Interest rate spread (lending rate minus deposit rate, %) in Algeria
Algeria: Interest rate spread (lending rate minus deposit rate, %) was 6.2% in 2025. ▲ Rising
Interest rate spread in Algeria, 1995–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
Algeria recorded 6.2% for interest rate spread in 2025. That is the highest value across all 31 years on record.
The figure is unchanged over ten years.
Over the whole period, interest rate spread in Algeria peaked at 6.2% in 2006 and was at its lowest, 1.8%, in 1995.
That places Algeria 49th out of 141 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently rising across the 31 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Algeria, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1995 | 1.8% | — |
| 1996 | 4.5% | +145.5% |
| 1997 | 3.1% | -31.0% |
| 1998 | 2.4% | -23.5% |
| 1999 | 2.5% | +5.3% |
| 2000 | 2.5% | +0.0% |
| 2001 | 3.2% | +30.0% |
| 2002 | 3.2% | +0.0% |
| 2003 | 2.9% | -11.5% |
| 2004 | 4.4% | +51.4% |
| 2005 | 6.1% | +39.2% |
| 2006 | 6.2% | +3.1% |
| 2007 | 6.2% | +0.0% |
| 2008 | 6.2% | +0.0% |
| 2009 | 6.2% | +0.0% |
| 2010 | 6.2% | +0.0% |
| 2011 | 6.2% | +0.0% |
| 2012 | 6.2% | +0.0% |
| 2013 | 6.2% | +0.0% |
| 2014 | 6.2% | +0.0% |
| 2015 | 6.2% | +0.0% |
| 2016 | 6.2% | +0.0% |
| 2017 | 6.2% | +0.0% |
| 2018 | 6.2% | +0.0% |
| 2019 | 6.2% | +0.0% |
| 2020 | 6.2% | +0.0% |
| 2021 | 6.2% | +0.0% |
| 2022 | 6.2% | +0.0% |
| 2023 | 6.2% | +0.0% |
| 2024 | 6.2% | +0.0% |
| 2025 | 6.2% | +0.0% |
Algeria compared with similar countries
- Algeria's 6.2% is above the median for upper middle income countries, which is 5.4%, 1.2× the median. (49 countries reporting)
- Algeria's 6.2% is above the median for Middle East, North Africa, Afghanistan & Pakistan, which is 3.3%, 1.9× the median. (15 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 2.9% | 1.8% | 4.5% | 5 |
| 2000s | 4.7% | 2.5% | 6.2% | 10 |
| 2010s | 6.2% | 6.2% | 6.2% | 10 |
| 2020s | 6.2% | 6.2% | 6.2% | 6 |
Countries ranked near Algeria
More financial sector data for Algeria
- Reserve position in the IMF, US dollar, annual growth rate 7.41 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0024 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 14.63 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 2.28 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0018 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 10.69 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 7.41 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0024 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 14.63 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 2.28 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Algeria?
- Interest rate spread in Algeria was 6.2% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Algeria?
- The highest recorded value was 6.2% in 2006.
- What is the lowest interest rate spread recorded in Algeria?
- The lowest recorded value was 1.8% in 1995.
- How does Algeria rank for interest rate spread?
- Algeria ranks 49th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Algeria?
- Over the last ten years it is unchanged. The long-run trend across the full record is rising.
- Where does this Algeria 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.