The EU's bank
The EIB is the European Union's bank. We are the only bank owned by and representing the interests of the European Union Member States. We work closely with other EU institutions to implement EU policy.
A major player
As the largest multilateral borrower and lender by volume, we provide finance and expertise for sound and sustainable investment projects which contribute to furthering EU policy objectives. More than 90% of our activity is focused on Europe but we also support the EU's external and development policies.
- Lending: The vast majority of our financing is through loans, but we also offer guarantees, microfinance, equity investment, etc.
- Blending: Our support helps us unlock financing from other sources, particularly from the EU budget. This is blended together to form the full financing package.
- Advising: Lack of finance is often only one barrier to investment. We can help with administrative and project management capacity which facilitates investment implementation.
See "Products section" for our full range of products and services.
We support projects that make a significant contribution to growth and employment in Europe. As part of our counter-cyclical approach, our activities focus on four priority areas:
- Innovation and skills
- Access to finance for smaller businesses
- Environment and climate
We raise the bulk of our lending resources on the international capital markets through bond issues. Our excellent rating allows us to borrow at advantageous rates. We thus are able to offer good terms to our clients.