According to the National Bank of Ukraine (NBU), the regulator published the regulatory capital adequacy ratios of the 26 largest banks as of October 2026. The lowest ratio was at Alliance Bank (11.07%), the highest at Pravex Bank (39.63%).
Differences between banks and selected results
The gap between them reaches almost 29 percentage points. The average regulatory capital adequacy ratio in the banking system was 17.27%.
After Alliance Bank come PrivatBank — 12.79%, Radabank — 13.08%, FUIB — 13.14% and Globus Bank — 13.72%. Next: Sense Bank — 14.01%, MTB Bank — 14.10%, Tascombank — 14.49%, VST Bank — 14.62%.
Highest ratios among stress-test participants
The highest result among stress-test participants was recorded at Pravex Bank — 39.63%. Other banks’ ratios: OTP Bank — 31%, KredoBank — 25.24%, Credit Agricole Bank — 22.08%.
All 26 institutions that underwent stress testing in 2026 had ratios above the NBU’s minimum requirement of 10%.
Increased NBU requirements and coverage of the resilience assessment
Following the 2026 resilience assessment, the NBU set heightened capital adequacy requirements for 11 of the 26 banks. These institutions account for around 10% of the banking system’s assets.
For three banks, which together account for about 5% of the sector’s assets, ratios at the start of October already exceeded the required levels. The other institutions must meet the requirements by the start of 2027 or submit to the NBU a recapitalisation or restructuring plan if they fail to reach the level.
Comparison with 2025 and assessment methodology
Compared with the 2025 resilience assessment, the estimated need for additional capital fell roughly threefold — to about 8.7 billion UAH. The share of banks’ assets subject to heightened requirements decreased from 18% to 10%.
The resilience assessment covered 57 banks operating at the start of 2026: asset quality was examined for 31, while the 26 largest banks underwent stress testing. The regulator assessed banks’ performance under baseline and adverse scenarios, taking into account potential increases in credit losses, changes in interest rates and currency fluctuations.
