BANK LENDING OF BUSINESS IN UKRAINE UNDER THE CONDITIONS OF MARITAL STATE

Abstract

The article analyzes trends in bank lending in Ukraine during the period of martial law, focusing on payments on existing loans and receiving new loans. It examines the share of non-performing loans provided to economic entities and identifies an increase in their share during martial law. The article considers the conditions for introducing "credit holidays" and investigates debt restructuring methods such as deferral of payments, writing off part of the borrower's debt, and reducing the interest rate. The article also identifies vectors of state business support, including business lending during wartime and a grant program in Ukraine. The terms of the "Available loans" 5-7-9% program are examined, as well as the number, volume, and structure of credit agreements made under the program. The article notes that businesses have actively participated in the program, demonstrating a willingness to adapt and develop. State banks have played a significant role in the program, making up more than 80% of the total number of contracts. The article also clarifies the conditions for providing state grant support in Ukraine, investigates types of grants from the Erobota program, and identifies the main problems in the field of banking lending to businesses and their consequences for the Ukrainian economy.