Banks of Ukraine earned a third less in half a year: who remained among the leaders

PrivatBank provided almost half of the system's profit

PrivatBank remained the most profitable bank according to the results of January-June. Its net profit was UAH 24.56 billion, however, in annual terms, the indicator decreased by 29.6%.

It fell on the bank 45.4% of the total profit of the entire banking system.

The second place was taken by Universal Bank, which earned UAH 3.85 billion. At the same time, its result, on the contrary, increased by 36.3% compared to the first half of 2025.

Raiffeisen Bank came third with a profit UAH 3.57 billion, which is 24.7% less than a year earlier.

Who else entered the top 10

Oschadbank fell from second to fourth place. Its net profit decreased by almost three times - to UAH 3.38 billion.

FUIB received UAH 3.12 billion, which is 12.5% ​​less than last year's figure.

The ten most profitable banks also included:

• - Ukreximbank — UAH 2.24 billion, a drop of 46.9%;

• - OTP Bank — UAH 1.91 billion, 26.8% less;

• - Ukrsibbank — UAH 1.85 billion, 30.3% less;

• - Citibank — UAH 1.68 billion, 18.9% less;

• - Credit Agricole Bank — UAH 1.53 billion, 39.3% less.

Thus, among the top ten Universal Bank became the only one that significantly increased its profit in annual terms.

The profit of the banking system decreased by UAH 25.4 billion

In general, banks made money in the first six months of 2026 UAH 54.07 billion, while for the same period last year their combined profit was approx UAH 25.43 billion more.

One of the reasons for the significant reduction in the net result was high tax burden. At the same time, banks' operations remain profitable, and lending continues to support the sector's income.

11 banks ended the half year with losses

Of the 59 banks operating on the Ukrainian market, 11 institutions registered a loss.

The largest negative result was shown by Bank "Alliance" — UAH 69.79 million. PIN Bank received UAH 37.73 million in damage, and Transitional Bank "YUTE Bank" — UAH 36.19 million.

At the same time, the general situation in the sector remains profitable: the vast majority of banks continue to generate positive financial results.

How the picture has changed compared to 2025

According to the results of 2025, PrivatBank was also the leader, but then its share in the total profit of the banking system was 22.9%. The second was Oschadbank, the third — Raiffeisen Bank.

In the first half of 2026, the gap between PrivatBank and other institutions became much larger: UAH 24.56 billion of its profit compared to UAH 3.85 billion of the nearest competitor.