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Law Journal of the National Academy of Internal Affairs

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  • Volume 16, No. 2, 2026

  • Legal regulation of the banking system in Ukraine in the context of European integration: A comparative legal analysis with EU legislation

  • Received 06.01.2026,
  • Revised 06.04.2026,
  • Accepted 26.05.2026
  • Published 08.07.2026
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Volume 16, No. 2, 2026
  • legal risk management; regulation of financial monitoring; harmonisation of legislation; legal partnership between the state and business; legal liability; legal regulation of market relations
  • https://doi.org/10.63341/naia-chasopis/2.2026.42
  • Pages 42-61

The study aimed to compare the legal regulation of Ukraine’s banking system with European legal standards to identify areas for its further improvement. Methods of doctrinal-legal, comparative-legal and systemic-structural analysis were employed. The results of the study showed that the harmonisation of Ukraine’s banking legislation with EU law is uneven. The most pronounced substantive similarity between the models is evident in the prudential block and related areas of risk management, supervisory reporting and financial monitoring, whilst the most notable differences concern anti-crisis regulation, the organisation of supervision and the integration of digital operational resilience and cyber risks into banking supervision. In both models, legal regulation was aimed at ensuring the stability of the banking system, risk control, depositor protection and the consideration of related non-financial risks, particularly in the areas of financial monitoring, data protection and cybersecurity. It has been established that the Ukrainian model of approximation to EU law is predominantly functional in nature, as it replicates the substance and methods of European banking regulation but cannot fully replicate the supranational institutional architecture of the European Banking Union. In this regard, the further alignment of Ukraine’s banking legislation with EU law involves not only updating specific provisions, but also strengthening systemic coherence between the prudential, supervisory, crisis management and digital regulatory frameworks. Therefore, the further adaptation of Ukrainian legislation to EU law requires the standardisation of supervisory reporting, the development of mechanisms for resolving banking crises, and the integration of digital operational resilience. The practical significance of the results is determined by their potential use by the National Bank of Ukraine, government bodies and academic and educational institutions to improve banking legislation, adapt it to European law and incorporate it into the educational process

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