Interest rate spread (lending rate minus deposit rate, %) in Czechia
Czechia: Interest rate spread (lending rate minus deposit rate, %) was 3.1% in 2025. ▼ Falling
Interest rate spread in Czechia, 1993–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in Czechia stood at 3.1%.
That represents a change of up 15.0% on the previous year and down 18.2% over ten years.
Over the whole period, interest rate spread in Czechia peaked at 7.0% in 1993 and was at its lowest, 2.3%, in 2023.
That places Czechia 101st out of 141 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently falling across the 33 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Czechia, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1993 | 7.0% | — |
| 1994 | 6.0% | -14.1% |
| 1995 | 5.8% | -3.5% |
| 1996 | 5.8% | -1.5% |
| 1997 | 5.5% | -4.5% |
| 1998 | 4.7% | -13.9% |
| 1999 | 4.2% | -11.1% |
| 2000 | 3.7% | -11.0% |
| 2001 | 4.3% | +15.6% |
| 2002 | 4.7% | +9.3% |
| 2003 | 4.6% | -2.3% |
| 2004 | 4.7% | +2.8% |
| 2005 | 4.6% | -3.0% |
| 2006 | 4.4% | -4.2% |
| 2007 | 4.5% | +1.3% |
| 2008 | 4.6% | +3.9% |
| 2009 | 4.7% | +1.8% |
| 2010 | 4.8% | +1.7% |
| 2011 | 4.7% | -2.6% |
| 2012 | 4.4% | -6.4% |
| 2013 | 4.1% | -6.3% |
| 2014 | 3.9% | -4.0% |
| 2015 | 3.8% | -4.8% |
| 2016 | 3.5% | -5.8% |
| 2017 | 3.3% | -6.2% |
| 2018 | 3.3% | -1.5% |
| 2019 | 3.3% | +1.0% |
| 2020 | 3.0% | -7.8% |
| 2021 | 3.0% | -2.4% |
| 2022 | 2.8% | -4.8% |
| 2023 | 2.3% | -19.7% |
| 2024 | 2.7% | +17.6% |
| 2025 | 3.1% | +15.0% |
Czechia compared with similar countries
- Czechia's 3.1% is above the median for high income countries, which is 3.1%, 1.0× the median. (38 countries reporting)
- Czechia's 3.1% is below the median for Europe & Central Asia, which is 4.0%, 77% of the median. (27 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 5.6% | 4.2% | 7.0% | 7 |
| 2000s | 4.5% | 3.7% | 4.7% | 10 |
| 2010s | 3.9% | 3.3% | 4.8% | 10 |
| 2020s | 2.8% | 2.3% | 3.1% | 6 |
Countries ranked near Czechia
- 98 Romania 3.3% compare
- 99 South Africa 3.2% compare
- 100 Indonesia 3.1% compare
- 102 San Marino 3.1% compare
- 103 Philippines 3.0% compare
- 104 Aruba 3.0% compare
More financial sector data for Czechia
- Reserve position in the IMF, US dollar, annual growth rate 3.88 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 71.12 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate -1.07 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 51.93 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 3.88 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 71.12 units per person (2025)
- Reserve tranche position, SDR, annual growth rate -1.07 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Czechia?
- Interest rate spread in Czechia was 3.1% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Czechia?
- The highest recorded value was 7.0% in 1993.
- What is the lowest interest rate spread recorded in Czechia?
- The lowest recorded value was 2.3% in 2023.
- How does Czechia rank for interest rate spread?
- Czechia ranks 101st out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Czechia?
- Over the last ten years it is down 18.2%. The long-run trend across the full record is falling.
- Where does this Czechia 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.