OTP BANK summarized 2025 results and outlines key agri-financing trends
JSC OTP BANK has summarized the preliminary results of 2025 and shared its vision of the key agri-financing trends expected to shape the sector in the coming year. The Bank’s performance and market outlook were presented by Ivan Yerko, Head of the Agro Factory Division at OTP BANK, in an interview with AgroPortal.ua.
In 2025, under the Agro Factory program, the Bank extended UAH 2.5 billion in new loans to farmers with land banks of up to 10,000 hectares, significantly exceeding the 2024 figure of UAH 1.9 billion. In 2026, OTP BANK plans to further increase the volume of financing provided to agricultural producers.
Since the launch of the Agro Factory project in 2018, OTP BANK has financed agribusinesses for a total of UAH 10.5 billion and attracted 750 borrowers. On average, the Bank consistently acquires 100–120 new clients annually, with plans to increase this number to 150 next year.
Among the Bank’s key competitive advantages are fast credit decision-making, the ability to provide financing of up to UAH 20 million secured by agricultural receipts without additional collateral, participation in the state support program “5-7-9%”, as well as joint programs with the EBRD, offering cashback of up to 10% on energy-efficient equipment.
“We have also launched investment loans for land acquisition with tenors of up to seven years and a 20% down payment, which is currently one of the most competitive offers on the market. Overall, OTP BANK provides a full range of credit solutions tailored to client needs, including promissory note financing,” Ivan Yerko commented.
The Bank actively supports innovative and energy-efficient projects, operates in line with ESG standards, and provides financing to agricultural producers from sensitive and underrepresented groups, including women-owned businesses, veterans, young entrepreneurs, and internally displaced enterprises.
Among the key trends for the coming years, OTP BANK highlights the growing volume of bank financing for land purchases by legal entities, the expansion of subsidized lending programs, and the continued development of investment lending.
“Supporting agricultural producers during challenging periods is the foundation of long-term partnerships. This approach enables banks to make a tangible contribution to Ukraine’s food security and financial resilience,” Ivan Yerko emphasized.
Previously, for its systemic support of the agricultural sector, OTP BANK was honored with the “AGRO Champions. 10 Years in Agro” reputational award in the “Leader in Financial Support of Ukraine’s Agricultural Sector” category, presented by AgroPortal.ua.
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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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