Bank lending-deposit spread in Czechia
Czechia: Bank lending-deposit spread was 3.04 in 2020. ▼ Falling
Bank lending-deposit spread in Czechia, 1993–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
The most recent figure for bank lending-deposit spread in Czechia is 3.04, measured in 2020. That is the lowest value across all 28 years on record.
That represents a change of down 7.8% on the previous year and down 36.7% over ten years.
Over the whole period, bank lending-deposit spread in Czechia peaked at 7.04 in 1993 and was at its lowest, 3.04, in 2020.
That places Czechia 93rd out of 124 countries with data for 2020, putting it in the middle of the range.
The long-run direction has been consistently falling across the 28 years of available data.
Bank lending-deposit spread in Czechia, year by year
| Year | Value | Change |
|---|---|---|
| 1993 | 7.04 | — |
| 1994 | 6.05 | -14.1% |
| 1995 | 5.84 | -3.5% |
| 1996 | 5.75 | -1.5% |
| 1997 | 5.49 | -4.5% |
| 1998 | 4.73 | -13.9% |
| 1999 | 4.2 | -11.1% |
| 2000 | 3.74 | -11.0% |
| 2001 | 4.32 | +15.6% |
| 2002 | 4.73 | +9.3% |
| 2003 | 4.62 | -2.3% |
| 2004 | 4.74 | +2.8% |
| 2005 | 4.6 | -3.0% |
| 2006 | 4.41 | -4.2% |
| 2007 | 4.46 | +1.3% |
| 2008 | 4.64 | +3.9% |
| 2009 | 4.72 | +1.8% |
| 2010 | 4.81 | +1.7% |
| 2011 | 4.68 | -2.6% |
| 2012 | 4.38 | -6.4% |
| 2013 | 4.11 | -6.3% |
| 2014 | 3.94 | -4.0% |
| 2015 | 3.75 | -4.8% |
| 2016 | 3.53 | -5.8% |
| 2017 | 3.31 | -6.2% |
| 2018 | 3.27 | -1.5% |
| 2019 | 3.3 | +1.0% |
| 2020 | 3.04 | -7.8% |
Czechia compared with similar countries
- Czechia's 3.04 is below the median for high income countries, which is 3.8, 80% of the median. (37 countries reporting)
- Czechia's 3.04 is below the median for Europe & Central Asia, which is 3.5, 87% of the median. (23 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 5.59 | 4.2 | 7.04 | 7 |
| 2000s | 4.5 | 3.74 | 4.74 | 10 |
| 2010s | 3.91 | 3.27 | 4.81 | 10 |
| 2020s | 3.04 | 3.04 | 3.04 | 1 |
Countries ranked near Czechia
More financial sector data for Czechia
- Reserve position in the IMF, US dollar, annual growth rate 3.88 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 71.12 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate -1.07 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 51.93 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 3.88 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 71.12 units per person (2025)
- Reserve tranche position, SDR, annual growth rate -1.07 % change on previous year (2025)
Frequently asked questions
- What is bank lending-deposit spread in Czechia?
- Bank lending-deposit spread in Czechia was 3.04 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Czechia?
- The highest recorded value was 7.04 in 1993.
- What is the lowest bank lending-deposit spread recorded in Czechia?
- The lowest recorded value was 3.04 in 2020.
- How does Czechia rank for bank lending-deposit spread?
- Czechia ranks 93rd out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Czechia?
- Over the last ten years it is down 36.7%. The long-run trend across the full record is falling.
- Where does this Czechia 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 — 28 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.