Interest rate spread in Georgia
Georgia: Interest rate spread was 5.2% in 2025. ◆ Volatile
Interest rate spread in Georgia, 2003–2025
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 Georgia is 5.2%, measured in 2025.
The figure is up 14.4% on the previous year and up 45.2% over ten years.
Over the whole period, interest rate spread in Georgia peaked at 15.0% in 2004 and was at its lowest, 1.6%, in 2020.
Georgia ranks 69th of 141 countries on this measure, in the middle of the range.
The series is highly variable year to year, so single readings are best treated with caution.
Interest rate spread in Georgia, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2003 | 14.9% | — |
| 2004 | 15.0% | +0.6% |
| 2005 | 10.1% | -32.9% |
| 2006 | 6.9% | -31.2% |
| 2007 | 6.9% | -0.5% |
| 2008 | 6.8% | -1.3% |
| 2009 | 7.1% | +3.7% |
| 2010 | 5.8% | -18.0% |
| 2011 | 3.5% | -40.2% |
| 2012 | 4.1% | +18.7% |
| 2013 | 3.9% | -5.7% |
| 2014 | 3.5% | -9.9% |
| 2015 | 3.6% | +2.7% |
| 2016 | 2.7% | -25.0% |
| 2017 | 1.8% | -31.7% |
| 2018 | 2.3% | +24.8% |
| 2019 | 2.1% | -7.8% |
| 2020 | 1.6% | -25.2% |
| 2021 | 2.2% | +39.3% |
| 2022 | 2.0% | -8.2% |
| 2023 | 4.6% | +125.5% |
| 2024 | 4.5% | -0.2% |
| 2025 | 5.2% | +14.4% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 9.7% | 6.8% | 15.0% | 7 |
| 2010s | 3.3% | 1.8% | 5.8% | 10 |
| 2020s | 3.3% | 1.6% | 5.2% | 6 |
Countries ranked near Georgia
- 66 Kosovo 5.3% compare
- 66 Kosovo (UNSCR 1244) 5.3% compare
- 68 Iran, Islamic Republic of 5.2% compare
- 70 Brunei Darussalam 5.2% compare
- 71 Egypt 5.1% compare
- 72 Macau, China 5.1% compare
More financial sector data for Georgia
- Net domestic credit (current LCU), per capita 19,315 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 1.99 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 13.13 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 8.03 million SDR (2025)
- Gold reserves at market value 731.88 million SDR (2025)
- Reserves excluding gold, foreign exchange 3.42 billion SDR (2025)
- Reserves excluding gold 3.76 billion SDR (2025)
- Total reserves (gold at market value) 4.50 billion SDR (2025)
- Total reserves (gold at national valuation) 4.50 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 1,142 SDR per person (2025)
Frequently asked questions
- What is interest rate spread in Georgia?
- Interest rate spread in Georgia was 5.2% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Georgia?
- The highest recorded value was 15.0% in 2004.
- What is the lowest interest rate spread recorded in Georgia?
- The lowest recorded value was 1.6% in 2020.
- How does Georgia rank for interest rate spread?
- Georgia ranks 69th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Georgia?
- Over the last ten years it is up 45.2%. The long-run trend across the full record is volatile.
- Where does this Georgia 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.