Solvent banks in the first nine months of 2025 received UAH 119.4 billion in net profit, which is 1.9% higher than the indicator for the same period of the previous year.
This is stated in the NBU report, Ukrainian News Agency reports.
It is noted that active lending has become a key factor supporting the profitability of banks.
The return on assets in the third quarter increased primarily due to an increase in the share of loans in the structure of banks' assets, the profitability of which is higher compared to other types of assets.
The share of interest income from loans in interest income increased to about 48%.
The return on investments in government bonds also increased slightly.
At the same time, the cost of funding remained stable.
Thus, the net interest margin increased to 7.8%, and net interest income increased by 16.6% in annual terms.
Net commission income also continued to grow - the figure for the third quarter increased by 8.1% year-on-year.
Despite a slight decrease in operating expenses, compared to the previous quarter, they were higher than in the same period last year. Therefore, the operating efficiency indicator - the Cost-to-Income Ratio (CIR) - deteriorated slightly over the year, but remained at a low level on average for the fourth consecutive year - 40.0%.
Net operating profit before provisions for the first nine months of 2025 compared to the same period of the previous year increased by 4.1%. Provisions for the second year in a row remain moderate.
As Ukrainian News Agency earlier reported, banks received UAH 91 billion in net profit in 2024.
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