Performance of Ukraine's Banking System in 2025
Ukraine's banking sector demonstrated robust performance in 2025, achieving a consolidated net profit of 126.75 billion hryvnias. This substantial figure highlights the resilience and growth of the country's financial sector. State-owned banks played a pivotal role, accounting for 49.36% of the total profit, underscoring their significant position within the system.
Net lending by Ukrainian banks expanded to 0.94 trillion hryvnias over the year, indicating a revival in credit activity and rising demand for financial services. By the start of 2026, total client funds held within the banking system had grown to nearly 3.3 trillion hryvnias. Specifically, deposits from individuals reached 1.41 trillion hryvnias as of January 1, 2026.
Top-Rated Banks for Deposit Security
A ranking of the most reliable institutions for depositors in 2025 identified ten banks that earned the highest degree of public trust. The list includes:
- JSC CREDIT AGRICOLE BANK
- JSC CB PRIVATBANK
- JSC PRAVEX BANK
- JSC RAIFFEISEN BANK
- JSC CREDOBANK
- JSC BANK CREDIT DNIPRO
- JSC COMINBANK
- JSC AB RADABANK
- JSC UKRGASBANK
- JSC OSHCHADBANK
Among the deposit products offered, experts singled out several top performers. The 'Nadiynyy' (Reliable) deposit from JSC Bank Credit Dnipro, offering yields up to 17.5% per annum, was named the classic deposit product of the year. Meanwhile, the best on-demand deposit product was recognized as the RADAbox program from Radabank, which provided an 8% rate on hryvnia accounts.
These results point to stable development, growing profitability, and active deposit programs within Ukraine's banking system, all contributing positively to the nation's financial stability. This performance is particularly notable given the broader economic challenges the country has faced. The increase in both net lending and deposits signals renewed economic activity and a growing willingness among citizens to entrust their funds to banks, a crucial indicator for the sector's future development.