July 24, 2025
PRESS RELEASE
As of July 1, 2025, the total value of retail deposits (including sole traders) in Ukrainian banks reached UAH 1.478 trillion, an increase of UAH 37.8 billion on the previous month.
During the first half of 2025, the total increase in household deposits amounted to UAH 86.4 billion. A real deposit growth, excluding revaluation of the foreign currency deposits, amounted to UAH 91.1 billion (excluding negative currency revaluation).
Of the total amount of deposits as of July 1, 2025:
• deposits in national currency – UAH 959.9 billion (an increase of UAH 26.9 billion since June, 2025);
• deposits in foreign currency – UAH 518.7 billion (an increase of UAH 10,9 billion since June, 2025).
Sole traders accounted for 3.2% of deposits and 11.3% of the deposit value as of July 1, 2025. The total amount of their deposits amounted to UAH 167.6 billion. It should be noted, that deposits of sole traders are covered by the DGF.
As of July 1, 2025, the distribution of retail deposits in the banking system by size is as follows:
| Deposit size, UAH | Depositors, % | Deposit value, % |
| Up to UAH 10 | 41.13 | 0 |
| From UAH 10 to 200 000 | 56.95 | 27.91 |
| From UAH 200 000 to 400 000 | 0.97 | 12.96 |
| From UAH 400 000 to 600 000 | 0.37 | 8.63 |
| Over UAH 600 000 | 0.58 | 50.5 |
| Total | 100 | 100 |
Structure of deposits of individuals (including sole traders) by maturity:
| Date | Share of demand deposits, % | Share of term deposits, % | including deposits with return term, % | |||
| 01.07.2025 | 70.2 | 29.8 | 17.24 | 7.28 | 4.5 | 0.78 |
Recall that starting from April 13, 2022, the date when the Law of Ukraine “On Amendments to Certain Laws of Ukraine on Ensuring the Stability of the Household Deposit Guarantee System” entered into force, 100% guarantees apply to the deposits of individuals (including sole traders), during the martial law in Ukraine and for three months after its cancellation or termination. After the expiration of three months from the date of cancellation or termination of the martial law, the maximum amount of guaranteed compensation for depositors in Ukrainian banks shall not be less than UAH 600 thousand.
All banks of Ukraine are members of the DGF. As of April 1, 2025, there are 60 banks in the DGF register.