Caring for people, serving society
Oschadbank is one of the largest employers in Ukraine’s banking sector with nearly 18,000 employees. Caring for our team goes beyond fair remuneration and social guarantees to include flexible working conditions, medical support, and additional safety measures.
Our HR policy is based on openness, transparency, inclusivity, and support for career growth. Oschadbank guarantees equal opportunities for all, regardless of gender, age, health status or other personal characteristics.
Special attention is paid to preventing gender-based violence and ensuring that every employee feels safe. Oschadbank has established a confidential reporting system for unacceptable behavior (whistleblowing), including issues related to gender-based violence.
We provide career opportunities, invest in development programs, and provide a stable working environment even during wartime.
Inclusion and the “My Barrier-Free” Program
“My Barrier-Free” is an initiative aimed at ensuring equal access to high-quality financial services for all client groups. It includes staff training in inclusive communication, service adaptation, transformation of our branch network into an accessible environment, and targeted communication initiatives. Oschadbank is among the first banks in Eastern Europe to systematically implement inclusiveness in banking.
Charity and community support
Oschadbank is a socially responsible business helping Ukraine endure and recover. We support the Armed Forces of Ukraine, as well as charitable initiatives and social projects that assist those in need: from developing barrier-free environments to supporting culture, education, and sports.
Corporate Bussiness
We empower sustainable development of critical industries by offering favorable loans and investment programs for equipment upgrades, production expansion, and energy efficiency improvements.
Oschadbank confidently leads in financing enterprises in energy, metallurgy, and financial services sectors, as well as in supporting municipalities. The Bank also ranks second in lending to retail and wholesale trade, agro‑industrial complex, and food production.
In 2024, Oschadbank remained the leader in municipal financing. All projects included a sustainability component: energy efficiency, renewable energy or waste management. Oschadbank also serves as a reliable financial partner for energy and defense sectors.
Retail Business
Oschadbank is the only bank in Ukraine operating in frontline areas. Ten mobile armored branches provide financial services in communities near combat zones. These mobile branches have no analogues and offer key services: opening accounts, setting up deposits, reissuing payment cards, transferring funds, and distributing social assistance.
Oschadbank also develops remote banking to ensure uninterrupted access to financial services under any conditions. In 2024, 70% of client operations were conducted via the “Mobile Oschad” app.
State mortgage lending program
eOselya is a state mortgage program under which Oschadbank provides preferential housing loans on favorable terms. Most borrowers are military personnel and representatives of critical sectors.
Micro, Small, and Medium Enterprises
Oschadbank holds leading positions in MSME support. MSME lending not only contributes to business growth, but also strengthens regional resilience, creates jobs, and stimulates the transition to resource-efficient and socially responsible business models aligned with ESG criteria. Cooperation with international partners allows us to strengthen this support and contribute to Ukraine’s economic recovery.
Oschadbank also partners with local government authorities through joint small and medium business support programs aimed at regional economic development under signed memorandums. This cooperation delivers tangible results: entrepreneurs received UAH 33 million in compensation from municipalities through joint SME grant programs. The bank also provides lending programs for social enterprises, supporting growth of businesses with a social mission.
Financial services for entrepreneurs
Creating favorable financial opportunities and supporting MSMEs is our contribution to community development and Ukraine's recovery. Small and medium-sized businesses are the foundation of economic growth and stability, which is why Oschadbank offers preferential lending terms for those who want to operate more efficiently and help build a better future for our country.
The Bank leads the market in export financing, having funded projects exceeding UAH 500 million over the program’s duration. Oschadbank also actively supports agriculture development through specialized agro‑loan programs, including financing for equipment purchases and seasonal operations.
The Bank continues to develop digital services and make financial services more accessible to businesses – 84% of MSME clients actively use CorpLight online banking.
Affordable Loans 5‑7‑9%
Oschadbank is one of the leaders of the Affordable Loans 5‑7‑9% program, supporting MSMEs with affordable financing to stimulate entrepreneurship.
Grant programs
Oschadbank ranks first on the market by number of grant programs implemented through the bank. We design financing programs for vulnerable entrepreneur categories (including women, internally displaced persons and veterans), supporting the development of small and medium businesses and entrepreneurs in war-affected regions.
Veteran support
Oschadbank supports veterans and veteran‑owned businesses thriugh grants, preferential financing, and advisory support. Since 2024, the “Business 4.5.0.” project has offered preferential loans for operating businesses and startups, along with free consultations and account services - including online onboarding via the OschadBusiness platform.