On November 10, 2026, the rating agency “Standard-Rating” confirmed Agroprosperis Bank’s highest long-term credit rating on the national scale—uaAAA. The short-term credit rating of ua.K1 and the deposit rating of ua.1 were also confirmed. The assessment was based on an analysis of the bank’s performance for the first nine months of 2026 and selected statistical reports for January–October.
The uaAAA rating indicates the bank’s exceptionally high ability to meet its obligations in a timely manner and in full.
Loan portfolio growth and asset quality
According to the agency’s assessment, during the first nine months of 2026, Agroprosperis Bank’s loan portfolio increased by 45.29% and stood at 2.231 billion UAH as of October 1. At the same time, the share of non-performing loans (NPLs) remained low at 1.82%.
The share of investments in securities rose by 2.49 percentage points to 12.06% of assets. As of October 1, 2026, Agroprosperis Bank’s securities portfolio consisted entirely of Ukrainian government bonds (OVDP) and U.S. Treasury bonds—high-quality assets with low credit risk.
Capital and liquidity comfortably exceed regulatory requirements
In analyzing the bank’s financial indicators as of November 1, 2026, the agency noted its adequate level of capitalization. The bank’s regulatory capital (H1) amounted to UAH 482.171 million, the regulatory capital adequacy ratio (RCAR) was 16.22%, and the Tier 1 capital adequacy ratio (T1) and Tier 1 core capital adequacy ratio (T1C) were both 12.94%.
The bank’s liquidity ratios also showed a significant margin above the minimum regulatory thresholds set by the NBU. The Net Stable Funding Ratio (NSFR) stood at 180.13%, the Liquidity Coverage Ratio for all currencies (LCRvv) at 306.22%, and the Liquidity Coverage Ratio in foreign currency (LCRiv) at 236.41%. All three indicators exceeded the minimum regulatory thresholds set by the NBU by a significant margin.
According to the rating agency’s conclusion, as of early November and throughout the period under review, Agroprosperis Bank was well-capitalized and well-capitalized.
Financial results for the first nine months
In the report, the agency also analyzed the bank’s revenue trends compared to the same period in 2025. In the first nine months of 2026, net interest income increased by 1.89% to 205.254 million UAH. Net fee and commission income, in turn, decreased by 13.02% to 22.352 million UAH.
Profit after taxes for the reporting period amounted to 2.493 million UAH. The agency attributes this financial result to an increase in provisions due to significant growth in the loan portfolio, as well as an increase in administrative and other operating expenses.
The full text of the rating report is available in the Information for Shareholders and Stakeholders section.
