Banks of Ukraine in the near future plan to slightly increase deposits in hryvnia deposits. As a result, in the second quarter-2025, the maximum bets on deposits can reach 16-17%. Average interest on loans will also increase, although bankers assure that it is inconsistent. In addition, raising credit rates will not affect a number of state business lending programs, as well as єosel.

At the same time, the funds raised for the development of credit programs will become more expensive, although bets on state credit programs are unlikely to change. " It is expected that the increase in betting on partnerships will be minimal and will not exceed 1 p. to the rates operating since December 2024, ”the banker noted.

As for deposits, their attractiveness for depositors should increase. Mammadov recalled that from April 4, the National Bank increases the rate on 3-month deposit certificates to 19%. This, according to the banker, will stimulate the involvement of hryvnia deposits.

According to the specialist’s calculations, in the near future, the average deposit rates, depending on the period of placement of funds, will be:.

The most popular, according to the forecast, will be deposits for a period of 6-9 months. , as well as for 1 year, allowing you to get a passive profit of 4-5%. And the maximum bets on such deposits, taking into account bonus offers, can reach 17% per annum.

But in the credit market in the second quarter of 2025, the structure of lending may temporarily change. Mammadov does not exclude that more than 50% of the total number of loans issued by banks will have to take partnerships of car loans, lending to small and medium -sized businesses, energy loan.

" It is possible that the number of loans issued for state programs can compensate for gaps on other loans. An important condition is their stable financing by the state, ”the banker summed up.