In September, bank borrowers repaid over UAH 40 million early under restructuring programs

In September 2025, the Deposit Guarantee Fund (DGF) recorded a record early repayment of debts under loan restructuring programs. The total amount of proceeds amounted to UAH 40.75 million, which was the highest figure in the third quarter and the second result in a year after May.

According to the Director of the Bank Liquidation Department of the DGF, Tetyana Startseva, this result was possible due to the full early repayment of debts by two borrowers - JSC "Ukrbudinvestbank" and JSC "Cominvestbank". She emphasized that such examples demonstrate the effectiveness of the restructuring program and the increase in the responsibility of borrowers before state institutions.

In total, since 2022, liquidated banks managed by the Fund have received UAH 1.36 billion under restructuring programs. The popularity of these initiatives is constantly growing: more than 98% of borrower companies that applied for restructuring received a positive decision, and 93% of them conscientiously adhere to the repayment schedules.

Loan restructuring provides a number of advantages for debtors: it allows you to maintain a positive credit history, provides a convenient payment schedule, and helps avoid selling debt to third parties, which is often accompanied by additional costs or legal penalties.

For individuals, the DGFFO has extended the simplified repayment terms for the entire period of martial law - until August 31, 2026. Citizens can use preferential rates: 0.001% per annum and a symbolic commission of 1 kopeck. The minimum payments are UAH 10,000 for mortgages and UAH 1,000 for other loans, and UAH 5,000 per month for card loans over UAH 100,000. If the debt is not fully repaid before the bank’s liquidation is completed, it is sold only at the last stage.

To join the restructuring program, individuals must submit an application to the bank and make the first payment in accordance with the terms of the agreement. For legal entities and sole proprietors, separate rules apply, introduced since August 2023. They provide for a first payment of 5%, subsequent monthly amortization and full repayment of all debt — including interest and fees — within the framework of the liquidation procedure.

The rates on restructured loans depend on the duration of the program: for a term of up to 18 months — 0.1% per annum, from 19 to 24 months — 3%, and for more than two years — 5%. In this case, full repayment of the debt must take place no later than six months before the completion of the bank's liquidation.

The Fund emphasizes that restructuring remains an effective tool not only for reducing the debt burden, but also for maintaining financial stability in wartime. Thanks to transparent rules and flexible conditions, borrowers have a real chance to restore solvency, and the state — to return part of the funds invested in stabilizing the banking sector.