Bank lending-deposit spread in Hong Kong
Hong Kong: Bank lending-deposit spread was 4.94 in 2020. ▲ Rising
Bank lending-deposit spread in Hong Kong, 1994–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
The most recent figure for bank lending-deposit spread in Hong Kong is 4.94, measured in 2020.
The figure is down 0.5% on the previous year and down 1.0% over ten years.
Over the whole period, bank lending-deposit spread in Hong Kong peaked at 5.22 in 2006 and was at its lowest, 2.92, in 1997.
That places Hong Kong 71st out of 124 countries with data for 2020, putting it in the middle of the range.
The long-run direction has been consistently rising across the 27 years of available data.
Bank lending-deposit spread in Hong Kong, year by year
| Year | Value | Change |
|---|---|---|
| 1994 | 3.83 | — |
| 1995 | 3.27 | -14.8% |
| 1996 | 3.88 | +18.6% |
| 1997 | 2.92 | -24.7% |
| 1998 | 3.27 | +12.2% |
| 1999 | 4 | +22.2% |
| 2000 | 4.47 | +11.7% |
| 2001 | 4.47 | -0.1% |
| 2002 | 4.76 | +6.6% |
| 2003 | 4.93 | +3.7% |
| 2004 | 5 | +1.3% |
| 2005 | 4.95 | -1.0% |
| 2006 | 5.22 | +5.4% |
| 2007 | 5.14 | -1.5% |
| 2008 | 4.86 | -5.4% |
| 2009 | 4.99 | +2.6% |
| 2010 | 4.99 | +0.0% |
| 2011 | 4.99 | +0.0% |
| 2012 | 4.99 | +0.0% |
| 2013 | 4.99 | +0.0% |
| 2014 | 4.99 | +0.0% |
| 2015 | 4.99 | +0.0% |
| 2016 | 4.99 | +0.0% |
| 2017 | 4.99 | +0.0% |
| 2018 | 5 | +0.2% |
| 2019 | 4.97 | -0.6% |
| 2020 | 4.94 | -0.5% |
Hong Kong compared with similar countries
- Hong Kong's 4.94 is above the median for high income countries, which is 3.8, 1.3× the median. (37 countries reporting)
- Hong Kong's 4.94 is above the median for East Asia & Pacific, which is 4.94, 1.0× the median. (25 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 3.53 | 2.92 | 4 | 6 |
| 2000s | 4.88 | 4.47 | 5.22 | 10 |
| 2010s | 4.99 | 4.97 | 5 | 10 |
| 2020s | 4.94 | 4.94 | 4.94 | 1 |
Countries ranked near Hong Kong
More financial sector data for Hong Kong
- Reserves excluding gold, foreign exchange (SDR), annual growth rate -3.35 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.7308 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 41,641 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate -0.454 % change on previous year (2023)
- Reserves excluding gold (SDR), per capita 42,075 SDR per person (2023)
- Total reserves (gold at market value) (SDR), annual growth rate -0.4501 % change on previous year (2023)
- Total reserves (gold at market value) (SDR), per capita 42,088 SDR per person (2023)
- Total reserves (gold at national valuation) (SDR), annual growth rate -0.4504 % change on previous year (2023)
- Total reserves (gold at national valuation) (SDR), per capita 42,088 SDR per person (2023)
- Total reserves in months of imports, annual growth rate -0.5027 % change on previous year (2023)
Frequently asked questions
- What is bank lending-deposit spread in Hong Kong?
- Bank lending-deposit spread in Hong Kong was 4.94 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Hong Kong?
- The highest recorded value was 5.22 in 2006.
- What is the lowest bank lending-deposit spread recorded in Hong Kong?
- The lowest recorded value was 2.92 in 1997.
- How does Hong Kong rank for bank lending-deposit spread?
- Hong Kong ranks 71st out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Hong Kong?
- Over the last ten years it is down 1.0%. The long-run trend across the full record is rising.
- Where does this Hong Kong 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 — 27 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.