Rada strengthens depositor protection and bank capital requirements
The Verkhovna Rada adopted in the second reading and in its entirety draft law No. 13007-d, which changes the rules for dealing with problem and insolvent banks, strengthens mechanisms for protecting depositors and creditors, and expands the powers of the Deposit Guarantee Fund for individuals. 271 members of parliament voted for the document.
The adoption of the draft law was announced by the head of the parliamentary Committee on Finance, Tax and Customs Policy, Danylo Hetmantsev. According to him, the changes are intended to make the procedure for dealing with problem banks more transparent and efficient, increase opportunities for depositors and creditors to recover funds, and reduce state costs for removing banks from the market.
The draft law significantly updates the procedures applied by the Deposit Guarantee Fund in the event of a bank's insolvency. In particular, when choosing a method of removing a bank from the market, the Fund must adhere to the principle of least cost and take into account the funds that could potentially be recovered during the subsequent liquidation of the bank.
The Fund also receives more detailed powers regarding preparation for removing a bank from the market, conducting open tenders, transferring assets and liabilities to an acquiring or bridge bank, and selling an insolvent bank to an investor.
What will change for depositors and creditors
After the start of the procedure for removal from the market or liquidation, the bank must transfer to the Fund the database of depositors to determine the guaranteed amount of compensation for each of them. The executive directorate of the DGF will approve the register for making payments on its basis.
The Fund must publish an announcement on the start of payments of guaranteed amounts no later than 20 working days after the start of the procedure for removing an insolvent bank from the market.
Separately, the fate of creditors' funds that did not receive their due payments during liquidation is regulated. Such funds will be transferred to the Fund's current account, after which the bank's obligations to the relevant creditors will be considered fulfilled. The law also details the procedure for disposing of assets that remain after satisfying the claims of all creditors.
Bank capital requirements to be raised
Another change concerns the minimum amount of banks' authorized capital. The draft law raises it from 200 million to 250 million hryvnias. Banks created before the law enters into force must bring their authorized capital into compliance with the new requirement within six months.
The document also clarifies the powers of the National Bank in the field of cyber protection and information security. In particular, the NBU receives the authority to set requirements for the protection of information in banking, payment, and other regulated financial sectors.
In addition, the rights of the National Bank as a secured creditor in collecting bank debts on refinancing loans are strengthened, and the regulation of collective investment institutions is changed, in particular the procedures for merger, consolidation, and conversion of their securities.
Draft law No. 13007-d was registered in July 2025. The Verkhovna Rada supported it in the first reading in August 2025. After today's vote, the document is being prepared for signing.
Based on materials from: Danylo Hetmantsev, Verkhovna Rada of Ukraine
