In 2024, First Ukrainian International Bank actively implemented projects aimed at developing the business environment and supporting businesses.
Payment of taxes
Despite the losses caused by the war, FUIB still pays all taxes on time. For 2024, the bank transferred more than UAH 6.9 billion to the state budget. This is 2.5 more than last year. FUIB joined the list of the is among thеe Top 5 largest taxpayers in the banking sector.
Business continuity plan
FUIB has had a business continuity plan since 2011, when the bank created the Business Continuity Management System (hereinafter referred to as the BCMS). BCP (business continuity planning) plans are reviewed annually and are a Strategic Response Plan within the framework of Operational Risk Management, which defines a systematic approach of the bank's behavior in building relationships with all stakeholders in the event of an emergency.
Main BCP priorities:
- save the lives and health of employees and customers at the time of an emergency;
- identify critical processes and ensure their functioning in the event of an emergency;
- maintain a high level of bank management, which allows to provide conditions for making informed and optimal management decisions;
- ensure the ability to make settlements in accordance with the obligations assumed.
In 2024, the bank continued to adapt its BCMS approaches, taking into account the experience gained during the full-scale war. The bank clearly defines approaches to managing critical personnel for the continuous performance of critical functions and processes. During the war period, the bank promptly responded to other emerging threats: blackouts and Internet outages (providing head office, branches and critical staff with generators and starlinks), cyber threats, threats to staff (the ability to work online from safe locations, the ability to work in an office with guaranteed power supply and satellite Internet, assistance in evacuation, etc.) FUIB guarantees the continuity of its critical processes.
Support of businesses
FUIB constantly monitors the course of events in the country and analyzes the situation of its clients in order to provide timely support to Ukrainian business under any circumstances.
Financing of Ukrainian business
FUIB actively provides loans to finance the development of all business sectors in Ukraine. Since the beginning of the war, the bank has financed its business in the amount of UAH 81.4 billion.
In 2024, the bank retained its leading position in terms of lending to small businesses and it is a support for the development of small businesses in Ukraine. FUIB works with various small business sectors and has a diversified loan portfolio by industry and type of activity.
In 2024, the bank actively developed innovative lending technologies based on the use of large amounts of public information. For small business customers FUIB has implemented the technology of pre-approval of loan offers even before the customer applies to the bank with the need for lending. This technology allows existing and potential customers of the bank to receive a loan offer without providing packages of documents. In 2024, small business customers were granted more than UAH 2 billion in new financing limits based on decisions previously approved by the bank. The bank also provided more than UAH 1 billion of increased financing limits to existing borrowers of the bank on the basis of absentee decisions.
In 2024, the bank implemented an opportunity for participants of the state support program 5-7-9 to interact through the FUIB Digital Business website to submit regular reports provided for in the terms of the program. This functionality reduces customers' time spent on document management with the bank and allows them to submit reports in a remote format.
The main product for financing small businesses was and still is the general lending limit. It allows to have constant access to a wide range of financing forms of the customers’ choice when they need it: loans, credit lines, overdrafts, guarantees, bill availing, state support program 5-7-9, state portfolio guarantees program. FUIB offers its customers not just meeting their current financing needs, but a long-term financial partnership aimed at developing the customer's business. The bank also retains its leading position in factoring financing and leasing.
In the reporting year, medium-sized corporate customers were financed in the amount of UAH 4.6 billion. FUIB actively provided medium-sized businesses with free advice, support and assistance in solving financial issues.
In 2024, FUIB also continued to implement socially oriented programs for large corporate customers. The 5-7-9 concessional lending program allowed businesses to be financed in the amount of UAH 915 million, and concessional financing for energy-efficient projects in the amount of UAH 53 million was also provided. In 2024, the bank financed (extended) loans to large business customers for a total amount of UAH 21.87 billion. Growth in 2024 is + UAH 4.48 billion. Of these, financing for the needs of the agricultural industry is UAH 6.27 billion (growth in 2024 is + UAH 0.35 billion), for light industry it is UAH 6.94 billion (growth in 2024 is + UAH 1.08 billion), for heavy industry it is UAH 8.38 billion (growth in 2024 is + UAH 3.49 billion).
One of the priority areas for the development of large corporate business in 2024 was the "Defense Tech" industry, whose customers the bank actively attracted, provided advice, financing and support on all issues and provided loans in the amount of UAH 270 million.
Loans to renewable energy and green businesses
In 2024, FUIB actively supported the renewable energy businesses, in particular solar power plants, which accounted for 3% of the total commercial portfolio of medium-sized businesses. The bank established special conditions for such customers, contributing to the development of environmentally sustainable and energy-saving projects.
FUIB plans to continue financing renewable energy sources in 2025 and participate in the program for financing the military-industrial complex in accordance with Resolution of the Cabinet of Ministers of Ukraine No. 1288. The bank will continue to actively support sustainable business development and work on implementing inclusive and responsible financial solutions.
