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Укр AUB press center
AUB press center
884 thousand Ukrainians, or 95% of consumers who have marked their cards for cashback payments in Diia, see the accrued cashback. These are the results of four weeks of beta testing of the program.
Yulia SvyrydenkoMinister of Economy of Ukraine
“During the testing period of the National Cashback program, Ukrainians have already received UAH 42 million in cashback for purchases of Ukrainian goods. More than 1.6 million Ukrainians have joined the program and issued 1.8 million cards. However, only 926 thousand users have activated cards for payments in Diia. Therefore, for those who have not yet done so, there are a few simple steps: in the Diia app, in the Services section, select National Cashback and select a card for payments opened in one of the partner banks,” said Yulia Svyrydenko, First Vice Prime Minister of Ukraine, Minister of Economy of Ukraine.
Another outcome of the fourth week of cashback beta testing was the progress in transmitting transaction information by banks. Thanks to this, most consumers can already see the cashback accrued to them at the end of the next day after the previous one. For example, Diia users saw cashback for purchases made on September 29 in the evening of September 30. While the process of transmitting and processing transactions is not yet fully stable, adjustments are ongoing.
At the beginning of a new month, all users see the amount of cashback accrued in Diia for October. Ukrainians will receive cashback for September on their National Cashback card by October 20. Do not forget to mark the card for payments in Diia. Meanwhile, in a few days, you will be able to see cashback for the previous month in Diia. As of the beginning of this week, a number of retail chains have already labeled goods on the shelves and placed signs in stores about joining the National Cashback program. These are Epicenter K, Nova Liniya, Aurora, Tavria V, Kopilka, WOG, Budynok Igrashok, Apteka Z, Comfy, Simi, Thrash!
Over the past week, new retail chains have joined the project - Nash Krai, SPAR, Kolo. We would like to draw the attention of retail chains and individual stores that are just joining the program to the importance of marking cashback products on the shelves. A package of marketing materials for price tags, store entrance signs, etc. can be downloaded here.
The state's “national cashback” is already available for 235 thousand Ukrainian goods from 1234 local manufacturers.
As a reminder, to receive cashback from the state, you need to:
- Apply through the website or mobile application of a bank participating in the program or contact a branch.
The following banks have joined the program: PrivatBank, Monobank, Ukrgasbank, Sense Bank, FUIB, Abank, Globus Bank, UKRSIBBANK BNP Paribas Group, Oschadbank, Accordbank and Credit Dnipro Bank. - Identify the cards from which you pay for purchases and give the bank permission to transfer information about transactions from these cards in participating stores.
- Open a physical or virtual card to which cashback will be credited.
- In the Actions section of Services, select the National Cashback card for payments.
Cashback in the amount of 10% of the cost is accrued for the purchase of goods from Ukrainian producers included in the program. Exceptions are excisable products (fuel, tobacco, and spirits). Cashback also applies to medicines made in Ukraine, wine without alcohol and honey drinks.
The maximum amount of payments is UAH 3 thousand per month. The funds accumulated during the month will be transferred to the created card once a month until the 20th of the following month.
The funds received for participating in the National Cashback program can be spent on services such as utilities, transportation, medical treatment, mobile communications, sports, movies, etc. It will also be possible to donate to the Armed Forces or buy military bonds.
It will be impossible to withdraw cash from the account where cashback funds are credited. Cashback funds accrued in 2024 can be used until January 31, 2025.
For reference:
The National Cashback program is coordinated by the Ministry of Economy of Ukraine. The project is implemented by the Ministry of Digital Transformation of Ukraine, the State Tax Service, Oschadbank and authorized banks of Ukraine, and the Government Contact Center. The international payment system Mastercard is a technological partner in the program. The operational partner of the project is Visa, an international payment technology company.
AUB Press Office
More than 13,000 Ukrainian families have become homeowners thanks to eHouse for more than UAH 21 billion. These are the results of the eHouse program, which was launched two years ago, according to Ukrfinzhytlo.
2022: the program started as a 3% mortgage for certain categories - military and law enforcement officers, doctors, teachers, and scientists.
