Banks were allowed not to default after restructuring
If a company has temporary financial difficulties related to a full-scale war, the bank will be able to carry out short-term debt restructuring for up to one year without automatically declaring the borrower in default.
This will apply to restructurings carried out between July 1, 2026 and September 1, 2027.
At the same time, the relaxation will be applied only when the bank believes that the company will be able to resume normal loan servicing after the end of temporary difficulties.
Access to loans has been simplified for farmers
Due to problems with export logistics, the NBU also changed the rules for evaluating agricultural products, which are used as collateral.
Until September 1, 2027:
● the liquidity ratio of such collateral was increased from 0.4 to 0.75;
● banks will be able to evaluate collateral based on actual product balances;
● the maximum term of a loan against such collateral was increased from 12 to 18 months.
It is expected that this will allow agro-enterprises to attract more funds for replenishment of working capital, storage of products and use of alternative delivery routes.
The changes also affected guarantees
Separately, the NBU established uniform rules for accounting for portfolio guarantees with two-level coverage. Such mechanisms, in particular, are used within the framework of the EU Ukraine Facility financial support program for Ukraine.
The regulator also specified how to determine the number of days overdue for personal loans in cases where the debt is partially or fully repaid through an overdraft or credit card.
What does the NBU say?
According to the head of the National Bank of Ukraine Andriy Pyshnyi, the new rules should help viable enterprises to go through a difficult period and not lose access to financing.
At the same time, the relaxations do not eliminate the need to assess credit risks. It is about giving banks more flexibility in relation to companies that have experienced temporary difficulties due to the war.
The decision comes into force on August 8
The relevant changes were approved by the NBU by Board Resolutions No. 88 and No. 89 dated August 7, 2026. The new rules come into effect on August 8.
The decision was made against the background of large-scale attacks on logistics and critical infrastructure. After the attack on August 5, the facilities of a number of large Ukrainian companies, including Rozetka, Epicenter, Novus, Novaya poshta, Fozzy Group, Puma, Toyota, Eurobeton, Liqui Moly Ukraine and Intertop, suffered significant damage.
Due to the destruction of logistics and production facilities, part of the business is already forced to relocate operations or look for alternative routes and capacities.
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