Bank lending-deposit spread in Armenia
Armenia: Bank lending-deposit spread was 3.5 in 2020. ◆ Volatile
Bank lending-deposit spread in Armenia, 1995–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
The most recent figure for bank lending-deposit spread in Armenia is 3.5, measured in 2020.
The figure is down 4.2% on the previous year and down 65.8% over ten years.
Over the whole period, bank lending-deposit spread in Armenia peaked at 39.92 in 1995 and was at its lowest, 3.44, in 2015.
Armenia ranks 88th of 124 countries on this measure, in the middle of the range.
The series is highly variable year to year, so single readings are best treated with caution.
Bank lending-deposit spread in Armenia, year by year
| Year | Value | Change |
|---|---|---|
| 1995 | 39.92 | — |
| 1996 | 34.17 | -14.4% |
| 1997 | 28.15 | -17.6% |
| 1998 | 23.55 | -16.3% |
| 1999 | 11.5 | -51.2% |
| 2000 | 13.49 | +17.3% |
| 2001 | 11.79 | -12.6% |
| 2002 | 11.54 | -2.1% |
| 2003 | 13.95 | +20.9% |
| 2004 | 13.74 | -1.6% |
| 2005 | 12.17 | -11.4% |
| 2006 | 10.69 | -12.2% |
| 2007 | 11.26 | +5.4% |
| 2008 | 10.42 | -7.5% |
| 2009 | 10.11 | -3.0% |
| 2010 | 10.25 | +1.4% |
| 2011 | 8.51 | -17.0% |
| 2012 | 7.66 | -9.9% |
| 2013 | 5.83 | -23.8% |
| 2014 | 5.98 | +2.5% |
| 2015 | 3.44 | -42.5% |
| 2016 | 5.74 | +66.8% |
| 2017 | 5.39 | -6.1% |
| 2018 | 4.13 | -23.4% |
| 2019 | 3.66 | -11.5% |
| 2020 | 3.5 | -4.2% |
Armenia compared with similar countries
- Armenia's 3.5 is below the median for upper middle income countries, which is 5.5, 64% of the median. (45 countries reporting)
- Armenia's 3.5 is above the median for Europe & Central Asia, which is 3.5, 1.0× the median. (23 countries reporting)
Biggest year-on-year movements
Years where Bank lending-deposit spread in Armenia changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2016 | +66.8% | 3.44 | 5.74 |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 27.46 | 11.5 | 39.92 | 5 |
| 2000s | 11.92 | 10.11 | 13.95 | 10 |
| 2010s | 6.06 | 3.44 | 10.25 | 10 |
| 2020s | 3.5 | 3.5 | 3.5 | 1 |
Countries ranked near Armenia
More financial sector data for Armenia
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0665 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0486 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0665 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is bank lending-deposit spread in Armenia?
- Bank lending-deposit spread in Armenia was 3.5 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Armenia?
- The highest recorded value was 39.92 in 1995.
- What is the lowest bank lending-deposit spread recorded in Armenia?
- The lowest recorded value was 3.44 in 2015.
- How does Armenia rank for bank lending-deposit spread?
- Armenia ranks 88th out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Armenia?
- Over the last ten years it is down 65.8%. The long-run trend across the full record is volatile.
- Where does this Armenia data come from?
- The figures come from International Financial Statistics (IFS), International Monetary Fund (IMF), published as part of Bank lending-deposit spread. Statizoid updates them automatically from the source API.
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About this data
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.