Statizoid

Bank lending-deposit spread by country

Raw data are from the electronic version of the IMF’s International Financial Statistics. Difference between lending rate and deposit rate. Lending rate is the rate charged by banks on loans to the private sector and deposit interest rate is the rate offered by commercial banks on three-month deposits. IFS line 60P...

Countries reporting
124
Highest
35.68
Madagascar
Lowest
0.0674
Argentina
Median
5.35
Years covered
41
1980–2020
Data points
3,456

What the numbers show

Bank lending-deposit spread is currently reported for 124 countries. The highest value is 35.68 in Madagascar; the lowest is 0.0674 in Argentina.

The median across all reporting countries is 5.35, and the mean is 6.57.

The gap between the highest and lowest reporting country is a factor of about 530.

Over the past decade 37 countries rose and 85 fell. The largest increase was in Belarus (up 1,839.3%), and the largest decrease in Argentina (down 95.2%).

Bank lending-deposit spread: full country ranking

#Country LatestYear 10-year changeTrend
1 Madagascar 35.68 2020 down 0.1% volatile
2 Brazil 26.85 2020 down 13.7% falling
3 Gambia 21.16 2020 up 71.0% rising
4 Democratic Republic of Congo 19.76 2020 down 50.3% falling
5 Laos 19.61 2010 down 1.9% rising
6 Tajikistan 18.37 2019 up 22.2% rising
7 South Sudan 16.01 2020 up 59.4% rising
8 Sao Tome and Principe 15.85 2020 down 10.7% falling
9 Kyrgyzstan 15.67 2020 down 28.0% falling
10 Micronesia (country) 14.4 2020 up 1.3% rising
11 Paraguay 14.14 2017 down 40.9% falling
12 East Timor 13.48 2020 up 32.2% rising
13 Angola 13.45 2020 up 37.5% volatile
14 Sierra Leone 12.3 2020 up 4.4% rising
15 Mauritania 11.33 2017 down 26.9% rising
16 Peru 11.08 2020 down 34.2% volatile
17 Bhutan 11 2020 down 6.0% rising
18 Uganda 10.46 2018 up 7.0% rising
19 Mozambique 10.28 2020 up 56.3% falling
20 Solomon Islands 10.19 2020 down 8.6% falling
21 Tanzania 10 2020 up 26.2% falling
22 Jamaica 9.6 2020 down 31.5% rising
23 Nicaragua 9.03 2020 down 12.6% rising
24 Myanmar 9 2020 up 0.9% falling
25 Nigeria 9 2020 down 18.7% rising
26 Honduras 8.88 2020 down 1.9% rising
27 Rwanda 8.7 2020 down 15.0% rising
28 Guyana 8.62 2020 down 29.8% rising
29 Azerbaijan 8.49 2020 down 6.3% rising
30 Liberia 8.22 2017 down 27.1% rising
31 Ukraine 8.21 2020 up 54.5% volatile
32 Seychelles 8.13 2020 down 17.4% rising
33 Barbados 7.9 2020 up 30.9% rising
34 Guatemala 7.9 2020 up 0.1% falling
35 Maldives 7.88 2020 up 24.6% rising
36 Dominican Republic 7.79 2017 down 12.1% falling
37 Papua New Guinea 7.77 2019 unchanged rising
38 Cape Verde 7.31 2020 down 7.8% flat
39 Croatia 7.23 2014 down 26.8% falling
40 Lesotho 7.06 2020 down 6.3% rising
41 Suriname 6.86 2020 up 26.4% volatile
42 Yemen 6.83 2013 up 36.7% falling
43 Mongolia 6.67 2020 down 18.7% volatile
44 Belize 6.55 2020 up 7.1% rising
45 Colombia 6.47 2020 up 13.2% falling
46 Uruguay 6.44 2020 up 4.5% volatile
47 Comoros 6.34 2020 down 27.5% falling
48 Venezuela 6.33 2017 down 1.1% volatile
49 Saint Vincent and the Grenadines 6.26 2020 down 0.8% rising
50 Algeria 6.25 2020 unchanged rising
51 Haiti 6.23 2019 down 61.5% falling
52 Antigua and Barbuda 6.17 2020 down 19.1% rising
53 Samoa 6.04 2020 down 24.7% falling
54 Uzbekistan 6.03 2020 up 622.8% volatile
55 Tonga 5.76 2020 down 15.5% falling
56 Albania 5.71 2020 down 10.8% rising
