Oschadbank’s Partner Program Loan Portfolio Has Tripled and Exceeded UAH 9.4 billion

As of the end of Q1 2026, Oschadbank’s loan portfolio to micro, small, and medium-sized enterprises (MSMEs) under its partner programs reached UAH 9.442 billion. Since early 2024, it has increased more than threefold.

The growth of Oschadbank’s partner program portfolio over the first three months of the year amounted to UAH 600 million, accounting for 68% of the total growth of the MSMEs portfolio.

Financing under the Bank's partner programs in 2025 increased by 38% - to UAH 5.92 billion compared to UAH 4.3 billion in 2024. In Q1 2026, businesses were financed by an additional UAH 1.6 billion under these programs.

The agricultural sector is experiencing the most dynamic growth: financing for the purchase of seeds, plant protection products, and fertilizers amounted to over UAH 351 million, which is 92% more than for the same period in 2025.

Lending for commercial equipment increased by 65% and reached nearly UAH 100 million for the quarter, while lending for vehicles rose by 51% to UAH 147 million. In the energy projects segment, financing amounted to UAH 148.3 million (+1%).

At the same time, financing for the purchase of agricultural equipment decreased by 27% to UAH 0.85 billion, mainly due to seasonality and market-related factors.

“Partner programs are still one of the key drivers for the growth of the MSME loan portfolio, accounting for over two-thirds of its growth at the beginning of the year. We reached a portfolio volume of over UAH 9.4 billion thanks to our systematic efforts with leading suppliers of machinery, energy equipment, and business resources. We are observing consistently high demand for working capital and transportation financing, as well as the growing importance of partnerships in the energy and logistics sectors, which contribute to the long-term development of our customers' businesses," said Nataliia Butkova-Vitvitska, an Oschadbank’s Management Board Member in charge of MSMEs.

Over Q1, the Bank entered into 36 new partner programs, including, but not limited to, fuel financing with UPG, energy projects in collaboration with Yasno, and logistics development with MAN Truck & Bus Ukraine.

Oschadbank is also a major player in financing through partnership channels with individual suppliers, including UKRAVIT (43%), John Deere (34%), Toyota (51%), Makosh (42%), and Timac (22%).

Oschadbank's total portfolio covers more than 400 partner programs, offering favorable financing terms and rates as low as 0.01%. Over the past year, 103 new partner programs with interest rate compensation have been entered into.