As of August 24, the volume of lending to Ukraine’s agricultural sector had increased by 25 billion hryvnias compared to the same date in 2025—reaching 105 billion hryvnias, Minister of Agrarian Policy and Food Taras Vysotsky announced at a briefing on Friday.
“An additional 2 billion hryvnias in loans were issued over the past week. Overall, looking at the total as of today, the figure stands at 105 billion hryvnias as of August 24. This is 25 billion more than on the same date last year. Lending options are expanding,” he said.
As previously reported, according to Cabinet of Ministers Resolution No. 1012 dated August 13, 2026, agricultural producers are now able to obtain preferential loans under the government’s “5-7-9%” program for up to 90 million hryvnias to finance their operations, without the requirement that the funds be used for investment purposes.
Previously, loans to replenish working capital were capped at 5 million hryvnia.
As reported, the Ukrainian Maritime Corridor ceased operations on July 22 following enemy attacks. Farmers appealed to the government for assistance due to a sharp drop in market prices, difficulties with exporting their products, and the need for additional funds for storage.
Since the beginning of the year, 6,864 agricultural enterprises have raised 46.29 billion UAH under the state program “Affordable Loans 5-7-9%,” according to the press service of the Ministry of Agrarian Policy and Food of Ukraine.
The program was most actively utilized in the Odesa (6.14 billion UAH for 817 agricultural enterprises), Kyiv (4.49 billion UAH for 577 agricultural enterprises), Kirovohrad (4.26 billion UAH for 817 agricultural enterprises), Vinnytsia (4.12 billion UAH for 731 agricultural enterprises), and Kharkiv (3.17 billion UAH for 402 agricultural enterprises) regions.
In total, since the beginning of the year, 11,887 agricultural enterprises have secured over 105.63 billion UAH in loan funds through all financing programs.
In 2025, 15,574 agricultural enterprises received 131.47 billion UAH in bank loans for development.
Under the state program “Affordable Loans 5-7-9%,” 7,978 farms were financed in the amount of 53.76 billion UAH.
agricultural enterprise, agricultural sector, FINANCING, LOAN, MINISTRY OF AGRARIAN POLICY
Oschadbank and the Lviv City Council signed a five-year loan agreement for 582.6 million UAH to finance projects aimed at modernizing the city’s critical infrastructure, the financial institution announced on Friday.
“The new 582.6 million hryvnia loan will enable Lviv to continue upgrading its housing, utilities, and road infrastructure, modernizing its heat supply system, and strengthening energy security,” said Serhiy Chernikov, deputy chairman of Oschadbank’s board of directors responsible for corporate business.
It is noted that the funds will be directed toward nine critical infrastructure projects in the city.
Taking this new agreement into account, the total amount of loans provided to Lviv by Oschadbank over the past three years has reached 2.09 billion UAH: in 2024, the bank provided the city with 840.0 million UAH, and in 2025—668.0 million UAH.
Since the start of the full-scale invasion, Oschadbank has entered into loan agreements with Ukrainian municipalities totaling 7.8 billion UAH. As of August 1, 2026, the bank accounted for over 64% of municipal lending.
According to the National Bank, as of July 1, 2026, Oschadbank, with total assets of 518.87 billion UAH, ranked second among Ukraine’s 59 banks. The bank’s total loan portfolio grew by 6.7% in the first half of the year, reaching 136.83 billion UAH.
State-owned Oschadbank issued 3.3 billion UAH in loans to microbusinesses from January through June 2026, which is 37% more than during the same period last year, the financial institution reported on its website.
It is noted that the number of loans issued rose by 27% to 2,596.
Oschadbank’s microbusiness loan portfolio has grown by nearly 20% since the beginning of the year and exceeded 7.6 billion hryvnias.
During the first half of the year, the bank processed 2,799 applications from microbusiness representatives.
As part of its cooperation with the Fund for Partial Guarantees of Agricultural Loans, Oschadbank issued 313 microloans to agricultural producers during this period under portfolio guarantees totaling 459.8 million UAH.
According to the National Bank, as of July 1, 2026, Oschadbank, with total assets of 518.87 billion hryvnias, ranked second among Ukraine’s 59 banks. The bank’s total loan portfolio grew by 6.7% in the first half of the year, reaching 136.83 billion hryvnias.
agricultural producer, BANK, LOAN, microbusiness, OSCHADBANK
In April–June 2026, Ukrsibbank (Kyiv) increased its pre-tax profit by 19.4%, or 342.9 million UAH, to 2.11 billion UAH, while net profit decreased by 11.7%, or by 156.9 million UAH, to 1.18 billion UAH.
According to the bank’s interim consolidated financial statements, Ukrsibbank’s net interest income increased by 10.1% to 3.44 billion UAH, and net fee and commission income rose by 13.9% to 450.0 million UAH.
