As of early March 2026, the level of non-performing loans (NPL) in the banking system of Ukraine fell to 13.3%, which is 0.5 pp less than in February. This is evidenced by data from the National Bank of Ukraine (NBU).

The regulator notes that new loans continue to demonstrate high quality, and the overall level of defaults remains at a historically low level. This indicates a stable recovery of the financial sector and improved efficiency of loan portfolio management.

Analysis of the structure of non-performing assets shows significant differences depending on the type of bank. In private banks, NPL is 8.1%, in banks with foreign capital - 6.4%, and in state institutions - 18.7%. As for loan segments, problem loans for businesses reach 16.6%, and for households - 10.7%.

The reduction in the overall share of NPLs was made possible by large-scale measures taken by state-owned banks at the end of last year. In December 2025, they wrote off old non-performing assets worth over UAH 170 billion. This operation significantly cleaned up banks' balance sheets and ensured a reduction in the sector's problem loans below 14% by early 2026.

NBU experts emphasize that such balance sheet cleaning has become the foundation for further development of lending and increased availability of financial resources for businesses and the population. At the same time, the restoration of credit activity will contribute to economic growth and stabilization of the financial market.

In the future, the NBU plans to continue monitoring the quality of the loan portfolio, encouraging banks to maintain high risk management standards. It is expected that a further reduction in the share of NPLs will help the banking sector more fully realize its potential for lending to the economy.