As of January 1, 2025, the total amount of deposits of individuals, including individual entrepreneurs, in Ukrainian banks amounted to UAH 1,392.2 billion. During 2024, the volume of citizens’ savings increased by UAH 157.4 billion, of which UAH 110.6 billion was real growth (without taking into account the revaluation of currency deposits in the hryvnia equivalent). About this reported press service of the Deposit Guarantee Fund of Individuals.
The total volume of individual deposits as of the beginning of 2025 included:
- UAH 899.5 billion in national currency, which is UAH 103.1 billion more than in 2024;
- UAH 492.7 billion in foreign currency, which is UAH 54.3 billion more than last year.
The share of FOP in the total structure of depositors was 3.2%, while their deposits made up 12.1% of the total amount. The total amount of FOP deposits as of January 1, 2025 reached UAH 168.9 billion, which is UAH 19.0 billion higher than the previous year. It is worth noting that the deposits of natural persons-entrepreneurs are subject to guarantee by the Deposit Guarantee Fund of natural persons.
The distribution of deposits of individuals in the banking system of Ukraine is as follows:
- 57.9% of depositors keep amounts up to UAH 200,000, which make up 29.28% of the total volume of deposits;
- 0.95% of depositors have from 200,000 to 400,000 UAH in their accounts, which is 13.19% of all deposits;
- 0.36% of depositors keep amounts in the range of UAH 400,000 – 600,000, which is equal to 8.58% of the total amount;
- 0.53% of depositors have more than UAH 600,000, controlling 48.95% of all savings in banks.
The distribution of deposits of individuals by terms shows:
- 70.05% of all deposits are demand deposits;
- 29.95% – term deposits, including:
o 16.9% – deposits for up to 3 months;
o 7.33% – from 3 to 6 months;
o 4.67% – from 6 months to a year;
o 1.05% – deposits for a term of more than a year.
As of January 1, 2025, all 62 banks operating in Ukraine are members of the Individual Deposit Guarantee Fund. This provides an additional level of protection for citizens who entrust their savings to the banking system of Ukraine.
