Oschadbank Allocated UAH 9 billion to Support SMEs Under Risk-Sharing Facilities with the Government and the EBRD

In 2025, Oschadbank financed small and medium-sized enterprises in the amount of UAH 9 billion. The key instruments were risk-sharing facilities with international partners, notably the EBRD, and government support schemes. More than 2,500 enterprises, about 20% of which operate in frontline regions, were provided with financing.

Nataliia Butkova-Vitvitska, Member of the Management Board of Oschadbank in charge of MSMEs, made this statement at the EU-Ukraine Business Summit in Brussels.

According to her, guarantee instruments covering up to 50% of credit risk enable Oschadbank to scale up lending and provide access to financing for businesses that lack sufficient collateral, even amid circumstances of elevated risk.

Today, Oschadbank serves as a key infrastructure facilitating access to financing: around 90% of government and international business support facilities are implemented through the Bank. In fact, Oschadbank has become a platform that integrates the resources of international financial institutions with those of the state and transforms them into accessible financing for businesses.

“Risk-mitigation guarantee instruments are an excellent starting point for investors and a solid foundation for the domestic market. It is precisely the combination of government support facilities and guarantees from international partners that helps Oschadbank scale up lending, avoiding relying solely on traditional collateral. Nowadays, every second loan is issued by the Bank with the use of risk-sharing framework. This was achieved through the synergy of government resources and our colleagues at the EBRD,” — emphasized Nataliia Butkova-Vitvitska.

Oschadbank's Management Board Member said that the full-scale war has accelerated the financial sector’s transition to risk-sharing models, and their further development will be a key factor in attracting private equity into Ukraine’s recovery.

Since the outbreak of full-scale war, Oschadbank’s loan portfolio has quadrupled. The total volume of financing disbursed has reached €1.5 billion, with businesses receiving an additional €0.3 billion as grants. At the same time, NPLs remain low - less than 1% in safe regions and up to 3% in frontline areas.