Interest rate spread (lending rate minus deposit rate, %) in Colombia
Colombia: Interest rate spread (lending rate minus deposit rate, %) was 5.4% in 2025. ▼ Falling
Interest rate spread in Colombia, 1986–2025
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 Colombia is 5.4%, measured in 2025. That is the lowest value across all 40 years on record.
Compared with earlier readings it is down 13.7% on the previous year and down 22.1% over ten years.
Over the whole period, interest rate spread in Colombia peaked at 10.4% in 1994 and was at its lowest, 5.4%, in 2025.
Colombia ranks 65th of 141 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 40 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Colombia, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1986 | 8.9% | — |
| 1987 | 9.7% | +9.4% |
| 1988 | 8.6% | -11.4% |
| 1989 | 8.7% | +0.9% |
| 1990 | 8.1% | -6.2% |
| 1991 | 9.2% | +13.1% |
| 1992 | 10.0% | +9.3% |
| 1993 | 9.4% | -6.0% |
| 1994 | 10.4% | +10.6% |
| 1995 | 9.7% | -6.7% |
| 1996 | 10.2% | +4.9% |
| 1997 | 9.6% | -6.2% |
| 1998 | 9.0% | -5.8% |
| 1999 | 8.1% | -10.2% |
| 2000 | 6.6% | -18.0% |
| 2001 | 8.3% | +24.8% |
| 2002 | 7.4% | -10.8% |
| 2003 | 7.4% | -0.1% |
| 2004 | 7.3% | -1.3% |
| 2005 | 7.5% | +3.6% |
| 2006 | 6.6% | -12.3% |
| 2007 | 7.4% | +11.3% |
| 2008 | 7.4% | +0.9% |
| 2009 | 6.9% | -7.7% |
| 2010 | 5.7% | -16.7% |
| 2011 | 7.0% | +21.6% |
| 2012 | 7.2% | +3.9% |
| 2013 | 6.8% | -5.7% |
| 2014 | 6.8% | -0.6% |
| 2015 | 6.9% | +1.4% |
| 2016 | 7.9% | +14.4% |
| 2017 | 7.7% | -2.1% |
| 2018 | 7.4% | -3.8% |
| 2019 | 7.3% | -1.8% |
| 2020 | 6.5% | -11.0% |
| 2021 | 7.3% | +12.2% |
| 2022 | 7.3% | +0.6% |
| 2023 | 7.8% | +7.0% |
| 2024 | 6.2% | -20.7% |
| 2025 | 5.4% | -13.7% |
Colombia compared with similar countries
- Colombia's 5.4% is above the median for upper middle income countries, which is 5.4%, 1.0× the median. (49 countries reporting)
- Colombia's 5.4% is below the median for Latin America & Caribbean, which is 6.1%, 87% of the median. (31 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 9.0% | 8.6% | 9.7% | 4 |
| 1990s | 9.4% | 8.1% | 10.4% | 10 |
| 2000s | 7.3% | 6.6% | 8.3% | 10 |
| 2010s | 7.1% | 5.7% | 7.9% | 10 |
| 2020s | 6.7% | 5.4% | 7.8% | 6 |
Countries ranked near Colombia
More financial sector data for Colombia
- 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 0.0015 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 12.68 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 0.0011 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 9.26 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 0.0015 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 12.68 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 Colombia?
- Interest rate spread in Colombia was 5.4% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Colombia?
- The highest recorded value was 10.4% in 1994.
- What is the lowest interest rate spread recorded in Colombia?
- The lowest recorded value was 5.4% in 2025.
- How does Colombia rank for interest rate spread?
- Colombia ranks 65th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Colombia?
- Over the last ten years it is down 22.1%. The long-run trend across the full record is falling.
- Where does this Colombia 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.