National Bank Published Stress Test Results for Banks: 12 Institutions Passed, 6 Received Increased Requirements

Assessment of the Stability of Ukraine's Banking System for 2025

According to ХВИЛЯ: The National Bank of Ukraine has published the results of the assessment of the stability of the banking system for the year 2025. As part of this assessment, which included checking the quality of assets for all banks and stress testing for the 21 largest institutions, 12 banks successfully passed the stress testing. However, six banks received increased requirements under the baseline scenario.

Under the baseline scenario, issues with capital adequacy were identified in six banks that account for 5% of the market assets. These institutions must meet the increased requirements by the end of the current year. The list of these banks includes:

• Dnipro Credit Bank
• Tascombank
• VST Bank
• A-Bank
• Lviv Bank
• Pravex Bank

Under the adverse scenario, three more financial institutions were added to the group of problematic banks: Ukreximbank, Sense Bank, and MTB Bank. Together, this group occupies 18% of the market.

Market Situation and Stress Testing Results

This year, the National Bank of Ukraine returned to full modeling of the 'worst-case scenario' for the first time since the start of the full-scale war. A decline in gross domestic product was projected at approximately 3% in the first year of the crisis, and the exchange rate of the hryvnia was forecasted at 47 UAH per dollar over the next three years.

Among the 12 banks that successfully passed the stress testing, the following can be highlighted:

• PrivatBank
• Savings Bank
• Ukrgasbank
• Raiffeisen Bank
• UkrSibbank
• Credit Agricole Bank
• OTP Bank
• ProCredit Bank
• Credobank
• PUMB
• Universal Bank
• Southern Bank

These results indicate the stability of a certain part of the banking system, while other institutions are facing challenges requiring urgent response.

The results of the assessment of the stability of the banking system emphasize the importance of the stability of the financial sector of Ukraine, especially in conditions of military action and economic instability.

The identification of problematic banks and the establishment of increased requirements aim to ensure their financial reliability and protect the interests of depositors. This also reflects the efforts of the National Bank of Ukraine to maintain stability in the face of economic challenges.