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In November, Ukrainian banks will be compelled to actively adjust their terms for loans, deposits, and services due to inflation, the economic situation, and geopolitical factors. Inflation in Ukraine has risen, and the National Bank expects an annual rate of up to 9.7%, which will impact the financial policies of banks. Due to the NBU's maintained key interest rate of 13%, a reduction in loan rates seems unlikely, with large business clients expected to face rates between 14–17% per annum, while small businesses may see rates up to 23%, depending on risks. This is reported by the Minfin portal.

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For consumer lending, rates may range from 20% to 40% per annum; however, considering fees and additional payments, the real cost of loans can reach 60–90% per annum.

Competition for deposits will force banks to raise rates on hryvnia deposits, which will be around 15–16% for a one-year term. Currency deposits will remain low-yield due to reserve requirements.

Banks will continue to actively sell government bonds (OVGZ), as they offer better conditions for depositors without income taxation. Demand for currency in November will remain high, allowing banks to profit from currency operations, especially for large clients.

Deposits at risk: banks may lose customers in November.