ONE TUESDAY, recounts(讲述，叙述) Mikael Bjorknert, the chief executive of PrivatBank, a customer called: a maker of cooling equipment whose factory had just been destroyed in a Russian attack. Instead of defaulting(违约，拖欠还款) on its loan, the company asked: “Can you wait until Friday?” Helped by a repayment holiday from PrivatBank, Ukraine’s largest lender, it found another home quickly (an old installation with a roof but no internal walls), kept its workers on and bought used kit from competitors.(在普里瓦特银行——乌克兰最大的贷款机构——提供的还款宽限期帮助下，它很快找到了新的落脚点（一处旧厂房，有屋顶但没有内墙），留住了工人，还从竞争对手那里买来了二手设备。) Production restarted within three months. Another year on, the bank is considering a new loan for investment.
普里瓦特银行首席执行官米卡埃尔·比约克内特回忆道，某个周二，一位客户打来电话：这是一家制冷设备制造商，其工厂刚刚在俄军的一次袭击中被摧毁。这家公司没有选择拖欠贷款，而是问道：“能等到周五吗？”在普里瓦特银行——乌克兰最大的贷款机构——提供的还款宽限期帮助下，它很快找到了新的落脚点（一处旧厂房，有屋顶但没有内墙），留住了工人，还从竞争对手那里买来了二手设备。三个月内生产便重新启动。又过了一年，这家银行正在考虑为其提供一笔新的投资贷款。
The tale of the fridge factory is but one illustration of both the peculiarities(特殊性，独特之处) of running a bank in a war zone and Ukrainians’ remarkable resilience(韧性，恢复力) against a ruthless(残忍的，无情的) enemy. Mr Bjorknert, a Swede who has run state-owned PrivatBank since January 2025, says that just 2.9% of its core loans were non-performing in the first half of 2026, a ratio he expects to fall to 2.6% by the end of the year.(比约克内特是瑞典人，自2025年1月起执掌国有的普里瓦特银行。他说，2026年上半年该行核心贷款中仅有2.9%为不良贷款，他预计这一比例到年底将降至2.6%。) (Around 2% is typical in the peaceful part of Europe; at the peak of Greece’s banking crisis in 2016-17, almost half of loans were duff(坏的，劣质的).) “The payment ethic”, he says, “is very strong.”
这家冰箱工厂的故事，只是战区经营银行的种种特殊之处、以及乌克兰人面对凶残敌人时非凡韧性的一例。比约克内特是瑞典人，自2025年1月起执掌国有的普里瓦特银行。他说，2026年上半年该行核心贷款中仅有2.9%为不良贷款，他预计这一比例到年底将降至2.6%。（欧洲和平地区通常在2%左右；2016至2017年希腊银行业危机最严重时，近一半贷款都是坏账。）他说：“还款信用非常强。”
So is PrivatBank’s, when it comes to(谈到，就……而言) keeping its 1,000-plus branches open. They may, like other businesses, be closed during missile or drone strikes. But closing them at other times, for want of(因为缺乏) power or connectivity(网络连接，连通性), say, could be interpreted by Ukrainians as a signal that something bad is afoot(正在发生，在进行中). To avoid unnecessarily spooking(惊吓，使恐慌) the people, PrivatBank’s outlets are backed up by batteries, generators and Starlink(星链，SpaceX提供的卫星互联网服务) internet connections.
在保持1000多家网点营业这件事上，普里瓦特银行同样韧性十足。和别的商家一样，这些网点在导弹或无人机袭击期间可能会关闭。但如果在其他时候因为断电或断网等原因关门，乌克兰人可能会将其解读为出了坏事的信号。为了避免不必要地惊吓民众，普里瓦特银行的网点都配备了电池、发电机和星链网络连接作为后备。