57 Grenada 5.67 2020 down 24.4% falling
58 Saint Lucia 5.6 2020 down 23.2% falling
59 Mauritius 5.5 2020 up 948.4% volatile
60 Aruba 5.5 2020 down 34.5% rising
61 Eswatini 5.49 2020 down 6.9% rising
62 Saint Kitts and Nevis 5.43 2020 up 34.9% flat
63 Brunei 5.27 2020 up 4.8% rising
64 Iran 5.2 2016 up 113.1% volatile
65 Dominica 5.09 2020 down 17.9% falling
66 Singapore 5.07 2020 down 2.1% rising
67 Trinidad and Tobago 5.05 2020 down 35.0% falling
68 Macao 5.05 2020 down 3.4% rising
69 Kenya 5.03 2020 down 48.8% volatile
70 Panama 4.96 2020 up 6.1% rising
71 Hong Kong 4.94 2020 down 1.0% rising
72 Mexico 4.88 2020 up 19.9% volatile
73 Guinea 4.85 2001 up 94.0% volatile
74 Romania 4.56 2020 down 32.6% volatile
75 Moldova 4.35 2020 down 49.9% falling
76 Bulgaria 4.32 2020 down 38.8% falling
77 Botswana 4.19 2020 down 28.4% volatile
78 Bahrain 4.17 2015 down 10.9% rising
79 Costa Rica 4.05 2020 down 65.5% rising
80 Bolivia 4.05 2020 down 54.3% volatile
81 Indonesia 4.04 2020 down 35.2% rising
82 Bahamas 3.8 2020 up 84.4% rising
83 North Macedonia 3.72 2020 up 15.2% falling
84 Egypt 3.58 2020 down 25.0% flat
85 Namibia 3.56 2020 down 24.5% falling
86 Australia 3.54 2019 up 20.4% rising
87 Vietnam 3.53 2020 up 81.7% falling
88 Armenia 3.5 2020 down 65.8% volatile
89 Libya 3.5 2014 down 12.5% rising
90 Jordan 3.41 2020 down 38.0% falling
91 Ethiopia 3.32 2008 down 26.1% falling
92 Pakistan 3.28 2020 down 44.3% falling
93 Czechia 3.04 2020 down 36.7% falling
94 Switzerland 3.02 2020 up 13.4% rising
95 Philippines 3.01 2019 down 48.3% falling
96 Russia 3.01 2020 down 37.5% volatile
97 China 2.85 2020 down 6.9% rising
98 South Africa 2.83 2020 down 16.1% falling
99 Israel 2.81 2020 down 9.3% falling
100 United Kingdom 2.75 1998 up 77.4% rising
101 Thailand 2.67 2020 down 14.8% falling
102 Canada 2.6 2017 down 35.3% falling
103 Sweden 2.59 2006 down 48.5% falling
104 Sri Lanka 2.53 2019 down 50.0% volatile
105 Kuwait 2.52 2020 down 18.4% rising
106 Fiji 2.49 2020 up 20.0% falling
107 Belarus 2.42 2020 up 1,839.3% volatile
108 Bosnia and Herzegovina 2.28 2020 down 51.9% falling
109 Bangladesh 2.23 2020 down 55.5% rising
110 Norway 2.1 2020 down 2.8% flat
111 Malaysia 1.99 2020 down 20.4% falling
112 Vanuatu 1.88 2020 down 51.9% falling
113 South Korea 1.64 2020 down 0.9% rising
114 Georgia 1.58 2020 down 72.7% volatile
115 Qatar 1.57 2020 down 64.1% falling
116 Hungary 1.49 2020 down 44.0% volatile
117 Chile 1.48 2018 down 74.4% falling
118 New Zealand 1.46 2017 up 76.7% falling
119 Oman 1.43 2020 down 57.6% rising
120 Lebanon 0.8167 2019 down 63.7% volatile
121 Zambia 0.7632 2020 down 94.4% volatile
122 Japan 0.6733 2017 down 37.4% falling
123 Netherlands 0.2333 2008 down 67.4% volatile
124 Argentina 0.0674 2020 down 95.2% volatile

About this data

Indicator
Bank lending-deposit spread
Source
International Financial Statistics (IFS), International Monetary Fund (IMF)
Licence
CC BY 4.0 (World Bank Open Data)
Coverage
124 places, 3,456 data points, 1980–2020
Last refreshed

Raw data are from the electronic version of the IMF’s International Financial Statistics. Difference between lending rate and deposit rate. Lending rate is the rate charged by banks on loans to the private sector and deposit interest rate is the rate offered by commercial banks on three-month deposits. IFS line 60P - line 60L.