Ukrainians keep record amounts in banks: how the war has changed financial habits
26 May 21:16
INFOGRAPHICS
Ukrainians keep record amounts in banks: more than UAH 1.4 trillion in deposits. This was reported by the press service of the Deposit Guarantee Fund, "Komersant Ukrainian" reports.
According to the agency’s statistics, over the past three years, from May 2022 to May 2025, the volume of deposits of individuals and individual entrepreneurs in Ukrainian banks increased by UAH 587.4 billion. Of this amount, UAH 466.9 billion is real growth, excluding the revaluation of foreign currency deposits.
The bulk of deposits – UAH 918.3 billion – are placed in the national currency, and UAH 510 billion are in foreign currency. In April 2025, hryvnia deposits increased by UAH 25.5 billion, and foreign currency deposits by UAH 10 billion.
The majority of depositors (57.2%) have deposits in the range of UAH 10 thousand to UAH 200 thousand, which is 28.15% of the total. At the same time, more than half of all funds (50.15%) are held by only 0.56% of depositors with amounts over UAH 600 thousand.
Individual entrepreneurs account for 3.2% of depositors, but their deposits account for 11% of the total amount – almost UAH 157 billion. Starting from April 2022, for the duration of martial law in Ukraine, there is a 100% deposit return guarantee for all citizens, regardless of the amount. After the end of martial law and three months after its lifting, the maximum amount of guaranteed compensation will be UAH 600 thousand.
The majority of deposits (69.78%) are demand deposits, which allows depositors to respond quickly to changes in the economy and maintain liquidity. Time deposits account for only 30%, of which the most popular are short-term deposits of up to three months.
The share of retail deposits in the Fund’s members according to the National Bank of Ukraine’s classification of banks into groups is as follows
- 61.7% – deposits in state-owned banks;
- 20.6% – banks with private capital;
- 17.7% – banks of foreign banking groups.
This data shows that the public’s confidence in the Ukrainian banking system is growing, even under martial law. The increase in deposits supports the financial stability of the country and provides resources for lending to the economy.
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