Volumes of bank lending to SMEs continue to grow in 2025 – O. Volkova
OTP BANK JSC continues to increase the volume of lending to small and medium-sized businesses this year. This was stated by Olga Volkova, Director of the Sales Department for Medium and Small Corporate Clients at OTP BANK, during a roundtable discussion on the topic "Mobilization of Challenges: How Small Businesses Can Get a Loan During a War," organized by the Financial Club.
«Last year, OTP BANK increased the volume of lending to small and medium-sized businesses by 50%, and this year we are observing the same trend. We understand that we can continue to grow in this segment. In 2025, the share of SME lending for investment purposes has already increased by 50% compared to last year. Last year, OTP BANK increased the volume of lending to small and medium-sized businesses by 50%, and this year we are observing the same trend. We understand that we can continue to grow in this segment. In 2025, the share of SME lending for investment purposes has already increased by 50% compared to last year. In this segment, OTP BANK is actively developing various partnership programs created jointly with the largest Ukrainian and international manufacturers of consumer goods. The bank offers the following conditions: annual interest rate from 0.01%, financing is provided for a period of 3 to 12 months. Up to UAH 5 million can be raised without collateral, up to UAH 20 million – secured by financial agricultural receipts, and over UAH 20 million – secured by hard collateral,” said Olga Volkova.
She added that Ukrainian business is currently increasing investments in the modernization of equipment and the renewal of machinery, in particular agricultural machinery. According to Olga Volkova, at the same time, OTP BANK notes a growing interest from SME clients in implementing solutions that allow optimizing energy consumption, reducing costs, and increasing business sustainability in an unstable energy environment.
«OTP BANK is actively developing the direction of financing projects aimed at increasing the energy efficiency of business and offers favorable lending conditions for the implementation of energy-efficient solutions, namely the installation of: solar power plants, gas turbine and gas piston plants, cogeneration plants, etc. An additional incentive for entrepreneurs is the partnership programs that OTP BANK implements together with international institutions. For example, the program to support business energy efficiency provides not only a reduced interest rate of 5, 7 or 9% per annum under the program "Affordable Loans 5-7-9%", but also a cashback of up to 15% of the project cost, provided with the support of the European Bank for Reconstruction and Development, - noted O. Volkova.
The director of the department emphasized that OTP BANK is constantly creating new and updating existing SME financing programs in order to meet the needs of Ukrainian businesses. To this end, the Bank actively cooperates with various international institutions.
«Cooperation with international partners allows the Bank to also support sensitive segments of SMEs. OTP BANK, through cooperation with the European Bank for Reconstruction and Development, also implements financing programs for: women entrepreneurs, youth in business, relocated businesses, veteran businesses, etc. Such programs provide for various special conditions, such as reduced interest rates, increased cashbacks, etc.," - said O. Volkova.
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Public Joint Stock Company OTP Bank is a subsidiary of OTP Bank, which is the largest independent Central-Eastern-European banking group. JSC OTP Bank is one of the largest domestic banks, a recognized leader in the financial sector of Ukraine. The Bank provides a full range of financial services to corporate and private customers, as well as to small and medium enterprises. The bank entered the Ukrainian market in 1998, and since then it enjoys a staunch reputation of socially responsible, reliable and stable institution providing its consumers with services of European quality standard.
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