Interest rate spread (lending rate minus deposit rate, %) in Democratic Republic of Congo
Democratic Republic of Congo: Interest rate spread (lending rate minus deposit rate, %) was 16.2% in 2025. ▼ Falling
Interest rate spread in Democratic Republic of Congo, 2007–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
Democratic Republic of Congo recorded 16.2% for interest rate spread in 2025.
Compared with earlier readings it is down 20.2% on the previous year and up 3.2% over ten years.
Over the whole period, interest rate spread in Democratic Republic of Congo peaked at 49.3% in 2009 and was at its lowest, 14.7%, in 2013.
Democratic Republic of Congo ranks 7th of 141 countries on this measure, in the top 10%.
The long-run direction has been consistently falling across the 19 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Democratic Republic of Congo, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2007 | 32.6% | — |
| 2008 | 35.4% | +8.4% |
| 2009 | 49.3% | +39.6% |
| 2010 | 39.7% | -19.5% |
| 2011 | 30.4% | -23.5% |
| 2012 | 20.7% | -31.8% |
| 2013 | 14.7% | -29.3% |
| 2014 | 14.7% | +0.2% |
| 2015 | 15.7% | +7.0% |
| 2016 | 15.7% | -0.3% |
| 2017 | 16.4% | +4.9% |
| 2018 | 19.9% | +21.0% |
| 2019 | 21.3% | +6.9% |
| 2020 | 19.8% | -7.1% |
| 2021 | 17.6% | -11.1% |
| 2022 | 18.2% | +3.8% |
| 2023 | 18.9% | +3.6% |
| 2024 | 20.3% | +7.5% |
| 2025 | 16.2% | -20.2% |
Democratic Republic of Congo compared with similar countries
- Democratic Republic of Congo's 16.2% is above the median for low income countries, which is 9.8%, 1.6× the median. (16 countries reporting)
- Democratic Republic of Congo's 16.2% is above the median for Sub-Saharan Africa, which is 6.2%, 2.6× the median. (37 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 39.1% | 32.6% | 49.3% | 3 |
| 2010s | 20.9% | 14.7% | 39.7% | 10 |
| 2020s | 18.5% | 16.2% | 20.3% | 6 |
Countries ranked near Democratic Republic of Congo
- 4 Laos 19.6%
- 5 Tajikistan 18.4% compare
- 6 Kyrgyzstan 18.1% compare
- 8 Gambia 15.5% compare
- 9 Sao Tome and Principe 15.4% compare
- 10 Sierra Leone 14.4% compare
More financial sector data for Democratic Republic of Congo
- Reserve position in the IMF, US dollar, annual growth rate -100 % change on previous year (1982)
- 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 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate -100 % change on previous year (1982)
- 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 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate -100 % change on previous year (1982)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0 units per person (2025)
- Reserve tranche position, SDR, annual growth rate -100 % change on previous year (1982)
Frequently asked questions
- What is interest rate spread in Democratic Republic of Congo?
- Interest rate spread in Democratic Republic of Congo was 16.2% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Democratic Republic of Congo?
- The highest recorded value was 49.3% in 2009.
- What is the lowest interest rate spread recorded in Democratic Republic of Congo?
- The lowest recorded value was 14.7% in 2013.
- How does Democratic Republic of Congo rank for interest rate spread?
- Democratic Republic of Congo ranks 7th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Democratic Republic of Congo?
- Over the last ten years it is up 3.2%. The long-run trend across the full record is falling.
- Where does this Democratic Republic of Congo 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.