v3.26.1
Loans from banks and other financial institutions
12 Months Ended
Dec. 31, 2025
Credit From Banking Corporations Financial Institutions And Other Credit Providers [Abstract]  
Loans from banks and other financial institutions
Note 12 - Loans from banks and other financial institutions
 
   
Current liabilities
   
Non-current liabilities
   
Total
 
   
As of December 31
   
As of December 31
   
As of December 31
 
   
2025
   
2024
   
2025
   
2024
   
2025
   
2024
 
   
USD in thousands
   
USD in thousands
   
USD in thousands
   
USD in thousands
   
USD in thousands
   
USD in thousands
 
Credit from banks (1)
   
67,665
     
90,000
     
-
     
-
     
67,665
     
90,000
 
Loans from banks and other financial institutions for project financing (2)
   
816,455
     
122,246
     
2,861,672
     
1,879,758
     
3,678,127
     
2,002,004
 
Loans from banks for corporate financing
   
-
     
-
     
120,114
     
116,379
     
120,114
     
116,379
 
                                                 
Total credit
   
884,120
     
212,246
     
2,981,786
     
1,996,137
     
3,865,906
     
2,208,383
 
 
  (1)
The Credit from banks as of December 31, 2025, are part of short-term credit facilities totaling USD 545 million.
 
As of the approval date of the Financial Statements, USD 68 million are in use.
 
  (2)
Loans from banks and other financial institutions for project financing
 
     
Balance of the loan as of December 31,
   
 
Project name
Original loan currency
Date financing provided
2025
2024
Interest rate and Indexation (*)
Maturity
USD in million
Halutziot
NIS
December 2020
153
144
0.88%, CPI-linked
2035
Halutziot 1 upgrade
NIS
September 2022
19
18
3.22%, CPI-linked
2035
Halutziot 2
NIS
September 2022
34
30
3.32%, CPI-linked
2045
Mivtachim and Talmei Bilu
NIS
December 2020
79
76
0.77%, CPI-linked
2033
Kramim and Idan
NIS
December 2020
25
24
0.8%, CPI-linked
2034
Emek HaBacha
NIS
November 2018
176
158
2.41%, CPI-linked
2040
Solar and Storage projects in Israel
NIS
December 2023
249
208
6.37%-7.37%
2031(**)
Ruach Beresheet
NIS
July 2020
340
303
2.14%, CPI-linked
2042
Tullynamoyle
EUR
August 2020
11
10
90% of the loan - 3.47%
10% of the loan - 3M Euribor plus 2%
2032
Lukovac
EUR
December 2020
33
34
84% of the loan - 3.5%-3.75%
16% of the loan - 3M Euribor plus 3%-3.5%
2032
EWK
EUR
December 2017
75
78
60% of the loan – 2.3%
29% of the loan - 3.95%
11% of the loan – 4.65%-4.83%
2030
Picasso
EUR
January 2020
75
71
Until 2029 – 1.58%
Until 2039 – 2.33%
2039
SOWI
EUR
January 2020
88
86
49% of the loan – 1.91%
32% of the loan – 4.06%
1% of the loan – 4.46%
18% of the loan – 6M Euribor plus 4%
2033
Gecama (1)
EUR
May 2025
271
145
5.1%
2045
Björnberget
EUR
May 2021
213
199
79% of the loan – 2.28%
21% of the loan - 6M Euribor plus 1.75%.
2041
Attila
HUF
January 2019
32
28
70% of the loan – 6.3%.
30% of the loan – 4.05%.
2036
Raaba Flow and Raaba ACDC
EUR
March 2024
40
35
70% of the loan – 6.1%
30% of the loan - 3M Euribor plus 3.15%-3.25%.
2033
PUPIN
EUR
March 2024
93
67
70% of the loan – 6.3%
30% of the loan - 3M Euribor plus 3.3%.
2040
Atrisco PV
USD
December 2023
103
115
5.4%-5.9%
2049
Atrisco BESS
USD
December 2023
168
174
5.6%-5.9%.
2049
 Roadrunner PV (3)
USD
January 2025
212
-
Construction loan- SOFR plus 1.5%
2026
 Roadrunner Bess (3)
USD
January 2025
244
-
Construction loan- SOFR plus 1.5%
2026
 Quail Ranch PV (4)
USD
April 2025
114
-
Construction loan- SOFR plus 1.5%
2026
 Quail Ranch Bess (4)
USD
April 2025
86
-
Construction loan- SOFR plus 1.5%
2026
 Country Acers (5)
USD
March 2025
484
-
Construction loan- SOFR plus 1.5%
2027
 Snowflake A (6)
USD
November 2025
201
-
Construction loan- SOFR plus 1.5%
2027
 Mezzanine loan (2)
USD
August 2025
59
-
6M SOFR plus 2.9-3.1%
2032
 
(*) The interest rates in the table above include the impact of Interest Rate Swap (IRS) instruments hedging variable interest rates.
 
(**) Maturity - 20-year amortization period and a 6-year mini-perm term.

 

Financial covenants:
 
The loan agreements include specific financial covenants and collateral requirements, such as, inter alia, charges on the project entity’s assets, cash flow rights, land rights, and collateral provided by the project contractors.
 
As of December 31,2025, the Company is in compliance with all of the financial covenants in accordance with the facilities agreements.
 
(1)  Gecama Financing Agreement:
 
In May 2025, The Company through its subsidiary “Gecama”, signed a bond issuance agreement for EUR 294 million Bonds (approximately USD 345 million). The financing was led by MEAG private equity and infrastructure funds as an arranger and 7 Bondholders.
 
