BEI
P U B L I C A T I O N S
PME
M E C A N I S M E S
FONDS
BEI
SOUS-FONDS
PUBLICATIONS
SERIES
EVENEMENTIELLES
SOUS-SERIES :
PME
DOSSIERS
PIECES
MECANISMES PRET
DATES :
1994
VERSIONS LINGUISTIQUES :
EN
PRET
1994
ENO
THE SME FACILITY
Subsidised Loans from
the European Union
for SMEs creating employment
'fc^i^'î
THE EUROPEAN COMMISSION
THE EUROPEAN INVESTMENT BANK
THE SME FACILITY
Subsidised Loans from the European Union
for SMEs creating employment
I he European Union is nnaking available ECU
AMOUNT OF LOAN AND SUBSIDY
Ì 000 million of subsidised loons for capitai invest• Subsidised loons may be for up to ECU 30 000
ment by small and medium-sized enterprises (S/V\Es)
(or the equivalent in notional currency) per job to be
creating employment. The S/\AE subsidised loan
created and will hove α maturity of at least five years.
facility forms part of tlie Union's ongoing initiative to
• Loons may exceed the amount of ECU 30 000
per job created, but the additional amount will not
stimulate econonhic growth, employment and com-
benefit from the·interest subsidy.
petitiveness. Following approval of α 2/Ó interest rate
• The interest subsidy will be of up to ECU 3 000
subsidy by the Council of Ministers in April 1994,
•per job created or 10% of the subsidised loon; this
j
the European Commission has given the European
is equivalent to α 2% interest subsidy over 5 years.
• The interest subsidy will be mode available in α
Investment Bonk |(EIB) α mandate to administer the
single payment for new jobs in place for at least 6
facility. The S/\AE facility is being implemented under
continuous months.
the ElB's global loon scheme in co-operation with
bonks and financial institutions in the Union's
CONDITIONS
/V\ember States.
• Applications for subsidised loons must be recei­
ved before 31 July 1995.
WHO CAN BENEFIT
• Jobs must be created before 31 December
1996.
• SMEs located in one of the Member States of
• Applications will be processed until the entire
the European Union carrying out capital investment
amount of the subsidised loans has been allocated.
in the industrial, agro-industrial, tourism and service
sectors (excluding retail].
• SMEs are defined.as enterprises with fewer than
WHERE AND HOW TO APPLY
500 employees, whose net fixed assets do not
exceed ECU 75 million, and with not more than α
• Requests for more detailed information, as well
third of equity owned by α company that is not an
as applications for subsidised loans from the present
SME. Priority will be given to SMEs with not more
facility, should be addressed to one of the banks or
than 250 employees.
financial institutions listed below.
BANKS MANAGING THE SME SUBSIDISED LOANS FACILITY
(Novennber 1994)*
BELGIUM
/\Aidland Bank
la, Sekeri Street
106 71 ATHENS
Mr Mardikian
Société Nationale de Crédita l'Industrie
(SNCI/N/v\KN)
Nationale Maatschappij voor Krediet απη de
Nijverheid
Avenue dß l'Astronomie, M
Sterrekundelaan M
1030 BRUXELLES
/v\r André Taymans
Tel.: 2 / 2 1 4 510
Directeur Adjoint
Fax: 2 / 2 1 8 0478
Tel.: 364 7410
Fax: 361 5340
National Investment Bank for Industrial Development
ETEBA
12-14, Amalias Street
102 36 ATHENS
Mr Pascholigos
Tel.: 329 6358
Fax: 329 6211
Société Générale
23, Ippocratous Street
106 79 ATHENS
Mr Catsaros
DENMARK
Finansieringsinstituttet for Industri og Hândvaerk A/S (FIH)
La Cours Vej 7
2000 FREDERIKSBERG
Mr Peter Fobian
Tel.: 3 8 / 3 3 1 8 88
Assistant Manager
Fox: 3 8 / 3 3 26 66
Tel.: 364 2010
Fax: 364 0047
SPAIN
Instituto de Crédito Oficial - ICO
Departamento de Mediación y Capital Riesgo
P° del Prado 4
GERMANY
Kreditanstalt für Wiederaufbau
Palmengartenstrasse 5-9
60325 FRANKFURT A M MAIN
Mr Christian Krekel
Tel.: 7431 251 2
Fax:7431 3608
28014MADRID
Tel.: 91 592 1600
Fox: 91 592 1700
Information and loons under the SME subsidised loon
facility ore available through all banks who provide ICO
facilities to SMEs.
