Interest rate spread (lending rate minus deposit rate, %) in Albania
Albania: Interest rate spread (lending rate minus deposit rate, %) was 4.6% in 2024. ▼ Falling
Interest rate spread in Albania, 1992–2024
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
Albania recorded 4.6% for interest rate spread in 2024.
That represents a change of down 8.5% on the previous year and down 24.4% over ten years.
Over the whole period, interest rate spread in Albania peaked at 13.8% in 2000 and was at its lowest, 2.1%, in 1992.
Albania ranks 81st of 141 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 32 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Albania, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1992 | 2.1% | — |
| 1993 | 2.2% | +8.0% |
| 1994 | 3.8% | +70.4% |
| 1995 | 4.3% | +13.5% |
| 1996 | 7.2% | +64.9% |
| 1997 | 5.4% | -24.3% |
| 1999 | 8.7% | +59.6% |
| 2000 | 13.8% | +59.2% |
| 2001 | 11.9% | -13.6% |
| 2002 | 6.8% | -43.3% |
| 2003 | 5.9% | -12.9% |
| 2004 | 5.2% | -12.6% |
| 2005 | 8.0% | +55.0% |
| 2006 | 7.7% | -3.4% |
| 2007 | 8.4% | +9.4% |
| 2008 | 6.2% | -26.3% |
| 2009 | 5.9% | -5.3% |
| 2010 | 6.4% | +8.8% |
| 2011 | 6.6% | +2.6% |
| 2012 | 5.5% | -17.0% |
| 2013 | 5.7% | +3.8% |
| 2014 | 6.1% | +7.0% |
| 2015 | 6.5% | +7.0% |
| 2016 | 5.9% | -9.0% |
| 2017 | 5.5% | -7.6% |
| 2018 | 5.2% | -5.0% |
| 2019 | 5.8% | +11.6% |
| 2020 | 5.7% | -1.3% |
| 2021 | 5.5% | -2.8% |
| 2022 | 5.8% | +4.2% |
| 2023 | 5.0% | -13.4% |
| 2024 | 4.6% | -8.5% |
Albania compared with similar countries
- Albania's 4.6% is below the median for upper middle income countries, which is 5.4%, 86% of the median. (49 countries reporting)
- Albania's 4.6% is above the median for Europe & Central Asia, which is 4.0%, 1.1× the median. (27 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 4.8% | 2.1% | 8.7% | 7 |
| 2000s | 8.0% | 5.2% | 13.8% | 10 |
| 2010s | 5.9% | 5.2% | 6.6% | 10 |
| 2020s | 5.3% | 4.6% | 5.8% | 5 |
Countries ranked near Albania
More financial sector data for Albania
- 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 0.0012 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 15.16 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 0.0009 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 11.07 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 0.0012 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 15.16 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Albania?
- Interest rate spread in Albania was 4.6% in 2024, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Albania?
- The highest recorded value was 13.8% in 2000.
- What is the lowest interest rate spread recorded in Albania?
- The lowest recorded value was 2.1% in 1992.
- How does Albania rank for interest rate spread?
- Albania ranks 81st out of 141 countries with data for 2024.
- Is interest rate spread rising or falling in Albania?
- Over the last ten years it is down 24.4%. The long-run trend across the full record is falling.
- Where does this Albania data come from?
- The figures come from International Financial Statistics database, International Monetary Fund (IMF), published as part of Interest rate spread (lending rate minus deposit rate, %). Statizoid updates them automatically from the source API.
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About this data
Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.