EIB Group and Santander Partner in €569.5 Million Securitisation to Boost Green Construction and SME Competitiveness in Spain

EIB Group and Santander Partner in €569.5 Million Securitisation to Boost Green Construction and SME Competitiveness in Spain

(IN BRIEF) The EIB Group, comprising the European Investment Bank and the European Investment Fund, has signed a €569.5 million securitisation deal with Santander to support Spanish SMEs and mid-caps. The transaction will unlock approximately €1.08 billion in financing, including €200 million for near-zero emission building construction and €70 million for women-led enterprises. The EIB contributes €309.5 million and the EIF €260 million, part of which involves a bilateral guarantee with ING. The operation supports the EIB Group’s strategic priorities in strengthening EU capital markets, promoting green investment, and advancing gender equality, while reinforcing Santander’s commitment to sustainable economic development in Spain.

(PRESS RELEASE) LUXEMBOURG, 31-Oct-2025 — /EuropaWire/ — The European Investment Bank (EIB) and the European Investment Fund (EIF) — together forming the EIB Group — have signed a new €569.5 million securitisation agreement with Santander to enhance the competitiveness and sustainability of Spanish small and medium-sized enterprises (SMEs) and mid-caps. This investment will mobilise approximately €1.08 billion in financing to advance Spain’s green transition and business innovation.

A key component of the operation includes €200 million dedicated to supporting SMEs and mid-caps in the real estate sector for the construction of near-zero emission buildings, reinforcing the EU’s commitment to energy-efficient infrastructure and environmental sustainability. Additionally, €70 million will be directed toward companies with women-led ownership or management, fostering gender equality and inclusive growth in the Spanish economy.

Under the terms of the transaction, the EIB will contribute €309.5 million, while the EIF will invest €260 million, including €200 million through a bilateral guarantee arrangement with ING. The EIB Group’s participation, alongside private investors, underscores its commitment to deploying innovative financial instruments that unlock capital for green and social initiatives.

This operation highlights the EIB Group’s strategic role in expanding access to finance through securitisation, reducing institutional risk exposure, and advancing the EU Capital Markets Union. By channeling funds into sustainable projects and inclusive business development, the initiative contributes directly to the EIB Group’s broader goals of climate action, environmental sustainability, and social cohesion.

The collaboration with Santander reinforces both institutions’ shared objective of accelerating Spain’s green transition while strengthening the resilience and competitiveness of small businesses — a critical foundation of the country’s economy.

Background information

EIB Group

The European Investment Bank (ElB) is the long-term lending institution of the European Union, owned by its Member States. Built around eight core priorities, it finances investments that pursue EU policy objectives by bolstering climate action and the environment, digitalisation and technological innovation, security and defence, cohesion, agriculture and bioeconomy, social infrastructure, the capital markets union, and a stronger Europe in a more peaceful and prosperous world.

The EIB Group, which also includes the European Investment Fund (EIF), signed nearly €89 billion in new financing for over 900 high-impact projects in 2024, boosting Europe’s competitiveness and security.

Around half of EIB financing in the European Union goes to cohesion regions, where per capita income is below the EU average, while almost 60% of annual EIB Group investments support climate action and environmental sustainability.

In Spain, the EIB Group signed €12.3 billion of new financing for more than 100 high-impact projects in 2024, helping power the country’s green and digital transition and promote economic growth, competitiveness and better services for its people.

High-quality, up-to-date photos of EIB headquarters for media use are available here.

Santander

Banco Santander (SAN SM) is a leading commercial bank founded in 1857, headquartered in Spain. It is one of the largest banks in the world by market capitalisation. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments (PagoNxt and Cards). This allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform, providing services to individuals, small and medium-sized businesses, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. At the end of the third quarter of 2025, Banco Santander had €1.3 trillion in total customer funds, 178 million customers, 7,400 branches and 201,000 employees.

Media contact:
Maite Cordero
m.corderomunoz@eib.org
+34 606 66 82 62

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SOURCE: European Investment Bank