The financing supports the Gecama project complex, including the refinancing of the existing wind project and the construction of the hybridization project. As part of the hybridization project, Gecama will construct a photovoltaic power plant with an installed capacity of 225 MW (“Solar PV”) and a battery energy storage system with an installed capacity of 100 MW with two hours of storage (equivalent to 200 MWh of usable storage capacity) (“BESS”). The solar and storage systems will be co-located at the wind project site and will share the grid connection and related evacuation infrastructure.
 
The following are the main terms of the Refinancing Bonds:
 
 
Final Maturity Date for the refinancing bonds is June 30, 2045.
 
 
The interest on the loan is fixed at 5.097%, consisting of a 3M Euribor 2.497% + Margin 2.6%
 
 
Repayment Schedule – Semi-annual repayments both for principal and interest
 
 
Main Events for Immediate Repayment - The loan is subject to immediate repayment in cases of severe breaches that have been set, mainly: late payment; breach of material representations or commitments; insolvency; failure to obtain or cancellation of required permits for the projects; an event that materially affects the projects and the debt.
 
 
Main Collateral - As is customary in project financing (first ranking pledge of shares, moveable assets, immovable assets (mortgages) receivables and accounts, land easements and leases (conditional).
 
 
ADSCR for default – 1.1
 
 
ADSCR for distribution – 1.25
 
(2)  Mezzanine facility agreement:
 
In August 2025, the Company, through its subsidiary, Clenera Holdings LLC, entered into a financing agreement with a consortium of lenders led by Bank Leumi Le-Israel B.M. The facility, comprised of three tranches, totaling USD 350 million has been and will continue to be used to finance the construction of various solar and energy storage projects in the US. As of December 31, 2025, Clenera Holdings LLC had drawn on the Tranche A and Tranche B loan facilities, which had interest rates of 7.32% and 7.07% respectively, at closing.
 
(3)  Roadrunner PV + BESS Construction loan:
 
At the beginning of 2025, the Company, through its subsidiary, Clenera Holdings LLC, entered into definitive construction facility agreements with a consortium of lenders led by BNP Paribas Securities Corp., totaling USD 550 million, to finance the construction of the Roadrunner Solar and Roadrunner Battery Storage projects. The financing for Roadrunner Solar totaled USD 223 million and was comprised of a USD 127 million construction loan and a USD 96 million tax credit bridge loan. The financing for Roadrunner Battery Storage totaled USD 327 million and was comprised of a USD 254 million construction loan and a USD 73 million tax credit bridge loan. As of December 31, 2025, Clenera Holdings LLC had drawn on the construction loan and tax credit bridge loan facilities for both projects, which, at closing, had interest rates of 5.82% and 6.57%, respectively.
 
M&T Community & Environmental Developmental LLC, together with First-Citizen Bank & Trust, provided USD 132 million and USD 84 million in tax equity financing for Roadrunner Solar and Roadrunner Battery Storage, respectively, at the close of fiscal year 2025. In the first quarter of 2026, both entities provided USD 36 million additional tax equity financing bringing the total financing to USD 390 million. The construction loan was converted in February 2026 to USD 290 million term loan.
 
(4)  Quail Ranch PV + BESS Construction loan:
 
During April 2025, the Company, through its subsidiary, Clenera Holdings LLC, entered into definitive construction facility agreements with a consortium of lenders led by BNP Paribas Securities Corp., totaling USD 244 million, to finance the construction of the Quail Ranch Solar and Quail Ranch Energy Storage projects. The financing for Quail Ranch Solar totaled USD 114 million and was comprised of a USD 51 million construction loan, a USD 45 million tax credit bridge loan, and a USD 17 million upsize bridge loan. The financing for Quail Ranch Energy Storage totaled USD 130 million and was comprised of a USD 82 million construction loan, a USD 31 million tax credit bridge loan, and a USD 17 million upsize bridge loan. As of December 31, 2025, Clenera Holdings LLC had drawn on the construction loan and tax credit bridge loan facilities for both projects, which, at closing, had interest rates of 5.89% and 6.64%, respectively.
 
Wells Fargo Bank, N.A. provided USD 22 million and USD 18 million in tax equity financing for Quail Ranch Solar and Quail Ranch Energy Storage, respectively, at the close of fiscal year 2025.
 
(5)  Country Acres Construction loan:
 
In March 2025, the Company, through its subsidiary, Clenera Holdings LLC, entered into a definitive construction facility agreement with a consortium of lenders led by BNP Paribas Securities Corp. The facility totaling USD 773 million is being used to finance the construction of the combined Country Acres Solar and BESS project. The financing was comprised of USD 497 million construction loan, USD 165 million tax credit bridge loan, and USD 111 million upsize bridge loan. As of December 31, 2025, Clenera Holdings LLC had only drawn on the construction loan facility, which had an interest rate of 5.80% at closing.
 
(6)  Snowflake A Construction loan:
 
In November 2025, the Company, through its subsidiary, Clenera Holdings LLC, entered into a definitive construction facility agreement with a consortium of lenders led by BNP Paribas Securities Corp. The facility totaling USD 1.4 billion is being used to finance the construction of the combined Snowflake A Solar and BESS project. The financing was comprised of USD 1 billion construction loan, USD 432 million tax credit bridge loan. As of December 31, 2025, Clenera Holdings LLC had only drawn on the construction loan facility, which had an interest rate of 5.72% at closing.