Additional business development opportunities
In 2024, FUIB continued to support small businesses in the context of ongoing war, providing additional opportunities for development and stability. One of these initiatives was the possibility of free service to small business customers for up to 24 months under the terms of the "Invite a partner" referral program. This program allows entrepreneurs to get free service in exchange for attracting new customers. This approach helped not only save money for entrepreneurs, but also expand the customer base through mutual support between partners.
In the reporting year, the bank launched several initiatives to support socially vulnerable groups of the population. One of them was the "Unbreakable Business" tariff package, aimed at supporting war veterans and military personnel. This package is designed for new and existing customers-individual entrepreneurs who have the status of persons with disabilities due to the war or are participants in military operations in connection with russia's military aggression against Ukraine. The package is also available for war veterans who won the bank's educational grant program "Live towards". Under this tariff package, the cost of monthly maintenance is only UAH 1. In addition, the package includes 1 POS terminal, 15 free payments outside FUIB, as well as free transfers of funds between accounts up to UAH 60,000. This allows veteran entrepreneurs to significantly reduce their banking costs and focus on developing their business.
As of the end of 2024, the number of small, medium and large businesses and state-owned enterprises serviced by FUIB amounted to 142.7 thousand. Over the year, the increase in customers was +22.1 thousand (+18.3%). The increase was due to personalized products, in particular lending products, in accordance with business needs, government financing programs, favorable interest rates, flexible approach and speed of solving customer tasks.
Educational and cultural projects
In 2024, FUIB remained a strategic partner of the Kyiv School of Economics (KSE), which is one of the best schools in Central and Eastern Europe.. Our partnership is already 8 years old. This is more than 70 recipients of grants from the bank. This is a community of talented young Ukrainians who are already implementing changes.
10 KSE University students received scholarships to study economics and big data thanks to FUIB's investment of $100,000. Their skills will work to win tomorrow: in business, public administration, and investment. Scholarship support is provided to talented military children, wounded soldiers, young people affected by military operations and young people who demonstrate high academic abilities.
15 students of technical specialties and 3 postgraduates of Kyiv Aviation Institute received 6-month scholarships for the development of their projects from FUIB bank. These are students of the Faculty of Aerospace, the Faculty of Computer Science and Technology, and the Faculty of Aeronautics, Electronics, and Telecommunications. All scientific developments of talented young people relate to defense technologies that are currently relevant for the country. In total, within six months, each graduate student received a total of UAH 136.6 thousand, and students – UAH 111.8 thousand and UAH 74.5 thousand, depending on the complexity of the project.
Training and employment of capable young people is an important component of qualitative changes in the country. Therefore, we help developers-students focus on self-development and research, so that they may confidently plan their future in Ukraine.
Integration of war veterans
In the summer of 2024, FUIB, in partnership with Superhumans, Veteran Hub, InvictusGames, Uklon, and Heart of Azovstal, launched social platform "Live towards", that helps war veterans, in particular those with disabilities and disorders after serious injuries, to integrate comprehensively into financial processes, labour relations, entrepreneurship and society as a whole. The social platform creates a large supportive community of veterans and civilians. The first projects of the platform were: Financial restart chatbot is a 5-week educational program with daily advices and tasks that increase the level of financial literacy; inclusive Financial hub is a space where educational events are held for veterans and their families with economic experts who help them understand how to effectively manage their own budget, understand the psychology of spending and various opportunities for earning, investing, lending, etc.; Photo project with Central Store - portraits of veterans in the main windows of the country, the author of the photo is Kostiantyn Liberov, whose photos from the front have spread all over the world. Each photo is a personal story about the hero's path to a full life, which was overcome thanks to the support of those who are nearby. We also created Manifesto of equality of various – a special installation (the first mannequins with prosthetics and on a wheeled chair in Ukraine), which symbolizes the power of unity. We started veteran TG Channel "Live towards", in which the co-authors are veterans. The TG-channel brought together 7 thousand veterans and their friends.
In total, we have attracted 12 thousand veterans and female veterans to the platform's projects. We covered 16 million Ukrainians with communication about the importance of supporting them.
In October 2024, FUIB, in cooperation with Future Development Agency and KSE Business School, launched educational and grant program for the development of veteran business "Live towards". The program provides an opportunity to receive a grant from UAH 500 thousand to 1 million for launching or developing your own business. Out of 297 applications received for participation, 30 teams were selected for a training course with business experts and business mentors. Upon completion of their training at KSE Business School, 24 teams submitted their business plans to the jury for consideration. Based on the results of the defense, 14 winners were selected. They started developing their business with the grants they received and have expert and mentoring support for three months.
