Interest rate spread in Bulgaria
Bulgaria: Interest rate spread was 4.0% in 2025. ▼ Falling
Interest rate spread in Bulgaria, 2000–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in Bulgaria stood at 4.0%.
The figure is down 5.3% on the previous year and down 41.6% over ten years.
Over the whole period, interest rate spread in Bulgaria peaked at 8.2% in 2000 and was at its lowest, 3.7%, in 2022.
Bulgaria ranks 88th of 140 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 26 years of available data.
Interest rate spread in Bulgaria, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2000 | 8.2% | — |
| 2001 | 8.2% | -0.2% |
| 2002 | 6.4% | -21.8% |
| 2003 | 5.6% | -12.4% |
| 2004 | 5.8% | +3.8% |
| 2005 | 5.6% | -4.2% |
| 2006 | 5.7% | +2.6% |
| 2007 | 6.3% | +10.4% |
| 2008 | 6.4% | +1.6% |
| 2009 | 5.2% | -19.6% |
| 2010 | 7.1% | +37.0% |
| 2011 | 7.3% | +2.7% |
| 2012 | 6.6% | -8.7% |
| 2013 | 6.6% | +0.0% |
| 2014 | 6.6% | -0.4% |
| 2015 | 6.8% | +3.5% |
| 2016 | 6.2% | -9.0% |
| 2017 | 5.4% | -13.3% |
| 2018 | 4.9% | -8.5% |
| 2019 | 4.5% | -8.3% |
| 2020 | 4.3% | -4.4% |
| 2021 | 4.1% | -5.2% |
| 2022 | 3.7% | -9.1% |
| 2023 | 4.3% | +16.3% |
| 2024 | 4.2% | -2.8% |
| 2025 | 4.0% | -5.3% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 6.3% | 5.2% | 8.2% | 10 |
| 2010s | 6.2% | 4.5% | 7.3% | 10 |
| 2020s | 4.1% | 3.7% | 4.3% | 6 |
Countries ranked near Bulgaria
More financial sector data for Bulgaria
- Net domestic credit (current LCU), per capita 9,126 current LCU per person (2024)
- Net domestic credit (current LCU), per unit of GDP 0.5186 current LCU per US$ of GDP (2024)
- Net domestic credit (current LCU), annual growth rate 18.43 % change on previous year (2024)
- Gold reserves at 35 SDRs per ounce 48.30 million SDR (2025)
- Gold reserves at market value 4.40 billion SDR (2025)
- Reserves excluding gold, foreign exchange 28.44 billion SDR (2025)
- Reserves excluding gold 30.02 billion SDR (2025)
- Total reserves (gold at market value) 34.43 billion SDR (2025)
- Total reserves (gold at national valuation) 34.42 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 5,351 SDR per person (2025)
Frequently asked questions
- What is interest rate spread in Bulgaria?
- Interest rate spread in Bulgaria was 4.0% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Bulgaria?
- The highest recorded value was 8.2% in 2000.
- What is the lowest interest rate spread recorded in Bulgaria?
- The lowest recorded value was 3.7% in 2022.
- How does Bulgaria rank for interest rate spread?
- Bulgaria ranks 88th out of 140 countries with data for 2025.
- Is interest rate spread rising or falling in Bulgaria?
- Over the last ten years it is down 41.6%. The long-run trend across the full record is falling.
- Where does this Bulgaria 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.