426 million in fines in 2025. Banks owned by Poroshenko, Tigipko, and Sosisa are among the top violators.

In 2025, the National Bank of Ukraine will noticeably tightened supervision The banking sector was also affected. Almost every second bank on the market – 26 out of 59 – was subject to penalties, and the total amount of fines reached UAH 426.2 million, which is 23% higher than in 2024.

The distribution of fines in 2025 was uneven. For calculations the top 10 violators accounted for over 81.2% of the total amount of NBU sanctions in 2025. These institutions were the main "donors" to the regulator's penalty statistics.

The leaders of the anti-rating were banks with different business models and owners, but they are united by a common problem – violations in the field of financial monitoring. LIGA.net we have compiled a list of banks that paid the most fines to the NBU in 2025 and analyzed the specific violations for which the regulator penalized the market.

The top five in penalty statistics

The absolute leader of the anti-rating by the amount of fines was Alliance Bank, who was fined 83.4 million hryvnias.

In October 2025, the bank received two fines from the NBU at once. First – UAH 67.6 million was imposed for improper organization of initial financial monitoring. The second fine of UAH 15.9 million was for improper customer due diligence, as well as for a client whose ultimate beneficial owner is a family member of a politically exposed person.

The owners of the bank are Ukrainian citizens – businessmen Oleksandr Sosis and Pavlo Shcherban.

The second-highest amount of fines in 2025 was MTB Bank – UAH 78.1 million. The largest fine – UAH 75 million – was imposed by the regulator for violations in the field of financial monitoring: improper customer due diligence, ignoring a risk-based approach, and weak risk management during the launch and use of new financial products and remote services.

Additionally, the bank was fined UAH 3.1 million for the untimely detection of a risky foreign exchange transaction.

Source: LIGA.net's own graphics

The International Investment Bank (IIB) took third place in the anti-rating, with a total amount of fines in 2025 reaching UAH 38.8 million. The main claims of the regulator concerned financial monitoring and currency supervision.

The NBU imposed the largest fine of UAH 20.5 million for improper customer due diligence, failure to adhere to a risk-based approach, and issues with providing complete and reliable information in response to the regulator's requests.

The bank received another UAH 13.5 million for violations in the organization of initial financial monitoring, and almost UAH 4 million for the lack of additional analysis of clients' foreign exchange transactions.

The MIB is linked to the fifth president of Ukraine, Petro Poroshenko. In April 2025, The NBU has officially recognized The politician's business reputation is not flawless due to the sanctions imposed by the National Security and Defense Council. The regulator assured that the decision does not affect the stability of the IBR's operations or customer service.

Universal Bank (mono) The bank took fourth place in the anti-rating, although it received only one fine during the year. However, its amount of UAH 27.3 million automatically put the bank in the top of the biggest violators.

The regulator's claims primarily concerned financial monitoring. Separately, the regulator pointed to insufficient online monitoring of transfer payers and untimely reporting on the termination of relationships with clients and transactions with frozen assets.

Universal Bank is owned by a Ukrainian businessman. To Serhiy Tihipko and is part of the financial group TASIn addition to Universal Bank, Tihipko controls two other banks in Ukraine – TAScombank and Idea Bank.

The top five biggest fines are rounded out by Pivdenny Bank. In 2025, it received two fines totaling UAH 18.5 million.

The main part of the sanctions, UAH 17.5 million, concerned violations in the field of financial monitoring. The bank received another fine of UAH 1 million for violating currency supervision rules.

Who else made it into the top ten biggest fines?

Another bank owned by Serhiy Tihipko entered the top ten biggest fined banks in 2025 – TAScombankThe total amount of NBU sanctions amounted to UAH 21 million.

The largest fine – UAH 11 million – was imposed on the bank in May 2025 for failing to apply a risk-based approach and for inadequate customer due diligence, including with respect to persons linked to sanctioned individuals.

The regulator imposed another UAH 10 million fine for systemic violations of AML/CFT (anti-money laundering and combating the financing of terrorism) requirements: problems with client risk assessment, inadequate due diligence, and again, for failing to consider the sanctions status.

In 2025, two more banks, Krystalbank and Ukrainian Capital Bank, received fines of UAH 20 million each.

The NBU fined Krystalbank for improper organization and conduct of initial financial monitoring. In addition, the regulator issued a written warning to the bank due to the lack of enhanced measures during the verification of a client who is a family member of a politically significant person.

Ukrainian Capital Bank paid a fine for inadequate customer due diligence and failures in applying basic financial monitoring requirements.

Two more banks, Bank VST and Radabank, were at the bottom of the top ten largest NBU fines. The amount of sanctions was UAH 16 million and UAH 15 million, respectively, and in both cases, the regulator drew attention to the weakness of basic financial monitoring processes.