Information and bans under the SME subsidised loan
facility are available through all German banks via the
KfW facilities to SMEs.
FRANCE
GREECE
Banque Federative du Crédit Mutuel
34, rue de Wacken
67000 STRASBOURG
Ms Mireille Tavergne
Tel.: 8814 751 3
Direction des Engagements
Fox: 8814 7510
Banque Nationale de Paris
94, Vas. Sophias and Kerasountos Str. 1,
115 28 ATHENS
Mr Kotsoulis
Tel.: 748 6700
Fox: 748 6726
Credit Bank
40, Stadiou Street
102 52 ATHENS
Mr Mastotas
Ergobank
Praxitelous 40-44
10561 ATHENS
Mr Voudouris
Tel.: 32Ó3812
Fax: 326 3826
Caisse Centrale de Crédit Coopératif
33, rue des Trois Fontanot
BP211
92002 NANTERRE Cedex
Mr Olivier de Louvigny
Tel.: 1 / 4 7 2 4 8500
Direction Générale
Fox: 1 / 4 7 2 4 8754
Tel.: 322 8846
Fax: 322 8906
Caisse Centrale des Banques Populaires
10, Avenue Winston Churchill
94677 CHARENTON LE PONT Cedex
Mr Patrice Compin
Tel.: 1/4039 3104
Fondé de Pouvoir Principal
Fox: 1 / 4 0 3 9 4035
••s.
Caisse Française de Développement
3 5 / 3 7 rue Boissy d'Anglas
75379 PARIS Cedex 08
Mr André Hue
Tel. 1 /4006 3086
Mr Romuald De Pontbriand
Tel. 1 / 4006 3655
Fox 1 /4266 0740
Caisse Nationale de Crédit Agricole
128-130 Bid. Raspali
75006 PARIS
Ms Anne-Morie Thierce
Direction des Entreprises
Tel.: 1/4323 2972
Fox: 1/4323 2583
Banca Nazionale del Lavoro (BNL)
Ufficio Direzione Retiitalia Commerciale e Marketing
Ufficio Interscambio Estero
Via V.Veneto 19
0 0 1 8 7 ROMA
Mr Giorgio Bialetti
Tel.: 0 6 / 4 7 0 2 7861
Fox: 0 6 / 4 7 0 2 7890
Banca p e r Finanziamenti a Medio e Lungo
Termine (Interbanca)
Corso Venezia 56
20121 MILANO
Mr Danilo Castri
Tel.: 02/77 311
Fax: 02/784 321
Confédération Nationale c υ Crédit Mutuel
88-90, rue Cardinet
7 5 0 1 7 PARIS
Ms Marie-Claude Rigo
Tel.: 1/4401 1134
Mr Dominique Hiscock
Tel.: 1/4401 1171
Fox: 1/4401 1229
Servizio Crediti Speciali
Crédit Mutuel de Bretagne
29808 BREST Cedex 09
Mr Jack Perrien
Directeur Général des Seivices Tel.: 9800 2321
Fax: 9828 4903
Banco Ambrosiano Veneto
Direzione Grandi Clienti Aziende e Progetti
Piazza P. Ferrari IO
20121 MILANO
Mr Maurizio Pepe
Tel.: 0 2 / 8 5 9 4 7581
Fox: 0 2 / 8 5 9 4 7487
Banco di Napoli
Servizio Credito Industriale
