Ukraine Maintains Record-Low 11.5% NPL Ratio
Ukraine’s NPL ratio remained at a 17-year low of 11.5% as of Oct. 1, 2026. According to central bank data, the stability was driven by a 20.5% expansion in gross lending alongside active resolution of legacy debts.
Ukraine's banking sector has maintained a record-low non-performing loan (NPL) ratio of 11.5% as of October 1, 2025, marking the lowest level in 17 years for the second consecutive month. The central bank credits this decline to a mix of robust new loan growth and the resolution of older non-performing debts. In the first nine months of 2025, banking sector lending grew by 20.5%, while NPLs decreased by 0.8%, bringing the total to Hr.187.8 billion ($4.1 billion).
Notably, NPL ratios have fallen for both retail and corporate borrowers, with individual NPLs dropping by 1.2 percentage points to 9.6% and corporate NPLs falling by 3.3 percentage points to 13.7%.
Brief written by urgent.news from Kyiv Post's own syndicated text. Machine-written — may contain errors; check the original before relying on it.
