The agro-industrial complex remains one of the key sectors of Ukraine’s economy, forming an extensive value chain — from raw material production to exports of finished products. Amid wartime conditions and macroeconomic turbulence, the stability of this chain is critical for the national economy.
According to Andrii Moisieienko, Member of the Management Board at Ukreximbank, nearly 50% of the bank’s performing private sector loan portfolio is allocated to enterprises in the agro-industrial complex and related industries. Over the past year, the volume of financing provided to the sector increased by almost UAH 9 billion.
The bank views agriculture as an integrated ecosystem encompassing production, processing, logistics, and external markets. According to Moisieienko, this approach ensures financing predictability for businesses while providing diversification and portfolio resilience for the bank.
Demand from agricultural producers remains strong for both long-term investment capital and seasonal working capital financing. The bank’s focus includes projects that enhance profitability and operational resilience, such as machinery modernization, construction of grain elevators, development of livestock and greenhouse complexes, launch of biogas and biomethane plants, cogeneration facilities, and local renewable generation.
Special attention is given to logistics and processing upgrades, enabling increased value addition and strengthening export potential.
In 2025, the bank supported financing for both major national agricultural holdings and regional producers. Key segments included oil and sugar production, as well as livestock and crop farming.
The bank notes that up to 80% of transactions, including investment deals, are now approved within 20 business days. Credit analysis processes have been optimized to accelerate decision-making.
A separate focus area has been support for agricultural producers in frontline regions, including the Chernihiv, Sumy, and Kharkiv regions. For such clients, the bank structured comprehensive financial solutions combining financing of production programs, machinery upgrades, and seasonal working capital support.
In a number of cases, transactions involved non-standard structures, including financing for the acquisition of land clusters and M&A transactions. Such projects required multi-level risk assessment, flexible collateral mechanisms, and the use of risk-sharing instruments.
In 2026, the bank plans to further expand agricultural financing with a focus on companies that create value added, develop processing capacities, and strengthen Ukraine’s export potential.
Key priorities include working capital support, development of pre-export financing, and participation in large-scale investment projects for modernization of elevators, processing facilities, and livestock operations.
According to the bank, the agricultural finance market is evolving from standalone loans toward comprehensive financial packages combining investment, operational, and export instruments. Demand for financing digitalization, automation, and energy independence projects is increasing.
