Bank lending-deposit spread in Philippines
Philippines: Bank lending-deposit spread was 3.01 in 2019. ▼ Falling
Bank lending-deposit spread in Philippines, 1980–2019
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
The most recent figure for bank lending-deposit spread in Philippines is 3.01, measured in 2019.
Compared with earlier readings it is up 0.3% on the previous year and down 48.3% over ten years.
Over the whole period, bank lending-deposit spread in Philippines peaked at 9.7 in 1985 and was at its lowest, 1.48, in 1981.
That places Philippines 95th out of 124 countries with data for 2019, putting it in the bottom quarter.
The long-run direction has been consistently falling across the 40 years of available data.
Bank lending-deposit spread in Philippines, year by year
| Year | Value | Change |
|---|---|---|
| 1980 | 2.33 | — |
| 1981 | 1.48 | -36.4% |
| 1982 | 4.38 | +194.8% |
| 1983 | 5.66 | +29.2% |
| 1984 | 7.02 | +24.2% |
| 1985 | 9.7 | +38.1% |
| 1986 | 6.28 | -35.2% |
| 1987 | 5.14 | -18.2% |
| 1988 | 4.61 | -10.3% |
| 1989 | 5.14 | +11.7% |
| 1990 | 4.58 | -10.9% |
| 1991 | 4.27 | -6.7% |
| 1992 | 5.2 | +21.8% |
| 1993 | 5.08 | -2.5% |
| 1994 | 4.52 | -11.0% |
| 1995 | 6.29 | +39.2% |
| 1996 | 5.16 | -18.0% |
| 1997 | 6.08 | +18.0% |
| 1998 | 4.67 | -23.2% |
| 1999 | 3.61 | -22.7% |
| 2000 | 2.6 | -27.9% |
| 2001 | 3.66 | +40.6% |
| 2002 | 4.53 | +23.9% |
| 2003 | 4.25 | -6.2% |
| 2004 | 3.9 | -8.2% |
| 2005 | 4.63 | +18.6% |
| 2006 | 4.48 | -3.1% |
| 2007 | 5 | +11.4% |
| 2008 | 4.26 | -14.7% |
| 2009 | 5.83 | +36.7% |
| 2010 | 4.45 | -23.6% |
| 2011 | 3.28 | -26.4% |
| 2012 | 2.52 | -23.0% |
| 2013 | 4.11 | +62.7% |
| 2014 | 4.3 | +4.7% |
| 2015 | 3.99 | -7.2% |
| 2016 | 4.05 | +1.5% |
| 2017 | 3.75 | -7.3% |
| 2018 | 3 | -19.9% |
| 2019 | 3.01 | +0.3% |
Philippines compared with similar countries
- Philippines's 3.01 is below the median for upper middle income countries, which is 5.5, 55% of the median. (45 countries reporting)
- Philippines's 3.01 is below the median for East Asia & Pacific, which is 4.94, 61% of the median. (25 countries reporting)
Biggest year-on-year movements
Years where Bank lending-deposit spread in Philippines 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 |
|---|---|---|---|
| 1982 | +194.8% | 1.48 | 4.38 |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 5.17 | 1.48 | 9.7 | 10 |
| 1990s | 4.95 | 3.61 | 6.29 | 10 |
| 2000s | 4.31 | 2.6 | 5.83 | 10 |
| 2010s | 3.64 | 2.52 | 4.45 | 10 |
Countries ranked near Philippines
More financial sector data for Philippines
- Reserve position in the IMF, US dollar, annual growth rate 7.66 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0015 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 6.23 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 2.52 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0011 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 4.55 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 7.66 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0015 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 6.23 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 2.52 % change on previous year (2025)
Frequently asked questions
- What is bank lending-deposit spread in Philippines?
- Bank lending-deposit spread in Philippines was 3.01 in 2019, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Philippines?
- The highest recorded value was 9.7 in 1985.
- What is the lowest bank lending-deposit spread recorded in Philippines?
- The lowest recorded value was 1.48 in 1981.
- How does Philippines rank for bank lending-deposit spread?
- Philippines ranks 95th out of 124 countries with data for 2019.
- Is bank lending-deposit spread rising or falling in Philippines?
- Over the last ten years it is down 48.3%. The long-run trend across the full record is falling.
- Where does this Philippines 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 — 40 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.