In 2025, the loan portfolio of Ukrainian banks can increase by 20-25%, which will balance the investment in government bonds (T -bills). This was stated by the first deputy chairman of the National Bank of Ukraine Kateryna Rozhkova.
According to Rozhkova, the share of the loan portfolio on banks is gradually increasing, and this trend has a chance of preservation. The regulator notes the improvement of credit metrics in the real sector, in particular: the solvency of enterprises, the ratio of debt to revenue, the level of debt service costs. This was made possible by adaptation of business in war and state supporting programs that contributed to stabilization of enterprises. Consumer demand is currently weak, so the key role in the development of the economy is played by businesses ready to invest in production, the NBU said. An additional source of solvent demand is public expenditures, especially defense.
The NBU also recorded an increase in the proportion of long -term loans (from 1 to 3 years) on the bank's credit portfolio. This testifies to the revival of investment activity - many new loans are aimed at the development of production, not the working capital.
