EN
The business is more actively involved in financing
According to the NBU, the positive dynamics covers both enterprises and non-bank financial institutions. The growth of lending indicates a gradual revival of economic activity, despite war risks and difficult business conditions.
At the same time, banks continue to increase their resource base. According to the results of June, the volume of hryvnia funds in the accounts of legal entities increased by 17% in annual terms, and deposits of the population — at 20%. This shows that customers' trust in the banking system is maintained and creates additional opportunities for lending.
There are fewer problem loans
At the same time, the quality of the banks' credit portfolio is improving. As of the beginning of June, the share of non-performing loans (NPL) was 12.8%, which is 1.1 percentage points less than at the beginning of the year.
The National Bank reminds that after the sharp deterioration of the situation in the first year of the full-scale war, when the level of defaults increased significantly, the banking sector is gradually recovering. In addition, the statistics were affected by the write-off by state banks at the end of 2025 of old problem assets in the amount of more than UAH 170 billion, due to which the share of NPLs fell to the lowest level in the last 15 years.
The banking system remains stable
The National Bank notes that the stable growth of credit corresponds to the implementation of the Credit Development Strategy and reflects the gradual recovery of the economy. The regulator also continues to support the financial stability of the sector: in June, it confirmed the status of systemically important for 16 Ukrainian banks, and the discount rate currently remains at 15%.
The combination of growth in lending, increase in the deposit base and reduction in the share of problem loans indicates that the banking system of Ukraine continues to adapt to the conditions of the war and is gradually resuming its role in financing the economy.