The National Bank of Ukraine (NBU) completed its annual resilience assessment of 26 banks in 2026, covering more than 90% of the banking system’s assets. As a result of the stress testing, Ideia Bank’s indicators confirmed a high level of capitalisation and resilience.
Most banks have a capital buffer to continue lending
The assessment tested financial institutions’ ability to withstand a deterioration in the economic situation, rising credit losses, changes in interest rates and currency fluctuations. On average across the system, capital adequacy ratios during 2026 were substantially above the regulator’s minimum requirements.
According to the assessment, most institutions have a sufficient capital buffer to continue operating and lending even under a prolonged crisis. At the same time, 11 of the 26 largest banks must meet elevated capital adequacy requirements and maintain a larger financial reserve.
Ideia Bank: indicators as of the beginning of October 2026
“Ideia Bank continues to demonstrate a high level of resilience and capitalisation; the bank consistently meets all the regulatory requirements set out by the National Bank of Ukraine. According to this year’s resilience assessment of banks, Ideia Bank has a sufficient level of capital and an adequate margin of safety even under an adverse economic scenario. The bank continues to lend, attract deposits, offer a full range of services and remain a resilient and reliable partner for both retail clients and business customers,” said Oleh Lutsenko, a member of the Management Board of Ideia Bank, chief financial and operating officer.
As of the beginning of October 2026, the bank’s capital amounted to 2.88 billion UAH, net profit was 0.359 billion UAH, net assets were 13.03 billion UAH, the loan portfolio was 10.1 billion UAH, and funds of individuals totalled 6.23 billion UAH. Earlier the article noted that the volume of individuals’ funds had reached 6.2 billion UAH, and deposit growth over nine months of 2026 was 24%, and 33% over the last 12 months.
In 2026 the bank won in two categories at the FinAwards2026: “Best Deposit” and “Best Cash Loan.” In November 2026 the credit product O. Kartka from Ideia Bank entered the top three in a ranking of the best credit cards compiled by RBK - Ukraine. JSC "Ideia Bank" has operated in Ukraine for 37 years; it was founded in 1989. In 2025 Alkemi Limited (Cyprus) acquired 100% of the bank’s shares. NBU licence No. 96 dated 04.11.2011. Registered in the State Register of Banks under No. 46.
