Interest rate spread in IBRD only
IBRD only: Interest rate spread was 5.1% in 2024. ▼ Falling
Interest rate spread in IBRD only, 1995–2024
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
IBRD only recorded 5.1% for interest rate spread in 2024.
Compared with earlier readings it is up 3.4% on the previous year and down 10.7% over ten years.
Over the whole period, interest rate spread in IBRD only peaked at 9.3% in 1996 and was at its lowest, 4.6%, in 2021.
That places IBRD only 30th out of 40 groups with data for 2024, putting it in the middle of the range.
The long-run direction has been consistently falling across the 30 years of available data.
Interest rate spread in IBRD only, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1995 | 8.7% | — |
| 1996 | 9.3% | +7.5% |
| 1997 | 7.6% | -18.3% |
| 1998 | 8.6% | +12.5% |
| 1999 | 8.1% | -5.5% |
| 2000 | 8.3% | +3.0% |
| 2001 | 7.7% | -7.2% |
| 2002 | 7.0% | -9.2% |
| 2003 | 6.7% | -4.9% |
| 2004 | 6.5% | -3.0% |
| 2005 | 6.5% | +0.0% |
| 2006 | 6.3% | -2.1% |
| 2007 | 6.3% | -1.1% |
| 2008 | 5.9% | -6.3% |
| 2009 | 5.7% | -2.9% |
| 2010 | 5.8% | +2.0% |
| 2011 | 5.8% | +0.2% |
| 2012 | 5.8% | -0.6% |
| 2013 | 5.7% | -1.0% |
| 2014 | 5.7% | -0.0% |
| 2015 | 5.8% | +1.8% |
| 2016 | 5.7% | -1.8% |
| 2017 | 5.5% | -3.4% |
| 2018 | 5.2% | -6.6% |
| 2019 | 5.2% | +0.2% |
| 2020 | 4.7% | -9.2% |
| 2021 | 4.6% | -1.5% |
| 2022 | 4.8% | +2.5% |
| 2023 | 5.0% | +4.1% |
| 2024 | 5.1% | +3.4% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 8.5% | 7.6% | 9.3% | 5 |
| 2000s | 6.7% | 5.7% | 8.3% | 10 |
| 2010s | 5.6% | 5.2% | 5.8% | 10 |
| 2020s | 4.8% | 4.6% | 5.1% | 5 |
Countries ranked near IBRD only
More financial sector data for IBRD only
- Net migration -632,917 (2025)
- Monetary Sector credit to private sector 119.9% (2024)
- Broad money 159.7% (2024)
- Claims on central government, etc. 34.7% (2024)
- Domestic credit to private sector 122.0% (2024)
- Total reserves in months of imports, per capita 0 units per person (2025)
- Total reserves in months of imports, annual growth rate 1.85 % 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 9.69 (2025)
- Net migration, annual growth rate 20.08 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in IBRD only?
- Interest rate spread in IBRD only was 5.1% in 2024, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in IBRD only?
- The highest recorded value was 9.3% in 1996.
- What is the lowest interest rate spread recorded in IBRD only?
- The lowest recorded value was 4.6% in 2021.
- How does IBRD only rank for interest rate spread?
- IBRD only ranks 30th out of 40 groups with data for 2024.
- Is interest rate spread rising or falling in IBRD only?
- Over the last ten years it is down 10.7%. The long-run trend across the full record is falling.
- Where does this IBRD only 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.