EBRD and EU to boost competitiveness of small and medium-sized enterprises in North Macedonia EBRD and EU to boost competitiveness of small and medium-sized enterprises in North Macedonia Share this page: €4 million EBRD loan to Ohridska Banka for on-lending to local businesses to help them reach EU standards Cashback incentives of up to 15 per cent of the loan amount, funded by the EU Collaboration to build a more competitive SME sector in North Macedonia Small and medium-sized enterprises (SMEs) in North Macedonia will be able to access €4 million to help them become more competitive, thanks to a new EBRD loan extended to Ohridska Banka.