Ukraine: Real interest rate

* indicates monthly or quarterly data series
 Ukraine

Real interest rate: Bank lending rate minus inflation

 Latest value 4.57
 Year 2025
 Measure percent
 Data availability 1992 - 2025
 Average -4.27
 Min - Max -91.72 - 37.93
 Source The International Monetary Fund
 Available for Data download
The latest value from 2025 is 4.57 percent, a decline from 6.8 percent in 2024. In comparison, the world average is 5.78 percent, based on data from 64 countries. Historically, the average for Ukraine from 1992 to 2025 is -4.27 percent. The minimum value, -91.72 percent, was reached in 1993 while the maximum of 37.93 percent was recorded in 1998. See the global rankings for that indicator or use the country comparator to compare trends over time.
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 Recent values Ukraine: Real interest rate
 2025 4.57
 2024 6.80
 2023 1.87
 2022 -12.09
 2021 -9.22
 2020 3.62
 2019 10.69
 2018 3.13




Definition: An interest rate is the amount charged, expressed as a percentage of the principal over a period of time, by the owners of certain kinds of financial assets for putting the financial assets at the disposal of another institutional unit. The real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability. This indicator is expressed as a percentage (a÷b)*100.

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 Lending-deposit interest rate spread 8.21 2020 interest rate points
 Bank cost to income ratio 56.03 2021 percent
 Non-performing loans 13.92 2025 percent
 Bank overhead cost 2.44 2021 percent
 Net interest margin 3.51 2021 percent
 Bank credit to deposits 64.54 2021 percent
 Regulatory capital to risk-weighted assets 21.98 2020 percent
 Return on assets 1.54 2021 percent
 Return on equity 12.25 2021 percent
 Banking system z-scores 5.18 2021 index points
 Liquid assets to deposits 41.25 2021 percent
 Banking system capital to assets 11.66 2020 percent
 Non-interest income to total income 34.10 2021 percent
 Lending interest rate 19.70 2025 percent
 Real interest rate 4.57 2025 percent
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