wo Toledo 4 0 2
80134 NAPOLI
Mr Vitale
IRELAND
ICC Bank Pie
3 2 / 3 4 Harcourt Street
DUBLIN 2
Ms Ο. Cruise
AIB Bank
Bankcentre
Ballsbridge
DUBLIN 4
Mr John Kelly
Mr Tom Branigan
Banca Popolare di Verona
Tel. 1/872 0055
Fax 1/478 0961
Tel. 1 / 6 6 0 0311
ITALY
Banca Centrale di Credito Popolare (Centrobanca)
Corso Europa 2 0
20122 MILANO
Mr Candido Bianchi
Tel.: 0 2 / 7 7 8 1 4 3 6 7
Fox: 0 2 / 7 7 8 1 4485
Cassa di Risparmio in Bologna
Direzione Generale
Via Guinzelli 17
4 0 1 2 5 BOLOGNA
Front Office Settore Sviluppo Tel.: 0 5 1 / 6 3 6 5163
Fax: 0 5 1 / 6 3 6 5156
Tel.: 045/867 5513
Tel.: 045/867 5512
Tel.: 045/867 5269
Tel.: 0 8 1 / 7 9 3 5783
Fox: 0 8 1 / 7 9 3 5667
Banco S. Geminiano e S. Prospero
viale Corossori 1 10
4 1 1 0 0 MODENA
Ufficio Finanziamenti Speciali Tel.: 0 5 9 / 5 8 8490
Tel.: 0 5 9 / 5 8 8617
Cassa di Risparmio delle Provincie Lombarde
(CARIPLO)
Servizio Mutui
Via Monte di Pietà 16
20121 MILANO
Mr Adelio Panizza
Tel.: 0 2 / 8 8 6 6 2581
Fax: 02/8866 3245-3427
Cassa di Risparmio di Parma e Piacenza
Capo Ufficio Crediti Speciali Parma
Via Mistrali 4
PARMA
'
Mr Pierluigi Pezzani
'
Tel.: 0 5 2 1 / 2 0 1 330
Fox: 0 5 2 1 / 2 0 1 359
Cassa per il Credito alle Imprese Artigiane
(Artigiancassa - through the banks that have an
agreement)
Consorzio di Credito per le Opere Pubbliche (Crediop)
Ufficio Operativo Italia
Via XX Settembre 30
00187 ROMA
Mr Carpinelli
Tel,: 0 6 / 4 7 7 1 41 52
Fax: 0 6 / 4 7 7 1 5952
Istituto per lo Sviluppo Economico dell'Italia
Meridionale (ISVEIMER)
Via A. De Gasperi 71
80133 NAPOLI
Ufficio Supporto Tecnico
Mr Ciro Cava
Tel.: 0 8 1 / 7 8 5 3520
Fox: 081 / 5 5 1 9642
Consorzio Nazionale per il Credito Agrario di
Miglioramento (Meliorconsorzio)
Viale Castro Pretorio 1 16
1-00100 ROMA
Servizio Fidi
Tel.: 0 6 / 4 9 4 1 545
Fox: 0 6 / 4 4 5 1776
Mediocredito Centrale :
Servizio Agevolazioni Interno
Via Piemonte 51
0 0 1 8 7 ROMA
Credito Romagnolo
Direzione Generale
Ufficio Mediotermine e Parabancario
Via Zamboni 20
Information and loans under the SME subsidised loan
facilit/ ore available through other Italian Banks utilizing
the ElB's global loons to Mediocredito Centrale.
