Henkel’s Ceresit brand agreed with Serbian branch of Société Générale bank to launch a second subsidized consumer loan programme for the purchase of company’s facade material, BetaOMS advertising service said. The energy efficiency initiative brings zero interest rate during the cycle of 12 months, and the material can be bought in Ceresit Mix shops. The consumer saves up to 40% energy expenses, thus paying for the loan from that, the press release said.