53 financial companies have been granted significant status: what does this mean for the market and customers
23 January 11:34
The National Bank of Ukraine has published its first official list of significant financial companies. The relevant decision by the regulator’s board was published on January 22, according to "Komersant Ukrainian".
The list includes 53 financial companies.
Who received the status of significant financial companies
Among the companies that the National Bank has recognized as significant are major players in the microcredit, leasing, payment services, and factoring markets, as well as state financial institutions. The list includes Miloan LLC, Maniveo Quick Financial Assistance LLC, Consumer Center LLC, Way For Pay LLC, NovaPay Credit LLC, OTP Leasing LLC, the State Mortgage Institution, the State Fund for Youth Housing Construction, Ukrainian Financial Housing Company PJSC, and others.
In general, the list includes both private and state-owned entities operating in key segments of the financial market.
The list includes the following companies:
- AVIOR Financial Company LLC;
- LLC “FINANCIAL COMPANY AKTIVITIS”;
- Miloan LLC;
- MANIVEO QUICK FINANCIAL ASSISTANCE LLC;
- AVENTUS UKRAINE LLC;
- SPOZHIVCHYI CENTR LLC;
- Financial Company Kontraktovy Dom LLC;
- ProfitGuide LLC;
- WAY FOR PAY LLC;
- Premium Finance LLC;
- PJSC “Ukrainian Financial Group”;
- Financial Company Oktava Finance LLC;
- OTP Leasing LLC;
- ULF-FINANCE LLC;
- ESKA CAPITAL LLC;
- DASTER CAPITAL FINANCIAL COMPANY LLC;
- DELTA FINANCE FINANCIAL COMPANY LLC;
- PT GARANT SERVICE LLC DELUXE FINANCE AND COMPANY;
- LLC “FINANCIAL COMPANY MBK”;
- PAYTEK LLC;
- LLC “FINANCIAL COMPANY “ALFA-INVEST GROUP”;
- LLC “Financial Company “Centrofinance”;
- LLC “FINANCIAL COMPANY MAGNAT”;
- LLC “FINANCIAL COMPANY “TAIGER INVEST”;
- ALLIANCE CAPITAL GROUP FINANCIAL COMPANY LLC;
- Winner Leasing LLC;
- SKANIA CREDIT UKRAINE LLC;
- LLC “FINANCIAL COMPANY “ROYAL FINANCE 1”;
- FINANCIAL COMPANY FINACO LLC;
- SOLYUSHINS FACTOR FINANCIAL COMPANY LLC;
- LLC “FINANCIAL COMPANY “ATLANA”;
- FINANCIAL COMPANY “YE GROshi” LLC;
- FARD STANDARD LLC;
- PERFECT FINANCE LLC;
- FINEXPERT FINANCIAL COMPANY LLC;
- NovaPay Credit LLC;
- 1 SAFE AGENCY FOR NECESSARY LOANS LLC;
- LINEURA UKRAINE LLC;
- UKR CREDIT FINANCE LLC;
- SMARTWAY UKRAINE LLC;
- SELFI CREDIT LLC;
- State Specialized Financial Institution “State Fund for Youth Housing Construction”;
- PJSC “UKRAINIAN FINANCIAL HOUSING COMPANY”;
- STATE PJSC “NATIONAL JOINT STOCK COMPANY “UKRAGROLIZING”;
- State Mortgage Institution;
- LLC “FINANCIAL COMPANY “ATOM FINANCE”;
- SKHID FINANS LLC;
- FINVINE FINANCIAL COMPANY LLC;
- INTER WAY CAPITAL LLC;
- BEST LEASING LLC;
- TEKOM-LEASING LLC;
- FINANCIAL COMPANY “EUROPEAN MICROFINANCE ALLIANCE” LLC;
- Eximleasing LLC.
What criteria did the NBU use to determine significance?
The list was compiled in accordance with the Regulations on the criteria for determining the significance of a financial company. A company was recognized as significant if it met at least one of the following criteria:
- the performance indicator is at least five points according to the NBU indicator system;
- the share of assets and off-balance sheet liabilities exceeds 1% of the total market volume (except for companies with a state share of more than 50%);
- the company is the responsible entity of a financial group that the NBU has recognized as medium or large;
- the NBU has identified a high or very high risk of consumer rights violations;
- the company has participated in state or municipal financial support programs, regardless of the volume of its activities.
A company acquires or loses its significance status from the moment the relevant list is published by the NBU.
What additional requirements await significant companies
Obtaining this status means increased regulatory oversight for financial companies. In particular, they are required to:
- develop and submit to the NBU a 3-5 year business plan;
- notify the regulator of any increase in authorized capital and the source of funds within 15 business days;
- undergo an in-depth check by the NBU regarding the business reputation of managers and owners of significant interests;
- conduct a risk self-assessment and inform the regulator of its results;
- bring their corporate governance and internal control systems into line with the new standards.
Financial companies included in the list must adapt their activities to the new requirements by July 1, 2026.
Why is this important for customers and the market?
According to the regulator, the introduction of the institution of significant financial companies should increase consumer protection, reduce systemic risks, and make the non-bank financial services market more transparent and sustainable.
As of January 1, 2026, there were 411 financial companies operating in Ukraine, so only a limited part of the market was included in the list of significant companies — those players whose influence is most significant for the economy and citizens.
