Social inclusion through supporting financial confidence
Country-based activities
In Moldova, Iute expanded the “Generation of Financial Intelligence” program, including the first edition of #YouthEconomy, powered by Iute Moldova, which connected students with finance and entrepreneurship professionals and provided practical insight into financial planning, business development, and responsible decision-making. Energbank complemented this with interactive financial education sessions for schoolchildren, introducing core principles of money management and the role of banks.
In North Macedonia, Iute leaders engaged with university students through lectures and discussions focused on digital channels, entrepreneurship, and the future of financial services. The initiatives focused on practical skills and understanding of everyday financial decisions.
At the Group level, Iute supported investor education by sponsoring the Investor Toomas Conference and the Investing Festival, together reaching approximately 3,000 participants.
Well-being of our employees
Country-based activities
In North Macedonia, Iute marked Breast Cancer Awareness Month through internal Pink October activities, focusing on prevention, self-care, and mental well-being. Employees also participated in the Zegin Spectraton humanitarian race, supporting organisations working with people with autism spectrum disorders.
In Moldova, Iute and Energbank teams jointly participated in the Chișinău Marathon under the #HopeInMotion initiative, supporting Hospices of Hope Moldova and contributing to the development of free palliative care services through sponsorship and employee participation.
In Bulgaria, sustained focus on employee well-being and workplace culture was reflected in external recognition. For the fourth consecutive year, Iute Bulgaria was named among the Top 100 Best Employers, ranking 38th in 2025, based on public and expert evaluation and highlighting continued investment in team development, open communication, and a supportive work environment.
Engaging our local communities
Country-based activities
In Moldova, Iute and Energbank supported local communities through food donation campaigns, holiday initiatives for children, and partnerships with organisations working with vulnerable families, children with disabilities, and palliative care patients. Additional activities included supporting youth education through Junior Achievement Moldova, donating equipment to schools, and a joint tree-planting initiative under the “Generația Pădurii” campaign, promoting environmental responsibility and community involvement.
In North Macedonia, Iute responded to a local emergency following a toxic fire in Trubarevo by donating medical-grade air purifiers to a primary school, helping restore a safe learning environment for more than 350 students. The subsidiary also continued its “Growing Together” initiative, focusing on tree planting and improvements to public spaces in cooperation with municipalities and local partners.
In Albania, Iute supported cultural heritage and public awareness through sponsorship of the Porto Palermo Festival, the cultural event “Tefta Tashko Koço – My Song to the Night”, and the restoration of the animated film Ilira, in cooperation with the Albanian National Film Archive, totaling 10,300 euros.
In Estonia, Iute extended its long-term partnership with the Estonian National Symphony Orchestra, increasing its total support to 600,000 euros as ERSO prepares for its 100th season.
Quality education
Country-based activities
IuteCredit Albania
Iute’s Albanian subsidiary is actively collaborating with SDA Albania by Protik to sponsor coding scholarships in underdeveloped areas across the country. The initiative aims to empower youth with the skills needed for successful careers in the tech industry. Over 30 coding and Java training courses have been sponsored in Dibër, Peshkopi, and Shkodër, fostering a talented pool of IT professionals to contribute to Albania’s technology sector.
The company has already supported over 50 coding and programming scholarships for financially disadvantaged youths in collaboration with SDA Albania, Protik, and Tumo. This joint effort, with the Albanian government covering 50% of the costs and Iute sponsoring the remaining 50%, demonstrates a commitment to creating opportunities for education and growth.
IuteCredit Albania also financially supports the SOS Children’s Village, a renowned institution for orphan care, to empower young people with scholarships and professional internships, supporting them in building successful careers in Albania.
IuteCredit Moldova
As part of its commitment to social responsibility, IuteCredit Moldova actively supports youth, financial education, and sports initiatives. The company has provided financial support for digitalizing programs like “My Finances” and “Entrepreneurial Spirit” by the Ministry of Education and Research. Additionally, IuteCredit has contributed to the “Generation Financial Intelligence” project, translating animated video series into Russian and sign language, ensuring inclusive financial education for all children, including those with hearing impairments.
In 2023, IuteCredit Moldova started sponsoring the “Better Development Through Social Entrepreneurship” EU4Youth, promoting social entrepreneurship skills among youth in Georgia, Moldova, and Ukraine. The initiative aims to create an ecosystem for social enterprises and drive economic and social change. The 28-year program has impacted 300,000 Moldovan children, underlining the importance of economic and entrepreneurial education.
IuteCredit Moldova also played a key role in the Leadership Camp, a youth development initiative focusing on entrepreneurship education for young people from Moldova and Ukraine. The two-day camp provided practical leadership lessons and promoted an entrepreneurial spirit among participants, contributing to their personal and professional growth.