“Pivdennyi” Joint-Stock Bank is a Ukrainian commercial bank founded in 1993. The main office is located in Odessa. “The main idea of our bank is to develop the country’s economy through business lending. We help businesses learn new areas and technologies, create jobs. Increasing the well-being of our customers sequentially contributes to the prosperity of the country as a whole.” For more than 26 years of existence from a small regional bank without a currency license, “Pivdennyi” Joint-Stock Bank has grown into a large systemically significant bank in Ukraine. “We have been going through crises since 1998, when the country’s economy was saved by the cost of government bond restructuring, resulting from which bond investments almost completely burned down. There were times when, at the beginning of the war in the east, depositors were taking out of the bank $100 million a month. But in any crisis, it is necessary not to look for culprits and take responsibility in the hands.” We managed to reformat the business to new realities with minimal losses, because when the doors close, the windows open. Our sphere of activity is critical for the population. We cannot close completely. “Pivdennyi” is represented in 18 regions of Ukraine, and everywhere local authorities impose their restrictions. We closed 15% of branches and retrained the entire department to increase the contact center service level. We continue to lend to business. We are restructuring consumer loans. We do not take advantage of the situation, and we do not raise tariffs even for exclusive services that few banks provide. Any crisis, like litmus paper, shows the strengths and weaknesses of both individuals and companies. What is what, and who is who can only be judged by the results of the quarantine.