Over the most recent available period—from October 2025 to March 2026—approximately 15,800 housing purchase and sale agreements were concluded in Kyiv, according to data from the National Bank of Ukraine, citing the National Information Systems. This is the highest figure among the country’s regions.
By comparison, approximately 19,100 transactions were registered in the capital from January through September 2025. In the Kyiv region, 17,000 contracts were signed during this period; in the Dnipropetrovsk region, 16,800; and in the Kharkiv region, 14,000.
The NBU notes that in the fourth quarter of 2025, overall activity in Ukraine’s housing market was the highest since 2022; however, in the first quarter of 2026, the number of transactions declined significantly. Cumulatively over the last four quarters, housing sales increased by 11% year-over-year.
The NBU’s figures cover housing purchase and sale agreements in both the primary and secondary markets; therefore, they should not be equated solely with sales of apartments in new construction projects.
The National Bank of Ukraine has revoked the license of Prosto Leasing LLC to operate as a financial company authorized to engage in financial leasing, according to a statement on the regulator’s website.
The basis for this decision was the second violation within a single year of the mandatory requirement for “Prosto Leasing” to submit to the NBU an assurance report on its annual financial statements (reporting data), namely, a violation of the requirements of the Regulation on the Authorization of Financial Service Providers and the Conditions for Their Operation, approved by NBU Resolution No. 199.
As previously reported, on July 7, 2025, a corrective measure was imposed on the company in the form of a requirement to take steps to eliminate (correct) the violations identified during the supervisory review. The violation was rectified.
In 2026, “Prosto Leasing” committed a repeat violation (its second within a single year): it failed to submit to the National Bank an assurance report on its annual financial statements for 2025.
The decision to impose a corrective measure in the form of license revocation was adopted by the National Bank’s Committee on Supervision and Regulation of Non-Bank Financial Services Markets on July 20, 2026. It takes effect on the date the company is notified of the decision.
Prosto Leasing LLC is a Ukrainian financial company that has been operating in the operating and financial leasing market since August 2021. On February 19, 2024, the National Bank of Ukraine renewed the company’s license to provide financial leasing services and made the corresponding changes to the Register of Financial Institutions.
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.
In June 2026, the National Bank of Ukraine imposed sanctions on “I Lombard” LLC for violations of financial monitoring and foreign exchange laws, the regulator announced on July 7. The total amount of the fines was 4.196 million UAH.
The company received the main fine—4.096 million UAH—for improper organization and conduct of initial financial monitoring.
According to the NBU, the violations concerned the development and implementation of internal documents, customer verification, the application of a risk-based approach, additional measures regarding politically exposed persons, as well as the provision of information and documents upon request by the National Bank.
“I Lombard” was fined an additional 100,000 UAH for violating the procedures for conducting currency exchange transactions. In particular, the NBU noted the absence in internal documents of procedures for coordination between separate divisions when conducting currency exchange transactions, as well as the failure to collect remaining foreign currency balances from the cash register of a structural division.
In addition, the company received written warnings for improper maintenance of customer records and for conducting foreign exchange transactions with non-resident individuals involving the granting and repayment of loans, as well as the payment of interest in hryvnia, without the appropriate license from the NBU.
“I Lombard” LLC is a non-bank financial institution registered in Ukraine. The NBU included the company in the State Register of Financial Institutions and issued it a license to provide financial services in October 2023.
In June 2026, the National Bank of Ukraine fined JSC “PUMB” 10 million hryvnia for violating financial monitoring regulations, the regulator announced on July 7.
According to the NBU, the violations involved inadequate verification of new and existing customers, as well as a failure to apply enhanced due diligence measures to customers with high-risk business relationships.
The regulator also pointed out the bank’s improper application of a risk-based approach. In particular, the NBU noted that the bank failed to identify a high level of risk in business relationships with clients whose ultimate beneficial owners are citizens of a state engaged in armed aggression against Ukraine.
Furthermore, according to the NBU, the bank failed to promptly notify the specially authorized body of threshold financial transactions and violated requirements regarding the termination of business relationships with clients who did not provide documents or information necessary for proper verification.
In addition to the fine, PUMB received a written warning for deficiencies in its internal financial monitoring documents. The NBU noted that these documents lacked procedures sufficient for effective risk management and for preventing the use of banking services for money laundering, terrorist financing, or the proliferation of weapons of mass destruction.
FUIB—First Ukrainian International Bank—is one of the largest private banks with Ukrainian capital. The bank has been operating since 1991 and provides services to private clients, entrepreneurs, and businesses. FUIB is classified as a systemically important bank by the NBU and serves approximately 147,000 corporate clients and 1.9 million retail clients.
According to Experts.news, the gap between what buyers most often want to purchase and what sellers are offering is widening in the Ukrainian housing market, as noted in the NBU’s June Financial Stability Report.
According to the regulator, the average size of a purchased apartment remains at 48 square meters, and that of a house at about 70 square meters. At the same time, the supply continues to be dominated by more spacious apartments: their average size exceeds 65 square meters.
The discrepancy is also evident in the age of the properties. Buyers more often choose older and, consequently, more affordable apartments. In Kyiv, the median age of purchased apartments has risen to 33 years, and in the western regions, to 39 years. In real estate listings, by contrast, nearly two-thirds of apartments are offered in buildings constructed less than 15 years ago.
The NBU notes that such discrepancies between supply and demand are holding back market activity. Buyers are more interested in smaller and cheaper housing, while sellers and developers more often offer newer and more spacious properties.
This trend is also significant for developers. In the western regions and the suburbs of Kyiv, budget-friendly projects are more common, while business-class projects predominate in the capital. However, demand during wartime indicates that the average buyer is more often looking for a compact and more affordable option.
In the second half of 2025, residential construction picked up: in most regions, the planned floor area of apartment buildings where construction had begun increased significantly. Across Ukraine as a whole, this figure rose by one and a half times over the year, and in Kyiv—by more than double.
However, the NBU notes that developers continue to finance the completion of existing complexes and new projects largely with their own funds. Banks are reluctant to lend to the construction sector due to high risks.
The main takeaway for the market: further recovery in sales will depend not only on household income but also on how closely supply aligns with actual demand—in terms of square footage, price, age of the property, and level of risk for the buyer.
