In half a year, Ukrainian banks reduced the network of branches: who closed the most

The banking network continues to be optimized

According to the data of the National Bank of Ukraine, as of July 1, 2026, they were working in the country 4,754 bank branches, while at the beginning of the year there were 4,815. Thus, in the first half of the year, the network decreased by 61 units.

Despite the reduction in the number of physical offices, this process is part of the gradual transformation of the banking sector. Financial institutions are increasingly actively developing digital services, while leaving physical branches primarily in the most popular locations.

Which banks reduced the network the most

The largest state and commercial banks optimized their branches most actively. He became the leader in the number of closed units "Oschadbank", which stopped working 16 departments.

There was also a reduction in:

• Raiffeisen Bank — 10 departments;

• "PrivatBank" — 8;

• "Ukreximbank" — 5;

• TASkombank — 5.

Such decisions of the banks are explained by the improvement of work efficiency, the development of remote banking and the change in the behavior of customers who increasingly use mobile applications instead of visiting branches.

Who, on the contrary, expands the presence

Despite the general tendency to reduce the network, individual banks continue to open new service points.

The largest number of new branches in the first half of the year were opened by:

• "Accordbank" — 6;

• MTB Bank — 3;

• "ASVIO Bank" — 2.

This shows that individual financial institutions see the potential to develop an offline presence in certain regions or expand the network according to their own strategy.

The leaders in terms of network scale remain unchanged

Despite the reduction of individual divisions, the largest banks of Ukraine continue to hold leadership positions in terms of the number of branches.

As of the beginning of July, the largest network has:

• "Oschadbank" — 1,115 branches;

• "PrivatBank" — 1,050;

• Raiffeisen Bank — 282;

• PUMB — 220.

It is these banks that provide the largest coverage of banking services throughout the territory of Ukraine.

The banking sector is betting on digitization

A reduction in the number of branches does not mean a decrease in the availability of banking services. On the contrary, Ukrainians already carry out most operations through mobile applications, internet banking and remote service channels.

Banks continue to invest in digital services, process automation and online products, leaving physical offices mainly for consulting, processing complex financial services and working with corporate clients. That is why the trend towards network optimization is likely to continue.