Financial Performance of the Deposit Guarantee Fund in 2025
In 2025, Ukraine's Deposit Guarantee Fund allocated over 3.7 billion UAH to settle creditor claims against insolvent banks. The primary source for these payments was JSC 'MR Bank' (the former 'Sberbank'), from which approximately 1.5 billion UAH was transferred to the state, represented by the National Investment Fund of Ukraine. This demonstrates the effectiveness of managing the assets of banks being wound down and has a positive impact on the national economy. The Fund plays a crucial role in maintaining public confidence in the banking system during a period of economic strain.
Impact on Business and the Economy
Since the start of the full-scale invasion, the Fund has transferred shares of subsidiaries of Russian state-owned banks to Ukraine, valued at over 27 billion UAH. As part of the creditor payments, more than 1.1 billion UAH was directed to companies and enterprises in the 7th priority category, underscoring the importance of returning funds to the business sector. As of January 1, 2026, the total amount of satisfied creditor claims over the Fund's entire history reached 74.7 billion UAH, of which 16.6 billion UAH was returned to the National Bank of Ukraine.
Olga Bilai noted that the effective management of assets from banks being withdrawn from the market is a key tool for returning funds to creditors, including legal entities.
These figures reflect not only financial stability but also the potential for Ukraine's economic recovery amid significant challenges, including war. Returning funds to businesses can be a vital factor in supporting entrepreneurship and creating new jobs, which are critically important for the country's economic growth. The effective management of insolvent bank assets could serve as a model for future reforms in the financial sector.