Ukrainians are taking out more loans than before the war, and this trend may continue to rise, according to research findings.

The volume of consumer bank loans to individuals, according to analysts from the Economic Research and Forecasting Center "Financial Pulse," exceeds pre-war levels of 2021 by 15%. As of 2022, the volume of the bank's mortgage portfolio surpassed the pre-war balance by 30%.

This is mentioned in the report from the Economic Research and Forecasting Center.

In the structure of the bank loan portfolio for individuals, consumer loans account for the largest share at 76.52%. The second largest share is loans for the purchase, construction, or reconstruction of real estate at 12.7%. Loans to individual entrepreneurs (FOP) make up 5.98%, while loans for vehicle purchases account for 4.79%.

The majority of loans to individuals are held by banks with state capital, comprising 54% of the total loan portfolio and 60% of the volume of non-performing loans. Private capital banks service 37% of the total volume of loans to individuals, while banks from foreign banking groups account for about 9%.

Analysts from the "Financial Pulse" Center noted that in 2024, the portfolio of loans to individuals increased, and its quality improved.

As of the beginning of 2025, the volume of loans to individuals in Ukraine's banking system amounted to UAH 295.6 billion. In 2024, compared to 2023, it grew by UAH 54.7 billion (22.7%). The volume of non-performing loans decreased by UAH 10.9 billion (19.2%).

The Economic Research and Forecasting Center anticipates further growth in the volume of the individual loan portfolio throughout 2025.

Background. Previously, Mind reported that entrepreneurs received approximately UAH 280 billion in loans during the war under the "5-7-9" program. Of these, the majority was directed towards financing working capital and anti-war objectives.