Interest rate spread (lending rate minus deposit rate, %) in Ukraine
Ukraine: Interest rate spread (lending rate minus deposit rate, %) was 9.7% in 2025. ◆ Volatile
Interest rate spread in Ukraine, 1992–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
The most recent figure for interest rate spread in Ukraine is 9.7%, measured in 2025.
That represents a change of down 7.0% on the previous year and up 10.6% over ten years.
Over the whole period, interest rate spread in Ukraine peaked at 52.4% in 1995 and was at its lowest, 5.3%, in 2010.
That places Ukraine 21st out of 141 countries with data for 2025, putting it in the top quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Interest rate spread (lending rate minus deposit rate, %) in Ukraine, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1992 | 7.7% | — |
| 1993 | 35.6% | +362.6% |
| 1994 | 41.7% | +17.0% |
| 1995 | 52.4% | +25.8% |
| 1996 | 46.2% | -11.8% |
| 1997 | 30.9% | -33.2% |
| 1998 | 32.2% | +4.3% |
| 1999 | 34.3% | +6.2% |
| 2000 | 27.8% | -18.8% |
| 2001 | 21.3% | -23.5% |
| 2002 | 17.4% | -18.2% |
| 2003 | 10.9% | -37.3% |
| 2004 | 9.6% | -12.0% |
| 2005 | 7.6% | -20.8% |
| 2006 | 7.6% | -0.0% |
| 2007 | 5.8% | -24.0% |
| 2008 | 7.5% | +30.5% |
| 2009 | 7.1% | -5.8% |
| 2010 | 5.3% | -25.2% |
| 2011 | 8.0% | +51.5% |
| 2012 | 5.4% | -32.5% |
| 2013 | 5.9% | +8.1% |
| 2014 | 5.6% | -4.3% |
| 2015 | 8.8% | +56.9% |
| 2016 | 7.8% | -12.0% |
| 2017 | 7.3% | -6.4% |
| 2018 | 7.2% | -0.4% |
| 2019 | 6.9% | -4.1% |
| 2020 | 8.2% | +18.4% |
| 2021 | 8.7% | +5.5% |
| 2022 | 11.2% | +29.3% |
| 2023 | 9.8% | -12.7% |
| 2024 | 10.5% | +7.2% |
| 2025 | 9.7% | -7.0% |
Ukraine compared with similar countries
- Ukraine's 9.7% is above the median for upper middle income countries, which is 5.4%, 1.8× the median. (49 countries reporting)
- Ukraine's 9.7% is above the median for Europe & Central Asia, which is 4.0%, 2.4× the median. (27 countries reporting)
Biggest year-on-year movements
Years where Interest rate spread (lending rate minus deposit rate, %) in Ukraine changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 1993 | +362.6% | 7.7% | 35.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 35.1% | 7.7% | 52.4% | 8 |
| 2000s | 12.3% | 5.8% | 27.8% | 10 |
| 2010s | 6.8% | 5.3% | 8.8% | 10 |
| 2020s | 9.7% | 8.2% | 11.2% | 6 |
Countries ranked near Ukraine
More financial sector data for Ukraine
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0085 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0062 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0085 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Ukraine?
- Interest rate spread in Ukraine was 9.7% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Ukraine?
- The highest recorded value was 52.4% in 1995.
- What is the lowest interest rate spread recorded in Ukraine?
- The lowest recorded value was 5.3% in 2010.
- How does Ukraine rank for interest rate spread?
- Ukraine ranks 21st out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Ukraine?
- Over the last ten years it is up 10.6%. The long-run trend across the full record is volatile.
- Where does this Ukraine data come from?
- The figures come from International Financial Statistics database, International Monetary Fund (IMF), published as part of Interest rate spread (lending rate minus deposit rate, %). Statizoid updates them automatically from the source API.
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About this data
Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.