Bank lending-deposit spread in Pakistan
Pakistan: Bank lending-deposit spread was 3.28 in 2020. ▼ Falling
Bank lending-deposit spread in Pakistan, 2004–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
The most recent figure for bank lending-deposit spread in Pakistan is 3.28, measured in 2020.
Compared with earlier readings it is up 5.9% on the previous year and down 44.3% over ten years.
Over the whole period, bank lending-deposit spread in Pakistan peaked at 6.81 in 2006 and was at its lowest, 3.1, in 2019.
Pakistan ranks 92nd of 124 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 17 years of available data.
Bank lending-deposit spread in Pakistan, year by year
| Year | Value | Change |
|---|---|---|
| 2004 | 5.62 | — |
| 2005 | 6.48 | +15.2% |
| 2006 | 6.81 | +5.2% |
| 2007 | 6.46 | -5.2% |
| 2008 | 6.02 | -6.8% |
| 2009 | 5.86 | -2.7% |
| 2010 | 5.9 | +0.7% |
| 2011 | 6.19 | +5.0% |
| 2012 | 5.54 | -10.5% |
| 2013 | 4.81 | -13.1% |
| 2014 | 4.46 | -7.3% |
| 2015 | 4.18 | -6.3% |
| 2016 | 3.92 | -6.3% |
| 2017 | 3.73 | -4.8% |
| 2018 | 3.31 | -11.4% |
| 2019 | 3.1 | -6.2% |
| 2020 | 3.28 | +5.9% |
Pakistan compared with similar countries
- Pakistan's 3.28 is below the median for lower middle income countries, which is 7.06, 46% of the median. (31 countries reporting)
- Pakistan's 3.28 is below the median for Middle East, North Africa, Afghanistan & Pakistan, which is 3.41, 96% of the median. (13 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 6.21 | 5.62 | 6.81 | 6 |
| 2010s | 4.52 | 3.1 | 6.19 | 10 |
| 2020s | 3.28 | 3.28 | 3.28 | 1 |
Countries ranked near Pakistan
More financial sector data for Pakistan
- 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 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0006 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 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0005 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 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0006 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 Pakistan?
- Bank lending-deposit spread in Pakistan was 3.28 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Pakistan?
- The highest recorded value was 6.81 in 2006.
- What is the lowest bank lending-deposit spread recorded in Pakistan?
- The lowest recorded value was 3.1 in 2019.
- How does Pakistan rank for bank lending-deposit spread?
- Pakistan ranks 92nd out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Pakistan?
- Over the last ten years it is down 44.3%. The long-run trend across the full record is falling.
- Where does this Pakistan 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 — 17 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.