EIB Group Strengthens Green Investment Financing in Poland with Synthetic Securitisation Partnership with Santander Consumer Bank

EIB Group Strengthens Green Investment Financing in Poland with Synthetic Securitisation Partnership with Santander Consumer Bank

(IN BRIEF) The European Investment Bank, European Investment Fund, and Santander Consumer Bank have signed a synthetic securitisation agreement to unlock PLN 860 million in new financing for green investments in Poland. The initiative will support SMEs and individuals by providing access to affordable credit for projects such as electric vehicles, solar energy, and energy efficiency improvements. Backed by a PLN 429 million guarantee from the EIB Group, the agreement enables Santander Consumer Bank to expand its lending capacity while supporting EU climate and energy objectives under the REPowerEU plan. The transaction highlights the growing role of securitisation in mobilising private investment and advancing sustainable economic development.

(PRESS RELEASE) PARIS, 30-Mar-2026 — /EuropaWire/ — European Investment Bank (EIB), European Investment Fund, and Santander Consumer Bank have entered into a new synthetic securitisation agreement designed to unlock approximately PLN 860 million in additional financing for green investments in Poland. The initiative will improve access to affordable credit for small and medium-sized enterprises (SMEs) as well as individuals seeking to invest in sustainable solutions such as electric vehicles, solar panels, and energy efficiency upgrades.

The transaction supports the European Union’s REPowerEU objectives by promoting clean energy adoption while strengthening the development of Europe’s securitisation market. Under the agreement, the EIB Group provides a guarantee on an existing portfolio of consumer loans issued by Santander Consumer Bank, thereby freeing up capital that can be redeployed into new lending activities.

Through an investment of PLN 429 million, the EIB Group will enable Santander Consumer Bank to generate roughly twice that amount in new loans under favourable conditions, targeting projects that contribute to the green transition.

Marjut Falkstedt, Chief Executive of the EIF, highlighted the strategic importance of securitisation as a financial tool to mobilise resources for key European priorities, particularly those related to energy security and sustainability. She noted that the agreement represents the second green synthetic securitisation in Poland between the parties and reflects the growing importance of public-private cooperation in advancing environmental goals.

The transaction was structured by the EIF, with the EIB acting as the ultimate risk bearer. It is based on a risk-sharing mechanism in which the EIF provides protection on the mezzanine tranche of a PLN 3.9 billion consumer loan portfolio, while Santander Consumer Bank retains exposure to the senior and junior tranches. This structure enhances lending capacity while maintaining prudent risk management.

Paweł Muciek, Chief Financial Officer of Santander Consumer Bank, described the agreement as a significant milestone in the bank’s long-standing collaboration with the EIB Group. He emphasized that the initiative allows the bank to expand lending to SMEs and retail customers while supporting environmentally sustainable investments and reinforcing its commitment to responsible banking practices.

This agreement marks the fourth securitisation transaction between the parties and builds on previous collaborations, including earlier green financing initiatives in Poland and other European markets. The EIB Group has been actively expanding its role in securitisation, signing a record €6 billion in such agreements in 2025 to support investment across the real economy.

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SOURCE: European Investment Bank