2023: we launched a mass mortgage at 7% per annum for all Ukrainians in need of housing.
2024: we added private houses to eHouse, implemented the possibility to use the #eRestoration certificate and reduced the down payment for young people.
This year, we also focused on the primary market and significantly increased the choice of housing at the construction stage: there are already 82 developers, 101 residential complexes and 174 houses in eOselya.
“Today, eOselya is one of the most successful mortgage lending programs since Ukraine's independence and is the undisputed leader,” said Yevhen Metzger.
More figures:
the most popular category under 3%: military and security personnel (7,419)
the most popular category under 7%: Ukrainians who want to buy their own home (2,691)
the most popular partner bank: Oschadbank
the most popular region for consumers: Kyiv and Kyiv region
average housing area 56.6 square meters
average real estate value: UAH 2.2 million
AUB press center
UAH 90.9 million was paid by authorised banks to farmers under the programme of partial compensation for the cost of agricultural machinery and equipment made in Ukraine (25%). The Ministry of Economy approved the relevant orders within three months of the state support programme.
Andriy TeliupaDeputy Minister of Economy of Ukraine
‘This government programme is very popular among farmers and Ukrainian producers and demonstrates real results. In just three months of the programme, agricultural producers have received payments from the state for the purchased Ukrainian machinery. The number of participants in the programme, both farmers and machinery manufacturers, is constantly growing, and the supply of agricultural machinery and equipment on the market is increasing, which stimulates the development of the machine-building industry, which means jobs, taxes and the country's budget. We have allocated UAH 1 billion for the programme for 2024, so I urge agricultural producers and machinery manufacturers to join the programme, which is part of the Made in Ukraine policy,’ said Andriy Teliupa, Deputy Minister of Economy of Ukraine.
In particular, they received compensation:
- in April - over UAH 220 thousand (3 farmers);
- in May - over UAH 18.6 million (93 farmers);
- in June - almost UAH 72.2 million (204 farmers).
Over the three months of the programme, 300 agricultural enterprises purchased 460 units of Ukrainian machinery and equipment worth UAH 435.5 million.
According to the data received from authorised banks, almost UAH 62 million of partial compensation for the purchase of Ukrainian-made agricultural machinery and equipment is planned to be paid to farmers in July.
AUB Development Manager
- Source: The Ministry of Economy of Ukraine
Today, the Ministry of Economy of Ukraine has signed the second cooperation agreement under the state program “State Stimulation of Industrial Parks Creation”. Ukrgasbank became the second state-owned bank to join the program. Support for industrial parks is part of the Made in Ukraine policy initiated by President Volodymyr Zelenskyy.
As a result, the initiator or management company of industrial parks can apply for state incentives in two key areas.
The first area involves non-repayable financing for the development of industrial parks and the construction of the necessary engineering and transportation infrastructure. This includes roads, communication lines, gas, water, and electricity supply. This will greatly facilitate the development of industrial parks and help create attractive conditions for investors.
The second area provides an opportunity to receive compensation for the costs of connecting and connecting to engineering and transport networks. This compensation will reduce the financial burden on project initiators and facilitate the faster commissioning of industrial parks. It should be reminded that during the martial law period, compensation is provided only for connection to the power grid.
The signing of the agreement with Ukrgasbank is an important step in the development of industrial parks. Cooperation with the banking sector will provide initiators with access to non-repayable financing for infrastructure development and compensation for the cost of connecting to utility networks, which will greatly simplify project implementation and create attractive conditions for investors.
Yulia SVYRIDENKOFirst Vice Prime Minister of Ukraine, Minister of Economy of Ukraine
“Every dollar invested in industrial parks brings significant private investment and creates new jobs, which is critical for economic recovery. Industrial parks ensure the development of infrastructure, attract investments in production facilities, equipment and technologies, create new jobs, strengthen the economy and increase its international competitiveness,” - said Yulia Svyrydenko, First Vice Prime Minister of Ukraine and Minister of Economy of Ukraine.
