Proceedings of the International scientific and practical conference ― Modern Research And Education‖ (February 16-18, 2026) / Publisher website: www.naukainfo.com. – Warsaw, Poland, 2026. - 247 p.

43 The Ukrainian experience offers valuable insights for enhancing financial resilience in conflict-affected economies. Keywords: international financial assistance, banking system resilience, Ukraine war economy, IMF Extended Fund Facility, EU macro-financial support, macroeconomic stability. The Russian invasion of Ukraine, ongoing since February 2022, has inflicted severe damage on the country's economy and financial infrastructure. The banking system, a cornerstone of economic stability, faced immediate threats: operational disruptions in occupied territories, heightened credit risks from borrower insolvencies, cyber attacks, and liquidity strains amid capital outflows. By mid-2022, non-performing loans (NPLs) surged, reserves dipped, and inflation spiked, threatening systemic collapse. Yet, as of February 2026, the sector exhibits remarkable resilience: NBU international reserves reached $57.66 billion as of 1 February 2026 (record high, +$357.8 million in January) [7] , while Non-Performing Loan ratios have stabilized at around 29-30% under EU definitions [5] , with profitability remaining robust (pre-tax profits of UAH 100 billion in H1 2025) [8] . This resilience is largely attributable to massive international financial assistance, which has acted as a macroeconomic stabilizer, preventing fiscal collapse and enabling the NBU to maintain monetary policy anchors. Total mobilized aid since 2022 exceeds $88 billion [10] , with significant inflows in 2025 supporting reserves growth. This support has indirectly bolstered banks by funding budget deficits without monetary emission, stabilizing the hryvnia, and facilitating SME lending programs. International aid to Ukraine has scaled dramatically, evolving from emergency relief to structured long-term support. In 2025, inflows reached record levels, boosting reserves to $57.66 billion by early 2026 [7] . Key donors include: European Union : The €90 billion Ukraine Support Loan for 2026–2027 (agreed in February 2026, €30 billion macro-support + €60 billion defence) [1] .