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Pobočky

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Wide network of branch offices

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Responsive and professional staff

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Partnering with clients

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Many years of experience in financing EU-funded projects

In order to standardize obtaining of EU funds, VÚB has signed cooperation and joint procedure agreements for the 2014-2020 Programming Period covering the following:

Research and Innovation OP

The Research and Innovation Operational Programme (OP R&I) is a joint program document of the Ministry of Education, Science, Research and Sports and the Ministry of Economy for the granting of support from European Structural and Investment Funds (ESIF) during the 2014-2020 Programming Period in the area aimed to create a stable innovation-friendly environment for all relevant entities and to promote the efficiency and performance of the system of research, development and innovations as a basic pillar for reinforcing competitiveness, sustainable economic growth and employment.

The intermediate body is the OP R&I Research Agency.

For more information, visit: www.opvai.sk

Environmental Quality OP

The Environmental Quality OP is the Slovak Republic programming document for drawing assistance from EU Structural Funds and the Cohesion Fund in the 2014-2020 Programming Period in the field of sustainable and efficient use of natural resources, environmental protection, active adaptation to climate change and promoting an energy efficient low carbon economy.

The intermediate bodies under the management authority are:

  • - Slovak Environmental Agency
  • - Slovak Innovation and Energy Agency
  • - Ministry of Interior

For more information, visit www.op-kzp.sk

Rural Development OP

The Rural Development Operational Programme has six main priorities:

  • - Fostering knowledge transfer and innovation
  • - Enhancing the viability and competitiveness of all types of agriculture and promoting innovative farm technologies and sustainable forest management
  • - Promoting food chain organization, animal welfare and risk management
  • - Restoring, preserving and enhancing ecosystems
  • - Promoting resource efficiency and climate
  • - Promoting social inclusion, poverty reduction and economic development

For more information, visit www.apa.sk

1. PRE-APPROVAL PHASE

  • CONSULTATION WHEN PREPARING A GRANT APPLICATION
    VÚB recommends you certified project drafting agencies
  • CONFIRMATION OF FUNDS/ACCOUNT BALANCE
    VÚB confirms when a client needs no credit to co-finance a project.
  • NON-BINDING LOAN COMMITMENT
    VÚB declares its readiness to co-finance the project. Non-binding loan commitment issued if conditions established for the standard credit process are met. There is an option to issue a non-binding loan commitment in the project preparatory phase.
  • BINDING LOAN COMMITMENT
    VÚB confirms its readiness to lend on pre-agreed terms.

2. APPROVAL PHASE

  • FINANCING
    VÚB provides appropriate credit to finance costs associated with the project for which a grant is requested.
  • BANK GUARANTEE
    VÚB issues a bank guarantee as a potential security instrument as a deposit for grant reimbursement
  • GRANT/REFUND ACCOUNT
    VÚB opens an account for receiving EU funds, such as grants as well as for reimbursing project-related costs in connection with specific conditions in the grant contract. The service is free of charge for funded clients.
  • CONSULTING AND MONITORING
    VÚB will consult and monitor the project throughout implementation and sustainability.

Bridge loans

Purpose:

  • Bridging the period between provision of the grant and the need to finance eligible costs when drawing down EU funds in the provision of the NFP and the need to finance the eligible costs of drawing EU funds for reimbursement

Lending amount:

  • Up to 100% of the grant

Drawdown:

  • One-time or staggered

Repayment:

  • From the incoming grant (one-time or staggered)

Grant contract and VÚB’s maintenance of the grant account

  • Conditional on drawing down credit (unless there are other contractually stipulated terms)

Investment lending

Purpose:

  • Financing eligible costs beyond the applicant's own resources and the grant

Lending amount:

  • Up to 100% of the project’s eligible costs (co-financing) and, where applicable, beyond the project's eligible costs (supplementary financing)

Drawdown:

  • One-time or staggered

Repayment:

  • From the client’s own resources in contractually stipulated installments

Grant contract and VÚB’s maintenance of the grant account

  • Conditional on drawing down credit (unless there are other contractually stipulated terms)