According to preliminary data for the annual audit, in 2025, banks received a record UAH 126.8 billion in profit, which is 22% more than in 2024 (UAH 103.7 billion).
This is evidenced by the data of the NBU, the Ukrainian News agency reports.
It is noted that net interest income remained the main source of profit due to stable loan yields and portfolio growth. The main factor behind the growth of profits compared to last year is the rejection of the increased tax rate of 50%, which will return in 2026. At the same time, the sector's return on equity in terms of pre-tax profit slowly declined to 50% in 2025, compared to 52.4% in 2024 and 58.6% in 2023
In 2025, the banking sector's regulatory capital increased, which supports the banks' ability to increase lending.
The National Bank continues to implement regulatory changes in accordance with European standards, and since the beginning of 2026 has begun a traditional sustainability assessment.
Net hryvnia loans to businesses and households grew rapidly for two consecutive years, increasing by more than a third in 2025.
Active lending was a stable source of growth in the banking sector's net assets, which increased by 11% in Q4 and by 17.2% in 2025.
The volume of net hryvnia loans to businesses grew rapidly throughout the year. Such a rapid and sustainable recovery in lending activity is a distinctive feature of the current situation compared to previous crises, which is a result of ensuring financial stability and implementing the measures of the Lending Development Strategy.
SME loans remain the main component of the hryvnia business portfolio, growing by more than a third per year. A significant contribution to the growth of the portfolio was made by the revival of lending to state-owned companies, primarily to the energy sector. In addition, lending in foreign currency became more active in the second half of the year.
All groups of banks increased their loan portfolios during the year, most intensively - foreign banks. In terms of maturity, lending for more than three years grew faster, and in terms of industries, loans to wholesale trade, agriculture, food industry, financial services, as well as energy and machine building companies, including the defense industry, grew faster.
As the Ukrainian News agency earlier reported, solvent banks, according to preliminary data, received UAH 103.7 billion of net profit, given the steady growth in the volume of high-quality loans and investments in government bonds, which is 25% more compared to 2023 (profit amounted to UAH 83 billion).
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