How loan restructuring works at banks undergoing liquidation
17 April 17:33
In March 2026, the Deposit Insurance Fund approved the restructuring of debts owed by five borrowers of RVS Bank totaling over 44.7 million hryvnias, according to "Komersant Ukrainian". Some of the agreements have already been signed.
What the Fund Decided
According to the Deposit Insurance Fund:
- 5 applications were reviewed
- they cover 7 loan agreements
- the total amount is UAH 44.7 million
- positive decisions were made on all applications
These are debts of a bank currently in the process of liquidation.
What has already been implemented
- Agreements have been signed with 4 borrowers
- 5 loans have been restructured
- Total amount: approximately 32 million UAH
Some of the agreements have already been put into practice.
Why this is important for the bank
According to Fund representative Tetiana Startseva, inflows to RVS Bank increased in March. One of the reasons is the repayment of restructured loans
This means that restructuring not only eases debt burdens but also returns funds to the system.
Overall trend
Since the beginning of 2022, banks in liquidation have received UAH 1.49 billion under restructuring programs. In the first quarter of 2026 alone—UAH 55.2 million
This indicates the systematic use of restructuring as a tool.
How restructuring works
The mechanism involves changing loan terms, extending repayment periods, and reducing the financial burden. The goal is to make the debt manageable, not to write it off.
What does this mean
For borrowers:
- the opportunity to avoid default
- more flexible repayment terms
For the Fund:
- recovery of funds from liquidated banks
- improved efficiency of liquidation
For the system as a whole:
- reduction in the share of non-performing loans
- stabilization of the financial sector
