The National Bank of Ukraine has reported on the results of the 2025 stress test assessment of banks and the banking system. According to the regulator, the Ukrainian banking sector remains sufficiently resilient and capitalized.

According to the NBU, most banks that form the basis of the sector's assets have sufficient capital reserves to continue lending and remain solvent even in the event of a deep and prolonged economic crisis. This indicates that financial stability in the country is maintained.

At the same time, the regulator emphasizes that some banks need to take additional measures to increase their resilience to possible future crisis events.

The assessment included an analysis of asset quality and collateral eligibility, which was conducted by external auditors for all Ukrainian banks. The results were based on extrapolation of asset valuation data as needed, which allowed the NBU to obtain a complete picture of the state of financial institutions.

Particular attention was paid to stress testing of the 21 largest banks, which accumulate over 90% of the sector's assets. The testing was conducted under two scenarios: baseline and adverse macroeconomic, to assess the ability of banks to withstand shocks and ensure the stability of the system.

According to the results of the stress testing, the estimated need for additional capital under the adverse scenario is about 5% of the regulatory capital of the banking system at the beginning of 2025. For comparison, in 2021, before the start of the full-scale war, the need for capital was almost three times higher, which indicates a significant improvement in the financial stability of the sector.

The National Bank emphasizes that the results obtained confirm the stability of the Ukrainian banking system and its readiness to withstand economic challenges, while continuing to support lending to households and businesses.