Interest rate spread in Europe & Central Asia (excluding high income)
Europe & Central Asia (excluding high income): Interest rate spread was 5.2% in 2025. ▼ Falling
Interest rate spread in Europe & Central Asia (excluding high income), 2002–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in Europe & Central Asia (excluding high income) stood at 5.2%.
Compared with earlier readings it is up 3.8% on the previous year and down 5.9% over ten years.
Over the whole period, interest rate spread in Europe & Central Asia (excluding high income) peaked at 9.0% in 2002 and was at its lowest, 4.2%, in 2022.
That places Europe & Central Asia (excluding high income) 29th out of 40 groups with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently falling across the 24 years of available data.
Interest rate spread in Europe & Central Asia (excluding high income), year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2002 | 9.0% | — |
| 2003 | 6.8% | -24.1% |
| 2004 | 8.1% | +18.1% |
| 2005 | 7.8% | -3.6% |
| 2006 | 7.1% | -8.8% |
| 2007 | 6.3% | -10.8% |
| 2008 | 6.5% | +2.8% |
| 2009 | 6.5% | -0.6% |
| 2010 | 6.1% | -5.5% |
| 2011 | 6.9% | +12.2% |
| 2012 | 5.8% | -15.7% |
| 2013 | 5.7% | -0.7% |
| 2014 | 5.8% | +0.9% |
| 2015 | 5.5% | -4.8% |
| 2016 | 5.8% | +5.5% |
| 2017 | 5.4% | -6.9% |
| 2018 | 5.3% | -3.0% |
| 2019 | 5.7% | +8.6% |
| 2020 | 4.9% | -13.8% |
| 2021 | 4.5% | -8.2% |
| 2022 | 4.2% | -8.1% |
| 2023 | 5.1% | +21.6% |
| 2024 | 5.0% | -1.0% |
| 2025 | 5.2% | +3.8% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 7.3% | 6.3% | 9.0% | 8 |
| 2010s | 5.8% | 5.3% | 6.9% | 10 |
| 2020s | 4.8% | 4.2% | 5.2% | 6 |
Countries ranked near Europe & Central Asia (excluding high income)
More financial sector data for Europe & Central Asia (excluding high income)
- Claims on central government, etc. 9.9% (2025)
- Total reserves in months of imports, per unit of GDP 0 units per US$ of GDP (2024)
- Total reserves in months of imports 5.49 (2024)
- Monetary Sector credit to private sector 33.7% (2025)
- Broad money 40.6% (2025)
- Net migration, annual growth rate 75.02 % change on previous year (2025)
- Net migration 1.29 million (2025)
- Domestic credit to private sector 42.2% (2025)
- Domestic credit to private sector by banks 33.9% (2025)
- Total reserves in months of imports, per capita 0 units per person (2024)
All data for Europe & Central Asia (excluding high income) →
Frequently asked questions
- What is interest rate spread in Europe & Central Asia (excluding high income)?
- Interest rate spread in Europe & Central Asia (excluding high income) was 5.2% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Europe & Central Asia (excluding high income)?
- The highest recorded value was 9.0% in 2002.
- What is the lowest interest rate spread recorded in Europe & Central Asia (excluding high income)?
- The lowest recorded value was 4.2% in 2022.
- How does Europe & Central Asia (excluding high income) rank for interest rate spread?
- Europe & Central Asia (excluding high income) ranks 29th out of 40 groups with data for 2025.
- Is interest rate spread rising or falling in Europe & Central Asia (excluding high income)?
- Over the last ten years it is down 5.9%. The long-run trend across the full record is falling.
- Where does this Europe & Central Asia (excluding high income) 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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CSV · JSON — 24 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.