Interest rate spread in Guatemala
Guatemala: Interest rate spread was 7.7% in 2025. ▼ Falling
Interest rate spread in Guatemala, 1997–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in Guatemala stood at 7.7%.
Compared with earlier readings it is up 3.9% on the previous year and down 0.2% over ten years.
Over the whole period, interest rate spread in Guatemala peaked at 12.8% in 1997 and was at its lowest, 7.5%, in 2024.
Guatemala ranks 34th of 140 countries on this measure, in the top quarter.
The long-run direction has been consistently falling across the 29 years of available data.
Interest rate spread in Guatemala, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1997 | 12.8% | — |
| 1998 | 11.1% | -13.2% |
| 1999 | 11.6% | +3.9% |
| 2000 | 10.7% | -7.3% |
| 2001 | 10.2% | -4.7% |
| 2002 | 9.9% | -2.5% |
| 2003 | 10.2% | +2.5% |
| 2004 | 9.6% | -5.6% |
| 2005 | 8.7% | -9.7% |
| 2006 | 8.3% | -4.9% |
| 2007 | 8.1% | -2.3% |
| 2008 | 8.3% | +3.0% |
| 2009 | 8.3% | -0.5% |
| 2010 | 7.9% | -4.6% |
| 2011 | 8.2% | +3.8% |
| 2012 | 8.2% | +0.1% |
| 2013 | 8.1% | -0.6% |
| 2014 | 8.3% | +1.8% |
| 2015 | 7.8% | -6.4% |
| 2016 | 7.6% | -1.7% |
| 2017 | 7.7% | +0.8% |
| 2018 | 7.8% | +0.9% |
| 2019 | 7.7% | -0.2% |
| 2020 | 7.9% | +2.1% |
| 2021 | 8.1% | +1.9% |
| 2022 | 8.0% | -0.4% |
| 2023 | 7.8% | -3.3% |
| 2024 | 7.5% | -3.8% |
| 2025 | 7.7% | +3.9% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 11.8% | 11.1% | 12.8% | 3 |
| 2000s | 9.2% | 8.1% | 10.7% | 10 |
| 2010s | 7.9% | 7.6% | 8.3% | 10 |
| 2020s | 7.8% | 7.5% | 8.1% | 6 |
Countries ranked near Guatemala
More financial sector data for Guatemala
- Net domestic credit (current LCU), per capita 25,214 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 3.82 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 13.1 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 14.65 million SDR (2025)
- Gold reserves at market value 1.34 billion SDR (2025)
- Reserves excluding gold, foreign exchange 22.00 billion SDR (2025)
- Reserves excluding gold 22.58 billion SDR (2025)
- Total reserves (gold at market value) 23.92 billion SDR (2025)
- Total reserves (gold at national valuation) 23.90 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 1,279 SDR per person (2025)
Frequently asked questions
- What is interest rate spread in Guatemala?
- Interest rate spread in Guatemala was 7.7% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Guatemala?
- The highest recorded value was 12.8% in 1997.
- What is the lowest interest rate spread recorded in Guatemala?
- The lowest recorded value was 7.5% in 2024.
- How does Guatemala rank for interest rate spread?
- Guatemala ranks 34th out of 140 countries with data for 2025.
- Is interest rate spread rising or falling in Guatemala?
- Over the last ten years it is down 0.2%. The long-run trend across the full record is falling.
- Where does this Guatemala 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.