on the investment lifetime) with the possibility of arranging a grace period, depending on the nature of the investment.
Loan amount: Loan amount up to 70% of investment (the highest loan amount depends on the specifics, purpose and investment structure, as well as the entrepreneur's creditability)

Necessary documentation:

building documentation (building permit, main project, cost sheet, energy properties of the building, energy certificate etc. depending on the project itself)
the necessary financial documentation of the company for the calculation of the possible loan
all other documentation at the bank's request

Advisory in creation of the financial transaction

with our expertise in the field of sustainability, we provide proactive support to our clients by creating a customized financial solution for your investment.

Green loans for solar power plants

If you are thinking how to reduce your electricity costs. You can do this through a loan for a photovoltaic power plant and related technology.

Purpose: investments in equipment, development, production, construction, installation, operation, distribution, and maintenance of solar power plant project
Loan maturity: Repayment period up to 10 years (depending on the investment lifetime) with the possibility of arranging a grace period, depending on the nature of the investment
Loan amount: It is determined according to the specifics, purpose, and investment structure, as well as the entrepreneur's creditability

Necessary documentation:

Main electrical project of the solar power plant, Invoice/Offer/Purchase contract with information on the manufacturer and solar panels´ model, Application for the issuance of electric power consent, Agreement on connection to the network, Agreement on the usage of the network, Agreement on the supply and purchase of the electricity, Certificate of commissioning, Building permit for non-integrated solar power plants (for SE over 10 MW).
the necessary financial documentation of the company for the calculation of the possible loan
all other documentation at the bank's request

Sustainable Project Finance

Project finance is based on realization of your project with a measurable environmental impact. Loan repayment relates to the financed assets, the expected project cash flow and the insurance value of project assets that have been invested for the ESG purposes.

Other Sustainable Investment Loans

Long-term loans with a green or social purpose that meet predefined criteria. By complying with the highest standards of sustainability, we provide customized financial solutions for investing in energy efficiency improvements in manufacturing processes, green transport, green energy, etc.

What services do we offer our clients in the Capital Market?

Sustainability-linked bonds are significantly present as a financing instrument and are experiencing strong growth in the EU, with increasing interest from issuers in Croatia as well.

Therefore, we are here for you, offering professional support and advisory services for the issuance of all types of bonds, which includes:

Private Individuals

Business Users