First Ukrainian International Bank (FUIB, Kyiv) increased its net profit by 2.5% in the third quarter of 2026—to 1.26 billion UAH from 1.22 billion UAH in the same period of 2025.
According to the bank’s interim financial statements, pre-tax profit in the third quarter rose by 53.8% to 2.51 billion UAH, net interest income by 38.3% to 6.05 billion UAH, and net fee and commission income by 55.8% to 0.99 billion UAH.
At the same time, the loss from impairment of financial assets increased by 49.1% to 1.62 billion UAH, and operating expenses rose by 23.8% to 3.22 billion UAH. Income tax expenses increased 3.1-fold to 1.26 billion UAH from 0.41 billion UAH.
Compared to January–September 2025, PUMB’s net income decreased by 8.7% to 4.38 billion UAH, while pre-tax income increased by 37.0% to 8.75 billion UAH.
Net interest income for the nine-month period increased by 35.3% to 16.93 billion UAH, while net fee and commission income rose by 22.0% to 2.92 billion UAH. Income tax expense totaled 4.38 billion UAH, compared to 1.60 billion UAH a year earlier.
The volume of loans and advances to customers since the beginning of the year grew by 31.5% to 129.03 billion UAH. Specifically, the corporate loan portfolio, net of expected credit losses, increased by 29.2% to 96.63 billion UAH, while the retail loan portfolio grew by 38.8% to 32.40 billion UAH.
The gross book value of loans to the 20 largest borrowers as of September 30 was 14.44 billion UAH, or 10% of the loan portfolio before provisions, compared to 14.52 billion UAH, or 14%, at the beginning of the year.
Customer deposits increased by 7.9% over the first nine months, to 206.20 billion UAH. Deposits from individuals rose by 14.7%, to 76.03 billion UAH, while those from legal entities increased by 4.3%, to 130.17 billion UAH.
Since the beginning of 2026, PUMB’s assets have grown by 8.9% to 251.56 billion UAH, liabilities by 8.0% to 215.48 billion UAH, and equity by 14.3% to 36.08 billion UAH.
FUIB is the largest privately-owned bank in Ukraine; its ultimate beneficiary is Rinat Akhmetov.
According to the bank, since the start of the full-scale invasion, it has paid over 25 billion UAH in taxes and fees to the state budget. Investments in social projects exceeded 1.5 billion UAH.
First Ukrainian International Bank (FUIB) has signed its first loan agreement with the National Development Institution (NUR) for EUR 2.9 million to finance Ukrainian entrepreneurs and companies, the bank announced on Monday.
The agreement was signed on August 28 by PUMB Deputy Chairman of the Board Artur Zagorodnikov and NUR Chairman of the Board Andriy Hapon.
“The signing of the first loan agreement with the NDR is an important practical outcome of the partnership we launched under state-sponsored preferential programs back in February 2020 and successfully continued several months ago by attracting funds from foreign investors,” Zagorodnikov said.
Under the terms of the agreement, NUR will provide PUMB with financial resources, which the bank will direct toward lending to individual entrepreneurs and micro, small, and medium-sized private enterprises operating and investing in Ukraine.
The funds may be used for investment projects, the modernization and development of production, the purchase of equipment, and the replenishment of working capital.
According to the National Bank, as of July 1, 2026, PUMB, with total assets of 248.63 billion UAH, ranked fifth among Ukraine’s 59 banks. The bank’s loan portfolio grew by 17.6% in the first half of the year, reaching 115.4 billion UAH.
BUSINESS, FUIB, INVESTMENT, LOAN, НУР
FUIB respects the decisions of the National Bank of Ukraine and prioritizes compliance with financial monitoring legislation.
The bank has taken into account the NBU’s comments to further improve and fine-tune its processes and procedures to meet the requirements of financial monitoring legislation. At the same time, the identified violations are not systemic and do not indicate a lack of an adequate risk management system or proper organization and conduct of initial financial monitoring at PUMB.
To date, PUMB has already developed an action plan to address the identified shortcomings and further improve internal procedures and controls in the area of financial monitoring. The bank systematically invests in the development of technological solutions and process automation aimed at enhancing the effectiveness of its financial monitoring system.
FUIB continues to engage constructively with the National Bank of Ukraine and is consistently working to improve the effectiveness of its financial monitoring system.
It should be noted that FUIB is one of the largest taxpayers in Ukraine. Since 2022, the bank has paid 20.4 billion UAH in taxes to budgets at all levels. At the same time, PUMB actively supports Ukraine and its defense forces: the bank’s investments in social projects since 2022 have exceeded 1.4 billion UAH, of which more than 544 million UAH has been allocated to support the Armed Forces of Ukraine, the Territorial Defense Forces, the State Emergency Service, the National Police, the National Guard, the Main Intelligence Directorate, and the Security Service of Ukraine.
Chicken producer Kuriar attracted UAH 1 billion in loan financing from First Ukrainian International Bank (FUIB, Kyiv) to transform its business from a chicken producer to a system integrator in the industry, according to the Ukrainian Retailers Association.
According to the report, the funds raised will be used to modernize logistics, automate processes, develop deep processing of products, and introduce new quality standards for entry into national retail chains and EU markets.
