Consumer rates in Ukraine are high because of the demand for loans and deposits, Yuri Horshkov, head of the NBU department on currency frauds told the round table, ForUm correspondent reports.

"This type of banking product is expensive and increase in interest rates on loans is proportional to the deposit rates," he said.

In addition, the banker said that the NBU does not interfere in the situation of rising interest rates on loans and deposits, as this would mean a return to a fully managed economy. "If we intervene, we find the statement that the regulator prevents people from earning a higher interest rate. This is the market and it should be self-regulating," Horshkov explained.

According to him, setting high interest rates, bankers themselves should be aware of and to assess the potential risks. "If the bank's management understands where the money will be placed and why their bank attracts them at such rate, the bank will certainly have no problems. But if the bank, due to the partial misunderstanding of the situation, increases interest rates to attract the customers, of course, such a bank will run into problems," Horshkov summed up.



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