FinObservatory

Country profile / UKR

Ukraine

One canonical page for Ukraine’s financial profile, composed from the crisis atlas, IMF sovereign-debt data, the World Bank GFDD and Global Findex, the BIS credit, policy-rate and exchange-rate statistics, the external accounts (IMF balance of payments and international investment position, official reserves, capital-account openness and remittances), and the Penn World Table’s population and GDP scale. Each section links to its dedicated module and cites its own primary source; sections appear only where Ukraine has data.

Latest government debt
89.8%
2024 (General govt (IMF GDD))
Financial crises on record
16
10 banking, 3 currency, 3 sovereign
Private credit by banks
17.6%
GFDD, 2021
BIS credit-cycle data
Not covered
BIS ~44-economy set only
Nonperforming loans (current)
13.9%
IMF FSI, 2025

Cross-border banking exposure: how much BIS-reporting banks lend to Ukraine.

Economic scale

Population, real GDP per capita, and total-factor productivity from the Penn World Table, 1950–2023. A scale reference for every other section on this page, not a financial-risk series in its own right.

Population
37.723
millions
35.040.045.050.055.019902023
Real GDP per capita (PPP)
1643223
2021 US$, chained
500010000150002000019902023
Total factor productivity
0.7623
index, this country's 2021 = 1
0.400.600.801.0019942023

Source: Penn World Table 11.0 (Feenstra, Inklaar and Timmer 2015). License: CC BY 4.0. Methodology

Crisis history

Full crisis atlas →

3 episodes between 1998 and 2018. Consecutive crisis years are merged into episodes (gaps of up to two years bridged); each links to its episode page.

BankingCurrencySovereign debt

Source: Global Macro Database 2026_06 | Reinhart-Rogoff (HBS BFFS) | Laeven & Valencia (2020, 2026) | ECB/ESRB Financial Crises Database. License: non-commercial research (inherits GMD / JST); cite all five chronologies. Methodology

Financial depth and soundness

Depth (private credit, deposits) and soundness (Z-score, nonperforming loans, concentration) from the World Bank GFDD. GFDD values end in 2021 (the dataset’s last release year); a flat recent tail is the data stopping, not the sector standing still.

Private credit by banks
17.621
% of GDP
0.0025.050.075.019922021
Bank deposits
27.321
% of GDP
0.0020.040.060.019922021
Bank Z-score
5.1821
index (higher = sounder)
2.004.006.008.0010.020002021
Nonperforming loans
41.020
% of gross loans
0.0020.040.060.019992020
Bank concentration
63.621
% assets, top 3 banks
25.050.075.010020002021

Source: World Bank Global Financial Development Database (Sep 2022). License: CC BY 4.0. Values end 2021 (GFDD's last release year). Methodology

Current soundness (IMF FSI)

The World Bank GFDD soundness series above end in 2021. The IMF Financial Soundness Indicators are current: annual through 2025. These deposit-taker core indicators cover capital adequacy (regulatory and Tier 1 capital to risk-weighted assets), asset quality (nonperforming loans), earnings (return on assets and equity), and liquidity (liquid assets to total assets). Each panel is a standalone series with its own scale; the headline is the latest value and its year.

Regulatory capital
16.425
% of risk-weighted assets
10.015.020.025.020052025
Tier 1 capital
16.125
% of risk-weighted assets
5.0010.015.020.020052025
Nonperforming loans
13.925
% of gross loans
0.0020.040.060.020052025
Return on assets
5.8325
% (annualized)
-20.0-10.00.0010.020052025
Return on equity
29.925
% (annualized)
-200-1000.0010020052025
Liquid assets
69.221
% of total assets
0.0020.040.060.080.020052021

Source: IMF Financial Soundness Indicators (FSI). License: IMF, free with "Source: IMF, Financial Soundness Indicators" attribution. Deposit-taker core set; coverage varies by indicator and year. Methodology

Financial inclusion

How much of the adult population (age 15+) is inside the financial system, from the World Bank Global Findex 2025: account ownership, digital payments, and formal saving and borrowing. Findex is a survey run in waves (2011, 2014, 2017, 2021, 2024), so each card is a wave sparkline with the latest reading and the change since the first wave available for Ukraine.

Account ownership
87.62024
% age 15+
5 waves, 2011-2024+46.3 pp since 2011
Made or received a digital payment
82.92024
% age 15+
4 waves, 2014-2024+34.6 pp since 2014
Saved at a financial institution
20.72024
% age 15+
5 waves, 2011-2024+15.3 pp since 2011
Borrowed from a financial institution
28.62024
% age 15+
4 waves, 2014-2024+6.9 pp since 2014

Source: World Bank Global Findex Database 2025. License: CC BY 4.0. Survey waves; percent of adults age 15+. Methodology

Credit cycle

Ukraine is not in the BIS credit-statistics reporting set (a fixed group of around 44 advanced and major emerging economies), so no credit-to-GDP gap, debt-service ratio, or property-price series is available here.

