Interest rate spread (lending rate minus deposit rate, %) in Bangladesh
Bangladesh: Interest rate spread (lending rate minus deposit rate, %) was -0.7% in 2025. ◆ Volatile
Interest rate spread in Bangladesh, 1976–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
The most recent figure for interest rate spread in Bangladesh is -0.7%, measured in 2025.
Compared with earlier readings it is down 154.7% on the previous year and down 121.1% over ten years.
Over the whole period, interest rate spread in Bangladesh peaked at 6.2% in 1994 and was at its lowest, -2.5%, in 1981.
That places Bangladesh 132nd out of 141 countries with data for 2025, putting it in the bottom quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Interest rate spread (lending rate minus deposit rate, %) in Bangladesh, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1976 | 2.6% | — |
| 1977 | 2.3% | -11.1% |
| 1978 | 2.3% | +0.0% |
| 1979 | 2.3% | +0.0% |
| 1980 | 1.2% | -48.8% |
| 1981 | -2.5% | -312.9% |
| 1982 | -2.5% | -0.0% |
| 1983 | -2.5% | -0.0% |
| 1984 | -2.5% | -0.0% |
| 1985 | -2.5% | -0.0% |
| 1986 | -0.6% | -75.1% |
| 1987 | 1.2% | -300.9% |
| 1988 | 1.2% | +0.0% |
| 1989 | 1.2% | +0.0% |
| 1990 | 1.2% | -3.7% |
| 1991 | 1.1% | -7.4% |
| 1992 | 2.1% | +85.6% |
| 1993 | 4.6% | +126.5% |
| 1994 | 6.2% | +33.3% |
| 1995 | 6.1% | -0.9% |
| 1996 | 4.7% | -22.9% |
| 1997 | 3.8% | -19.9% |
| 1998 | 3.6% | -4.2% |
| 1999 | 3.7% | +0.8% |
| 2000 | 4.1% | +11.1% |
| 2001 | 3.7% | -9.9% |
| 2002 | 4.7% | +28.2% |
| 2003 | 4.9% | +4.9% |
| 2004 | 4.6% | -6.8% |
| 2005 | 5.1% | +10.5% |
| 2006 | 5.7% | +11.8% |
| 2007 | 5.6% | -0.7% |
| 2008 | 5.3% | -5.3% |
| 2009 | 5.5% | +3.2% |
| 2010 | 5.0% | -9.1% |
| 2011 | 4.5% | -10.5% |
| 2012 | 3.7% | -16.9% |
| 2013 | 1.9% | -49.8% |
| 2014 | 3.1% | +68.0% |
| 2015 | 3.5% | +10.2% |
| 2016 | 4.2% | +21.5% |
| 2017 | 3.9% | -6.6% |
| 2018 | 3.0% | -23.9% |
| 2019 | 2.8% | -7.1% |
| 2020 | 2.2% | -19.9% |
| 2021 | 2.3% | +2.3% |
| 2022 | 1.6% | -31.3% |
| 2023 | 1.1% | -32.8% |
| 2024 | 1.3% | +26.8% |
| 2025 | -0.7% | -154.7% |
Bangladesh compared with similar countries
- Bangladesh's -0.7% is below the median for lower middle income countries, which is 6.3%. (37 countries reporting)
Biggest year-on-year movements
Years where Interest rate spread (lending rate minus deposit rate, %) in Bangladesh 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 |
|---|---|---|---|
| 1981 | -312.9% | 1.2% | -2.5% |
| 1987 | +300.9% | -0.6% | 1.2% |
| 2025 | -154.7% | 1.3% | -0.7% |
| 1993 | +126.5% | 2.1% | 4.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1970s | 2.3% | 2.3% | 2.6% | 4 |
| 1980s | -0.8% | -2.5% | 1.2% | 10 |
| 1990s | 3.7% | 1.1% | 6.2% | 10 |
| 2000s | 4.9% | 3.7% | 5.7% | 10 |
| 2010s | 3.6% | 1.9% | 5.0% | 10 |
| 2020s | 1.3% | -0.7% | 2.3% | 6 |
Countries ranked near Bangladesh
More financial sector data for Bangladesh
- Reserve position in the IMF, US dollar, annual growth rate 5.07 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0004 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 1.05 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0.0537 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0003 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.7636 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.07 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0004 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 1.05 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0.0537 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Bangladesh?
- Interest rate spread in Bangladesh was -0.7% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Bangladesh?
- The highest recorded value was 6.2% in 1994.
- What is the lowest interest rate spread recorded in Bangladesh?
- The lowest recorded value was -2.5% in 1981.
- How does Bangladesh rank for interest rate spread?
- Bangladesh ranks 132nd out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Bangladesh?
- Over the last ten years it is down 121.1%. The long-run trend across the full record is volatile.
- Where does this Bangladesh 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.