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.

44 IMF : The new 48-month Extended Fund Facility ($8.1 billion, SDR 5.94 billion), staff-level agreement reached in November 2025 [4] . World Bank/EBRD/Others : Cumulative support since 2022 totals over $88 billion, with ongoing guarantees for banks [10] . Projections estimate substantial aid for 2026–2028 (e.g., $51.4 billion in 2026), bridging gaps and supporting reserves at $65 billion by end-2026 [9] . International assistance supports banking resilience through indirect macroeconomic stabilization and direct sector interventions. By funding budget deficits without NBU emission, aid averts inflation and stabilizes foreign exchange markets, preserving liquidity [5] . Reserves at $57.66 billion enable NBU interventions, maintaining capital adequacy ratios double the minima (Tier 1 ~17%) [7] . Direct mechanisms include guarantees and programs (e.g., The International Monetary Fund benchmarks, European Bank for Reconstruction and Development for small and medium-sized enterprises lending), mitigating NPL risks and enabling credit expansion [5] . CDBP metrics highlight aid's role in tail-risk buffers [3] . Overall, aid acts as a «lifeline», preserving operational continuity amid war [2] . Dependency on disbursements exposes risks from delays [1] . Geopolitical escalation could widen financing gaps [4] . NPLs at 30% mask issues in state banks [5] . Fiscal pressures underscore reform urgency. Conclusion and Recommendations: International financial assistance has been instrumental in bolstering the resilience of Ukraine's banking system during the protracted war, transforming acute vulnerabilities into a foundation for stability. The analysis demonstrates that external support has effectively served as a macroeconomic buffer, enabling the National Bank of Ukraine to maintain key anchors such as reserve levels and currency stability while preventing inflationary pressures from budget deficits. This has indirectly preserved banking operations, liquidity, and capital adequacy, allowing the sector to continue supporting economic activities like lending to small and medium enterprises despite ongoing disruptions. The structured mechanisms, including conditional loans and reform-linked programs, have not only addressed immediate shocks but also