Profit from foreign currency transactions decreased by 21.8% to 195.5 million UAH, while profit from foreign currency revaluation increased by 80.9% to 959,000 UAH.
In the second quarter, the bank recorded a loss of 7.8 million UAH from the impairment of financial assets, compared to a loss of 290.5 million UAH a year earlier.
Employee compensation expenses rose by 14.1% to 1.16 billion UAH, while other administrative and operating expenses increased by 11.3% to 522.7 million UAH.
For the first half of 2026, Ukrsibbank’s pre-tax profit rose by 1.1% to 3.61 billion UAH, while net profit fell by 30.3% to 1.85 billion UAH.
The bank’s net interest income for the half-year rose by 11.1% to 6.78 billion UAH, while net fee and commission income increased by 7.4% to 843.6 million UAH.
Loans and advances to customers have increased by 2.8% since the beginning of the year, reaching 22.60 billion UAH. In particular, loans to consumers rose by 29.5% to 4.57 billion UAH, while loans to corporate clients decreased by 2.2% to 17.91 billion UAH, and mortgage loans fell by 13.1% to 126.7 million UAH.
Investments in securities for the first half of the year rose by 6.8% to 112.88 billion UAH. Specifically, investments in government debt instruments increased by 6.7% to 54.01 billion UAH, and investments in corporate debt instruments rose by 5.6% to 13.43 billion UAH.
Ukrsibbank’s customer deposits have grown by 4.3% since the beginning of the year, reaching 162.97 billion UAH. Balances in time deposits increased by 2.5% to 49.12 billion UAH, in demand deposits by 39.3% to 13.73 billion UAH, and in checking accounts by 3.8% to 96.12 billion UAH.
The bank’s total assets increased by 4.9% to 195.46 billion UAH, and its equity rose by 6.8% to 29.07 billion UAH.
The number of Ukrsibbank branches decreased to 214 in the first half of the year from 220 at the beginning of the year.
In terms of ownership structure, Ukrsibbank is owned by BNP Paribas (France)—60%—and the European Bank for Reconstruction and Development (EBRD)—40%.
According to the National Bank, as of June 1, 2026, Ukrsibbank, with total assets of 196.69 billion UAH, ranked eighth among Ukraine’s 58 solvent banks.
asset, BANK, LOAN, PROFIT, UKRSIBBANK
The total volume of mortgage loans in the banking system as of June 1, 2026, reached 50 billion hryvnia, or about 4% of all loans issued, said Olena Dmitrieva, First Deputy Chair of the Board of Globus Bank, on Wednesday during the analytical panel “Market Analytics for the Construction and Real Estate Sectors for the First Half of 2026,” organized by the Confederation of Builders of Ukraine.
“The real estate market is gradually adapting to the conditions of war, but demand remains highly sensitive to shelling, power outages, and rising construction costs. At the same time, the share of mortgages in the total number of residential purchase and sale transactions still accounts for only about 3%,” noted Olena Dmitrieva.
According to her data, as of June 1, 2026, the total volume of mortgage loans in the banking system reached 50 billion hryvnia, or about 4% of all loans issued. Over the past year, banks’ mortgage portfolios have grown by 35%, while the total loan portfolio increased by approximately 10%.
She also emphasized that approximately 42,000 Ukrainian families currently hold mortgage loans, representing only 0.4% of the total number of households. The share of non-performing loans in this segment stands at 12%, primarily due to older foreign-currency loans.
At the same time, the number of new mortgage loans has not yet returned to pre-war levels. In 2025, banks issued about 77% of the number of loans granted in 2021.
“Mortgage portfolios are indeed growing much faster than the credit market as a whole. However, the main driving force behind this growth remains ‘eOselya.’ Without government support, the scale of mortgage lending would be significantly smaller,” Dmytrieva emphasized.
On average, banks issue about 207 loans per month secured by property rights to apartments in buildings under construction, as well as about 238 loans for the purchase of completed housing from developers. Thanks to these two areas of mortgage lending, construction companies receive about 884 million UAH, or approximately $20 million, each month.
Since the “eOselya” program began, about 28,000 loans have been issued for a total of 49 billion UAH. Currently, it accounts for 93% of all new mortgage loans in Ukraine.
Globus Bank was founded in 2007. As of January 2026, its regional network comprises 34 branches, 29 of which are part of the Power Banking network, enabling operations even during power outages.
Its priority areas of activity include lending for energy-efficient projects, mortgage lending in the primary market, auto loans, and lending to small and medium-sized businesses.
Serhiy Mamedov, Chairman of the Board of Globus Bank, is Vice President of the Confederation of Builders of Ukraine and Vice President of the Association of Ukrainian Banks.
