Ukrainian banks do not predict the increase in the cost of raising funds from the population in the first quarter, but an increase in the cost of corporation deposits will most likely be. This is evidenced by the results of the next survey on the conditions of banking funding of the National Bank.

It is noted that in the last quarter of 2024. The volume of deposits of the population has grown in almost all banks, but a number of banks also announced a significant increase in the amounts of corporation funds.

" However, the cost of funds did not contribute to building household investments. Corporation deposits increased primarily thanks to the proposal of customers themselves and the intentions of the financial institutions to change the share in the market, ”the NBU believes.

According to banks, in the first quarter of 2025, the attraction will only grow only from the population, and from business will remain unchanged. At the same time, banks expect an increase in the cost of corporation deposits. The cost of population funds and wholesale funds for expectations will almost not change.

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A survey on banking funding was conducted from December 16, 2024 to January 10, 2025 among banks responsible for passing management. The answers gave 26 financial institutions, their share in the total assets of the banking system is 96%.

However, it was reported that the National Bank increased the discount rate to 14.5%, which is designed to restrain inflation. Therefore, banks can change their rates on deposits and loans.