In April 2024 FUIB became title partner of the training and participation of a Ukrainian team of 35 military personnel and war veterans in the Invictus Games Vancouver Whistler 2025. The international competition was attended by 35 military personnel and veterans who were wounded, injured or ill during or as a result of performing their official duties in the war zone in the Russian-Ukrainian war since 2014.
With the financing of FUIB Bank, "Cultural Forces" launched "Frontline Studio" in May 2024 – a project to promote military musical culture, to record and promote songs created or performed by military personnel, direct participants in the war. As part of the "Frontline Studio", a season of 14 video episodes was released on the Cultural Forces Music YouTube channel, as well as a music album recorded at the front in a mobile recording studio.
The presenters were Mykolai Sierha, a serviceman and head of the "Cultural Forces", and Oleksandr Chemerov, a musician and music producer of the "Cultural Forces". The audience of "Frontline Studio" saw the process of creating the song from A to Z, learned the life stories of the military, their path in the war and creativity, which they did not leave even during fierce battles. About a hundred musicians took part in the recording of the songs, in particular, the Heroes of Ukraine, the Honoured Academic Song and Dance Ensemble of the Armed Forces of Ukraine, Orchestra 59, the Children's choir "Zlatnytsia" from Pokrovsk, opera singers, poets, chaplains, as well as the leader of the group "Queens of the Stone Age" Josh Homme. The songs are recorded in a wide variety of styles — from romances to rock ballads, from lullabies to punk, from opera to rap.
FUIB has invested more than UAH 42 million in educational and cultural projects, which is more than twice as much as in 2023.
Help for the wounded
Ukrainian soldiers are in constant need of hemostatic agents for tactical medicine and blood components in hot spots. In addition, the economy is bleeding during the war. Therefore, FUIB initiated the social project «We Are of the Same Blood» to support Ukrainian small businesses and art, promote donor initiatives, and help the wounded.
This is a large-scale partnership project with more than 45 partners, including NGOs, illustrators, brands, shops, exhibition organizers, and even a football club. FUIB transfers half of the cost of each order of patriotic merchandise created by Ukrainian manufacturers to the NGOs DonorUA, Blood Agents and Hospitallers.
The funds raised are used to meet the need for donated blood, deliver blood components to hot spots, and purchase tactical medicine for Ukrainian soldiers and equipment for paramedics. Ukrainians support the project not only by ordering patriotic clothing, accessories, and replaceable chevron stickers, but also by donating blood at donor centres. As a token of gratitude, each donor receives a 25% discount on the merch.
For more than 2 years of its operation, the “We Are of the Same Blood” initiative has raised UAH 10,3 million. The funds were used for: 92 blood deliveries to hot spots; 2 low-temperature freezers for storing blood plasma; more than 6 700 tactical medicine products (haemostatic bandages, occlusive stickers, haemostatic tourniquets, compression bandages, hemostatic bandages, knot tourniquets, nasopharyngeal tubes, intraosseous accesses); more than 2.5 thousand packages of medicines and 61 units of equipment for paramedic ambulances (patient monitors, wireless ultrasound scanner, infusion heaters, etc.). Altogether, this is more than 160 thousand lives saved.
2,903 Ukrainians have become donors, which means hope for recovery for almost 9 thousand people. More than 17,000 Ukrainians took part in the project. Ukrainian business and art were supported by UAH 25 million. Project pages in social networks www.facebook.com/lifesavingmerch and https://www.instagram.com/lifesavingmerch. Website https://lifesavingmerch.com.ua/.
In April 2024, at the initiative of FUIB, the project "We Are of the Same Blood" launched a new clothing collection "Live towards" (https://lifesavingmerch.com.ua/zhyty-nazustrich), which has two product lines: for wounded soldiers – adaptive clothing with motivational prints; for every Ukrainian – hoodies, shirts, T-shirts with laconic embroidery and lines from poems by the poet Serhii Zhadan. Many wounded soldiers need adaptive clothing – with velcro and buttons, additional slits and sewn according to special patterns so that the wounded can dress without difficulty. For each order from the new collection, one adaptive item is delivered to war-wounded defenders through the "Kolo" Charity Foundation and their volunteer curators to evacuation trains and hospitals. Also, on the website of the project "We Are of the Same Blood", everyone may pay for one or more pieces of clothing for the wounded. Each item was tested at the National Military Medical Clinical Centre "Main Military Clinical Hospital". During the project's existence, 2,368 units of decent adaptive clothing for the wounded have already been transferred to evacuation trains and hospitals.
Partnership development
Partnership with banks and the NBU
In 2024, during the war, the NBU and banks continued collaboration to support the Armed Forces of Ukraine. FUIB became a partner of the NBU’s charity event #SuperCoins. Participants of the #SuperCoins charity event organized by the National Bank of Ukraine and Superhumans Center with the support of partner banks FUIB, PrivatBank and Oschadbank collected almost UAH 3.6 million in coins in three months of 2024 (from September 9 to December 6). The funds raised during the campaign are used for surgical treatment (complex reconstructive operations on the face, neck and limbs) of Ukrainians affected by the war. Among the patients are both civilians and military personnel who were seriously injured at the front.
