The rating agency Standard-Rating has assigned Agroprosperis Bank a long-term credit rating of uaAAA, the highest level on the national scale. In addition, the bank was assigned a short-term credit rating of ua.K1 and a deposit reliability rating of ua.1, which correspond to the highest levels on the agency’s scale.
Based on its analysis, the agency noted Agroprosperis Bank’s high financial stability, sufficient capital levels, and ability to maintain stable operations under conditions of heightened risks.
Capital with a safety margin
As of March 1, 2026, the bank’s regulatory capital (H1) stood at UAH 369.9 million, exceeding the established requirement by UAH 169.9 million.
The regulatory capital adequacy ratio (RCA) stood at 15.95%, which is 5.95 percentage points above the minimum level and exceeds the average for the banking system.
Asset quality and a balanced management model
Non-performing loans account for 2.06% of the bank’s portfolio, which is 6.76 times lower than the banking system average.
At the same time, 70.75% of assets consist of highly liquid instruments with low credit risk—cash and government securities of Ukraine and the United States.
This balance sheet structure confirms the high quality of assets and a balanced approach to risk management.
Support from an International Investor
The sole shareholder of Agroprosperis Bank is an international institutional investor—the NCH Agribusiness Partners II fund structure, which includes investors with high credit ratings, notably the EBRD. This ownership structure allows the bank’s level of external support to be assessed as the highest possible.
Significant liquidity buffer
The bank maintains significant levels of NSFR, LCR-I, and LCR-II liquidity ratios, which substantially exceed regulatory requirements. According to the agency’s assessment, this indicates a conservative liquidity management policy that is appropriate for wartime challenges.
Profitability and operational efficiency
As of the end of 2025, Agroprosperis Bank’s profit increased 2.52-fold to UAH 78.4 million.
At the same time, the bank optimized administrative expenses, reflecting improved operational efficiency.
The full text of the rating report is available in the Information for Shareholders and Stakeholders section on the bank’s website.
