21 banks to undergo stress testing in 2025

21 banks to undergo stress testing in 2025.

This is announced in the NBU's statement, Ukrainian News Agency reports.

The National Bank of Ukraine has approved the "Terms of Reference for Assessing the Stability of Banks and the Banking System of Ukraine in 2025" (Terms of Reference).

The stability assessment in 2025 will be carried out in accordance with the standard procedure established in the Regulation on Assessing the Stability of Banks and the Banking System of Ukraine.

Within the framework of the approved concept for assessing the stability of banks and the banking system in 2025, the assessment will be carried out in three stages and will include: asset quality review (AQR) by independent auditors as of January 1, 2025, extrapolation of its results for all banks (if necessary), as well as stress testing for the largest banks under the base and adverse macroeconomic scenarios with determination of the required levels of capital adequacy ratios.

21 banking institutions, accounting for more than 90% of the banking system's assets, will undergo stress testing in 2025. Banks were selected according to three criteria: the size of risk-weighted assets, the volume of deposits attracted from households, and the volume of net loans provided to households.

The list includes the following banks:

PrivatBank JSC;

Oschadbank JSC;

Ukreximbank JSC;

UKRGASBANK JSC;

JSC SENSE BANK;

JSC Raiffeisen Bank;

JSC UKRSIBBANK;

JSC OTP BANK;

JSC CREDIT AGRICOLE BANK;

JSC PROCREDIT BANK;

JSC KREDOBANK;

JSC PRAVEX BANK;

JSC FUIB;

Joint-Stock Bank Pivdennyi;

JSC TASCOMBANK;

JSC UNIVERSAL BANK;

JSC BANK CREDIT DNIPRO;

PJSC BANK VOSTOK;

JSC A-BANK;

PJSC MTB BANK;

JSC Lviv.

The results of the assessment of the stability of banks and the banking system of Ukraine, carried out in 2025, will be published by December 31, 2025.

As Ukrainian News Agency earlier reported, a regular assessment of the stability of banks in Ukraine has been carried out annually since 2018, with the exception of 2020 and 2022, when the assessment was not carried out due to the corona crisis and full-scale invasion.

After a break, the assessment was resumed in 2023 as of April 1, but with a number of features.

According to the results of this assessment, most banks in Ukraine had sufficient capital, and the banking system as a whole had a high margin of safety, while individual banks are implementing capitalization/restructuring programs agreed with the NBU. A new assessment was not carried out in 2024, as the previous results remained relevant.

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