Rodion MOROZOV Acting Chairman of the Board of Ukrgasbank
“It is very important that the government has created a mechanism to stimulate the creation of industrial parks. Their support will help develop the economy, especially the processing industry, create new jobs and, of course, attract investments into the country, which are necessary, in particular, for the post-war recovery of Ukraine. Ukrgasbank, as the authorized bank of the program, offers a wide range of services to the participants of industrial parks, as well as support for imports and exports through trade finance and lending instruments, including for exporters,” - said Rodion Morozov, Acting Chairman of the Board of Ukrgasbank.
The Ministry of Economy is expected to sign a similar agreement with another state-owned bank in the near future. This will expand opportunities to attract state funding and support for industrial park projects, promote their development and increase the international competitiveness of the Ukrainian economy.
As a reminder, 86 industrial parks have already been registered in almost all regions of Ukraine. 60 of them have management companies, 10 have participants, and 16 have other entities. During the first and second quarters of 2024, 11 industrial parks were included in the Register, which is more than in 2022. Also this year, 5 parks were excluded.
The state budget of Ukraine for 2024 provides UAH 1 billion to stimulate the creation of industrial parks. In March 2024, the Procedure for the use of budget funds was approved. The updated Procedure provides for the provision of funds on a non-refundable basis (50% of the estimated cost) to management companies of industrial parks for the arrangement or construction of engineering and transport infrastructure, as well as reimbursement of 50% of the cost of connection to the power grid.
Management companies will be able to implement larger projects, as the maximum incentive amount has been increased from UAH 60 million to UAH 150 million, with co-financing of the work in a 50-50 ratio. Management companies of industrial parks from the de-occupied territories will be able to implement projects in a co-financing ratio of 80 to 20.
Certain safeguards have also been introduced. Each applicant undertakes to build at least 5,000 square meters of industrial buildings on the territory of the industrial park within 3 years and to attract at least 2 participants. All incentives will be provided through escrow accounts to be opened by applicants in state-owned banks.
Why is the development of industrial parks so important for Ukraine?
According to international and local studies, every $1 invested in the infrastructure of an industrial park brings $10-20 in private investment in production facilities, equipment, and technology. Industrial parks create about 50-100 jobs per hectare (depending on the industry). The annual income of industrial parks' participants is approximately $7-10 million per hectare, making industrial parks real economic engines.
The development of industrial parks and thus attracting investment in the real sector is part of the “Made in Ukraine” policy initiated by President Volodymyr Zelenskyy.
AUB Development Manager
- Source: The Ministry of Economy of Ukraine
AUB Development Manager
Several leading banks have signed an Addendum to the Memorandum on Bank Lending for Energy Infrastructure Rehabilitation Projects aimed at detailing the terms of financing to make it as clear, accessible and systematic as possible.
The signing of the Memorandum itself, which took place on June 25, was the first step towards broad financing and practical implementation of a large-scale program to restore the country's war-affected power system.
According to the Addendum, the basic interest rate on the loans will be 13.5% per annum or UIRD3M + 0.5% for the first year of financing. Starting from the second year, the rate will be floating and will not exceed UIRD12M + 3%.
To ensure transparency and accessibility of information, each bank participating in the Memorandum undertakes to publish loan product standards on its official websites. These standards will take into account the client's risk profile and lending conditions, such as the type of project, level of own contribution, loan amount, term, availability and sufficiency of collateral, as well as sureties or guarantees.
Governor of the National Bank of Ukraine Andriy Pyshnyi during an expanded meeting of the Presidium of the Congress of Local and Regional Authorities chaired by President of Ukraine Volodymyr Zelenskyy said,that 19 Ukrainian banks have now joined the memorandum. According to the document, they will be able to provide preferential lending for energy infrastructure restoration projects.
"This is an unprecedented, historic moment. We managed to unite 19 banks under this memorandum, which provides support for the restoration of energy infrastructure. An important element is that this memorandum united state, commercial and capital development banks at the same time," emphasized Andriy Pyshnyi.
Addendum to the MEMORANDUM OF BANK LOANS FOR ENERGY INFRASTRUCTURE REPAIR PROJECTS
