Bank lending-deposit spread in Australia
Australia: Bank lending-deposit spread was 3.54 in 2019. ▲ Rising
Bank lending-deposit spread in Australia, 1987–2019
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
Australia recorded 3.54 for bank lending-deposit spread in 2019.
That represents a change of up 8.0% on the previous year and up 20.4% over ten years.
Over the whole period, bank lending-deposit spread in Australia peaked at 4.18 in 2008 and was at its lowest, 0.2016, in 1987.
Australia ranks 86th of 124 countries on this measure, in the middle of the range.
The long-run direction has been consistently rising across the 32 years of available data.
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 0.4617 | 0.2016 | 0.7219 | 2 |
| 1990s | 2.67 | 0.527 | 3.65 | 10 |
| 2000s | 3.26 | 2.66 | 4.18 | 10 |
| 2010s | 3.21 | 2.93 | 3.54 | 10 |
Countries ranked near Australia
More financial sector data for Australia
- Domestic credit to private sector by banks 133.8% (2025)
- Total reserves in months of imports 1.58 (2025)
- Net domestic credit 5.96 trillion current LCU (2025)
- Net foreign assets -136.13 billion current LCU (2025)
- Monetary Sector credit to private sector 133.8% (2025)
- Broad money 133.1% (2025)
- Claims on central government, etc. 8.0% (2025)
- Domestic credit to private sector 133.8% (2025)
- Official exchange rate 1.55 LCU per US$, period average (2025)
- Net migration 137,109 (2025)
Frequently asked questions
- What is bank lending-deposit spread in Australia?
- Bank lending-deposit spread in Australia was 3.54 in 2019, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Australia?
- The highest recorded value was 4.18 in 2008.
- What is the lowest bank lending-deposit spread recorded in Australia?
- The lowest recorded value was 0.2016 in 1987.
- How does Australia rank for bank lending-deposit spread?
- Australia ranks 86th out of 124 countries with data for 2019.
- Is bank lending-deposit spread rising or falling in Australia?
- Over the last ten years it is up 20.4%. The long-run trend across the full record is rising.
- Where does this Australia 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.
Download this data
CSV · JSON — 32 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.