Despite the challenges of the full-scale war, the financial behaviour of Ukrainians demonstrates remarkable resilience and maturity.

We have become less prone to panic and have instead started to think strategically. Instead of keeping cash "under the mattress", an increasing number of citizens are choosing instruments that work for the country's economy and protect their own savings.

First Deputy Chairman of the Management Board of Pivdenny Bank, Maksym Tsymbal, in an interview for the publication "Kommersant Ukrainskyi", identified three key trends that define the financial profile of the modern Ukrainian. Among them is an unexpectedly rapid increase in confidence in the national currency (the share of household hryvnia funds has jumped from 51% to 66%) and a real boom in investments in Domestic Government Bonds, the volumes of which have increased almost 15-fold.

Why have Ukrainians begun to diversify their savings more actively, what is the current demand for the euro, and how have approaches to savings changed in the mass and premium segments?

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