The EBRD Program is a Framework Program aimed at facilitating access to finance for private companies in Ukraine, supported by the EBRD's Special Crisis Response Fund, which covers the Lender's first loss risk up to the maximum EBRD risk participation.

Program Includes:

• Simplified financing mechanisms for private corporate companies in Ukraine under the guarantee of the EUROPEAN BANK FOR RECONSTRUCTION AND DEVELOPMENT to ensure business sustainability and livelihoods in Eastern Partnership countries.
• Provision of investment incentives (grants) from the EU for small and medium enterprises in Eastern Partnership countries investing in technologies that meet the highest standards in product quality, health and safety, environmental protection, and utilize "green" technologies.

Risk Sharing Agreement Without Prior Financing
The agreement between Raiffeisen Bank and EBRD includes financing under the following programs with EU participation:

• EBRD Resilience and Livelihoods Program ("RLP" or "Resilience Program"), aimed at simplifying access to finance for private corporate companies in Ukraine. This program involves risk-sharing between the Bank and EBRD for new and existing credit limits without cashback options.
• Competitiveness and Inclusiveness Program for SMEs in Eastern Partnership Countries ("CIP SME EP" or "Green Program"), aimed at supporting sustainable investments in technologies that meet the highest standards in product quality, safety, environmental protection, and promote the use of green technologies, enhancing the competitiveness of micro, small, and medium enterprises. This program involves risk-sharing between the Bank and EBRD for new credit limits to finance "green" technologies with the possibility of receiving cashback grants from the EU.

Coverage by EBRD Program Under Risk Sharing Agreement
50% of each financing limit amount.

Credit funds are provided for:

• Financing current activities, investments in tangible/intangible assets, financing other legal purposes within the Client's business activities.

Advantages for Our Clients:

• Opportunity to receive short-term financing limits for current activities (12 to 60 months) and long-term investment loans (up to 5 years).
• Access to all financing mechanisms: term loans, guarantees, letters of credit, bills, etc. (except overdrafts).
• Opportunity to receive cashback grants from the EU for investment loans meeting specific criteria, subject to available limits within the Program.

Client Requirements:

• The client possesses sufficient solvency and creditworthiness.
• The client is a private corporate company whose controlling stake is not owned by the Ukrainian government or local authority.
• The client does not operate in prohibited industries according to Program conditions and Raiffeisen Bank requirements (e.g., alcohol, tobacco, gaming, etc.).
• The client is not registered/continuing operations in non-controlled (including temporarily occupied by Russia) territories and is not located in active combat zones.
• The client's business (Borrower or Related parties) has been existing for at least 3 years at the time of inclusion in the EBRD program.

For additional information regarding obtaining a loan under the EBRD-supported lending program for corporate, medium, and small business clients, please contact the credit departments of Raiffeisen Bank's Central Office, regional directorates, and bank branches.