Share of non-performing loans decreases by 1 percentage point to 12.9% since year beginning

The share of non-performing loans (NPLs) in the banking sector as of April 1 had fallen to 12.9%, a decrease of 1 percentage point since the start of the year (and 13.7 percentage points since March 2022).

This is evidenced by data from the NBU, the Ukrainian News agency reports.

The decline in the NPL ratio in January–March 2026 was driven by both an increase in the volume of new, higher-quality loans and the resolution of non-performing debts.

Thus, the gross volume of loans in the banking system for the first quarter increased by UAH 75.8 billion, or 5.6%, to UAH 1.436 trillion. At the same time, the volume of non-performing loans decreased by UAH 3.8 billion, or 2.0%, to UAH 185.5 billion.

The NPL ratio for individuals in the first quarter of 2026 decreased by 0.5 percentage point to 10.3%, and for businesses — by 1.3 percentage points to 15.7%.

A decrease in the NPL ratio was recorded across all bank groups:

- in state-owned banks – to 18.4%;

- in private Ukrainian banks – to 7.8%;

- in banks with foreign capital – to 6.2%.

As the Ukrainian News agency earlier reported, prior to russia’s full-scale invasion of Ukraine, the NPL ratio in Ukrainian banks had been declining: from 55% in 2018 to 27% as of March 1, 2022.