Ukraine's Sense Bank prepares expanded investment program beyond domestic loan govt bonds

State-owned Sense Bank, one of the leaders in the domestic loan government bond market for retail investors, is developing and preparing a presentation and proposal for clients outlining additional investment options beyond government bonds, real estate, and foreign currency, said Board Member and Director of the IT and Retail Business Blocks Inna Tiutiun.

"We are preparing an expanded investment program. In the near future, we plan to launch investments not only in government bonds, but also in other instruments," she said in an interview with Interfax-Ukraine.

According to her, Government bonds are currently the bank’s main competitor in attracting client funds, which is why, under these conditions, the financial institution has made this instrument part of its offering.

"The figures speak for themselves: over the 11 months of last year, 29,950 clients entered into 242,710 agreements to purchase government bonds for a total amount of UAH 19.95 billion. This is against a liabilities portfolio of UAH 47 billion!" Tiutiun said.

She added that the total volume of Sense Bank’s retail government bonds portfolio exceeds UAH 13.14 billion, or 12.4% of the market.

"This indicates a huge desire among clients to invest somewhere. Clients are looking for opportunities to earn more than with a standard deposit. That is why we see demand from clients for the development of investment instruments," she explained.

The board member уточнила that in its new investment offering, the bank will continue to adhere to a "one-stop shop" strategy: all services will be integrated into the Sense SuperApp so that clients can meet all their needs within a single digital environment.

"Our goal is to be not just a payments bank for the client, but a full-fledged financial partner and investment hub," Tiutiun concluded.

According to the National Bank of Ukraine, as of January 1, 2026, Sense Bank ranked ninth out of 59 Ukrainian banks by total assets, which amounted to UAH 155.26 billion. Its proprietary government bonds portfolio totaled UAH 30.45 billion, the sixth-largest figure on the market.

Prior to Russia’s full-scale aggression, at the end of 2021, Sense Bank (then Alfa-Bank) was the first in the country to launch a mobile application for purchasing foreign securities with their subsequent registration in Ukraine via the National Depository of Ukraine. At the same time, monobank, which introduced a similar offering, limited its operations to transactions through an international broker only.