Solvent banks in the first half of 2025 received UAH 78 billion in net profit, which is 1.1% lower than the figure for the first half of last year.
This is evidenced by data from the National Bank, Ukrainian News Agency reports.
In the second quarter, profits decreased by 2.1% compared to the previous quarter.
Lending became a key factor supporting assets and profitability of banks during the specified period.
Given the growth in loan yields, the net interest margin increased to 7.5%, and the net interest income of banks increased by 14.2% year-on-year.
Net commission income continued to grow - the indicator increased by 10.9% year-on-year due to income from servicing payment transactions.
The positive result of the revaluation of government bonds increased slightly.
At the same time, the main components of operating expenses increased, which somewhat weakened operating efficiency.
The cost-to-income ratio (CIR) deteriorated to 40.1% compared to 36.5% in the first half of last year.
The profit received supports the capital of banks, allowing them to continue to meet regulatory requirements within the framework of EU integration.
As of early July, the sector successfully met the regulatory capital requirement of 10%, with only one small bank violating the capital adequacy requirement.
From September, banks will adhere to a leverage ratio of at least 3%. According to test calculations, only one small bank is at risk of violating this requirement.
Also, the preliminary results of the bank stability assessment indicate the stability of the system as a whole.
Individual financial institutions will implement capitalization or restructuring programs to increase their resilience to possible crises.
As Ukrainian News Agency earlier reported, in 2024, banks received UAH 91 billion of net profit after charging UAH 96 billion of income tax at an increased rate of 50%.
In the first quarter of 2025, the banking sector received UAH 40 billion in profit, 65.7% of which was generated by state-owned banks, including PrivatBank.
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