Bank lending-deposit spread in Malaysia
Malaysia: Bank lending-deposit spread was 1.99 in 2020. ▼ Falling
Bank lending-deposit spread in Malaysia, 1980–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
In 2020, bank lending-deposit spread in Malaysia stood at 1.99.
That represents a change of up 5.1% on the previous year and down 20.4% over ten years.
Over the whole period, bank lending-deposit spread in Malaysia peaked at 7.36 in 1987 and was at its lowest, 1.43, in 2015.
That places Malaysia 111th out of 124 countries with data for 2020, putting it in the bottom quarter.
The long-run direction has been consistently falling across the 41 years of available data.
Bank lending-deposit spread in Malaysia, year by year
| Year | Value | Change |
|---|---|---|
| 1980 | 3.9 | — |
| 1981 | 2.21 | -43.3% |
| 1982 | 2.65 | +19.5% |
| 1983 | 3.75 | +41.9% |
| 1984 | 2.71 | -27.8% |
| 1985 | 3.74 | +38.0% |
| 1986 | 5.16 | +37.8% |
| 1987 | 7.36 | +42.8% |
| 1988 | 6.01 | -18.4% |
| 1989 | 4.33 | -27.9% |
| 1990 | 3.06 | -29.3% |
| 1991 | 2.24 | -27.0% |
| 1992 | 2.23 | -0.4% |
| 1993 | 3 | +35.0% |
| 1994 | 3.87 | +28.8% |
| 1995 | 2.8 | -27.8% |
| 1996 | 2.86 | +2.2% |
| 1997 | 2.85 | -0.2% |
| 1998 | 3.62 | +27.0% |
| 1999 | 4.44 | +22.6% |
| 2000 | 4.31 | -2.9% |
| 2001 | 3.75 | -13.0% |
| 2002 | 3.32 | -11.4% |
| 2003 | 3.23 | -2.7% |
| 2004 | 3.05 | -5.8% |
| 2005 | 2.95 | -3.1% |
| 2006 | 3.34 | +13.1% |
| 2007 | 3.24 | -2.8% |
| 2008 | 2.95 | -8.9% |
| 2009 | 3 | +1.6% |
| 2010 | 2.5 | -16.8% |
| 2011 | 2 | -19.8% |
| 2012 | 1.8 | -9.9% |
| 2013 | 1.68 | -6.9% |
| 2014 | 1.54 | -8.4% |
| 2015 | 1.43 | -7.0% |
| 2016 | 1.5 | +5.0% |
| 2017 | 1.68 | +12.0% |
| 2018 | 1.78 | +6.0% |
| 2019 | 1.89 | +6.1% |
| 2020 | 1.99 | +5.1% |
Malaysia compared with similar countries
- Malaysia's 1.99 is below the median for upper middle income countries, which is 5.5, 36% of the median. (45 countries reporting)
- Malaysia's 1.99 is below the median for East Asia & Pacific, which is 4.94, 40% of the median. (25 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 4.18 | 2.21 | 7.36 | 10 |
| 1990s | 3.1 | 2.23 | 4.44 | 10 |
| 2000s | 3.32 | 2.95 | 4.31 | 10 |
| 2010s | 1.78 | 1.43 | 2.5 | 10 |
| 2020s | 1.99 | 1.99 | 1.99 | 1 |
Countries ranked near Malaysia
More financial sector data for Malaysia
- Reserve position in the IMF, US dollar, annual growth rate 5.91 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 35.78 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0.8573 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 26.13 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.91 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 35.78 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0.8573 % change on previous year (2025)
Frequently asked questions
- What is bank lending-deposit spread in Malaysia?
- Bank lending-deposit spread in Malaysia was 1.99 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Malaysia?
- The highest recorded value was 7.36 in 1987.
- What is the lowest bank lending-deposit spread recorded in Malaysia?
- The lowest recorded value was 1.43 in 2015.
- How does Malaysia rank for bank lending-deposit spread?
- Malaysia ranks 111th out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Malaysia?
- Over the last ten years it is down 20.4%. The long-run trend across the full record is falling.
- Where does this Malaysia 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 — 41 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.