Ukraine’s Parliament has adopted a revised financial stability bill aimed at enhancing protection for individual bank depositors and reinforcing the resilience of the banking sector under wartime conditions.
The legislation — Draft Law No. 13007-d — updates the mandates of the Deposit Guarantee Fund, the National Bank of Ukraine (NBU) and collective investment institutions to minimise systemic risks and prevent public panic in the event of bank failures.
Key provisions include:
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Stronger depositor protection: Faster and more transparent compensation procedures in cases of bank bankruptcy.
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Clearer bank exit mechanism: A streamlined and less costly framework for removing insolvent banks from the market.
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Expanded NBU powers: The central bank gains secured-creditor status to better recover refinancing loans issued to troubled banks.
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New asset-transfer tools: Simplifies cooperation between failing and receiving banks to improve asset management.
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Improved data exchange: Enhances coordination between the NBU and the Deposit Guarantee Fund, including regulated access to confidential banking data.
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Higher capital requirements: Tightens bank capital rules in line with EU norms.
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Modernised regulation: Strengthens oversight in cybersecurity, cash circulation, and collective investment markets.
Investment Angle:
The reform reduces systemic financial risk during wartime and brings Ukraine’s banking supervision closer to European practice — reassuring investors and depositors, while creating a more predictable environment for future capital inflows into the financial sector.
