As of early August 2025, Ukrainian financial institutions issued loans totaling ₴1.23 trillion, which is 15% more compared to the same period last year and 26% more than in 2021. The majority of lending was directed towards businesses — ₴909.3 billion, accounting for 74% of the total volume, while loans to individuals amounted to ₴316.1 billion.
This is reported by Business • Media
Growth in Household Lending Outpaces Business
The volume of loans issued to individuals increased by 22% over the year, while loans for companies grew by 13%. This trend indicates a resurgence in demand for loans from the population, which has begun to restore its trust in the banking sector after a challenging period caused by the onset of Russia’s full-scale war against Ukraine.
“In April 2023, the credit portfolio for individuals was only ₴205.4 billion. However, by the summer of 2023, the situation stabilized.”
Dynamics of Foreign Currency and Hryvnia Loans
Over two years, lending to individuals has increased by 50%, while businesses have expanded their loan portfolios by 25%. Ukrainians predominantly choose hryvnia loans: 97% of loans for individuals and 72% for companies are issued in the national currency. The share of foreign currency loans among individuals remains negligible — only 3% (equivalent to $239 million, or ₴10 billion), of which over 90% are non-performing.