Expert opinion

After the discount rate is reduced to 13% and the National Bank introduces the Lending Strategy, banks will be able to significantly reduce interest rates on loans to enterprises in the most strategic sectors of the economy. This opinion was expressed by Olena Dmitrieva, First Deputy Chairman of the Board of GLOBUS BANK, on Suspilne TV channel.  

She believes that, according to the Lending Strategy, the banking system can significantly help implement the country's energy decentralization plan. At the same time, state-owned banks will lend mainly to large enterprises and state institutions. At the same time, commercial banks will focus mainly on lending to small and medium-sized businesses.

"Particular emphasis will be placed on war risk insurance when providing loans to enterprises in the de-occupied territories and territories most affected by armed aggression. This will allow more banks to join the Lending Strategy," the banker emphasized.

She recalled that the Ukraine Recovery Conference 2024 held in Berlin resulted in about 110 international agreements worth more than $16 billion.
The expert suggests that this will soon lead to the introduction of new government loan programs aimed specifically at lending to strategic industries: energy, defense, agriculture, manufacturing, and the purchase of energy-efficient equipment for business.

"The Berlin conference opens up financial opportunities for launching new loan projects aimed at solving several tasks simultaneously, such as building a decentralized energy-independent and defense-capable state with a strong economy, as well as more active development of bank lending on the most favorable terms for the borrower," summarized Olena Dmitrieva.