Oschadbank Enhances Its Network's Operational Resilience in Southern Ukraine

Oschadbank continues its systematic efforts to inspect the resilience of the country’s largest network of bank branches in regions with higher security risks. Earlier, the Bank conducted an inspection in the frontline regions of eastern Ukraine, and recently assessed the network’s operational readiness in the Odesa, Mykolaiv, and Kherson regions.

One reason for the special focus on the southern region is the intensification of Russian attacks. As part of the inspection, the Bank assessed how branches are operating, the functionality of security systems, the physical security of facilities, and whether teams are prepared to work under challenging conditions. The Bank also held separate discussions with employees to address current operational challenges and needs.

All Oschadbank branches are equipped with alternative power sources, which allows them to remain operational even when there is no centralized electricity supply. At the same time, the Bank will continue to strengthen the network’s capabilities in case of heating disruptions so that branches can operate even under such circumstances.

To protect the premises and critical infrastructure in the branches, additional engineering solutions are being implemented, ranging from security shutters and armored structures to gabions and anti-drone nets. In particular, all four Oschadbank branches in the Kherson region are equipped with gabions and anti-drone nets.

“Southern Ukraine remains one of the regions where security risks for employees, customers, and banking infrastructure are particularly high. Therefore, during such inspections, it is of fundamental importance for us to verify that all security systems are functioning properly, that branches are prepared for potential disruptions, and that teams have everything they need to perform their duties. The resilience of the regional teams is also reflected in customer trust: as of the end of the first eight months of 2026, customer deposits in the Mykolaiv Directorate have grown by 10% since the beginning of the year, and the Kherson Directorate holds over UAH 3.5 billion in customer deposits, having increased this amount by 6%. This is the result of our colleagues’ daily work under extremely challenging circumstances. I would like to express my gratitude to the teams for their professionalism, commitment, and resilience,” said Yevhen Drachko-Yermolenko, Deputy Chairman of the Management Board of Oschadbank.

Oschadbank’s three regional directorates comprise 115 branches: 77 in the Odesa Directorate, 33 in the Mykolaiv Directorate, and 5 in the Kherson Directorate.

At the end of the first eight months of 2026, the Odesa Directorate ranked 4th among the Bank's regional directorates in terms of total loan portfolio and 3rd in terms of retail loans. These results confirm the southern teams' capacity not only to ensure the availability of banking services but also to make a significant contribution to Oschadbank’s financial performance.

Oschadbank maintains the largest banking network in the country, with 1,073 operating branches as of October 13, 2026. There are 311 branches operating in seven regional directorates in the frontline territories of eastern and southern Ukraine. In addition, the Bank provides customer service through 15 mobile branches based in purpose-built vehicles: 10 operate in frontline regions, and another 5 serve hard-to-reach communities in the central and western regions.

Oschadbank continues to ensure the availability of banking services throughout the country, strengthen the operational resilience of its network, and support teams working in communities close to the front lines. Decisions regarding the operation of each branch are based primarily on the security environment and the feasibility of ensuring the safety of employees and customers.

The Bank remains committed to strengthening the operational resilience of its network and supporting teams that ensure the availability of financial services in communities in southern Ukraine, where the security situation allows.