The share of non-performing loans (NPLs) in the banking sector as of December 1, 2025 was 23.9%, which is 0.5 pp lower than the indicator as of November 1.
This is stated in the message of the National Bank of Ukraine (NBU), the Ukrainian News agency reports.
Besides, this is 6.4 pp less compared to the indicator at the beginning of the year.
Excluding loans from old debts of state-owned banks and debts of former owners of JSC CB PrivatBank, this share is significantly lower.
The determining factor in the reduction of the NPL share in January-November 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 256.8 billion, or 19.8%, to UAH 1.555 trillion.
At the same time, the volume of non-performing loans decreased during this period by UAH 21.4 billion, or 5.4%.
The share of NPLs of individuals for 11 months of 2025 decreased by 2.0 pp to 12.5%, and businesses - by 8.1 pp to 30.9%.
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 has been steadily decreasing since 2018: from 55% to 27% as of March 1, 2022.
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