Bank lending-deposit spread in Kenya
Kenya: Bank lending-deposit spread was 5.03 in 2020. ◆ Volatile
Bank lending-deposit spread in Kenya, 1980–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
In 2020, bank lending-deposit spread in Kenya stood at 5.03.
The figure is up 1.9% on the previous year and down 48.8% over ten years.
Over the whole period, bank lending-deposit spread in Kenya peaked at 20.52 in 1994 and was at its lowest, 2.3, in 1982.
That places Kenya 69th out of 124 countries with data for 2020, putting it in the middle of the range.
The series is highly variable year to year, so single readings are best treated with caution.
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 3.5 | 2.3 | 5.25 | 10 |
| 1990s | 12.37 | 4.5 | 20.52 | 8 |
| 2000s | 10.48 | 7.8 | 14.24 | 10 |
| 2010s | 7.47 | 4.77 | 9.81 | 10 |
| 2020s | 5.03 | 5.03 | 5.03 | 1 |
Countries ranked near Kenya
- 67 Trinidad and Tobago 5.05 compare
- 68 Macao 5.05 compare
More financial sector data for Kenya
- Domestic credit to private sector by banks 29.7% (2024)
- Total reserves in months of imports 4.03 (2024)
- Net domestic credit 7.15 trillion current LCU (2023)
- Net foreign assets 796.06 billion current LCU (2023)
- Monetary Sector credit to private sector 31.8% (2023)
- Broad money 37.6% (2024)
- Claims on central government, etc. 22.4% (2023)
- Domestic credit to private sector 31.8% (2023)
- Official exchange rate 129.3 LCU per US$, period average (2025)
- Net migration -27,330 (2025)
Frequently asked questions
- What is bank lending-deposit spread in Kenya?
- Bank lending-deposit spread in Kenya was 5.03 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Kenya?
- The highest recorded value was 20.52 in 1994.
- What is the lowest bank lending-deposit spread recorded in Kenya?
- The lowest recorded value was 2.3 in 1982.
- How does Kenya rank for bank lending-deposit spread?
- Kenya ranks 69th out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Kenya?
- Over the last ten years it is down 48.8%. The long-run trend across the full record is volatile.
- Where does this Kenya 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 — 39 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.