NBU publishes results of bank resilience assessment

The National Bank of Ukraine has published the results of the assessment of bank stability by banking institutions.

This is stated on the the Banking Supervision. Resilience Assessment of Ukraine’s Banks page, the Ukrainian News agency reports.

The sustainability assessment involves an asset quality review (AQR) for all banks, extrapolation of AQR results in case of detection of a large number of errors in the assessment of prudential loan provisions, and for the largest banks, stress testing.

The results of the AQR practically did not require any adjustments to prudential reserve estimates. Accordingly, there was no reason to extrapolate the results of the first stage. Only one small bank, which was later declared insolvent, had significant deficiencies in its assessment.

This year, the NBU returned to the pre-war practice of stress testing using two macroeconomic scenarios - baseline and adverse. The NBU stress-tested 21 financial institutions, which together account for more than 90% of the banking system's assets.

The approaches to stress testing of banks were published in May 2025.

According to the results of stress testing in 2025, the total amount of banks' capital increased under both scenarios, while in 2021, the system's capital as a whole decreased in the unfavorable scenario. Compared to the results of the full-scale invasion resilience assessment, the number of banks subject to higher capital adequacy requirements has decreased.

Under the baseline macroeconomic scenario, the increased level of capital adequacy was set for only six financial institutions, which together account for 5% of the sector's assets: Credit Dnipro, Tascombank, VST Bank, A-Bank, Lviv Bank, and Pravex.

Under the adverse scenario, the increased required level of capital adequacy ratios was set for nine banks with a total share of 18% of the sector's assets. In addition to the six mentioned financial institutions, these are state-owned Ukreximbank and Sense Bank and private MTB Bank.

This year, 12 banks passed the stress test without establishing the required capital adequacy levels: state-owned PrivatBank, Oschadbank, and Ukrgasbank, foreign-owned Raiffeisen Bank, Ukrsibbank, Credit Agricole Bank, OTP Bank, ProCredit Bank, and Kredobank, as well as private FUIB, Universal Bank, and Pivdennyi.

All the banks for which the capital requirement has been established are already implementing restructuring programs agreed with the NBU. These programs mainly contain measures that reduce the banks' exposure to risks and, accordingly, allow them to reduce the required capital adequacy ratios. They did not provide for additional capitalization by the owners, but contained plans to increase capital at the expense of profits.

As the Ukrainian News agency earlier reported, as a result of the restructuring programs, financial institutions should reach the required capital adequacy levels set under the baseline scenario by the end of this year, and under the adverse scenario - by October 2026.