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.
Bank lending-deposit spread in Australia, year by year
| Year | Value | Change |
|---|---|---|
| 1987 | 0.2016 | — |
| 1988 | 0.7219 | +258.2% |
| 1990 | 0.527 | -27.0% |
| 1991 | 2.36 | +348.7% |
| 1992 | 3.46 | +46.3% |
| 1993 | 3.65 | +5.6% |
| 1994 | 3.34 | -8.6% |
| 1995 | 3.35 | +0.4% |
| 1996 | 3.05 | -9.0% |
| 1997 | 2.12 | -30.5% |
| 1998 | 2.35 | +10.8% |
| 1999 | 2.51 | +6.9% |
| 2000 | 2.81 | +12.0% |
| 2001 | 3.1 | +10.5% |
| 2002 | 2.66 | -14.2% |
| 2003 | 3.1 | +16.6% |
| 2004 | 3.2 | +3.1% |
| 2005 | 3.37 | +5.2% |
| 2006 | 3.55 | +5.4% |
| 2007 | 3.67 | +3.3% |
| 2008 | 4.18 | +14.1% |
| 2009 | 2.94 | -29.7% |
| 2010 | 3.07 | +4.2% |
| 2011 | 3.4 | +10.9% |
| 2012 | 3.06 | -10.0% |
| 2013 | 2.93 | -4.2% |
| 2014 | 3.05 | +4.0% |
| 2015 | 3.27 | +7.4% |
| 2016 | 3.28 | +0.3% |
| 2017 | 3.24 | -1.3% |
| 2018 | 3.28 | +1.4% |
| 2019 | 3.54 | +8.0% |
Australia compared with similar countries
- Australia's 3.54 is below the median for high income countries, which is 3.8, 93% of the median. (37 countries reporting)
- Australia's 3.54 is below the median for East Asia & Pacific, which is 4.94, 72% of the median. (25 countries reporting)
Biggest year-on-year movements
Years where Bank lending-deposit spread in Australia 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 |
|---|---|---|---|
| 1991 | +348.7% | 0.527 | 2.36 |
| 1988 | +258.2% | 0.2016 | 0.7219 |
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
- Reserve position in the IMF, US dollar, annual growth rate 11.9 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0013 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 83.74 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 6.56 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0009 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 61.14 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 11.9 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0013 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 83.74 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 6.56 % change on previous year (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.