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Ukrainians keep 1.613 trillion hryvnia in banks

Ukrainians keep 1.613 trillion hryvnia in banks

Danylo Getmantsev Member of the Ukrainian Parliament, Chair of the Verkhovna Rada Finance Committee

27 February 2026, 16:20

Ukrainians keep 1.613 trillion hryvnia in banks — Illustration of how much money is held in banks

As of 1 February 2026, Ukrainians held 1.613 trillion hryvnia in banks, which is 4.8 billion hryvnia or 0.3% less than at the beginning of January (1.618 trillion hryvnia), according to the Deposit Guarantee Fund for Individuals.

At the same time, Ukrainians' savings grew by UAH 234.6 billion, or +17%, on an annualised basis. To put this into perspective, as of February 2025, Ukrainians had UAH 1.378 trillion in their accounts, and this figure has now grown to UAH 1.613 trillion.

At the beginning of February, there was UAH 1.058 trillion in the national currency (a year ago – UAH 883.6 billion) and UAH 555.1 billion in foreign currency (UAH 494.7 billion). In other words, in terms of the structure of deposits, Ukrainians keep 65.6% in hryvnia and 34.4% in dollars, euros or other foreign currencies.

Regarding deposit sizes, as of early February, 57.98% of bank customers held between 10,000 and 200,000 hryvnia in their accounts (a year ago – 57.44%).

In terms of deposit terms, 70.43% of deposits are held on demand (a year ago – 69.63%).

Structure of term deposits:

up to 3 months – 17.61% (a year ago – 17.05%)
from 3 to 6 months – 7.41% (7.58%)
from 6 months to 1 year – 3.85% (4.73%)
more than 1 year – 0.7% (1.01%).

Ukrainians most often keep their savings in state-owned banks – 60.5% (62.3%), private banks – 21.95% (20.3%), and foreign banks – 17.55% (17.4%).

At the beginning of 2026, the deposit portfolio showed a slight decrease – by UAH 4.8 billion (to UAH 1.613 trillion as of 1 February compared to 1 January). This is a typical seasonal phenomenon, as at the beginning of 2025, the portfolio also decreased by UAH 13.9 billion. However, over the past year, the trend has resumed, and as of 1 January 2026, the volume of deposits increased to UAH 1.618 trillion.

Overall, the situation in the financial sector remains stable: citizens continue to keep their savings in banks and use credit products. For further development, it is important that financial institutions scale their services for both the population and businesses. Expanding services that are in high demand among all customer groups will stimulate the economy, which is critically important during wartime and post-war reconstruction.

Original source: Author's Facebook page

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