Interest rate spread in Europe & Central Asia (IDA & IBRD countries)
Europe & Central Asia (IDA & IBRD countries): Interest rate spread was 4.6% in 2024. ▼ Falling
Interest rate spread in Europe & Central Asia (IDA & IBRD countries), 2000–2024
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 Europe & Central Asia (IDA & IBRD countries) is 4.6%, measured in 2024.
That represents a change of up 0.6% on the previous year and down 21.1% over ten years.
Over the whole period, interest rate spread in Europe & Central Asia (IDA & IBRD countries) peaked at 15.9% in 2000 and was at its lowest, 3.9%, in 2022.
Europe & Central Asia (IDA & IBRD countries) ranks 36th of 40 groups on this measure, in the bottom quarter.
The long-run direction has been consistently falling across the 25 years of available data.
Interest rate spread in Europe & Central Asia (IDA & IBRD countries), year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2000 | 15.9% | — |
| 2001 | 12.4% | -22.1% |
| 2002 | 9.7% | -21.7% |
| 2003 | 6.9% | -28.8% |
| 2004 | 8.6% | +25.2% |
| 2005 | 7.8% | -9.6% |
| 2006 | 7.1% | -8.8% |
| 2007 | 6.5% | -8.8% |
| 2008 | 6.4% | -0.6% |
| 2009 | 6.3% | -2.1% |
| 2010 | 6.6% | +4.4% |
| 2011 | 6.9% | +4.3% |
| 2012 | 5.8% | -15.2% |
| 2013 | 5.9% | +0.5% |
| 2014 | 5.8% | -0.9% |
| 2015 | 6.5% | +11.8% |
| 2016 | 5.7% | -11.5% |
| 2017 | 5.4% | -6.1% |
| 2018 | 5.2% | -3.9% |
| 2019 | 5.0% | -4.5% |
| 2020 | 4.4% | -12.1% |
| 2021 | 4.0% | -7.3% |
| 2022 | 3.9% | -4.4% |
| 2023 | 4.6% | +18.0% |
| 2024 | 4.6% | +0.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 8.8% | 6.3% | 15.9% | 10 |
| 2010s | 5.9% | 5.0% | 6.9% | 10 |
| 2020s | 4.3% | 3.9% | 4.6% | 5 |
Countries ranked near Europe & Central Asia (IDA & IBRD countries)
More financial sector data for Europe & Central Asia (IDA & IBRD countries)
- Net migration 674,285 (2025)
- Monetary Sector credit to private sector 48.5% (2021)
- Broad money 64.3% (2020)
- Claims on central government, etc. 4.7% (2021)
- Domestic credit to private sector 50.2% (2021)
- Total reserves in months of imports, per capita 0 units per person (2025)
- Total reserves in months of imports, annual growth rate -44.03 % change on previous year (2025)
- Total reserves in months of imports, per unit of GDP 0 units per US$ of GDP (2025)
- Total reserves in months of imports 5.95 (2025)
- Net migration, annual growth rate 133.16 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Europe & Central Asia (IDA & IBRD countries)?
- Interest rate spread in Europe & Central Asia (IDA & IBRD countries) was 4.6% in 2024, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Europe & Central Asia (IDA & IBRD countries)?
- The highest recorded value was 15.9% in 2000.
- What is the lowest interest rate spread recorded in Europe & Central Asia (IDA & IBRD countries)?
- The lowest recorded value was 3.9% in 2022.
- How does Europe & Central Asia (IDA & IBRD countries) rank for interest rate spread?
- Europe & Central Asia (IDA & IBRD countries) ranks 36th out of 40 groups with data for 2024.
- Is interest rate spread rising or falling in Europe & Central Asia (IDA & IBRD countries)?
- Over the last ten years it is down 21.1%. The long-run trend across the full record is falling.
- Where does this Europe & Central Asia (IDA & IBRD countries) 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.