The share of non-performing loans (NPL) in the banking sector as of April 1, 2025 was 28.6%, which is 1.4 pp lower than the indicator as of March 1, 2025.
This is stated in the message of the National Bank of Ukraine (NBU), the Ukrainian News agency reports.
The share of non-performing loans (NPL) in the banking sector as of April 1, 2025 decreased to 28.6%, or by 1.7 percentage points compared to the indicator at the beginning of the year.
The volume of NPL for the first quarter decreased by UAH 10.7 billion to UAH 382.6 billion, or by 2.7%.
The trend of its gradual decrease has been continuing since the beginning of 2023.
The share of NPL decreased in all groups of banks.
Excluding the debts of the former owners of JSC CB "PrivatBank" and old debts before the recovery of the banking system during the crisis of 2015–2017, the share of NPL as of April 1, 2025 is 23.2% in state-owned banks and 17.1% in the banking system as a whole.
In March, the volume of NPLs in banks decreased by almost UAH 1.2 billion, while the gross volume of loans provided by banks increased by UAH 15.8 billion.
The share of non-performing loans to individuals as of March 1, 2025 was 15%, and to businesses – 39% (23% excluding debts of former owners of PrivatBank and old debts before the crisis of 2014–2016).
Among the factors that positively influenced the share of NPLs is the further increase in the volume of high-quality hryvnia loans by banks.
Since January 2025, the approaches to determining non-performing assets by banks have changed.
These changes contributed to increasing the transparency of the domestic financial sector and brought the definition of NPLs closer to the European one.
At the same time, they did not have a significant impact on the volume of NPLs given the banks' balanced approaches to risk assessment and the good quality of the loan portfolio.
As the Ukrainian News agency earlier reported, before russia's full-scale invasion of Ukraine, the share of NPLs in Ukrainian banks had been steadily decreasing since 2018: from 55% to 27% as of March 1, 2022.
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