As a primary dealer, in 2022 FUIB launched a service for the sale of military domestic government bonds, which were initiated by the Ministry of Finance of Ukraine to support the budget of Ukraine through investment. Since the beginning of the war, by the end of 2024, the total amount of investments in military bonds by more than 2455 bank customers, individuals and legal entities, amounted to over UAH 2016 million, over USD 63.6 million and over EUR 13.73 million.
Partnership with Charitable Foundations and NGOs
From the first days of the war FUIB supports Ukrainian defenders. In 2024, the bank invested more than UAH 150 million to help units of the Armed Forces of Ukraine, the National Guard, and the Main Intelligence Directorate. This is almost twice more than last year. Since the beginning of the full-scale invasion, the total amount of this support by the bank has amounted to more than UAH 313 million.
The defenders most needed electronic warfare systems and communication equipment, reconnaissance drones and charging stations with generators, vehicles and equipment for their repair in 2024. Everything that allows them to hold positions, move mobile and provide protection.
In 2024, the bank financed the procurement of the following items at the request of the units: 31 vehicles, 191 reconnaissance drones and equipment for their control, more than 777 camouflage nets, 76 charging stations and generators, 92 units of equipment for communication and surveillance, 5,235 equipment for sapper operations, 157 electronic warfare equipment, 45 units of computer equipment, 222 units of equipment for arranging the positions of defenders, etc.
In 2024 FUIB joined the national assembly with funds: Serhii Prytula, "Come back alive", "Steel Front", KSE Foundation. Electronic warfare, reconnaissance drones, communications equipment, charging stations, and pickups were purchased for the defenders.
This year, together with Hospitallers, we have converted 10 evacuation vehicles to save even more lives in the most difficult conditions in the Donetsk, Zaporizhzhia and Kharkiv directions: with electronic warfare, starlinks, refrigerators, additional batteries, headlights, repair kits.
FUIB allocated UAH 3 million for overcoming the consequences of a devastating missile attack on the Okhmatdit children's hospital in July 2024. The bank transferred funds to the account of the Charity Foundation "Tabletochki", which are aimed at helping children with cancer who are being treated in the Okhmatdit.
Before the start of the new 2024-2025 academic year, FUIB provided 300 schoolchildren across Ukraine, from the families of fallen defenders and prisoners of war, with backpacks with school supplies. The goal of the charity purchase is equal learning opportunities for all Ukrainian children.
Our customers have been helping FUIB to bring the victory closer. Since the beginning of the war, FUIB has arranged for a quick transfer of any amount without commission to support our army through all channels of the bank. Since the beginning of the war, Ukrainians have transferred over UAH 658 million through FUIB for the needs of the Armed Forces of Ukraine and humanitarian support.
Partnership with government agencies
In October 2021, FUIB joined the “No Barriers” initiative of the First Lady of Ukraine Olena Zelenska. The initiative aims to create a society without restrictions in Ukraine, where equal rights and opportunities for all people in self-realization, employment, movement, services, education, communication, leisure, and development are ensured. The bank employs many people who at some point in their lives become less mobile – after giving birth to a child and caring for it or suffering from a long-term illness, immediately after graduation or when they reach an advanced age. The bank creates comfortable and flexible working, communication, training and career development conditions for everyone.
In April 2024 FUIB joined the Charter on financial inclusion and reintegration of veterans, the conclusion of that was initiated by the National Bank and the European Bank for Reconstruction and Development within the framework of a common Memorandum of understanding. The Memorandum between the NBU and the EBRD provides for cooperation between the institutions to ensure the cohesion of the financial sector in implementing standards of inclusive activities and services, support and re-socialization of war veterans in Ukraine. The standards set out in the Charter are designed to make banks more accessible to hundreds of thousands of veterans – both customers and employees.
In August 2024, FUIB visited the Superhumans Centre and gained experience in developing an inclusive space and provided 11 prosthetics for superhumans. The FUIB team is developing a large bank-wide project to develop an inclusive business, so that every employee, customer and partner feels worthy and has equal opportunities for cooperation and service in all available channels of the bank. Therefore, the bank attracts the strongest market experts to cooperate, such as the team of the ultra-modern Superhumans Centre, which works with severe war injuries.
FUIB already has 96% of branches that are physically accessible and have convenient entrance groups for people with various types of violations. As of the end of 2024, 203 FUIB branches met the requirements for accessibility of entrance areas for people with limited mobility. Internal accessibility for people with various types of violations is organized in 26 branches of the bank. The branches have built low cash registers, organized waiting areas equipped with handrails for customers with musculo-skeletal disorders, and holders for crutches and sticks are placed. For customers with visual impairments, the departments have signs with certain operating modes, service areas, waiting areas, duplicated in Braille, there are general mnemonic diagrams of the department, also with Braille, navigation and tactile warning elements are placed. To serve customers with hearing impairments, 12 branches of the bank have implemented the function of a voice assistant at ATMs, and 27 branches have the function of calling a sign language translator.
