As of April 1, 2025, the volume of deposits from individuals and entrepreneurs in Ukrainian banks reached over ₴1.392 trillion, which is ₴1.7 billion more compared to the beginning of March. This indicates stable growth in the banking sector and increased public trust in financial institutions.
This is reported by Business • Media
Distribution of Deposits and Their Placement Structure
According to the Deposit Guarantee Fund, the share of deposits in hryvnia amounts to ₴892.8 billion, which is ₴4.8 billion less compared to the previous month, while deposits in foreign currency total ₴500 billion, which is ₴6.5 billion more. Individual entrepreneurs (IEs) account for 3.2% of the total number of bank clients, and their share in the deposit structure is 11.2%, with a total amount of ₴156.6 billion.
“The majority of Ukrainians – 57.4% – have deposits of up to ₴200,000. At the same time, these deposits make up only 28.38% of the total amount of deposits,” reports the Deposit Guarantee Fund.
Almost half of all deposit funds are concentrated in deposits over ₴600,000, which are held by only 0.54% of Ukrainians. This indicates a predominance of high-value deposits among wealthy clients and the population’s desire to preserve and grow their savings.
Changes in Hryvnia Deposit Rates
In April, Ukrainian banks raised rates on hryvnia deposits, increasing them on average by 1-1.5 percentage points. The most favorable deposits remain those with terms from 6 to 9 months, which offer an average of 13.5-14.5% per annum. This allows depositors to earn higher returns on their savings while maintaining their security.
Overall, the growth of deposit rates and the stable increase in deposit volumes indicate a positive trend in Ukraine’s financial system and a growing trust of the population in banking services.