40126 BOLOGNA
Tel.:051/640 8283
Fax: 051/640 8345
Ente Finanziario Interbancario (Efibanca)
Via Po 2 8 / 3 2
00198 ROMA
Ufficio Assistenza Crediti Europei
e Agevolati
Mr R. Zoppellari
Tel. : 0 6 / 8 5 9 9679
Fox: 0 6 / 8 5 9 9628
Federbanca - Gruppo CRT
Ufficio Istruttorie
Corso Montevecchio 39
10129 TORINO
Mr Valerio Vivani
Fonspa
Via Cristoforo Colombo 9 0
0 0 1 4 7 ROMA
Mr Luciano Fabi
Tel.: 01 1/564 8154
Fax; 011/561 2210
Mediocredito di Roma
Ufficio Marketing e Sviluppo
Via Delle Muratte 78
0 0 1 6 7 ROMA
Mr Del Monaco
Mediocredito Lombardo
Mr Roberto Capretti
Tel.: 06/4791 350
Fax: 06/4791557
Tel.: 06/67 621
Fax: 06/676 2227
Tel:: 02/8870 5692
Mediocredito Toscano (Gruppo MontePaschi)
Viale G. Mazzini 4ó
50132 FIRENZE
Mr Giampiero Meschino
Tel.: 0 5 5 / 2 4 8 3416
Fox: 0 5 5 / 2 3 4 5018
LUXEMBOURG
Tel.: 0 6 / 5 7 9 6386
Fox: 0 6 / 5 7 4 7799
Istituto Bancario San Paolo di Torino
Piazza San Carlo 156
10121 TORINO
Servizio Crediti Speciali
Tel.: 01 1/555 21 35
Société Nationale de Crédit et d'Investissement
(SNCI)
7, rue du Saint Esprit
1475 LUXEMBOURG
Mr Lucien Bechthold
Tel.: 4619 71 28
Fax: 4619 79
NETHERLANDS
Istituto di Credito Fondiario delle Venezie
(Venefondiario)
Area Commerciale
Via A. Forti 3/A
37121 VERONA
Mr Mario Cosorotti
Tel.: 0 4 5 / 8 6 7 8770
ABN-AMRO Bank N.V.
Postbus 283
1000 EA AMSTERDAM
MrS. A. Blok
Istituto Mobiliare Italiano (IMI)
Segreteria Organismi Comunitari
Viale dell'Arte 25
00144 ROMA
Mr Paolo Pulitano
Tel.: 0 6 / 5 9 5 9 3858
Fax:06/5959 3640
De Nationale Investeringsbonk N.V.
Postbus 380
2501 BH DEN HAAG
MrJ. F. Snik
Tel.: 70-342 5282
Ραχ:7σ365 1071
Tel.:20-629 3980
Fox: 20^529 5324
ING Bonk N.V.
De Amsterdaamse Poort
Amsterdam-Zuidoost
Postbus 1800
1000 BV AMSTERDAM
Mr R. H. M. Rühl
lAPMEI - Instituto de Apoio às Pequenas e Médias
Empresas e αο Investimento
Rua Rodrigo do Fonseca 73
1297 LISBOA CODEX
Tel. 386 2935
Mr José Furtado
Mr Amadeu Boleixa
Tel. 386 4333
Fax 3 8 6 3 1 6 1
Tel.: 20-563 5083
Fox: 20-563 5853
PORTUGAL
UNITED K I N G D O M
Banco de Fomento e Exterior S.A (BFE)
Av. Casai Ribeiro 57-59
1000 LISBOA ,
Ms Goretti Macedo
Tel. 356 1071
Tel. 356 2021
Barclays Bank PLC
P.O. Box 256
Fleetway House
7th Floor
25 Farringdon Street
LONDON EC4A 4LP
Mr Martin Moron, or
Mr Adrian Block
European Loons Unit
Fax 353 4925
Banco Espirilo Santo e Comercial de Lisboa (BESCL)
Avenida da Liberdade 195
1200 LISBOA .
Mr Licinio Colado
Tel.: 315 8331
Fox: 529 759
Tel.:071-832 3084
or 832 3085
Fox: 071-832 3086
Barclays Mercantile Business Finance Limited
Churchill Plaza
Churchill Way
Basingstoke
HAMPSHIRE RG21 ÌGL
Ms Wendy Horstman or
Ms Karen Newsome
Tel.:0256-791 867 or
Business Development Unit
791 173
Fax:0256-57 107
Banco Portugués de Investimento S.A. (BRI)
Largo Jean Monnet 1, 4° 5° ou 9°
1200 LISBOA
'
Mr Rui Castro Mendes
Tel. : 310 1000
Fox: 353 5694
Banco Portugués do Atlàntico S.A. (BPA)
Rua do Ouro 110'
1100 LISBOA
Mr André Pinto Bessa
Tel.:346 1 321
Mr Antonio de Almeida
Tel.: 346 6341
Fax:347 5 3 1 5 /
342 1 3 0 7 / 3 4 2 3294
RoyScot Trust pic
RoyScot House
The Promenade
Cheltenham
GLOUCESTERSHIRE GL50 IPL
Mr John Evans
Sales and Marketing Director, or
Mr Tom Gardner
Manager, Asset Finance
Tel. 0242-224 455
Fax:0242-221 194
Caixa Geral de Depósitos S.A. (CGD)
Av. Joào XXI, 63
1000 LISBOA
Ms Mario José Constâncio
Tel. : 790 5000
Mr Peres Brandôo '
Fax:790 5086
CISF Banco de Investimento S.A.
