The NBU Has Expanded Lending Opportunities for Businesses and Communities Amid Intensified Shelling
The NBU has adopted a second package of measures to support lending to the Ukrainian economy amid intensifying shelling. The new rules are intended to expand access to bank financing for businesses and communities.
One of the key changes is the expansion of the list of collateral that banks can consider when assessing credit risk. This list now includes property rights to proceeds from goods already shipped, work already performed, or services already rendered. A liquidity ratio of 0.3 has been established for this type of collateral.
The NBU expects that this will facilitate lending primarily to manufacturers and retailers who have stable cash flows but insufficient fixed assets for traditional collateral.
The National Bank has also raised the liquidity ratio for unconditional and irrevocable guarantees issued by city and regional councils to 0.8. This should expand the ability of municipal and other enterprises to secure financing backed by local government guarantees, particularly for infrastructure and reconstruction projects.
In addition, the NBU has introduced uniform approaches for accounting for portfolio guarantees when assessing credit risk and has extended certain trial periods for banks.
The changes were approved by NBU Board Resolutions No. 98 and No. 99 dated September 3, 2026 and took effect on September 5, 2026.
The new regulatory measures are intended to give banks greater flexibility in lending to enterprises and communities operating under conditions of heightened military risks.
Source: National Bank of Ukraine
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