The article is devoted to the analysis of the problem of non-performing assets in the banking system of Ukraine, which has become especially relevant in the conditions of war and economic instability. The main factors influencing the increase in the share of non-performing loans are considered, in particular, the destruction of infrastructure, a decrease in economic activity, company defaults and an increase in unemployment. The authors focus on the role of effective management of problem assets to ensure the financial stability of the banking system and support its ability to lend to the country's economy in times of crisis.The article also discusses various methods of classifying nonperforming loans and their impact on the banking sector, in particular, the analysis of the dynamics of the share of non-performing assets for 2018–2024. It was found that the largest share of problem loans is held by corporate borrowers, but there is also a positive trend towards a decrease in this indicator against the background of economic reforms and international financial support. Forecasts for the further development of the situation in the nonperforming loans market in the context of post-war recovery, as well as an analysis of factors that may affect the stability of the banking system, such as stabilization of the situation at the front, economic recovery, state policy and international financial assistance, are important. The authors emphasize the need to improve risk management strategies in banks and the use of the latest technologies to assess the loan portfolio in order to minimize the share of non-performing assets in the future.
Author Biography
Sergii Oksimchuk, Department for Work with Problem Assets, JSB «UKRGASBANK», Kyiv
Head of the Department for Control and Support of Enforcement Processes, Department for Compulsory Recovery of Problem Assets of Individuals