Fulfilling the requirements of Ukrainian legislation, FUIB plans to equip 50% of branches in each region for customers, taking into account the needs of people with disabilities and low-mobility groups of the population. In 2025, we want to equip internal accessibility additionally in 73 branches, expand the function of the voice assistant in the ATM to all inclusive branches, equip the POSs with an additional screen for the ability to serve people on a wheeled chair, and also add a voice assistant for the POSs. It is planned to expand the function of calling a sign language translator to all branches. The bank follows modern technologies in order to equip its branches with optimal technological solutions. There is a change in the service model and training of personnel for a comfortable process of servicing people with various types of impairments
In 2024, First Ukrainian International Bank actively implemented projects aimed at developing the business environment and supporting businesses.
Payment of taxes
Despite the losses caused by the war, FUIB still pays all taxes on time. For 2024, the bank transferred more than UAH 6.9 billion to the state budget. This is 2.5 more than last year. FUIB joined the list of the is among thеe Top 5 largest taxpayers in the banking sector.
Business continuity plan
FUIB has had a business continuity plan since 2011, when the bank created the Business Continuity Management System (hereinafter referred to as the BCMS). BCP (business continuity planning) plans are reviewed annually and are a Strategic Response Plan within the framework of Operational Risk Management, which defines a systematic approach of the bank's behavior in building relationships with all stakeholders in the event of an emergency.
Main BCP priorities:
- save the lives and health of employees and customers at the time of an emergency;
- identify critical processes and ensure their functioning in the event of an emergency;
- maintain a high level of bank management, which allows to provide conditions for making informed and optimal management decisions;
- ensure the ability to make settlements in accordance with the obligations assumed.
In 2024, the bank continued to adapt its BCMS approaches, taking into account the experience gained during the full-scale war. The bank clearly defines approaches to managing critical personnel for the continuous performance of critical functions and processes. During the war period, the bank promptly responded to other emerging threats: blackouts and Internet outages (providing head office, branches and critical staff with generators and starlinks), cyber threats, threats to staff (the ability to work online from safe locations, the ability to work in an office with guaranteed power supply and satellite Internet, assistance in evacuation, etc.) FUIB guarantees the continuity of its critical processes.
Support of businesses
FUIB constantly monitors the course of events in the country and analyzes the situation of its clients in order to provide timely support to Ukrainian business under any circumstances.
Financing of Ukrainian business
FUIB actively provides loans to finance the development of all business sectors in Ukraine. Since the beginning of the war, the bank has financed its business in the amount of UAH 81.4 billion.
In 2024, the bank retained its leading position in terms of lending to small businesses and it is a support for the development of small businesses in Ukraine. FUIB works with various small business sectors and has a diversified loan portfolio by industry and type of activity.
In 2024, the bank actively developed innovative lending technologies based on the use of large amounts of public information. For small business customers FUIB has implemented the technology of pre-approval of loan offers even before the customer applies to the bank with the need for lending. This technology allows existing and potential customers of the bank to receive a loan offer without providing packages of documents. In 2024, small business customers were granted more than UAH 2 billion in new financing limits based on decisions previously approved by the bank. The bank also provided more than UAH 1 billion of increased financing limits to existing borrowers of the bank on the basis of absentee decisions.
In 2024, the bank implemented an opportunity for participants of the state support program 5-7-9 to interact through the FUIB Digital Business website to submit regular reports provided for in the terms of the program. This functionality reduces customers' time spent on document management with the bank and allows them to submit reports in a remote format.
The main product for financing small businesses was and still is the general lending limit. It allows to have constant access to a wide range of financing forms of the customers’ choice when they need it: loans, credit lines, overdrafts, guarantees, bill availing, state support program 5-7-9, state portfolio guarantees program. FUIB offers its customers not just meeting their current financing needs, but a long-term financial partnership aimed at developing the customer's business. The bank also retains its leading position in factoring financing and leasing.
In the reporting year, medium-sized corporate customers were financed in the amount of UAH 4.6 billion. FUIB actively provided medium-sized businesses with free advice, support and assistance in solving financial issues.
In 2024, FUIB also continued to implement socially oriented programs for large corporate customers. The 5-7-9 concessional lending program allowed businesses to be financed in the amount of UAH 915 million, and concessional financing for energy-efficient projects in the amount of UAH 53 million was also provided. In 2024, the bank financed (extended) loans to large business customers for a total amount of UAH 21.87 billion. Growth in 2024 is + UAH 4.48 billion. Of these, financing for the needs of the agricultural industry is UAH 6.27 billion (growth in 2024 is + UAH 0.35 billion), for light industry it is UAH 6.94 billion (growth in 2024 is + UAH 1.08 billion), for heavy industry it is UAH 8.38 billion (growth in 2024 is + UAH 3.49 billion).
