From January 1, 2027, banks and banking groups will need to comply with the requirements for the formation of buffers of conservation and systemic importance.
This is stated in the message of the NBU, the Ukrainian News agency reports.
The size of the capital conservation buffer will be 2.5% for all banks, the buffer of systemic importance will depend on the category of its systemic importance and is determined in the range from 1% to 2%.
The purpose of the capital buffers is to create a capital reserve to increase the banks' ability to withstand risks in times of financial and economic instability. At the same time, the availability of capital buffers provides the necessary flexibility in regulatory requirements, as it allows banks to use the accumulated safety margin in times of crisis to support lending activity.
For a long time, the absence of capital buffers in domestic banks was compensated by increased minimum capital adequacy ratios. With the introduction of buffers, there is no need for such increased values. Accordingly, the decision of the National Bank of Ukraine to bring the minimum capital adequacy ratios in full compliance with the requirements of European legislation from January 1, 2027, is a consistent step, namely:
8% - for the regulatory capital adequacy ratio;
6% - for the Tier 1 capital adequacy ratio;
4.5% - for the Tier 1 fixed capital adequacy ratio.
The above changes are another step towards harmonizing the regulation of Ukrainian banks with the standards of the European Union.
As the Ukrainian News agency earlier reported, in January, the number of non-bank financial institutions decreased by 6 companies to 769.
The number of non-banking financial market participants in January 2026 decreased by six companies to 769, the number of banks amounted to 60.
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