The state-owned Oschadbank (Kyiv) ended 2025 with a net profit of UAH 16.1 billion, which is more than double the 2024 figure of UAH 7.9 billion, the financial institution reported on Thursday.
“In 2025, we proved that a state-owned bank can not only be financially stable, but also remain a leader in customer trust… Last year’s results allowed us to strengthen the bank and create resources for further development,” said Yuriy Katsion, chairman of the board of Oschadbank.
According to the financial institution, its pre-tax profit in 2025 exceeded UAH 19 billion, compared to UAH 18.7 billion in 2024.
Oschadbank specified that one of the key factors in the growth of its financial results was the expansion of lending to the real sector: in the retail segment, the loan portfolio grew to UAH 26.7 billion (+26%), in micro, small and medium-sized businesses – to UAH 30.2 billion (+16%), and in corporate business – to UAH 71.3 billion (+12%).
Interest income from loans increased by 23% last year and exceeded UAH 20 billion, net interest income increased by 28% to UAH 31.1 billion, and total operating income increased by 25% to UAH 38.8 billion, the bank said.
Oschadbank’s liabilities as of the end of 2025 amounted to UAH 467.7 billion, while customer funds increased by UAH 68.5 billion (+18%) over the year.
At the same time, the bank added that work on problem debt, in particular the settlement of NPLs within the framework of the TOK Gulliver project, contributed to the financial result.
According to the bank, the share of government bonds in assets in 2025 decreased to 38% from 45%, reflecting a shift in focus towards lending to the real sector.
The bank reported that it serves about 6 million active customers and is the leader in lending to legal entities with a market share of about 14%. As of January 1, 2026, Oschadbank’s loan portfolio amounted to UAH 128.2 billion (+15.4%).
According to the National Bank, as of January 1, 2026, Oschadbank ranked second (UAH 514.65 billion) in terms of net assets among 60 banks.