One of the priority areas for the development of large corporate business in 2024 was the "Defense Tech" industry, whose customers the bank actively attracted, provided advice, financing and support on all issues and provided loans in the amount of UAH 270 million.
Loans to renewable energy and green businesses
In 2024, FUIB actively supported the renewable energy businesses, in particular solar power plants, which accounted for 3% of the total commercial portfolio of medium-sized businesses. The bank established special conditions for such customers, contributing to the development of environmentally sustainable and energy-saving projects.
FUIB plans to continue financing renewable energy sources in 2025 and participate in the program for financing the military-industrial complex in accordance with Resolution of the Cabinet of Ministers of Ukraine No. 1288. The bank will continue to actively support sustainable business development and work on implementing inclusive and responsible financial solutions.
Additional business development opportunities
In 2024, FUIB continued to support small businesses in the context of ongoing war, providing additional opportunities for development and stability. One of these initiatives was the possibility of free service to small business customers for up to 24 months under the terms of the "Invite a partner" referral program. This program allows entrepreneurs to get free service in exchange for attracting new customers. This approach helped not only save money for entrepreneurs, but also expand the customer base through mutual support between partners.
In the reporting year, the bank launched several initiatives to support socially vulnerable groups of the population. One of them was the "Unbreakable Business" tariff package, aimed at supporting war veterans and military personnel. This package is designed for new and existing customers-individual entrepreneurs who have the status of persons with disabilities due to the war or are participants in military operations in connection with russia's military aggression against Ukraine. The package is also available for war veterans who won the bank's educational grant program "Live towards". Under this tariff package, the cost of monthly maintenance is only UAH 1. In addition, the package includes 1 POS terminal, 15 free payments outside FUIB, as well as free transfers of funds between accounts up to UAH 60,000. This allows veteran entrepreneurs to significantly reduce their banking costs and focus on developing their business.
As of the end of 2024, the number of small, medium and large businesses and state-owned enterprises serviced by FUIB amounted to 142.7 thousand. Over the year, the increase in customers was +22.1 thousand (+18.3%). The increase was due to personalized products, in particular lending products, in accordance with business needs, government financing programs, favorable interest rates, flexible approach and speed of solving customer tasks.
Educational and cultural projects
In 2024, FUIB remained a strategic partner of the Kyiv School of Economics (KSE), which is one of the best schools in Central and Eastern Europe.. Our partnership is already 8 years old. This is more than 70 recipients of grants from the bank. This is a community of talented young Ukrainians who are already implementing changes.
10 KSE University students received scholarships to study economics and big data thanks to FUIB's investment of $100,000. Their skills will work to win tomorrow: in business, public administration, and investment. Scholarship support is provided to talented military children, wounded soldiers, young people affected by military operations and young people who demonstrate high academic abilities.
15 students of technical specialties and 3 postgraduates of Kyiv Aviation Institute received 6-month scholarships for the development of their projects from FUIB bank. These are students of the Faculty of Aerospace, the Faculty of Computer Science and Technology, and the Faculty of Aeronautics, Electronics, and Telecommunications. All scientific developments of talented young people relate to defense technologies that are currently relevant for the country. In total, within six months, each graduate student received a total of UAH 136.6 thousand, and students – UAH 111.8 thousand and UAH 74.5 thousand, depending on the complexity of the project.
Training and employment of capable young people is an important component of qualitative changes in the country. Therefore, we help developers-students focus on self-development and research, so that they may confidently plan their future in Ukraine.
Integration of war veterans
In the summer of 2024, FUIB, in partnership with Superhumans, Veteran Hub, InvictusGames, Uklon, and Heart of Azovstal, launched social platform "Live towards", that helps war veterans, in particular those with disabilities and disorders after serious injuries, to integrate comprehensively into financial processes, labour relations, entrepreneurship and society as a whole. The social platform creates a large supportive community of veterans and civilians. The first projects of the platform were: Financial restart chatbot is a 5-week educational program with daily advices and tasks that increase the level of financial literacy; inclusive Financial hub is a space where educational events are held for veterans and their families with economic experts who help them understand how to effectively manage their own budget, understand the psychology of spending and various opportunities for earning, investing, lending, etc.; Photo project with Central Store - portraits of veterans in the main windows of the country, the author of the photo is Kostiantyn Liberov, whose photos from the front have spread all over the world. Each photo is a personal story about the hero's path to a full life, which was overcome thanks to the support of those who are nearby. We also created Manifesto of equality of various – a special installation (the first mannequins with prosthetics and on a wheeled chair in Ukraine), which symbolizes the power of unity. We started veteran TG Channel "Live towards", in which the co-authors are veterans. The TG-channel brought together 7 thousand veterans and their friends.
