Customers of bankrupt banks are actively repaying their debts: new data from the Deposit Guarantee Fund
26 February 02:24
Borrowers of banks undergoing liquidation continue to actively repay their debts. In January 2026, the Deposit Guarantee Fund (DGF) received UAH 19.63 million under restructuring programs. This was reported by the Fund’s press service, according to "Komersant Ukrainian".
Who paid the most
The bulk of the funds — UAH 19.19 million — was returned by business representatives (legal entities). The rest of the amount came from individuals repaying consumer loans.
The DGF emphasizes that stable inflows allow it to generate cash flow for further settlements with creditors of bankrupt banks.
Tetyana Startseva, director of the bank liquidation department, noted that restructuring programs demonstrate the effectiveness and high level of financial discipline of borrowers.
Over UAH 1.45 billion since the start of the war
Since the beginning of 2022, borrowers have repaid over UAH 1.45 billion under restructuring programs.
At the same time:
- 98% of entrepreneurs who applied for restructuring received a positive decision;
- over 93% of them are conscientiously following the approved payment schedules.
Preferential terms for individuals (until August 31, 2026)
Simplified conditions apply to citizens during martial law:
- rate — 0.001% per annum;
- commission — 1 kopeck.
Minimum monthly payments:
- UAH 10,000 — for mortgage loans;
- UAH 5,000 — for card loans over UAH 100,000;
- UAH 1,000 — for other consumer loans.
If the borrower complies with the terms and conditions, their debt is put up for sale as part of the bank’s liquidation as a last resort.
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Terms for businesses and sole proprietors
The following conditions apply to legal entities and individual entrepreneurs:
- initial payment — 5% of the debt amount;
- rate up to 18 months — 0.1% per annum;
- 19–24 months — 3% per annum;
- over 2 years — 5% per annum.
Full repayment must take place no later than six months before the completion of the liquidation of a particular bank.
How to take advantage of the restructuring program
Individuals must submit an application to the creditor bank and make the first payment according to the schedule.
Legal entities and sole proprietors should contact the bank for consultation and preparation of a package of documents.
The Fund emphasizes that restructuring is a real opportunity to settle debts on preferential terms and avoid additional financial risks.
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