Source: BIS credit and debt-service statistics | BIS residential property prices. License: free with "Source: BIS" attribution. Methodology

Policy rate and exchange rate

Ukraine is in neither the BIS central-bank policy-rate set (48 economies) nor the BIS real broad effective-exchange-rate set (63 economies), so no policy-rate or exchange-rate series is available here.

Source: BIS central bank policy rates | BIS effective exchange rates. License: free with "Source: BIS" attribution. Methodology

External accounts

Ukraine’s external position: the current-account balance (IMF, percent of GDP), the net international investment position and total official reserves (both shown as US-dollar levels, in billions, because the IMF IIP and World Bank reserve series carry dollar values rather than ratios), the degree of capital-account openness (the Chinn-Ito index, 0 closed to 1 open), and remittance inflows. A positive current account or net-IIP reading is a surplus/creditor position; a negative one is a deficit/debtor position. Each panel appears only where Ukraine has that series.

Current-account balance
-7.9624
% of GDP
-10.00.0010.020.019922024
Net international investment position
-72.325
US$ billion (level)
-75.0-50.0-25.00.0020002025
Total reserves
57.325
US$ billion
0.0020.040.060.019922025
Capital-account openness
0.002023
index, 0 = closed, 1 = open
annual, 1996 to 2023
Remittance inflows
12.02024
US$ billion
annual, 1996 to 2024

Remittance inflows are shown as external-flow context (household income received from abroad), not a FinObservatory risk score.

Source: IMF Balance of Payments and IIP Statistics | World Bank, Total reserves (FI.RES.TOTL.CD). License: IMF and World Bank, free with attribution ("Source: IMF"; World Bank reserves CC BY 4.0). Current account and net IIP: IMF BOP/IIP, to 2025. Reserves: World Bank FI.RES.TOTL.CD, to 2025. Methodology

Source: Chinn-Ito index of capital-account openness (Chinn and Ito 2006). License: research use with citation only (Chinn-Ito); not for commercial redistribution. Capital-account openness ends 2023. Methodology

Source: World Bank / KNOMAD Migration and Remittances Data. License: CC BY 4.0 (World Bank / KNOMAD). Remittance inflows end 2024; shown as context, not a risk score. Methodology

International debt securities

Outstanding international debt securities issued by Ukraine’s residents, by issuer sector, from the BIS: bonds and notes placed outside the home market (residence basis), in US-dollar billions. These are international issues only: domestic-market issuance is excluded, so this is not a country’s total debt-securities outstanding and is far smaller than its whole bond market. “All issuers” is the total; the government, financial-corporation and non-financial-corporation lines are its components, each shown only where the BIS reports it.

All issuers
$13.5B
2026-Q1
General government
$11.0B
2026-Q1
Financial corporations
$0.10B
2026-Q1
Non-financial corporations
$2.3B
2026-Q1
All issuersGeneral governmentFinancial corporationsNon-financial corporations
$0.00B$10.0B$20.0B$30.0B199820002002200420062008201020122014201620182020202220242026AllGovtNon-finFin

Source: BIS debt securities statistics (international debt securities). License: free with "Source: BIS" attribution. International issues only (residence basis); domestic issuance excluded. Quarterly, 1997-Q3 to 2026-Q1. Methodology

Latest government debt 89.8% of GDP (2024, General govt (IMF GDD)). Peak 89.8% in 2024. This is 9.1 points above the 80.7% median at which 2000+ sovereign crises began (a comparison, not a prediction).

Latest debt
89.8%
2024
Peak debt
89.8%
2024
Sovereign crises
2
last 2015

Source: IMF Global Debt Database | IMF World Economic Outlook. License: IMF, free with "Source: IMF" attribution. Methodology

Reading this profile

  • This page composes existing FinObservatory layers; it introduces no new data. Every figure is reproducible from the source cited in its section. See the methodology for the composition and each source’s coverage and staleness.
  • The layers stop at different dates: the World Bank GFDD depth and soundness series end 2021, but the IMF FSI soundness panel is current (annual through 2024–2025 where reported); the Global Findex inclusion series are surveyed in waves and reach 2024; the crisis chronologies end around 2016–2021; IMF debt runs to 2024; the Penn World Table runs 1950–2023; and the BIS statistics are the most current (credit through 2025, residential property to 2026Q1, and the policy rate and effective exchange rate into 2026 where reported). The external accounts reach 2025 (IMF balance-of-payments and reserves), 2024 (remittance inflows) and 2023 (capital-account openness). A quiet recent tail in one section can simply be where that source stops.
  • Sections are shown only where Ukraine has data. An absent section means the underlying dataset does not cover this country, not that the value is zero.