The share of non-performing loans (NPL) in the banking sector as of July 1, 2025 decreased to 27.0%, or by 3.3 percentage points compared to the indicator at the beginning of the year.
This is evidenced by the data of the National Bank of Ukraine, the Ukrainian News agency reports.
The current share of NPLs is close to the historical minimum recorded as of March 1, 2022 - the beginning of russia's full-scale invasion of Ukraine.
In the first year of the full-scale war, the default rate reached about 20%, and the share of NPLs in the portfolio was 39.1%. Since mid-2023, the share of NPLs has been gradually decreasing.
The determining factor in the reduction of the share of NPLs in the first half of 2025 was the growth in the volume of new loans of better quality.
Thus, the gross volume of loans in the banking system during this period increased by UAH 133.7 billion, or by 10.3% to UAH 1.432 trillion.
The share of NPLs of individuals in the first half of the year decreased by 1.5 p. p. to 14.0%, and businesses - by 3.5 p. p. to 35.5%.
The reduction in the share of NPLs was recorded in all groups of banks:
- in private Ukrainian banks - to 9.9%;
- in banks with foreign capital - to 9.5%;
- in state-owned banks - to 38.5%.
Excluding the debts of the former owners of JSC CB PrivatBank and old debts of state-owned banks, the share of NPLs as of July 1, 2025 is 21.6% in state-owned banks and 16.1% - in the banking system as a whole.
As the Ukrainian News agency earlier reported, on the eve of russia's full-scale invasion of Ukraine, the share of NPLs in Ukrainian banks began to decline: from 55% in 2018 to 27% as of March 1, 2022.
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