AUB partners news

In more than 2 months from the start of preferential energy lending programs, Globus Bank issued 55 loans for a total amount of UAH 42 million. Among them, 26 loans were issued to private households in the amount of UAH 10 million, 13 loans in the amount of UAH 14 million were granted to small and medium-sized businesses, and 16 loans in the amount of UAH 18 million were financed by condominiums participating in the "Energodim" and "GreenDIM" programs from of the Energy Efficiency Fund, including condominiums and condominiums within the framework of the state program "Affordable Loans 5-7-9".

Such data was provided by Dmytro Zamotaev, director of the retail business department of GLOBUS BANK.
The banker noted that energy loans were issued in 16 cities of Ukraine, in particular in Rivne, Poltava, Vinnytsia, Cherkasy, Zhytomyr, Uzhgorod, Ivano-Frankivsk, Dnipro, Odesa, Kharkiv, Sumy, Kyiv, Chernivtsi, Lviv, Lutsk, and Bila Tserkva.In addition, a total of 27 applications are currently being processed for energy loans.According to him, this result can be considered quite acceptable, and the increasing demand for energy loans may eventually transform into the liberalization of credit terms.

"Currently, we are observing a rapid increase in the demand of household owners for such loans — in October, the bank plans to triple the loan portfolio under energy loan programs," Dmytro Zamotaev emphasized.

The expert drew attention to the fact that the main reasons for loan refusals are the borrowers' failure to comply with the terms of participation in the programs. For example, for individuals, this is a high combined monthly income of the family for 6 months, which exceeds the amount of UAH 189,000 stipulated in the program, or the total area of ​​the house is more than 250 m2. On the other hand, for condominiums and condominiums, the refusal of credit happens extremely rarely, because only those organizations that do not have debts / or have insignificant debts to resource supply companies can submit an application.
The banker also announced the list of necessary conditions, compliance with which will guarantee the approval of the energy loan to the potential borrower.

For household owners:

1. It is necessary to submit a standard package of documents (passport, code, certificate from the place of work), title documents for the house and a certificate of having a personal account of a household electricity consumer.
2. It is necessary to decide on an equipment supplier and submit documents for the purchase and installation of power equipment.
   
3. An energy credit is issued exclusively to the owner of a house whose total area does not exceed 250 m2.
   
4. The combined average monthly income of all family members for the last 6 months should not exceed ten times the average monthly salary in Ukraine. That is, no more than 189,000 hryvnias.

For condominiums or condominiums:

1. Decisions/protocols of meetings of members of condominiums and condominiums with decisions on issuing documents for obtaining a loan for the purchase and installation of SES (the decision must be approved by the majority of apartment owners).
2. A package of documents: the legal entity's legal entity documents, financial statements, an agreement with the supplier of the equipment that is planned to be installed.
3. Condominiums and condominiums, in which the average level of collection of payments for the year is not lower than 85% of the approved estimate, and in which there is no overdue debt to resource supply enterprises, can receive a loan.

"At the same time, condominiums or condominiums can submit documents to the "Energy Efficiency Fund" DU in order to participate in the fund's programs, which provide for compensation of up to 70% of the cost of an energy-efficient project," the expert noted.

The expert pointed to a number of factors that can positively affect the development of energy credit programs. In particular, he noted the following among them:

1. Citizens are sufficiently aware of the terms of preferential energy credit and the benefits they receive from installing such equipment.
2. An indirect factor: a stable situation in the country's economy and on the foreign exchange market in particular.
3. Indirect factor: stable situation with energy supply.
4. Indirect "military" factors: from minimizing the consequences of enemy shelling to positive dynamics at the front.

Dmytro Zamotaev
Director of the retail business department of GLOBUS BANK

 ”

"We live in rather difficult military conditions, and the risks of interruptions in energy supply in the autumn-winter period are quite significant. This factor often forces potential borrowers to make a faster decision to participate in credit programs. Energy independence is a strategy that requires prudence, readiness for rapid and systemic changes. That is why we are quite optimistic: in the coming months, the number of issued energy credits may increase significantly," concluded Dmytro Zamotaev.

Reference:

COMMERCIAL BANK "GLOBUS" JOINT STOCK COMPANY (GLOBUS BANK) was founded in 2007.
As of July 2024, the regional network has 31 branches. All branches of the bank are part of the combined Power Banking network, which allows you to work in the absence of electricity.
GLOBUS BANK has a credit rating of uaAAA on the national scale, as well as a deposit rating of ua2+ on the scale of the Expert Rating agency.
The bank's priority areas of activity are lending to energy-efficient projects, mortgage lending on the primary market, car lending, lending to small and medium-sized businesses.
GLOBUS BANK is an accredited partner of a number of state programs: the state mortgage program "eOselya", the program of preferential lending for small and medium-sized businesses "5-7-9", "Affordable factoring", "Affordable financial leasing 5-7-9", "Energy independence of physical persons - owners of households".
The bank is a partner of the "Energy Efficiency Fund" DU in the lending programs of condominiums and housing cooperatives "Energodim" and "GreenDIM".
The bank is a participant of the "National Cashback" state program.
On June 25, 2024, GLOBUS BANK became one of the 17 largest Ukrainian banks that signed the Memorandum on lending to energy infrastructure restoration projects.
The Chairman of the Board of GLOBUS BANK Serhii Mamedov is the Deputy Chairman of the Board of Directors of the Confederation of Builders of Ukraine and the Vice President of the Association of Ukrainian Banks.

