Bank lending-deposit spread in Indonesia
Indonesia: Bank lending-deposit spread was 4.04 in 2020. ▲ Rising
Bank lending-deposit spread in Indonesia, 1990–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
Indonesia recorded 4.04 for bank lending-deposit spread in 2020.
The figure is up 9.9% on the previous year and down 35.2% over ten years.
Over the whole period, bank lending-deposit spread in Indonesia peaked at 7.68 in 2004 and was at its lowest, 1.8, in 1997.
That places Indonesia 81st 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 30 years of available data.
Bank lending-deposit spread in Indonesia, year by year
| Year | Value | Change |
|---|---|---|
| 1990 | 3.29 | — |
| 1991 | 2.22 | -32.7% |
| 1992 | 4.43 | +99.9% |
| 1993 | 6.04 | +36.3% |
| 1994 | 5.23 | -13.5% |
| 1995 | 2.13 | -59.2% |
| 1996 | 1.96 | -8.1% |
| 1997 | 1.8 | -8.1% |
| 1999 | 1.93 | +6.7% |
| 2000 | 5.95 | +209.2% |
| 2001 | 3.07 | -48.5% |
| 2002 | 3.44 | +12.3% |
| 2003 | 6.34 | +84.3% |
| 2004 | 7.68 | +21.1% |
| 2005 | 5.97 | -22.3% |
| 2006 | 4.57 | -23.5% |
| 2007 | 5.89 | +28.8% |
| 2008 | 5.11 | -13.3% |
| 2009 | 5.22 | +2.2% |
| 2010 | 6.24 | +19.4% |
| 2011 | 5.47 | -12.2% |
| 2012 | 5.85 | +6.9% |
| 2013 | 5.39 | -7.8% |
| 2014 | 3.85 | -28.6% |
| 2015 | 4.33 | +12.3% |
| 2016 | 4.72 | +9.2% |
| 2017 | 4.55 | -3.5% |
| 2018 | 4.41 | -3.2% |
| 2019 | 3.68 | -16.6% |
| 2020 | 4.04 | +9.9% |
Indonesia compared with similar countries
- Indonesia's 4.04 is below the median for upper middle income countries, which is 5.5, 73% of the median. (45 countries reporting)
- Indonesia's 4.04 is below the median for East Asia & Pacific, which is 4.94, 82% of the median. (25 countries reporting)
Biggest year-on-year movements
Years where Bank lending-deposit spread in Indonesia 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 |
|---|---|---|---|
| 2000 | +209.2% | 1.93 | 5.95 |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 3.23 | 1.8 | 6.04 | 9 |
| 2000s | 5.32 | 3.07 | 7.68 | 10 |
| 2010s | 4.85 | 3.68 | 6.24 | 10 |
| 2020s | 4.04 | 4.04 | 4.04 | 1 |
Countries ranked near Indonesia
More financial sector data for Indonesia
- 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 0.0008 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 3.8 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 0.0005 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 2.78 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 0.0008 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 3.8 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 Indonesia?
- Bank lending-deposit spread in Indonesia was 4.04 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Indonesia?
- The highest recorded value was 7.68 in 2004.
- What is the lowest bank lending-deposit spread recorded in Indonesia?
- The lowest recorded value was 1.8 in 1997.
- How does Indonesia rank for bank lending-deposit spread?
- Indonesia ranks 81st out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Indonesia?
- Over the last ten years it is down 35.2%. The long-run trend across the full record is rising.
- Where does this Indonesia 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 — 30 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.