JSC OTP BANK plans to continue active lending to corporate business next year, in particular, to increase the volume of financing for renewable energy. This was stated by Alla Biniashvili, Member of the Management Board of OTP Bank responsible for corporate business development, during the event “Global Outlook: Strategic Momentum”.
“What, in our opinion, will be the driver in 2026? Of course, renewable energy. It is already financed mostly by state-owned banks, but all other institutions also prioritize financing energy security and renewable energy. And we at OTP Bank expect a significant increase in its share in our portfolio and in the portfolios of other banks next year,” said A. Biniashvili.
According to her, the banking sector is characterized by a high level of liquidity, and banks are determined to continue to finance businesses. In 2025, the top 3 lending areas include agriculture, food industry, and trade, both wholesale and retail. Financial institutions support Ukrainian companies by competing for customers and offering them optimal rates and conditions. “They do this, they successfully lend. But banks also finance companies. When we look at the balance sheets of banking institutions, we see that liabilities, i.e. deposits and account balances, are twice as high as assets. The reason for this is uncertainty: most companies are afraid to invest in projects because of the war and the risks associated with it. However, we are growing, and the banking sector is developing. If we talk about OTP Bank, we have grown by 35% in hryvnia over six months, i.e. plus UAH 6 billion to the beginning of the year,” emphasized the Board member.
According to Alla Biniashvili, despite all the challenges, including the geopolitical situation, inflation, deterioration of the trade balance due to the need for imports for energy security, lower harvests, and staff shortages, financial institutions are optimistic about the future. “We shouldn’t give up, because when the war is over, everyone will lend, and it will be a boom. And now we are working based on the situation we have and doing everything to effectively support business and the country’s economy,” emphasized the member of the Board of OTP Bank.
The event “Global Outlook: Strategic Momentum” event was attended by Andriy Pyshnyi, Governor of the National Bank of Ukraine, Olena Voloshyna, Country Manager of the International Finance Corporation (IFC) in Ukraine, and representatives of the business community. The participants focused on the following key areas: financial stability and the role of business in Ukraine’s recovery. They discussed the practical contribution of companies to rebuilding the country’s infrastructure, as well as the innovations and support needed to overcome current challenges. In total, the event was attended by about 350 guests, with another 200 joining the conference online.
OTP Bank forecasts significant growth in renewable energy lending next year, said Alla Biniashvili, a member of the bank’s board.
“What do we think will be the driver? Definitely renewable energy. It is already emerging, mostly in state-owned banks, but all other banks are also prioritizing the financing of energy security and renewable energy. And we expect a significant increase in its share in our portfolio next year, as well as in the portfolios of other banks,” she said at the Global Outlook: Strategic Momentum conference organized by the European Business Association (EBA) in Kyiv on Friday.
As Biniashvili noted, the banking sector is currently characterized by high liquidity, but companies also hold significant balances in their accounts due to uncertainty and lack of investment.
According to her, the main sectors for lending currently remain agriculture, food industry, trade, and defense. She noted that banks compete with each other for customers in these industries, lowering rates and offering new terms.
Binashvili named the geopolitical situation, import needs for energy security, lower harvests, and staff shortages as key risks for the banking sector. At the same time, she said that against the backdrop of international guarantees and risk-sharing programs, banks will be able to ensure about 30% growth in lending in 2026.
JSC OTP BANK is on the second place in several July ratings of the Settlement Center for servicing contracts in the financial markets. In particular, in the overall rating of clearing members, among clearing members in the securities market and among clearing members in the repo and foreign exchange swap markets, OTP Bank is the second. This information is published on the website of the Settlement Center. OTP Bank is a leader among banking institutions with foreign capital, and it is also ahead of several state-owned banks.
“In the first seven months of 2025, our individual clients purchased government bonds for a total amount of UAH 7.7 billion in equivalent. Up to 99% of all transactions are conducted in the banking application,” said Valeria Ovcharuk, product owner of OTP BANK.
She reminded that thanks to the OTP Bank UA application, you can invest in government bonds directly at auctions of the Ministry of Finance or buy bonds from the Bank’s portfolio 24/7, from anywhere in the world. “Among our clients, 48% go to auctions on their own, while the rest prefer to buy from the portfolio. There is a large selection, and customers can compare rates, maturities, and interest payment options as if in an online store,” said Ovcharuk.