In total, we have attracted 12 thousand veterans and female veterans to the platform's projects. We covered 16 million Ukrainians with communication about the importance of supporting them.
In October 2024, FUIB, in cooperation with Future Development Agency and KSE Business School, launched educational and grant program for the development of veteran business "Live towards". The program provides an opportunity to receive a grant from UAH 500 thousand to 1 million for launching or developing your own business. Out of 297 applications received for participation, 30 teams were selected for a training course with business experts and business mentors. Upon completion of their training at KSE Business School, 24 teams submitted their business plans to the jury for consideration. Based on the results of the defense, 14 winners were selected. They started developing their business with the grants they received and have expert and mentoring support for three months.
In April 2024 FUIB became title partner of the training and participation of a Ukrainian team of 35 military personnel and war veterans in the Invictus Games Vancouver Whistler 2025. The international competition was attended by 35 military personnel and veterans who were wounded, injured or ill during or as a result of performing their official duties in the war zone in the Russian-Ukrainian war since 2014.
With the financing of FUIB Bank, "Cultural Forces" launched "Frontline Studio" in May 2024 – a project to promote military musical culture, to record and promote songs created or performed by military personnel, direct participants in the war. As part of the "Frontline Studio", a season of 14 video episodes was released on the Cultural Forces Music YouTube channel, as well as a music album recorded at the front in a mobile recording studio.
The presenters were Mykolai Sierha, a serviceman and head of the "Cultural Forces", and Oleksandr Chemerov, a musician and music producer of the "Cultural Forces". The audience of "Frontline Studio" saw the process of creating the song from A to Z, learned the life stories of the military, their path in the war and creativity, which they did not leave even during fierce battles. About a hundred musicians took part in the recording of the songs, in particular, the Heroes of Ukraine, the Honoured Academic Song and Dance Ensemble of the Armed Forces of Ukraine, Orchestra 59, the Children's choir "Zlatnytsia" from Pokrovsk, opera singers, poets, chaplains, as well as the leader of the group "Queens of the Stone Age" Josh Homme. The songs are recorded in a wide variety of styles — from romances to rock ballads, from lullabies to punk, from opera to rap.
FUIB has invested more than UAH 42 million in educational and cultural projects, which is more than twice as much as in 2023.
Help for the wounded
Ukrainian soldiers are in constant need of hemostatic agents for tactical medicine and blood components in hot spots. In addition, the economy is bleeding during the war. Therefore, FUIB initiated the social project «We Are of the Same Blood» to support Ukrainian small businesses and art, promote donor initiatives, and help the wounded.
This is a large-scale partnership project with more than 45 partners, including NGOs, illustrators, brands, shops, exhibition organizers, and even a football club. FUIB transfers half of the cost of each order of patriotic merchandise created by Ukrainian manufacturers to the NGOs DonorUA, Blood Agents and Hospitallers.
The funds raised are used to meet the need for donated blood, deliver blood components to hot spots, and purchase tactical medicine for Ukrainian soldiers and equipment for paramedics. Ukrainians support the project not only by ordering patriotic clothing, accessories, and replaceable chevron stickers, but also by donating blood at donor centres. As a token of gratitude, each donor receives a 25% discount on the merch.
For more than 2 years of its operation, the “We Are of the Same Blood” initiative has raised UAH 10,3 million. The funds were used for: 92 blood deliveries to hot spots; 2 low-temperature freezers for storing blood plasma; more than 6 700 tactical medicine products (haemostatic bandages, occlusive stickers, haemostatic tourniquets, compression bandages, hemostatic bandages, knot tourniquets, nasopharyngeal tubes, intraosseous accesses); more than 2.5 thousand packages of medicines and 61 units of equipment for paramedic ambulances (patient monitors, wireless ultrasound scanner, infusion heaters, etc.). Altogether, this is more than 160 thousand lives saved.
2,903 Ukrainians have become donors, which means hope for recovery for almost 9 thousand people. More than 17,000 Ukrainians took part in the project. Ukrainian business and art were supported by UAH 25 million. Project pages in social networks www.facebook.com/lifesavingmerch and https://www.instagram.com/lifesavingmerch. Website https://lifesavingmerch.com.ua/.
In April 2024, at the initiative of FUIB, the project "We Are of the Same Blood" launched a new clothing collection "Live towards" (https://lifesavingmerch.com.ua/zhyty-nazustrich), which has two product lines: for wounded soldiers – adaptive clothing with motivational prints; for every Ukrainian – hoodies, shirts, T-shirts with laconic embroidery and lines from poems by the poet Serhii Zhadan. Many wounded soldiers need adaptive clothing – with velcro and buttons, additional slits and sewn according to special patterns so that the wounded can dress without difficulty. For each order from the new collection, one adaptive item is delivered to war-wounded defenders through the "Kolo" Charity Foundation and their volunteer curators to evacuation trains and hospitals. Also, on the website of the project "We Are of the Same Blood", everyone may pay for one or more pieces of clothing for the wounded. Each item was tested at the National Military Medical Clinical Centre "Main Military Clinical Hospital". During the project's existence, 2,368 units of decent adaptive clothing for the wounded have already been transferred to evacuation trains and hospitals.
