OTP BANK confirms stability and financial resilience – NBU assessment
OTP BANK JSC has successfully passed the resilience assessment of banks and the banking system of Ukraine conducted by the National Bank of Ukraine (NBU) in 2025. The Bank remains profitable, continues to strengthen its capital base, and does not require additional capitalization.
In particular, according to the Asset Quality Review (AQR) indicators as of 31 December 2024, OTP BANK’s Core Capital Adequacy Ratio (N3) amounted to UAH 18.787 billion, or 39.25%, significantly exceeding the minimum required level of 12.5%. Based on the results of the stress test under both the baseline and adverse scenarios, the Bank’s capital continues to grow, demonstrating the effectiveness of OTP BANK’s chosen business model and the high quality of its risk management framework.
“The results of the resilience assessment once again confirm that OTP BANK’s business model is balanced, resilient, and has substantial potential for further expansion and financing the recovery of businesses. Strong capitalization and high asset quality indicators demonstrate that the Bank has a significant capital buffer, enabling it to absorb adverse shocks even under the most challenging economic scenarios. OTP BANK is a reliable and predictable financial partner for clients, businesses, and the state,” said Volodymyr Mudryi, Chairman of the Management Board of OTP BANK.
Overall, 21 banks participated in the resilience assessment. Six of them were identified as having a capital shortfall under the baseline scenario.
Traditionally, the resilience assessment of banks and the banking system consists of three stages. The first stage is the Asset Quality Review (AQR) and the assessment of collateral eligibility, which was conducted for all banks by external auditors. The second stage, the extrapolation of AQR results, is applied only if a significant number of errors in the assessment of prudential loan loss provisions are identified. In 2025, none of the banks had grounds for such extrapolation. The third stage, stress testing, was carried out by the NBU only for the largest banks selected based on criteria such as the volume of risk-weighted assets, loan portfolios, and retail deposits. In addition, stress testing was mandatory for financial institutions subject to increased capital adequacy requirements following the 2023 resilience assessment.
The results of the resilience assessment of banks and the banking system of Ukraine are available via the link.
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Public Joint Stock Company OTP Bank is a subsidiary of OTP Bank, which is the largest independent Central-Eastern-European banking group. JSC OTP Bank is one of the largest domestic banks, a recognized leader in the financial sector of Ukraine. The Bank provides a full range of financial services to corporate and private customers, as well as to small and medium enterprises. The bank entered the Ukrainian market in 1998, and since then it enjoys a staunch reputation of socially responsible, reliable and stable institution providing its consumers with services of European quality standard.
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