The Ukrainian banking sector demonstrates positive results in reducing the volume of problem debt. As of May 1, 2025, the share of non-performing loans (NPL) decreased to 28.3%, which is 2 percentage points less than at the beginning of the year. This was reported by the press service of the National Bank of Ukraine.

The reduction in the NPL share was made possible by the intensification of lending and the reduction of problem loans. During the first four months of 2025, banks increased their gross loan portfolio by UAH 62.5 billion, while the volume of non-performing loans decreased by UAH 8.1 billion. This dynamics indicates the general recovery of the financial sector and improved borrower discipline.

The positive trend covered all groups of banks, including state, private, foreign institutions, as well as banks with foreign capital. A decrease in the share of non-performing loans was recorded both in the retail segment (to 14.2%) and in the corporate sector (to 36.6%). This indicates the restoration of confidence in the banking system and the growth of clients' ability to fulfill their credit obligations.

The National Bank also emphasizes that when excluding historical problem debt from the calculation — in particular, debts of former owners of PrivatBank and bad loans of state-owned banks — the real share of NPLs in the banking system is 17.0%. This demonstrates an even more encouraging picture of domestic financial recovery.

A decrease in the level of problem debt is important for the country's further economic recovery, as it contributes to increasing bank liquidity, reducing risks and increasing lending to the real sector of the economy. This, in turn, has a positive impact on entrepreneurial activity, job creation and the overall investment climate.

The National Bank continues to support the course of strengthening the stability of the financial sector and introducing transparent risk management mechanisms. Reducing the share of NPLs is one of the key indicators of the effectiveness of these efforts. In the future, such dynamics allow us to expect further growth in access to credit resources for the population and business, which is critically important for sustainable economic development in wartime conditions.