In the third quarter of 2025, the state-owned Oschadbank received UAH 4.19 billion in net profit, which is 38.6% more than in the same period of 2024, while pre-tax profit increased by 7.1% to UAH 5.69 billion.
According to the bank’s financial statements on its website, net interest income increased by 31.8% to UAH 8.19 billion, while net commission income increased by 25.5% to UAH 2.07 billion.
At the same time, Oschadbank incurred a loss of UAH 0.2 billion from transactions with financial instruments at fair value in the third quarter, compared to a profit of UAH 1.37 billion in the same period of 2024, while foreign currency transactions, as in the previous year, brought in UAH 0.29 billion.
Overall, the bank’s operating income for July-September increased by 17.9% to UAH 11.58 billion, while employee compensation expenses increased by 26.4% to UAH 2.70 billion, and other administrative and operating expenses increased by 35.1% to UAH 2.37 billion.
According to the report, the volume of loans provided to the bank’s customers has grown by 10.2% since the beginning of the year, to UAH 148.16 billion.
It is noted that in the third quarter, the bank continued to grow its loan portfolio in the corporate, SME, and retail segments, in particular within the framework of the “Affordable Loans 5–7–9%” and “єОселя” mortgage lending programs. As of September 30, 2025, the gross value of loans provided under the “єОселя” program amounted to UAH 10.79 billion, compared to UAH 8.57 billion at the end of 2024.
Overall, in the first nine months of 2025, the bank increased its net profit by 17.3% to UAH 13.88 billion, which allowed it to reduce its uncovered loss by 2.5 times to UAH 6.93 billion. As a result, since the beginning of the year, Oschadbank’s equity capital has grown by 28.8% and amounted to UAH 44.6 billion as of September 30, 2025, while total assets during this period increased by 6.6% to UAH 456.73 billion.
According to the NBU, as of September 1, 2025, Oschadbank ranked second among 60 banks in Ukraine with assets of UAH 452.24 billion.