Av. José Malhoa,
Lote 1686
1000 LISBOA
Mr Luis Guimaröes
Tel.: 727 1111
Fax: 727 0877
The Royal Bank of Scotland pic
P.O. Box 31
42 St Andrevy Square
EDINBURGH EH2 2YE
Mr Mike Rabone
Assistant Manager, Loan Schemes
Branch Banking Division
Commercial Banking Services Tel.: 031-523 2091 >
556 8555
Fax:031-557 6565
Deutsche Bank de Investimento S.A.
(DBI)
Av. da Liberdade, 144-6°
1200 LISBOA
Ms Isabel Cruz
'
Tel.: 346 8471
Mr Joâo Azevedo Coutinho
Tel.: 346 8805
Fax: 346 8413
\ This list may be enlarged.
Λ
For information you m o / also contact
Euro Info Centres: more than 200 Euro Info Centres from the Member States of the European Union and from the
European Economic Area provide information, advice and services to small and medium-sized enterprises.
European Investment Bank
Telephone
Fax
Responsible
4379-3249
4379-3289
Mr O. Arango
4719-
487 34 38
Mr B. Lago
3220 773
3220 774
3220 775
3220 776
Ms R. Yarmenitou
347 04 87
Ms T. Salreta
Luxembourg
100, BD Konrad Adenauer
L-2950 Luxembourg
Rome
Via Sardegna, 38
1-00187 Rome
Athens
Amolios, 1 2
GR-1055 7 Athènes
Lisbon
Avenida da Liberdade, 144-156, 8°
P-1 200 Lisbon
342 89 89
342 88 48
London
68, Pall Mall
London SW1Y 5ES
071-839 3351
071-930 9929
Ms S. Vittorini or Ms C. Bex
Madrid
Colle José Ortega y Gasset, 29
E-28006 Madrid
431 13 40
431 13 83
Ms M. McMohon
Brussels
Rue de Ια Loi 227
B-1040 Bruxelles
230 98 9 0
230 58 27
Mr M. Schublin
Published 11/1994
M E I N B A C H - D E S I G N 9 4
Pholo: Pierre Fabre - Printed in Luxembourg
ο
•ό
ζ
ΕΙΒ GLOBAL LOANS FOR SMEs
Since the end of the 19ó0s, the EIB has offered απ
indirect financing facility geared to supporting the
activities of smaller businesses in the. European
Union: global loans to banks and financial institu­
tions. These are akin to medium or long-term (5 to
1 2 years) credit lines which the intermediaries draw
on to fund small and medium-scale ventures in kee­
ping with criteria laid down by the EIB.
Global loans ore deployed through efficient part­
nerships between the ΈΙΒ and currently some 1 30
banks throughout the European Union with broodlybosed branch networks van/ much in touch with the
real needs of smaller businesses, Before the EIB
mokes funds available under each credit line, it
checks that the intermediar/ has respected the geo­
graphical, sectoral, financial and business size
criteria specified in the contract. The EIB moni­
tors implementation of ventures, sometimes through
on-site visits by Bank staff.
Between 1989 and 1993, α total of 3Ó 000
S/V\Es attracted ECU 9.Ó billion through EIB global
Loans. Almost two thirds of ventures were locatedin
assisted areas and were promoted largely by firms
employing less than 50 persons. More than half of
the ventures involved small industrial units, while
the remainder centred on services, energy conservation and protecting the industrial environment.
ISBN
TE-fl2b-iElb-7
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