For People. For Business. For Ukraine’s Future:Raiffeisen Bank’s Results for the First Nine Months of 2026
The bank increased lending to small and medium-sized businesses by 45.1% and to microbusinesses by 38%, while its tax contributions exceeded last year’s figure by UAH 3 billion.
The war has reshaped Ukraine’s economy, but it has not brought it to a halt. People continue to plan their lives, entrepreneurs grow their businesses, and companies invest and create jobs. In these circumstances,the bank’s role is to remain a reliable partner: maintaining customers’ trust, financing businesses and supporting projects that matter for the country’s future.
“The bank’s financial resilience enables us to stand alongside our customers and the economy when support is needed most,” said Yurii Soroka, Deputy Chairman of the Management Board of Raiffeisen Bank.
Over the first nine months of 2026, Raiffeisen Bank’s assets grew to UAH 270.3 billion, while its loan portfolio reached UAH 100.3 billion. These are resources the bank puts to work in the economy, meeting the financial needs of individuals and businesses.
Net profit amounted to UAH 5.3 billion.
For People. More Possibilities in Everyday Banking
Raiffeisen Bank remains Ukraine’s third-largest bank by retail deposits. More than 1.7 million customers actively use the MyRaif app. The bank continues to develop its digital services to make managing money simpler and less time-consuming for Ukrainians:
Digital insurance: customers can now take out motor and travel insurance policies directly inMyRaif.
Simpler payments and transfers: a new feature that recognises IBAN payment details makes payments easier to set up, while automatic trackers help customers monitor their transfer limits.
Investing made accessible: customers can purchase Ukrainian domestic government bonds through MyRaif, starting from UAH 1,000, in just a few taps and without unnecessary paperwork.
Banking during air raid alerts: the bank is expanding its network of underground branches. Tensafe banking spaces are already operating in Dnipro, Zaporizhzhia, Sumy, Kyiv and Odesa.
Faster service with AI: more than 25 AI agents handle up to 20% of the bank’s operational workload—approximately 1.2 million operations every month.
Over the first nine months of 2026, Raiffeisen Bank increased lending to small and medium-sized businesses by 45.1% and to microbusinesses by 38%. Sole proprietors accounted for more than 90% of the bank’s new business customers since the start of the year. In September, seven in ten new sole proprietor customers opened their accounts through digital channels, including MyRaif.
For Business. Financing Growth
The bank is introducing new services and making financing more accessible to entrepreneurs:
Digital lending: customers can apply for a credit limit online using their tax return.
Finance leasing: funding for business machinery, equipment and vehicles.
Support for farmers: financing in partnership with Eridon at interest rates starting from 0.01% per annum.
Cooperation with the EBRD: the full EUR 200 million capacity of the risk-sharing programme is available to businesses. The bank’s customers can access 11 international financing programmes totalling more than EUR 600 million to invest in and modernise their businesses.
Investment partnerships: two memoranda signed at the Carpathian Summit to prepare projects worth EUR 20 million.
Tax tools: a tax calendar and tax calculation features for sole proprietors in MyRaif.
Digital merchant acquiring: businesses can enable payment acceptance through MyRaif without visiting a branch or submitting paper documents.
Foreign exchange services: the bank processes one in every ten dollars and euros in Ukraine's foreign trade.
ESG support: guidance for customers on meeting the ESG requirements of the Affordable Loans 5–7–9% programme.
Small business development: UAH 25 million allocated across five rounds of the Smilyvi (“TheBrave”) grant programme, supporting 247 businesses in 36 communities, including 153 veteran-owned businesses.
Ukraine’s food security remains an unwavering priority. Raiffeisen Bank continues to lead the agribusiness lending market, with a 14.7% market share.
Supporting women entrepreneurs is another dedicated area of the bank’s work. At the end of the first nine months of 2026, its business banking loan portfolio for women entrepreneurs reached UAH 3.7 billion.Women entrepreneurs also accounted for 38% of all loan applications in this segment during the same period.
For Ukraine’s Future. Investing in People and Communities
Tax payments are another important part of the bank’s contribution to the country. Over the first nine months of 2026, Raiffeisen Bank paid UAH 7.1 billion in taxes and levies to budgets at all levels - UAH 3 billion more than in the same period last year. Since the start of the full-scale invasion, the bank has also remained the largest humanitarian aid donor among Ukrainian banks.
Supporting Ukraine means more than financing the economy. It also means creating opportunities for education, employment and community recovery:
More inclusive banking: the bank continues to improve the accessibility of its digital services and was recognised at UCXE’26 as a leader among banks in adopting an inclusive approach. In addition, 206of its 253 operating branches meet accessibility standards.
Charitable giving through MyRaif: customers can support 14 charitable foundations and organizations directly through the app.
Education for children affected by the war: together with the Children of Heroes charity, the bank raised more than UAH 700,000 to provide additional learning opportunities for over 200 children who have lost parents due to the war.
Educational grants: in partnership with KSE Foundation, the bank awarded 12 educational grants to children of Ukraine’s defenders.
Safe learning environments: the ZAKHYSTOK. Safe Education project has equipped more than 100school shelters across 13 regions of Ukraine, enabling around 40,000 children to return to in-person learning.
Opportunities for veterans and their families: the bank became a partner of BEZ MEZH, a national platform bringing together services, opportunities and partner offers for veterans and their families.
Dedicated support for veterans: priority service for veterans and military personnel, alongside lending to veteran-owned businesses. Cooperation with the Association of Veteran Entrepreneurs ofUkraine includes UAH 4 million for the PRO MVB educational programme, UAH 2 million for the FinStream programme, and the development of joint initiatives.
“Ukraine’s future is being built today - by entrepreneurs who keep their businesses running, families who stay in the country, children who continue to learn, and people who find the strength to move forward. Our role is to support them: to remain a financially strong bank, create opportunities for growth and be a reliable partner for Ukraine,” said Nataliia Hurina, Chair of the Management Board of Raiffeisen Bank.
