Formal Borrowing Statistics in Ukraine (2026)
28.6% of adults in Ukraine borrowed from a formal financial institution in 2024, World Bank Global Findex data show. Down from 34.1% in 2021 to 28.6% in 2024 (−5.5 percentage points). Ukraine ranks #26 of 46 economies in Europe & Central Asia on this measure, and #43 of 142 globally.
Key Statistics
- Latest value (2024)
- 28.6% (2024)
- Formal Borrowing in Ukraine as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- −5.5 pp (2024)
- Down from 34.1% in 2021 to 28.6% in 2024 (−5.5 percentage points).
- Earliest value in this dataset (2014)
- 21.7% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 21.7% in 2014 to 28.6% in 2024.
- Peak value (2021)
- 34.1% (2021)
- Highest value in the available series; the 2024 value is 28.6%.
- Rank in Europe & Central Asia
- #26 of 46 (2024)
- Ukraine ranks 26 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #43 of 142 (2024)
- Ukraine ranks 43 of 142 countries with data globally.
- Europe & Central Asia average
- 33.3% (2024)
- Ukraine (28.6%) is below the average of 33.3% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 26% (2024)
- Value for women in Ukraine, same 2024 World Bank Global Findex data.
- Among men (2024)
- 31.4% (2024)
- Value for men in Ukraine, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −5.3 pp (2024)
- In 2024, the figure was 26% for women and 31.4% for men — 5.3 percentage points lower among women.
- Among the poorest 40% (2024)
- 21.9% (2024)
- Value for adults in the poorest 40% of households in Ukraine in 2024.
- Poorest-40% gap vs national
- −6.7 pp (2024)
- The poorest 40% (21.9%) are 6.7 percentage points below the national figure (28.6%).
- Internet use in Ukraine (2024)
- 82.5% (2024)
- 82.5% of the population in Ukraine used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 37.9 million (2024)
- Ukraine had a population of 37.9 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 28.6% | −5.5 pp |
| 2021 | 34.1% | +12.4 pp |
| 2017 | 21.8% | +0.0 pp |
| 2014 | 21.7% | — |
Frequently asked questions
What share of adults in Ukraine borrowed from a formal financial institution?
28.6% of adults in Ukraine borrowed from a formal financial institution in 2024, according to World Bank Global Findex data.
How does Ukraine compare with other countries in Europe & Central Asia?
Ukraine ranks 26 of 46 countries in Europe & Central Asia with data, with 28.6% versus a regional average of 33.3% (latest values per country).
Where does Ukraine rank globally on formal borrowing?
Ukraine ranks 43 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.
Source & methodology
Source: World Bank Global Findex, indicator
fin22a, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .