Oschadbank received record profits in the bank’s history
26 February 16:38
Oschadbank ended 2025 with a record net profit of UAH 16.1 billion, more than double the result for 2024. Pre-tax profit amounted to more than UAH 19 billion, the bank reported, according to "Komersant Ukrainian".
“In 2025, we proved that a state-owned bank can not only be financially stable but also remain a leader in customer trust. Oschadbank’s strong financial performance is the result of the work of a professional team whose goals and objectives are fully in line with the country’s needs during a prolonged war. In particular, this includes ensuring sustainable access to quality financial services for businesses and citizens even in the context of an energy crisis and near the line of contact, actively supporting economic development, and conscientiously paying taxes to meet the needs of the state. The results of our work in 2025 have allowed us to strengthen the bank and create resources for further development,” said Yuriy Katsion, Chairman of the Board of Oschadbank.
The main driver of growth, according to reports, was the expansion of lending to the real sector of the economy. In 2025, Oschadbank showed double-digit growth in all key segments: retail business — up to UAH 26.7 billion (26%); micro, small, and medium-sized businesses — up to UAH 30.2 billion (16%); corporate business — up to UAH 71.3 billion (12%).
Interest income from loans increased by 23% in 2025 and exceeded UAH 20 billion. The bank’s net interest income grew by 28% to UAH 31.1 billion, and total operating income by 25% to UAH 38.8 billion.
Oschadbank’s liabilities amount to UAH 467.7 billion. The vast majority of these are customer funds (an increase of UAH 68.5 billion, or 18%, in 2025), which indicates a high level of customer confidence.
At the same time, systematic work on problem debt made a significant contribution to the financial result. Oschadbank implemented one of the largest NPL settlement cases on the market — a project with TOK Gulliver, Oschadbank explained.
The share of government bonds in Oschadbank’s assets for 2025 decreased from 45% to 38%, reflecting a gradual shift in focus towards lending to the real sector. At the same time, investments in government securities remain an element of macro-financial stability and financing of the state’s defense and social needs for the bank.
As of January 1, 2026, Oschadbank’s assets amounted to UAH 515 billion, and its loan portfolio to UAH 128.2 billion. The bank remains the leader in lending to legal entities with a market share of about 14% and serves about 6 million active customers throughout the country.
The results of 2025 form the financial resource for further expansion of credit support for the economy in 2026, particularly in the areas of energy, the defense-industrial complex, infrastructure restoration, and the development of small and medium-sized businesses.
