{"id":25277,"date":"2026-07-21T19:21:49","date_gmt":"2026-07-21T16:21:49","guid":{"rendered":"https:\/\/ukrmedia.news\/?p=25277"},"modified":"2026-07-21T19:21:49","modified_gmt":"2026-07-21T16:21:49","slug":"nbu-perevirky-ryzykovoho-biznesu","status":"publish","type":"post","link":"https:\/\/ukrmedia.news\/en\/economics\/nbu-perevirky-ryzykovoho-biznesu\/","title":{"rendered":"The NBU has tightened its guidelines for banks on the scrutiny of high-risk business activities"},"content":{"rendered":"<p class=\"news-lead\">On 14 July, the National Bank issued recommendations to banks and banking associations regarding the financial monitoring of companies. The regulator advises that transactions which may indicate fraudulent schemes be analysed more thoroughly, particularly within import chains. The letter itself does not introduce automatic account freezes or mass checks on all Ukrainians.<\/p>\n<div class=\"news-summary-box\">\n<p><strong>Briefly about the main points<\/strong><\/p>\n<ul>\n<li>The NBU sent recommendations on financial monitoring to the banks on 14 July.<\/li>\n<li>The focus is on import chains and companies showing signs of being shell companies.<\/li>\n<li>A single risk indicator does not, in itself, constitute grounds for sanctions.<\/li>\n<li>Banks may request documents relating to goods, assets and payments.<\/li>\n<li>The suspension of suspicious transactions is governed by law, not by the NBU\u2019s new circular.<\/li>\n<\/ul>\n<\/div>\n<h2>What the National Bank advises<\/h2>\n<p>Letter No. 25-0010\/65703 is based on schemes identified by the supervisory authority that show signs of being fictitious, which <a href=\"https:\/\/ukrmedia.news\/suspilstvo\/nbu-zmini-pravila-popovnennya-kartok\/\">NBU<\/a> refers to as \u00abround-trips\u00bb and \u00abcounter-flow transactions\u00bb. According to the regulator\u2019s assessment, such schemes may be used to artificially generate VAT tax credits, conceal the movement of goods or disguise the origin of funds.<\/p>\n<p>Banks are advised to assess the actual nature of their customers\u2019 business activities, particularly those of importers. Issues to be examined include the method of selling goods, the end buyer, the existence of an online shop or trading platform, warehouses and other resources necessary for the declared business activities.<\/p>\n<p>The NBU has stated that it will take into account the banks\u2019 response to these recommendations as part of its supervisory activities.<\/p>\n<h2>What circumstances might attract a bank\u2019s attention?<\/h2>\n<p>The document sets out a non-exhaustive list of indicators which the bank must assess as a whole. These include, in particular, a small number of employees, a low authorised capital, a sole founder and director, discrepancies in the information regarding the beneficial owner, and frequent changes of ownership or address without any economic justification.<\/p>\n<p>Such indicators also include the absence of assets or warehouses, significant turnover against minimal declared income, the transit of funds, a lack of documentation regarding the movement of goods, atypical payments and transactions with newly established counterparties. The young or advanced age of the director is listed merely as one of several possible indicators, rather than as a standalone reason to regard the company as a shell company.<\/p>\n<h2>For a reputable business, this could mean more enquiries<\/h2>\n<p>One practical consequence of the recommendations could be that banks make additional enquiries of customers whose transactions are of an unusual nature or are not sufficiently supported by documentation. This relates, in particular, to contracts, logistics, existing assets, sources of funding and the economic substance of payments.<\/p>\n<p>This is a continuation of the approach outlined by the NBU in January 2026. At that time, the regulator advised banks not to limit themselves to a formal check of high-risk companies and sole traders, but to establish, where necessary, <a href=\"https:\/\/ukrmedia.news\/suspilstvo\/ukraine-gambling-limits-financial-time\/\">limits<\/a> or other restrictions on specific services. If subsequent monitoring does not identify any risks, such restrictions may be lifted.<\/p>\n<h2>The recommendations do not alter the procedure for suspending operations<\/h2>\n<p>The July circular does not establish a new mechanism for freezing accounts. The suspension of a specific suspicious financial transaction, as well as the refusal to enter into or the termination of business relations, are governed by Law No. 361-IX.<\/p>\n<p>Under the law, a bank may initially suspend a suspicious transaction for two working days. The State Financial Monitoring Service has the right to extend this period to seven working days. Consequently, the new guidelines primarily tighten the requirements for analysing high-risk corporate and import transactions, rather than introducing a blanket screening of all customers.<\/p>","protected":false},"excerpt":{"rendered":"<p>The NBU has issued recommendations to banks on scrutinising high-risk companies and import transactions that may show signs of being fictitious.<\/p>","protected":false},"author":207433346,"featured_media":25278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_description":"\u041d\u0411\u0423 \u043d\u0430\u0434\u0430\u0432 \u0431\u0430\u043d\u043a\u0430\u043c \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0456\u0457 \u0437 \u043f\u0435\u0440\u0435\u0432\u0456\u0440\u043a\u0438 \u0440\u0438\u0437\u0438\u043a\u043e\u0432\u0438\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0439 \u0442\u0430 \u0456\u043c\u043f\u043e\u0440\u0442\u043d\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u0439 \u0456\u0437 \u043c\u043e\u0436\u043b\u0438\u0432\u0438\u043c\u0438 \u043e\u0437\u043d\u0430\u043a\u0430\u043c\u0438 \u0444\u0456\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0456.","rank_math_title":"\u041f\u0435\u0440\u0435\u0432\u0456\u0440\u043a\u0438 \u0431\u0456\u0437\u043d\u0435\u0441\u0443 \u0431\u0430\u043d\u043a\u0430\u043c\u0438: \u044f\u043a\u0456 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0456\u0457 \u0434\u0430\u0432 \u041d\u0411\u0423","rank_math_focus_keyword":"\u041f\u0435\u0440\u0435\u0432\u0456\u0440\u043a\u0438 \u0431\u0456\u0437\u043d\u0435\u0441\u0443","td_subtitle":"","subtitle":"","footnotes":""},"categories":[805618],"tags":[806814],"class_list":["post-25277","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economics","tag-finansy"],"_links":{"self":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts\/25277","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/users\/207433346"}],"replies":[{"embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/comments?post=25277"}],"version-history":[{"count":1,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts\/25277\/revisions"}],"predecessor-version":[{"id":25279,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts\/25277\/revisions\/25279"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/media\/25278"}],"wp:attachment":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/media?parent=25277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/categories?post=25277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/tags?post=25277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}