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SMEs

SME economy drives employment and innovation while facing financing and structural pressures

Small and medium-sized enterprises form the backbone of Serbia’s economy, shaping employment, innovation, and regional development. Their role is both extensive and deeply embedded,...

A two-speed economy emerges as capital concentrates around large platforms while SMEs face structural constraints

Serbia’s economic expansion is increasingly characterised by divergence rather than uniform growth. While headline indicators suggest stability and moderate expansion, a closer examination reveals...

Serbia’s investment cycle strengthens as banking capital and SME financing expand

Serbia’s financial sector is entering a new phase of expansion driven by development-bank financing, international investment institutions and increasing lending to domestic enterprises. Over...

New financial instruments and credit lines reshape SME financing in Serbia’s banking sector

The Serbian banking sector is undergoing gradual transformation as international financial institutions expand lending programs aimed at stimulating private-sector growth. Development banks and commercial...

Financing Serbia’s SME sector as development banks and commercial lenders expand a €170 million credit pipeline

Access to finance remains one of the most important structural determinants of industrial expansion and private-sector productivity in Serbia. Over the past several years,...

The price of transparency: How Serbia’s 2025 beneficial ownership and corporate governance reforms reshape business risk and compliance costs

The regulatory changes introduced in Serbia during 2025 marked a structural shift in how ownership, control, and corporate accountability are defined, documented, and enforced...

Bridging the finance gap: Why Serbia’s SMEs still need capital market and banking solutions

If Serbia’s large corporations and foreign investors increasingly navigate the financial system with confidence, one segment remains structurally constrained: small and medium-sized enterprises. The...

Minimum wage increase sparks concern among SMEs over margins, layoffs and pricing

The announcement of a forthcoming minimum wage increase has reignited debate over labour-cost sustainability in Serbia’s SME-dominated economy. While higher wages are politically and...

Banca Intesa successfully completes second unsecured mini-bond issue in Serbia

Banca Intesa, part of the Intesa Sanpaolo group, has successfully arranged and sponsored the second unsecured mini-bond issuance on the Serbian market. Zlatiborac raised...

Serbian Chamber of Commerce project advances to finals of prestigious World Chamber competition

The Serbian Chamber of Commerce’s Center for Digital Transformation (CDT) project supporting SMEs in Digital and AI transformation has reached the finals of the...

NLB Komercijalna banka and EBRD launch €10 million Go Digital credit line to support SME modernization

NLB Komercijalna banka continues its successful partnership with the European Bank for Reconstruction and Development (EBRD) by launching a new credit line of up...

Banca Intesa launches Serbia’s first unsecured mini-bond to boost SME growth

Banca Intesa, a member of the international Intesa Sanpaolo banking group, has successfully completed Serbia’s first unsecured mini-bond issuance, further solidifying its leadership in...

Serbia introduces new Horizontal State Aid regulation to support SMEs, innovation and sustainable growth

The Serbian Government has published a Draft Regulation on the Conditions and Criteria for Harmonization of Horizontal State Aid, focusing on support for micro,...

Erste Bank and EBRD launch €5 million loan to boost digital transformation of Serbian SMEs

Erste Bank Serbia and the European Bank for Reconstruction and Development (EBRD) have signed a new loan agreement to support the digital transformation and...
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