Half of OTP Bank’s loan portfolio is allocated to the agricultural sector
Demand for agricultural financing at JSC OTP Bank has increased significantly and continues to grow. This was stated by Olga Volkova, Director of Sales for Medium and Small Corporate Clients at OTP Bank, during the Agro Ukraine Farming 2026 conference held as part of the international Agro Ukraine Week 2026 forum.
Over the past nine years, Agro Factory has become one of the Bank’s key instruments for supporting agribusiness. Designed to provide fast and simple financing solutions for agricultural producers, Agro Factory has enabled OTP Bank to finance nearly 800 small and medium-sized farming businesses, with the total volume of financing exceeding UAH 12 billion, half of which was secured by agricultural receipts.
“In 2026 alone, the Bank has already provided nearly UAH 2 billion in new loans to farmers. This demonstrates the growing confidence in financial instruments among agricultural producers,” said Olga Volkova.
The Bank’s financial products are tailored to the specific needs of agricultural businesses. Working capital loans are available for up to three years, while investment loans can be provided for up to seven years, with repayment schedules aligned to the agricultural production cycle.
“We take seasonality into account and structure financing in a way that does not create an additional burden for our clients,” she emphasized.
Partnership programs remain an important financing channel, allowing farmers to access funding on preferential terms. According to Olga Volkova, more than UAH 300 million has already been financed through such programs in 2026, with interest rates starting from 0.01% per annum.
OTP Bank also actively leverages government and international support programs, enabling clients to receive cashback incentives ranging from 10% to 30% of the loan amount.
In addition, the Bank continues to digitalize its processes. Following the launch of the new AgroPortal, clients can now apply for financing online.
“We are moving toward the full digitalization of customer interaction - from the initial application to the final credit decision. This significantly simplifies access to financing for farmers,” noted Olga Volkova.
“We do more than provide financing - we help agricultural businesses grow. Real-life examples of farms that started with loans of just a few million hryvnias and increased their financing to more than UAH 100 million within a few years are the strongest proof of the effectiveness of our approach,” she concluded.
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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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