On Friday, November 14, in the southern part, in the Prykarpattia and most of the central regions at night and in the morning fog, Ukrhydrometcenter reports.
“November 14 in the southern part, in the Carpathian region and in most central regions at night and in the morning fog, visibility 200-500 m (I level of danger, yellow)”, – stated in the message of forecasters on Thursday.
It is noted that weather conditions may lead to complications in traffic.
Insurance premiums accrued under international Green Card insurance contracts concluded by member companies of the Motor (Transport) Insurance Bureau of Ukraine (MTIBU) in January-October 2025decreased by 3.74% compared to the same period in 2024, to UAH 4.620 billion. According to the MTIBU website, the number of Green Card contracts concluded during this period decreased by 4.52%, to 1.204 million.
At the same time, the amount of compensation paid on claims increased by 2.07% to EUR 42.629 million, while the number of claims paid decreased by 7.03% to 12.3 thousand.
The MTIBU is the only association of insurers providing compulsory civil liability insurance for owners of land vehicles for damage caused to third parties.
The Green Card is a system of insurance protection for victims of road traffic accidents, regardless of their country of residence and the country of registration of the vehicle. It is valid in 45 countries in Europe, Asia, and Africa.
According to the decision adopted by the General Assembly of the Council of the International Motor Insurance Bureau “Green Card” in Luxembourg in May 2004, Ukraine has been a full member of this system since January 1, 2005.
PZU Ukraine Life Insurance paid out UAH 47.1 million to customers in January-September 2025, which is UAH 4.8 million more than in the same period of 2024, according to information from the insurer. It is noted that payments of the accumulated amount in connection with the expiration of insurance contracts accounted for 47% of the total amount of payments.
Payments for other insured events amounted to UAH 24.8 million. They were mainly made in cases of injury, critical illness, various disability groups of the company’s clients, as well as in cases of death of insured persons during the term of the insurance contract. Almost 11% of the total amount of insurance payments were related to traumatic injuries of insured persons.
According to the information, the company settled 1,519 cases during the reporting period.
As reported, in January-September 2025, PZU Ukraine Life Insurance Company collected UAH 181.298 million in net premiums, which is 30% less than in the same period a year earlier.
The financial result before taxation amounted to UAH 110.326 million, which is 27.8% less than in January-September a year ago, financial expenses – UAH 134.989 million (+20.3%).
The company also reported that in the first nine months of 2025, it reduced its net profit by 20.6% compared to the same period last year, to UAH 89.977 million.
PZU Ukraine Life Insurance PJSC has been operating since 2003. It is part of the PZU Group, one of the oldest and largest in Poland in terms of gross premiums written (according to data from the Polish Financial Supervision Authority).
More than 13.3 thousand new food service businesses have opened in Ukraine this year, according to the Unified State Register. At the same time, more than 10.6 thousand food outlets have ceased operations. This year, the growth of new cafes and restaurants has more than halved. Half of the cafes and restaurants that closed this year had been in operation for less than a year and a half.
13,373 new food service outlets were opened in Ukraine this year. This is 5% less than in the same period last year. September was the most active month, with 1,699 new establishments opening.
At the same time, 10,645 cafes and restaurants ceased operations over the same period. Overall, this year’s growth of new entrepreneurs amounted to +2,728 establishments. For comparison, last year’s increase amounted to 6,004 new businesses.
The largest number of new HoReCa fops were opened this year in Kyiv (1,693), Dnipropetrovs’k (1,323), Lviv (1,136), Odesa (1,113), and Kyiv (1,054).
The restaurant business in Ukraine is currently predominantly a women’s business: 66% of new business owners are women. In some regions, this figure exceeds 70% – in particular, in Khmelnytskyi, Kirovohrad, Zakarpattia, Cherkasy, and Rivne. In no region do men prevail in terms of the number of new openings.
A quarter of the fops closed this year had been in operation for less than six months. In general, the median life of small and medium-sized businesses in HoReCa is 17 months. The oldest restaurant fop that closed this year had been operating since 1992.
Despite the decline in the number of new establishments, according to the Ukrainian service Poster, the revenue of public catering establishments increased by 6%, but this cannot be called a significant success. Attendance decreased by 9%, so the growth is due to higher prices rather than an increase in customers. The average check in restaurants has grown by 11% since the beginning of the year.
“Revenue growth of 6% is not real earnings, but catching up with inflation. The average check grew due to higher food prices and operating expenses for rent and payroll. The industry’s problems are exacerbated by the outflow of employees after legislative changes to the age of 18-22 and a decrease in the purchasing power of the population.
Despite the challenges, we do not currently see a massive outflow of customers at Poster – the number of existing establishments and those preparing to open remains within the average. The winter months are always a stressful test for the industry – not everyone passes it successfully, but in the spring new establishments open and the market is renewed,” comments Rodion Yeroshek, CEO and co-founder of the Ukrainian restaurant automation company Poster.
According to Poster, attendance has dropped across Ukraine this year. Looking at the top 5 big cities, it looks like this:
Lviv – -8%.
Odesa – -6%.
Kyiv – -13%.
Dnipro – -11%.
Kharkiv – -7%.
The number of insurance companies in Ukraine in October 2025 decreased by one. At the end of the month, 49 risk insurers and 10 life insurance companies, as well as the Export Credit Agency with special status were operating in the market, according to the website of the National Bank of Ukraine.
According to the NBU, the number of insurance and/or reinsurance brokers has not changed – 45. In October, the regulator received 55 inquiries regarding registration and licensing actions of insurers.
In general, the number of non-banking financial market participants for the month decreased to 787 from 791. In the non-banking market, there were 417 financial companies (there were 418), 102 pawnshops (there were 104), 88 credit unions, one lessor and 74 collection companies. The number of non-banking financial groups increased by one – to 42, banking groups unchanged – 16.
The number of banks in Ukraine in October 2025 has not changed and is 60, according to the website of the National Bank of Ukraine.
According to the regulator, the number of banking groups is also unchanged – 16. 15 payment systems created by residents, including state-owned ones, and 10 international payment systems continue to operate in the payment market.
Among payment service providers there are 16 payment institutions (17 a month earlier), 12 financial institutions authorized to provide payment services, one bank – issuer of electronic money, and one postal operator. Other payment market entities include 49 commercial agents and 32 technological payment service providers.
In October, the NBU received 243 requests for registration and licensing actions, including 41 requests for banks, 131 requests for financial companies, pawnshops and lessors, 55 requests for insurers, 14 requests for credit unions and collection companies, and 2 requests for payment institutions.
