The loan portfolio of Ukrainian banks in January-March 2021 expanded by 0.8%, to UAH 1.06 trillion, while the volume of non-performing loans (NPL) fell by 1.8%, to UAH 422.6 billion, according to a report posted on the website of the National Bank of Ukraine (NBU).
According to it, the share of NPL in the banking system in the first quarter of 2021 decreased from 41% to 39.9%.
The National Bank said that in the first three months of 2021 the portfolio of loans to the corporate sector decreased 0.4%, to UAH 792.540 billion (including the share of NPL in it – by 1.2%, to UAH 366.7 billion), in turn, the portfolio loans to individuals grew by 3.3%, to UAH 215.29 billion (NPL decreased 5.6%, to UAH 54.92 billion).
At the same time, the volume of interbank loans increased by 15%, to UAH 39.15 billion (including NPL decreased 0.3%, to UAH 981 million), while the volume of loans issued to public and local authorities decreased 4.2%, to UAH 11.24 billion (NPL remained at zero).
According to the National Bank, at the end of the quarter, the share of NPL in the portfolio of loans issued to the corporate sector fell by 0.4 percentage points (to 46.3%), loans to the population – by 2.4 percentage points (to 25.5%), interbank loans – by 0.4 percentage points (to 2.5%), and loans to public authorities remained at the level of 0%.
According to the central bank report, the loan portfolio of state-owned banks without PrivatBank in January-March 2021 increased 1.3%, to UAH 299.07 billion (the NPL volume in it decreased 0.1%, to UAH 128.9 billion) , while the loan portfolio of PrivatBank increased 0.2%, to UAH 245.376 million (NPL decreased 1.8%, to UAH 177.99 billion).
In addition, in January-March 2021, the loan portfolio of banks with foreign capital decreased 1% (to UAH 340.7 billion), and with private ones increased 5% (to UAH 173.1 billion), while the volume of NPL in them decreased accordingly 3.1% (to UAH 92.9 billion) and 4.9% (to UAH 22.8 billion).
Thus, at the end of the first quarter of 2021, the share of NPL in the loan portfolios of state-owned banks (excluding PrivatBank) decreased 0.6 percentage points (to 43.1%), in PrivatBank – by 1.4 p.p. (to 72.54%), in banks with foreign capital – by 0.6 percentage points (to 27.28%) and in banks with private capital – by 1.4 percentage points (to 13.2%).
As reported, at the end of 2020, the loan portfolio of Ukrainian banks narrowed by 4.4%, to UAH 1.05 trillion, including the volume of NPL falling by 18.9%, to UAH 430.371 billion.
