Deposits Reach Record Highs
As of August 1, 2025, total deposits of individuals — including individual entrepreneurs (FOPs) — in Ukrainian banks reached UAH 1,482.6 billion, according to the Deposit Guarantee Fund of Individuals (DGF).
This is UAH 3.9 billion more than in July, showing continuous growth despite economic challenges and ongoing security risks.
Breakdown by Currency
Of the total deposits:
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UAH 959.7 billion are held in national currency (a slight decrease of UAH 0.2 billion in July).
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UAH 522.9 billion are held in foreign currency (an increase of UAH 4.2 billion in July).
This dynamic shows stable demand for hryvnia deposits and renewed trust in foreign-currency savings, partly reflecting exchange rate expectations.
Entrepreneurs’ Growing Share
Individual entrepreneurs account for a 3.2% share of depositors but control 11.3% of the total deposit volume, equal to UAH 167.7 billion.
Importantly, FOP deposits are fully covered by the Deposit Guarantee Fund, which strengthens confidence in keeping business capital in Ukrainian banks.
How Ukrainians Save: Distribution by Account Size
The structure of deposits by size highlights how most Ukrainians keep their savings within the guarantee limits:
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56.99% hold deposits between UAH 10,000–200,000.
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0.97% hold UAH 200,000–400,000.
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0.37% hold UAH 400,000–600,000.
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0.58% hold over UAH 600,000.
This shows a strong middle segment of savers, while a small but notable share keeps high-value deposits.
Deposit Growth Over Time
The banking system has seen rapid accumulation of deposits in 2025. For comparison:
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On April 1, 2025, total deposits stood at UAH 1,392.8 billion.
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By August 1, 2025, deposits had grown to UAH 1,482.6 billion — almost UAH 90 billion in four months.
This consistent growth illustrates resilience in Ukraine’s financial system and an expanding base of private savings.
Why It Matters for Investors and Banks
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Financial stability: High levels of deposits increase banking liquidity and lending potential.
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Investment opportunities: Banks can leverage growing savings into credit for businesses and infrastructure.
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Trust in the system: Rising deposits signal confidence in the Deposit Guarantee Fund and monetary policy.
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Capital for growth: With nearly UAH 1.5 trillion in accounts, Ukraine’s banks are positioned to fuel reconstruction and private-sector investment.
✅ Conclusion: The steady increase in household and business deposits to nearly UAH 1.5 trillion confirms that Ukrainians continue to trust the domestic banking system. For banks, investors, and international partners, this trend offers clear evidence of liquidity, confidence, and untapped capital in Ukraine’s financial market.
