Interest rate spread in Ukraine
Ukraine: Interest rate spread 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 140 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 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% |
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
- Net domestic credit (current LCU), per capita 60,388 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 10.99 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate -5.37 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 30.80 million SDR (2025)
- Gold reserves at market value 2.81 billion SDR (2025)
- Reserves excluding gold, foreign exchange 39.00 billion SDR (2025)
- Reserves excluding gold 39.01 billion SDR (2025)
- Total reserves (gold at market value) 41.82 billion SDR (2025)
- Total reserves (gold at national valuation) 41.84 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 1,073 SDR per person (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 140 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.
Download this data
CSV · JSON — 34 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.