Interest rate spread in Czechia
Czechia: Interest rate spread 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 99th out of 140 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 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% |
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
- 96 Romania 3.3% compare
- 97 South Africa 3.3% compare
- 98 Indonesia 3.1% compare
- 100 San Marino 3.1% compare
- 101 Philippines 3.0% compare
- 102 Aruba 3.0% compare
More financial sector data for Czechia
- Net domestic credit (current LCU), per capita 504,578 current LCU per person (2024)
- Net domestic credit (current LCU), per unit of GDP 15.85 current LCU per US$ of GDP (2024)
- Net domestic credit (current LCU), annual growth rate 8.16 % change on previous year (2024)
- Gold reserves at 35 SDRs per ounce 80.58 million SDR (2025)
- Gold reserves at market value 7.34 billion SDR (2025)
- Reserves excluding gold, foreign exchange 118.27 billion SDR (2025)
- Reserves excluding gold 121.41 billion SDR (2025)
- Total reserves (gold at market value) 128.75 billion SDR (2025)
- Total reserves (gold at national valuation) 128.80 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 11,831 SDR per person (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 99th out of 140 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.