Partnership development
Partnership with banks and the NBU
In 2024, during the war, the NBU and banks continued collaboration to support the Armed Forces of Ukraine. FUIB became a partner of the NBU’s charity event #SuperCoins. Participants of the #SuperCoins charity event organized by the National Bank of Ukraine and Superhumans Center with the support of partner banks FUIB, PrivatBank and Oschadbank collected almost UAH 3.6 million in coins in three months of 2024 (from September 9 to December 6). The funds raised during the campaign are used for surgical treatment (complex reconstructive operations on the face, neck and limbs) of Ukrainians affected by the war. Among the patients are both civilians and military personnel who were seriously injured at the front.
As a primary dealer, in 2022 FUIB launched a service for the sale of military domestic government bonds, which were initiated by the Ministry of Finance of Ukraine to support the budget of Ukraine through investment. Since the beginning of the war, by the end of 2024, the total amount of investments in military bonds by more than 2455 bank customers, individuals and legal entities, amounted to over UAH 2016 million, over USD 63.6 million and over EUR 13.73 million.
Partnership with Charitable Foundations and NGOs
From the first days of the war FUIB supports Ukrainian defenders. In 2024, the bank invested more than UAH 150 million to help units of the Armed Forces of Ukraine, the National Guard, and the Main Intelligence Directorate. This is almost twice more than last year. Since the beginning of the full-scale invasion, the total amount of this support by the bank has amounted to more than UAH 313 million.
The defenders most needed electronic warfare systems and communication equipment, reconnaissance drones and charging stations with generators, vehicles and equipment for their repair in 2024. Everything that allows them to hold positions, move mobile and provide protection.
In 2024, the bank financed the procurement of the following items at the request of the units: 31 vehicles, 191 reconnaissance drones and equipment for their control, more than 777 camouflage nets, 76 charging stations and generators, 92 units of equipment for communication and surveillance, 5,235 equipment for sapper operations, 157 electronic warfare equipment, 45 units of computer equipment, 222 units of equipment for arranging the positions of defenders, etc.
In 2024 FUIB joined the national assembly with funds: Serhii Prytula, "Come back alive", "Steel Front", KSE Foundation. Electronic warfare, reconnaissance drones, communications equipment, charging stations, and pickups were purchased for the defenders.
This year, together with Hospitallers, we have converted 10 evacuation vehicles to save even more lives in the most difficult conditions in the Donetsk, Zaporizhzhia and Kharkiv directions: with electronic warfare, starlinks, refrigerators, additional batteries, headlights, repair kits.
FUIB allocated UAH 3 million for overcoming the consequences of a devastating missile attack on the Okhmatdit children's hospital in July 2024. The bank transferred funds to the account of the Charity Foundation "Tabletochki", which are aimed at helping children with cancer who are being treated in the Okhmatdit.
Before the start of the new 2024-2025 academic year, FUIB provided 300 schoolchildren across Ukraine, from the families of fallen defenders and prisoners of war, with backpacks with school supplies. The goal of the charity purchase is equal learning opportunities for all Ukrainian children.
Our customers have been helping FUIB to bring the victory closer. Since the beginning of the war, FUIB has arranged for a quick transfer of any amount without commission to support our army through all channels of the bank. Since the beginning of the war, Ukrainians have transferred over UAH 658 million through FUIB for the needs of the Armed Forces of Ukraine and humanitarian support.
Partnership with government agencies
In October 2021, FUIB joined the “No Barriers” initiative of the First Lady of Ukraine Olena Zelenska. The initiative aims to create a society without restrictions in Ukraine, where equal rights and opportunities for all people in self-realization, employment, movement, services, education, communication, leisure, and development are ensured. The bank employs many people who at some point in their lives become less mobile – after giving birth to a child and caring for it or suffering from a long-term illness, immediately after graduation or when they reach an advanced age. The bank creates comfortable and flexible working, communication, training and career development conditions for everyone.
In April 2024 FUIB joined the Charter on financial inclusion and reintegration of veterans, the conclusion of that was initiated by the National Bank and the European Bank for Reconstruction and Development within the framework of a common Memorandum of understanding. The Memorandum between the NBU and the EBRD provides for cooperation between the institutions to ensure the cohesion of the financial sector in implementing standards of inclusive activities and services, support and re-socialization of war veterans in Ukraine. The standards set out in the Charter are designed to make banks more accessible to hundreds of thousands of veterans – both customers and employees.
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