The share of non-performing loans (NPL) in the banking sector of Ukraine as of September 1, 2025, decreased to 25.3%. This is 4.9 percentage points lower compared to the beginning of the year.
This is reported by Finway
Main Reasons for the Decrease in Problematic Loans
According to the National Bank of Ukraine, a key factor in reducing the share of NPL was the active growth in the volume of new loans with high-quality servicing. From January to August 2025, the gross volume of lending in the banking system increased by UAH 183.5 billion, which corresponds to a growth of 14.1% — reaching UAH 1.482 trillion.
At the same time, the volume of problematic loans in the system decreased by UAH 17.7 billion, or 4.5%.
Dynamics for Individuals and Businesses
In the first eight months of 2025, the share of NPL among individuals decreased by 2.3 percentage points — to 13.2%. For businesses, this indicator reduced by 5.7 percentage points — to 33.2%.
“Excluding the debts of former owners of PJSC ‘PrivatBank’ and old debts of state banks, the share of NPL as of September 1, 2025, stands at 20.0% in state banks and 14.6% overall in the banking system,” the NBU report states.
Thus, the banking sector of Ukraine demonstrates a gradual improvement in the quality of the loan portfolio, indicating the stabilization of the country’s financial system.