Navigation path

European Investment Bank

The European Investment Bank is owned by the 28 EU countries. It borrows money on the capital markets and lends it at a low interest rate to projects that improve infrastructure, energy supply or environmental standards both inside the EU and in neighbouring or developing countries.


The European Investment Bank supports projects in the EU countries, and invests in future member and partner countries.

It borrows money on the capital markets rather than drawing on the EU budget. The money is lent on favourable terms to projects in line with EU policy objectives.

In 2008, the EIB raised nearly €60 bn. The EIB works on a non-profit basis and lends at a rate close to the cost of borrowing.


  • Loans: granted to viable capital spending programmes or projects in both the public and private sectors. Recipients range from large corporations to municipalities and small businesses.
  • Technical assistance: provided by a team of expert economists, engineers and specialists to complement EIB financing facilities.
  • Guarantees: available to a wide range of bodies, e.g. banks, leasing companies, guarantee institutions, mutual guarantee funds, special purpose vehicles and others.
  • Venture capital: requests for venture capital should be addressed directly to an intermediary.

Lending within the EU

About 90% of loans go to programmes and projects within the EU.

The EIB has 6 priority objectives for lending, set out in the Bank’s business plan:

Outside the EU

The European Investment Bank supports EU development and cooperation policies in partner countries.

Current policy mandates include:

Structure and organisation

  • Shareholders – 28 EU countries
  • Governance – working dynamics and responsibilities of the Board of Governors, Board of Directors, Audit Committee and Management Committee
  • Control and evaluation – ensuring the integrity and soundness of the Bank’s operations
  • Organisation – departments and staff members