Ukrainian Bank Deposits Hit Record High of 1.6 Trillion Hryvnias: Key Figures

Ukrainian Bank Deposits Hit Record High of 1.6 Trillion Hryvnias: Key Figures

According to ХВИЛЯ: As of January 1, 2026, the total savings of individuals and sole proprietors in Ukrainian banks reached 1,617.7 billion hryvnias (UAH). According to the Deposit Guarantee Fund, the volume of deposits increased by 225.5 billion UAH compared to 2025. The majority of these deposits are held in the national currency, the hryvnia, which accounted for 1,073.3 billion UAH at the start of 2026, with hryvnia deposits growing by 173.8 billion UAH over the year. Foreign currency deposits on the same date totaled 544.4 billion UAH.

Deposits from sole proprietors represent 12.5% of the total funds in banks, which is equivalent to 201.8 billion UAH. Over the year, sole proprietors added more than 32.9 billion UAH to their accounts. The largest group of depositors, comprising 58.7%, hold amounts between 10,000 and 200,000 UAH in their accounts, which accounts for over 27% of the total deposit sum.

• Clients with deposits exceeding 5 million UAH make up only 0.03% of the total number of depositors, but their funds constitute 15.67% of the entire deposit portfolio.
• Deposits ranging from 1 to 2 million UAH account for 12.66% of the total sum.
• Clients with sums between 200,000 and 600,000 UAH accumulated nearly 21% of all funds.

The deposit structure shows that demand deposits account for 70.92%, while the share of term deposits exceeds 29%. The most popular short-term deposits of up to 3 months make up 17.3% of the overall structure. For the duration of martial law and for three months after its termination, the state guarantees 100% of all deposits, after which the maximum compensation amount will be 600,000 UAH.

The growth in the volume of individual deposits is a key indicator of the trust citizens and businesses have in the banking system. Even under the conditions of a full-scale war, the deposit base is not only preserved but is growing.

Olga Bilai

The increase in deposits in Ukraine points to the resilience of the financial system despite the challenges posed by the ongoing war. This data offers a glimpse into the financial behavior of Ukrainians during a period of national crisis. Public confidence in banking institutions amid economic instability is a crucial factor for the country's further development. The authorities, in turn, continue to support the deposit guarantee system, which contributes to maintaining financial stability.