Interest rate spread in Bosnia and Herzegovina
Bosnia and Herzegovina: Interest rate spread was 2.3% in 2025. ▼ Falling
Interest rate spread in Bosnia and Herzegovina, 2002–2025
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 Bosnia and Herzegovina is 2.3%, measured in 2025.
Compared with earlier readings it is down 17.9% on the previous year and down 37.5% over ten years.
Over the whole period, interest rate spread in Bosnia and Herzegovina peaked at 8.2% in 2002 and was at its lowest, 2.3%, in 2020.
That places Bosnia and Herzegovina 120th out of 141 countries with data for 2025, putting it in the bottom quarter.
The long-run direction has been consistently falling across the 24 years of available data.
Interest rate spread in Bosnia and Herzegovina, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2002 | 8.2% | — |
| 2003 | 6.8% | -16.2% |
| 2004 | 6.6% | -4.2% |
| 2005 | 6.0% | -7.8% |
| 2006 | 4.3% | -28.6% |
| 2007 | 3.6% | -16.3% |
| 2008 | 3.5% | -3.4% |
| 2009 | 4.3% | +24.0% |
| 2010 | 4.7% | +9.2% |
| 2011 | 4.6% | -2.0% |
| 2012 | 4.2% | -10.4% |
| 2013 | 4.0% | -2.9% |
| 2014 | 4.0% | -1.2% |
| 2015 | 3.7% | -6.3% |
| 2016 | 3.7% | -2.0% |
| 2017 | 3.2% | -13.3% |
| 2018 | 2.8% | -11.4% |
| 2019 | 2.4% | -15.5% |
| 2020 | 2.3% | -4.1% |
| 2021 | 2.6% | +15.3% |
| 2022 | 2.7% | +3.6% |
| 2023 | 2.9% | +8.0% |
| 2024 | 2.8% | -3.3% |
| 2025 | 2.3% | -17.9% |
Bosnia and Herzegovina compared with similar countries
- Bosnia and Herzegovina's 2.3% is below the median for upper middle income countries, which is 5.4%, 44% of the median. (49 countries reporting)
- Bosnia and Herzegovina's 2.3% is below the median for Europe & Central Asia, which is 4.0%, 58% of the median. (27 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 5.4% | 3.5% | 8.2% | 8 |
| 2010s | 3.7% | 2.4% | 4.7% | 10 |
| 2020s | 2.6% | 2.3% | 2.9% | 6 |
Countries ranked near Bosnia and Herzegovina
More financial sector data for Bosnia and Herzegovina
- 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 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.1587 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 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.1159 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 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.1587 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 Bosnia and Herzegovina?
- Interest rate spread in Bosnia and Herzegovina was 2.3% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Bosnia and Herzegovina?
- The highest recorded value was 8.2% in 2002.
- What is the lowest interest rate spread recorded in Bosnia and Herzegovina?
- The lowest recorded value was 2.3% in 2020.
- How does Bosnia and Herzegovina rank for interest rate spread?
- Bosnia and Herzegovina ranks 120th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Bosnia and Herzegovina?
- Over the last ten years it is down 37.5%. The long-run trend across the full record is falling.
- Where does this Bosnia and Herzegovina 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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CSV · JSON — 24 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.