ESA has secured one more loan for Ecosphere for 180 million UAH!

This is the second successful case of cooperation between the Export Credit Agency, Ecosphere and UGB Ukrgasbank.
In 2023, the company has already received EUR 3.5 million of an export loan under the Agency's insurance, and we talked about them here
“ECA and UGB have a large portfolio of joint clients, but Ecosphere is one of the largest and we are pleased that the company continues to use our services.

This proves that ECA insurance really simplifies business for Ukrainian exporters,” says Ruslan Hashev, Chairman of the Board of ECA.
For more information, please visit the ECA website There you will find detailed information about the agency's products, contacts and an application form.
You can also find a plugin to check whether your UKTZED code falls under our terms and conditions. Contact us!

By the end of 2024, ⅔ of commercial banks, at least 50% of consumer goods producers, ⅔ of large retailers (supermarket chains, large specialty stores, etc.), and at least ⅓ of bank card users may join the National Cashback program.

This opinion was expressed by Anna Dovgalska, Deputy Chairman of the Board of GLOBUS BANK.

She reminded that on September 2, 2024, the National Cashback program announced by the President of Ukraine will be launched, according to which citizens will receive compensation for 10% of the cost of Ukrainian goods purchased by them.
According to her, the program's objectives are to stimulate the development of domestic producers of a wide range of goods, encourage citizens to buy Ukrainian goods with favorable prices, and develop cashless payments, as cashback will be credited to purchases made by bank card.
“This program can, on the one hand, encourage domestic producers to popularize their own goods by actually advertising them on the state platform Diia (buying Ukrainian will become fashionable), and on the other hand, increase the interest of citizens in purchasing goods from domestic producers (buying Ukrainian will become profitable),” the expert emphasized. 

Anna Dovgalska explained how the National Cashback program will work:

The buyer must open a special card to receive a refund for the purchase of goods from a bank that is a participant in the program and give permission to transfer transaction data from selected cards when buying goods in stores that have joined the program.
The buyer should update the Diia mobile application, select the National Cashback service and specify this special card for further cashback crediting.
If these conditions are met, when making a card payment, the buyer will receive a refund of a certain amount of the cost of the goods with its crediting to a special card. The cashback can be spent on purchasing medical supplies, paying for utilities, mobile services, transportation, certain entertainment (movies, sports, restaurants), and the Armed Forces, etc.

She said that a significant number of banks provide cashback services and this is no longer a novelty.
“Currently, bank cashback is very popular among customers. This service allows customers to choose categories of goods and services on a monthly basis and receive a refund of 1% to 5%. In other words, cashback is no longer something extraordinary, but an additional effective mechanism for loyalty and attracting new customers,” the expert emphasized.
She said that potential buyers who are already interested in getting a refund for their purchases should choose a bank participating in the National Cashback program and open a special card with it.
“The bank's task is to make it as easy as possible for customers to participate in this government program. It means a “non-burdensome” process of opening a special card, maximum transparency and informing customers about this program,” summarized Anna Dovgalska.

Reference:
JOINT STOCK COMPANY COMMERCIAL BANK GLOBUS (GLOBUS BANK) was founded in 2007.
As of July 2024, the regional network includes 31 branches. All branches of the bank are part of the unified Power Banking network, which allows them to operate in the absence of electricity.
GLOBUS BANK's credit rating on the national scale at uaAAA has been confirmed, as well as the deposit rating at ua2+ according to the scale of the Expert Rating Agency.
The bank's priority areas of activity are lending to energy-efficient projects, mortgage lending in the primary market, car loans, and lending to small and medium-sized businesses.
GLOBUS BANK is an accredited partner of a number of government programs: the state mortgage program “eOselya”, the program of preferential lending to small and medium-sized businesses “5-7-9”, “Affordable Factoring”, “Affordable Financial Leasing 5-7-9”, “Energy Independence of Individuals - Household Owners”.
The Bank is a partner of the State Institution “Energy Efficiency Fund” under the programs of lending to condominiums and housing cooperatives “Energodom” and “Grindim”.
The Bank is a participant of the state program “National Cashback”.
On June 25, 2024, GLOBUS BANK became one of the 17 largest Ukrainian banks that signed a Memorandum on lending to energy infrastructure restoration projects.
Chairman of the Board of GLOBUS BANK Serhiy Mamedov is Deputy Chairman of the Board of Directors of the Confederation of Builders of Ukraine and Vice President of the Association of Ukrainian Banks.

‘Ukrfinzhytlo and BISBANK have signed a general agreement and cooperation agreements. Citizens will be able to choose this bank when applying for participation in the programme using the Diia app, Ukrfinzhytlo's press service said.

In the primary market, BISBANK has already accredited a number of new buildings in Kyiv, Kyiv region, Lutsk, Dnipro and Poltava. Ukrainians will also be able to buy housing in the secondary property market with this bank.

From now on, it is possible to take out a loan under the eHouse programme at 11 partner banks.

The government programme ‘eHouse’ was launched in Ukraine in October 2022. As of August 2024, more than 12,000 families have purchased their own housing under the programme for more than UAH 19.2 billion.

In 2024, almost all mortgage transactions were concluded under the eHouse programme. There is almost no mortgage lending outside the programme. Two-thirds of eHouse loans continue to be granted at a 3% interest rate to certain categories of customers, primarily military personnel and law enforcement officers.