Fabruary 3, 2026
PRESS RELEASE
As of January 1, 2026, the total value of retail deposits (including sole traders) in Ukrainian banks reached UAH 1 617.7 billion, which is UAH 225.5 billion higher compared to the similar indicator of the previous year.
"The growth of retail deposits is a key indicator of the public and business confidence in the banking system. Even during the full-scale war, not only has the deposit base being maintained, it also has growing. The deposit guarantee system plays an important role in this, providing depositors with confidence that their funds are being protected," said Managing Director of the DGF Olga Bilai.
Of the total amount of deposits as of January 1, 2026:
- deposits in national currency – UAH 1073.3 billion (+ UAH 173.8 billion for 2025);
- deposits in foreign currency – UAH 544.4 billion (+ UAH 51.7 billion for 2025).
The share of sole traders in the structure of depositors as of January 1, 2026, accounted for 3.2 % of deposits and 12.5% of the deposit value. The total amount of their deposits amounted to UAH 201.8 billion, which is UAH 32.9 billion higher compared to the previous year. It should be noted, that deposits of sole traders are covered by the DGF.
As Olga Bilai noted, the increase of funds of sole traders in the deposit structure confirms that the deposit guarantee system works not only for the individual depositors but also for small businesses. For sole traders this means predictability, protection of funds and the ability to plan their activity without having to withdraw resources from the banking system.
As of January 1, 2026, the distribution of retail deposits in the banking system by value is as follows:
| Deposit size, UAH | Depositors, % | Deposit value, % |
| Up to UAH 10 | 38.29 | 0.00 |
| From UAH 10 to 200 000 | 58.67 | 27.16 |
| From UAH 200 000 to 600 000 | 1.39 | 20.95 |
| From UAH 600 000 to 1 000 000 | 0.31 | 10.42 |
| Over UAH 1 000 000 to 2 000 000 | 0.21 | 12.66 |
| Over UAH 2 000 000 to 4 000 000 | 0.09 | 10.43 |
| Over UAH 4 000 000 to 5 000 000 | 0.01 | 2.71 |
| Over UAH 5 000 000 | 0.03 | 15.67 |
| Total | 100 | 100 |
Structure of deposits of individuals (including sole traders) by maturity:
Date | Share of demand deposits, % | Share of term deposits, % | including those with a maturity date , % | |||
| Up to 3 months | From 3 to 6 months | From 6 months to 1 year | More than 1 year | |||
01.01.2026 | 70.92 | 29.08 | 17.34 | 7.28 | 3.75 | 0.71 |
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 January, 2026, there are 61 banks in the DGF register.