This NBU Resolution No. 64 dated June 12, 2026, is a regulatory act that implements a mechanism for the operation of “financial inclusion banks” in Ukraine. The document establishes special rules for the licensing, regulation, and supervision of the activities of such banks, which aim to ensure equal access to financial services for the population. The Resolution details the requirements for the strategies, business plans, and internal policies of banks operating in this segment. It also defines the procedure for reissuing a standard banking license into a limited banking license.
**Structure and Main Provisions:**
The Resolution introduces comprehensive amendments to three key NBU documents:
1. **Instruction on the Procedure for Regulating Banking Activity:** A separate chapter has been added regarding the specifics of supervising financial inclusion banks, including requirements for their reporting and strategic planning.
2. **Regulation on Bank Licensing:** The concept of a “limited banking license” has been introduced, and a clear algorithm for obtaining or reissuing it has been defined.
3. **Regulations on Risk Management and Internal Control:** Financial inclusion banks are required to adapt their control and risk management systems to the specific limitations established by law for this status.
Compared to previous versions, the main change lies in the establishment of a special legal regime for banks focused on financial inclusion, which provides for simplified or specific requirements for their activities compared to universal banks.
**Key Provisions for Practice:**
* **Status and License:** A bank acquires the status of a financial inclusion bank from the moment it receives a limited banking license. This imposes an obligation on it to comply with special limitations and prohibitions defined by law.
* **Strategic Planning:** Such banks must have a three-year strategy and business plan aimed at ensuring non-discriminatory access to services, especially in recovery territories or areas with limited access to finance.
* **Internal Policies:** The bank is obliged to develop and submit to the NBU a financial inclusion policy that includes performance assessment criteria, the organizational structure of processes, and control procedures for operations carried out even outside of branches (e.g., through commercial agents).
* **Supervision:** The NBU has the right to request information regarding compliance with credit operation limits, and the bank is obliged to notify the regulator promptly (within 3 working days) of any legal proceedings that may negatively affect its assets or reputation.
