Pivdenny Bank Successfully Passed the NBU Resilience Assessment in 2025

The National Bank of Ukraine has approved the results of the 2025 resilience assessment of Pivdenny Bank, according to which the financial institution maintains a sufficient level of capital adequacy ratios and does not require the development of a capitalization program.

In 2025, for the first time since the start of the full-scale war, the National Bank included stress testing under an adverse scenario in the resilience assessment of the banking system. The testing consisted of asset quality assessment of all banks conducted by external auditors and stress testing of 21 largest banks, whose combined share of assets exceeds 90%. These banks were selected based on three criteria: the risk-weighted assets, loans and deposits of individuals.

The adverse scenario included a number of severe stress assumptions, including an exchange rate of UAH 55.1 per US dollar at the end of a three-year horizon. Taking into account the requirements of the resilience assessment, Pivdenny Bank, based on the results of stress testing, maintains an adequate level of profitability and asset quality.

Out of 21 banks that participated in the resilience assessment, only six passed it without the need to develop a capitalization program.

“The result of the resilience assessment confirms that the bank is moving in the right direction even under extremely challenging conditions. It is fundamentally important for us to maintain financial reliability, responsibility to our clients, and the trust of the regulator. This result is the achievement of the entire bank team, the support of shareholders and our strategy, which allows us not only to withstand stress scenarios but also to continue developing,” says Dmytro Votchenko, Chief Financial Officer of Pivdenny Bank.

Pivdenny Bank demonstrates a steady trend of profitability growth, has retained the status of a systemically important bank since 2019, and enjoys strong support from its shareholders. According to the results of the first 11 months of 2025, the bank’s net profit amounted to UAH 2.5 billion, which is 4.1% higher than the corresponding result of the previous year.