Bank lending-deposit spread in Zambia
Zambia: Bank lending-deposit spread was 0.7632 in 2020. ◆ Volatile
Bank lending-deposit spread in Zambia, 1980–2020
Source: International Financial Statistics (IFS), International Monetary Fund (IMF).
Analysis
Zambia recorded 0.7632 for bank lending-deposit spread in 2020. That is the lowest value across all 41 years on record.
Compared with earlier readings it is down 61.9% on the previous year and down 94.4% over ten years.
Over the whole period, bank lending-deposit spread in Zambia peaked at 25.18 in 1993 and was at its lowest, 0.7632, in 2020.
Zambia ranks 121st of 124 countries on this measure, in the bottom quarter.
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 | 5.7 | 2.5 | 9.65 | 10 |
| 1990s | 15.47 | 6.07 | 25.18 | 10 |
| 2000s | 16.81 | 9.67 | 22.82 | 10 |
| 2010s | 5.47 | 2.01 | 13.52 | 10 |
| 2020s | 0.7632 | 0.7632 | 0.7632 | 1 |
Countries ranked near Zambia
More financial sector data for Zambia
- Domestic credit to private sector by banks 13.7% (2025)
- Total reserves in months of imports 3.29 (2024)
- Net domestic credit 172.45 billion current LCU (2025)
- Net foreign assets 85.43 billion current LCU (2025)
- Monetary Sector credit to private sector 13.7% (2025)
- Broad money 30.8% (2025)
- Claims on central government, etc. 9.1% (2025)
- Domestic credit to private sector 17.0% (2024)
- Official exchange rate 25.28 LCU per US$, period average (2025)
- Net migration 6,562 (2025)
Frequently asked questions
- What is bank lending-deposit spread in Zambia?
- Bank lending-deposit spread in Zambia was 0.7632 in 2020, according to International Financial Statistics (IFS), International Monetary Fund (IMF).
- What is the highest bank lending-deposit spread recorded in Zambia?
- The highest recorded value was 25.18 in 1993.
- What is the lowest bank lending-deposit spread recorded in Zambia?
- The lowest recorded value was 0.7632 in 2020.
- How does Zambia rank for bank lending-deposit spread?
- Zambia ranks 121st out of 124 countries with data for 2020.
- Is bank lending-deposit spread rising or falling in Zambia?
- Over the last ten years it is down 94.4%. The long-run trend across the full record is volatile.
- Where does this Zambia 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.