9.77 - 107.47
7.36 - 9.77
6.08 - 7.36
5.31 - 6.08
4.75 - 5.31
3.79 - 4.75
2.85 - 3.79
0.90 - 2.85

Interest rate spread (lending rate minus deposit rate, %)

The interest rate spread, representing the differential between the rates banks charge for loans to the private sector and those they offer for deposits, serves as a crucial indicator of the banking sector's health and profitability. This metric not only reflects the cost of borrowing versus the incentives for saving but also highlights the risk assessment practices of financial institutions. Variations in this spread can signify broader economic conditions, such as inflationary pressures or shifts in monetary policy. Additionally, because the specific terms governing these rates can vary significantly across countries, the spread is influenced by local regulatory frameworks, competition levels, and consumer behavior, making it a complex but insightful tool for analyzing an economy's financial landscape. Source:
Year:
2023
#Flag
Country
Interest rate spread (lending rate minus deposit rate, %)
Year
1
Zimbabwe107.472023
2
Madagascar40.582023
3
Brazil31.462023
4
Kyrgyz Republic17.812023
5
South Sudan16.232023
6
Sao Tome and Principe15.522023
7
Mozambique14.362023
8
Sierra Leone13.942023
9
Timor-Leste10.132023
10
Angola10.042023
11
Ukraine9.772023
12
Lesotho8.652023
13
Vanuatu8.542023
14
Bhutan8.522023
15
Honduras8.462023
16
Papua New Guinea82023
17
Colombia7.822023
18
Guatemala7.752023
19
Maldives7.692023
20
Seychelles7.632023
21
Guyana7.62023
22
Nicaragua7.362023
23
Mexico6.822023
24
Cabo Verde6.772023
25
Samoa6.532023
26
Rwanda6.412023
27
Eswatini6.392023
28
Belize6.362023
29
Algeria6.252023
30
Tonga6.192023
31
Nigeria6.172023
32
Montenegro6.082023
33
Grenada6.032023
34
Trinidad and Tobago6.022023
35
St. Vincent and the Grenadines5.922023
36
Jamaica5.842023
37
Namibia5.532023
38
Suriname5.52023
39
Bolivia5.462023
40
Macao SAR, China5.372023
41
Moldova5.372023
42
Antigua and Barbuda5.342023
43
Azerbaijan5.312023
44
Brunei Darussalam5.312023
45
Hong Kong SAR, China5.282023
46
Dominican Republic5.272023
47
St. Lucia5.172023
48
Belarus5.112023
49
Egypt, Arab Rep.5.112023
50
Albania52023
51
Mauritius4.922023
52
South Africa4.872023
53
Botswana4.752023
54
St. Kitts and Nevis4.672023
55
Viet Nam4.542023
56
Kenya4.422023
57
Bulgaria4.342023
58
Dominica4.32023
59
Indonesia4.292023
60
Uzbekistan4.132023
61
Russian Federation4.052023
62
Armenia4.022023
63
Costa Rica4.022023
64
Uruguay3.792023
65
Fiji3.772023
66
Bahamas, The3.712023
67
San Marino3.632023
68
North Macedonia3.632023
69
Jordan3.372023
70
Bosnia and Herzegovina2.942023
71
Norway2.912023
72
Thailand2.912023
73
Romania2.882023
74
China2.852023
75
Malaysia2.672023
76
Kuwait2.432023
77
Czechia2.272023
78
Hungary2.182023
79
Georgia1.922023
80
Switzerland1.772023
81
Qatar1.442023
82
Korea, Rep.1.342023
83
Bangladesh1.052023
84
Argentina0.92023