How Credit Agricole Contributes to Ukraine’s Recovery

The country’s recovery is not an event that happens “after”, but a process that is in action despite the most difficult challenges. A year ago, Credit Agricole defined a clear course of action by launching AIR-2028 – Aim is to Invest in Recovery strategy. Its bottom line is to start investing into Ukraine’s recovery right now by cooperating with those driving the economy, developing communities, and supporting country’s resilience even during war.

We are here to contribute to Ukraine’s recovery. Recovery begins with economic activity of businesses, manufacturers, and workplaces. Credit Agricole contributes to this sector through systematic financing of the customers: as of October 1, 2025, the bank’s loan portfolio reached UAH 32.4 billion. These are the funds that aid the development of Ukrainian businesses, as well as drive the consumer demand in Ukraine. The bank provides finances for customers that continue working in the highly dangerous regions, preserving the economic activity in places where it is needed the most. Special attention is paid to the crucial industries, in particular, agriculture, which provides food security in Ukraine. From the start of the full-scale invasion, Credit Agricole provided agribusinesses with UAH 6.8 billion of financing as part of the “Favorable Loans 5-7-9%” program and UAH 2.1 billion within the State Guarantee Program. For over 15 years now, Credit Agricole has been a strategic partner for the agrarians, providing services for over 2,500 agricultural companies and offering over 70 partnership programs: from funding seasonal needs to upgrading agricultural machinery fleet and developing energy efficient and sustainable solutions.

Another strategic area is energy. Credit Agricole financed around 10% of Ukraine’s new energy generating capacities. Such investments strengthen the resilience of businesses and communities by reducing their vulnerability in critical situations.

The bank is forming partnerships with the financial organization to make financing more accessible to businesses. The total value of Credit Agricole’s agreements with the European Bank for Reconstruction and Development (EBRD) and the International Finance Corporation (IFC) reaches EUR 440 million, of which the significant amount is provided to the agricultural sector. In 2025, the bank continued its active cooperation with the international financial organizations: during the Ukraine Recovery Conference in Rome, the agreement was signed with IFC on risk sharing (RSF) for EUR 100 million. In December of 2025, EBRD expanded its new program of portfolio risk sharing, which allows to provide the Ukrainian borrowers loans for EUR 150 million. Such mechanisms give capabilities to finance enterprises even in places near the line of contact.

At the same time, the bank supports the consumer demand: favorable financing programs help Ukrainians plan large purchases and preserve mobility. Over 80 thousand customers have already purchased a car together with Credit Agricole. Moreover, the bank launched target cash loans for cars with mileage and education. To enable customers to use loan funds swiftly, conveniently, securely, and with no plastic, Credit Agricole has opened an option of getting Digital card online via CA+ mobile app.

The bank’s stability is confirmed by the trust of its depositors: the deposit portfolio of the customers amounts to UAH 97.6 billion as of October 1, 2025.

We are here to support the society. Financial resilience allows Credit Agricole to systemically contribute to the country’s recovery not only through banking products. From the beginning of the full-scale invasion, Credit Agricole has paid nearly UAH 10 billion in taxes and fees, entering the TOP 5 of largest taxpayers within the banking sector. These are the resources that support the defense, social programs, and country’s development.

Through the “We Care!” corporate program of social responsibility, the bank develops a range of charity projects. From the start of the full-scale invasion, Credit Agricole has realized charitable initiatives amounting to UAH 190 million. One of the largest projects became the support initiative for the Kyiv Perinatal Center, reaching UAH 50 million this year. The center’s priority is to provide highly qualified medical care to women with high obstetric and perinatal risk, in particular, with premature deliveries even on the 22^nd week of pregnancy.

We are here to take care of our team. At the heart of the AIR strategy are people who daily support the bank’s resilience and are behind all the achievements and results. Taking care of the team is a long-term investment, without which the recovery is impossible. Credit Agricole Group has been operating for 140 years and has been present in Ukraine for 32 years. Responsibility culture and international Group’s support provide the employees with the feeling of security in times of insecurity.

Caring for the well-being of the employees has a practical dimension: health insurance, consultations with professional therapists when needed, additional financial support, days off, and the possibility of remote work. A separate emphasis is placed on growth. Credit Agricole invests in the team’s education through internal educational programs, compensating external courses, and its own educational platforms, such as Agri School, Proximity University, and Managerial School. For the youth, a paid internship program, Young Professionals, is in place, which annually opens opportunities to acquire the profession to tens of students. A strong team is the team that grows together with the business.

AIR strategy is implemented by people. These people make recovery not an abstract goal, but a daily work that is measured by specific results. Aim is to Invest in Recovery is a long-term approach in which every investment today becomes a contribution in the stronger economy, resilient communities, and Ukraine’s future, which is already in the process of recovery.