To learn more about investing in domestic government bonds through the OTP Bank UA app, please follow the link.
JSC OTP BANK offers favorable financing conditions for those who want to drive a modern and reliable used electric car as soon as possible without overpaying for a loan. The reduced interest rate is a strong argument in favor of purchasing an eco-friendly car with the support of the Bank, said Vitaliy Skorobohatyi, Head of Car Lending Development Department of OTP Bank.
“An electric car on credit is not only about the opportunity to become the owner of a car today and about comfort, but also about a profitable investment in the future. At OTP BANK, we have created conditions that really help our customers make this choice easier: a reduced interest rate, a minimum down payment, no requirements for hull insurance and car age. This means that you can buy an electric car quickly and without hidden overpayments. We are happy to support customers who choose environmentally friendly solutions,” said V. Skorobohatyi.
Terms of lending for used electric cars at OTP BANK:
Buying an electric car is not only about caring for the environment and sustainable development, but also about a number of benefits for the owner. Such cars combine modern technological solutions that make driving comfortable, convenient, and much quieter than traditional cars. It also saves on fuel and car maintenance.
How can I quickly find out my loan amount?
You can calculate the preliminary amount of financing in just one minute using a convenient bot or calculator on the OTP BANK website. The Bank’s specialists will provide detailed advice on the loan and help you choose the optimal term and amount of monthly payments.
The client receives the final decision of the Bank on the possibility of financing and the transfer of funds for the car within one day.
We would like to remind you that OTP BANK offers from UAH 10,000 to UAH 1,000,000 loan for any used car. It is also possible to become the owner of a new car from a car dealership with the support of the Bank. The motorcycle season is in full swing, so the financial institution has prepared favorable conditions for those customers who are interested in buying a motorcycle on credit.
JSC “OTP BANK” announces the continuation of its favorite customer campaign “Lam on a car”, the main prize of which is UAH 1,000,000 for the purchase of a car. This time, it is accompanied by a new brand character of the Bank – Lyamchik, who gives good luck and suggests opportunities to increase the chances of winning.
“We have made sure that you can test your luck once again. We continue the tradition of special offers, promotions and other pleasant surprises for our customers. And to add vivid emotions, good mood, and positive attitude to the “Lam to the Car” campaign, we have introduced a new character. From now on, Lyamchik is our mascot. Follow his advice closely, as it will help you increase your chances of winning and grow financially,” said Natalia Slichuk, Head of Marketing Department of OTP Bank.
How to join the campaign?
You need to take one of the following steps at an OTP BANK branch, on the financial institution’s website or in the OTP Bank UA mobile application
Lyamchyk sincerely supports each client, so he gives his own tips: each subsequent action that meets the conditions of the promotion automatically increases the chances of winning. There can be an unlimited number of such steps.
Our hero also draws attention to the fact that an additional opportunity to increase your chances is available in the OTP Bank UA app – look for the “Multiply Chances” banner and activate your luck.
The promotion lasts from July 7 to August 31, 2025. The lucky one will be able to choose: to receive UAH 1,000,000 to an account at OTP Bank or to use the funds to purchase the car of his dreams.
We would like to remind you that during the previous stage of the “Lamb for a car” campaign, a client of the Bank from Vinnytsia, who took out a loan for a used car, became the winner.
Details and terms of the campaign are available at the link.
The independent rating agency Credit-Rating has announced that the long-term credit rating of JSC OTP BANK has been affirmed at uaAAA, with a stable outlook.
As explained by the agency, this means that OTP Bank has the highest creditworthiness compared to other Ukrainian borrowers or debt instruments. The stable outlook indicates that there are currently no prerequisites for changing the rating during the year.
At the end of 2023, Credit-Rating upgraded OTP Bank’s rating to uaAAA with an “evolving” outlook. Last summer, the outlook was changed to stable and remains so today.
Earlier, the credit rating agency S&P Global upgraded the rating for OTP Bank (Hungary) from BBB-/A-3 to BBB/A-2. This level is higher than the sovereign credit rating of Hungary.
OTP Group is the 4th most stress-resilient banking group in Europe based on the European Banking Stress Test 2023 conducted by the European Banking Authority. OTP Group is also at the top of the Top 100 Banks in Central and Eastern Europe for 2023 and 2024.