“We are investing in standards that will allow us to become certified and enter the European market. This is a logical step for a company that plans to be a leader,” said company founder Andriy Kindifora.
According to the association, the company’s development strategy involves a transition to a growth model through cooperation with small and medium-sized producers. According to Kuriar CEO Ivan Semen, investments are directed not only at the company’s own brand, but also at creating a system that allows the industry to grow predictably, despite the difficult demographic situation and the shift of production capacities to the western regions of the country due to the war.
Cooperation with FUIB began with a factoring limit and grew into a strategic partnership. As noted by Igor Koptsyukh, the bank’s head of sales to medium-sized corporate clients, for the financial institution, this agreement is an investment in a business model with high scaling potential.
“For us, FUIB is not just a lender, but a partner that supports the company in the entire spectrum of financial decisions,” Kuriar emphasized.
K-Agroinvest Trade LLC (Kuriya brand) was founded in 2014 in the Zolochiv district of the Lviv region on the basis of facilities that have been developing since 2005. The vertically integrated full-cycle chicken producer has four poultry farms, a feed mill, a slaughterhouse, and a logistics center. It specializes in importing chickens and selling over 100 types of meat products. The beneficiary of the enterprise is Andriy Kindifora.
According to the National Bank of Ukraine, as of September 1, 2025, FUIB, with assets of UAH 193.14 billion, ranked 5th among 60 banks in the country. The ultimate beneficiary of the bank is Rinat Akhmetov.
First Ukrainian International Bank (FUIB, Kyiv) received UAH 1.22 billion in net profit in the third quarter of 2025, which is 10.1% less than in the same period of 2024, when it amounted to UAH 1.36 billion.
It is noted that pre-tax profit also decreased by 10.1% to UAH 1.63 billion, while net interest income increased by 18.1% to UAH 4.38 billion, and net commission income increased by 43.3% to UAH 0.64 billion.
According to the report, the decline in net profit is mainly due to an increase in impairment losses to UAH 1.1 billion from UAH 0.16 billion in the third quarter of 2024, while the bank’s operating expenses increased by 9% to UAH 2.6 billion, and net income from foreign currency transactions decreased by 21.9% to UAH 0.18 billion.
According to the document, in January-September of this year, the bank significantly increased its portfolio of loans and advances to customers – by 30.2% to UAH 87.13 billion as of September 30, 2025, compared to UAH 66.92 billion at the beginning of 2025.
As of September 30, 2025, the total loan portfolio of the bank’s 20 largest borrowers grew to UAH 12.11 billion, which is 23.9%, or UAH 2.33 billion, more than at the end of 2024, but its share in the loan portfolio, excluding reserves, remained at 13%.
Since the beginning of the year, FUIB’s total assets have grown by 4.4%, or UAH 8.22 billion, to UAH 194.81 billion, while total liabilities have grown by 2.3%, or UAH 3.77 billion, to UAH 168.16 billion.
The bank’s equity increased by 16.4%, or UAH 3.76 billion, to UAH 26.64 billion, of which retained earnings amounted to UAH 16.13 billion.
Overall, in the first nine months of this year, net profit decreased by 7.6% compared to the same period last year, to UAH 4 billion 792.21 million, with net interest income growing by 15.6% to UAH 12.52 billion and net commission income by 43.1% to UAH 2.39 billion.
According to the National Bank, as of September 1, 2025, FUIB ranked fifth among 60 banks in Ukraine with assets of UAH 193.14 billion. The ultimate beneficiary is Rinat Akhmetov.
In the first half of 2025, the private FUIB increased its total assets by 3.8% to UAH 203.2 billion and became the fifth largest bank in Ukraine in terms of this indicator, while state-owned Ukrgasbank, whose total assets decreased by 11.5% to UAH 189.2 billion, fell to sixth place, according to data published by the National Bank of Ukraine on its website.
According to the data, PrivatBank remained Ukraine’s largest bank in terms of total assets by a significant margin in the middle of this year, with UAH 975.3 billion, which is 1.9% more than at the beginning of the year.
It is followed by two other state-owned banks: Oschadbank, whose assets decreased by 0.5% to UAH 460.2 billion, and Ukreximbank, which increased them by 1% to UAH 318.6 billion.
In fourth place is the largest bank with foreign capital, Raiffeisen Bank, which increased its total assets by 6.7% to UAH 252.2 billion in the first half of the year.
The main change in the top five was the entry of OTP Bank, which increased its total assets by 6.2% to UAH 128.3 billion, while Credit Agricole Bank increased its assets by only 0.5% and ranked 11th in the overall ranking of banks by this indicator with UAH 123.2 billion.
Ukrsibbank ranked seventh in terms of total assets as of mid-year, increasing them by 1.5% to UAH 176.0 billion, but now it is closely followed by Universal Bank (mono) with UAH 173.1 billion, which managed to increase its assets by 12.1% in just six months.
Finally, in ninth place is the nationalized Sens Bank, whose assets grew by 5.5% in six months to UAH 153.1 billion.
The full version is published in the agency’s economic reports.
