National Development Institution (NDI) and Ministry of Finance Align with Partner Banks to Transform the “Affordable Loans 5-7-9%” State Program

The National Development Institution (NDI) hosted a working meeting with representatives of leading Ukrainian partner banks and the Ministry of Finance of Ukraine. The primary focus was optimizing and enhancing the efficiency of the government’s flagship “Affordable Loans 5-7-9%” program.

The dialogue brought together NDI Board Members, Dmytro Vasylyna (Director of the Financial Policy Department at the Ministry of Finance), and C-level executives from authorized partner banks.

Key Focus Areas & Strategic Shift:

• ESG Integration: Incorporating environmental and social standards to evaluate businesses. This enables banks to streamline borrower selection, filtering out non-essential entities and channeling state funds to those in genuine need.
• Targeted Allocation & Budget Savings: Clearer targeting reduces the burden on the state budget while allowing banks to receive state compensation faster, eliminating prolonged delays.
• Support for Agriculture & Critical Sectors: Revised terms address ongoing challenges, including port blockades, supply chain disruptions, and infrastructure damage.
• Focus on High-Risk Zones: The revised terms will help redirect preferential limits toward enterprises operating in high-risk war zones and severely impacted industries.

“Our shared goal with partner banks and line ministries is to make the ‘5-7-9%’ program a flexible, high-response tool. State aid must be targeted, directly supporting the survival and growth of businesses maintaining the economic front under the most demanding conditions,” highlighted NDI leadership.

Following the discussion, all parties agreed to consolidate actionable proposals from partner banks to further refine the regulatory and legal framework.