Interest rate spread (lending rate minus deposit rate, %) in Indonesia
Indonesia: Interest rate spread (lending rate minus deposit rate, %) was 3.1% in 2025. ◆ Volatile
Interest rate spread in Indonesia, 1990–2025
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 Indonesia is 3.1%, measured in 2025.
That represents a change of down 8.2% on the previous year and down 28.5% over ten years.
Over the whole period, interest rate spread in Indonesia peaked at 7.7% in 2004 and was at its lowest, -6.9%, in 1998.
Indonesia ranks 100th 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 (lending rate minus deposit rate, %) in Indonesia, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1990 | 3.3% | — |
| 1991 | 2.2% | -32.7% |
| 1992 | 4.4% | +99.9% |
| 1993 | 6.0% | +36.3% |
| 1994 | 5.2% | -13.5% |
| 1995 | 2.1% | -59.2% |
| 1996 | 2.0% | -8.1% |
| 1997 | 1.8% | -8.1% |
| 1998 | -6.9% | -483.3% |
| 1999 | 1.9% | -127.8% |
| 2000 | 6.0% | +209.2% |
| 2001 | 3.1% | -48.5% |
| 2002 | 3.4% | +12.3% |
| 2003 | 6.3% | +84.3% |
| 2004 | 7.7% | +21.1% |
| 2005 | 6.0% | -22.3% |
| 2006 | 4.6% | -23.5% |
| 2007 | 5.9% | +28.8% |
| 2008 | 5.1% | -13.3% |
| 2009 | 5.2% | +2.2% |
| 2010 | 6.2% | +19.4% |
| 2011 | 5.5% | -12.2% |
| 2012 | 5.8% | +6.9% |
| 2013 | 5.4% | -7.8% |
| 2014 | 3.9% | -28.6% |
| 2015 | 4.3% | +12.3% |
| 2016 | 4.7% | +9.2% |
| 2017 | 4.6% | -3.5% |
| 2018 | 4.4% | -3.2% |
| 2019 | 3.7% | -16.6% |
| 2020 | 4.0% | +9.9% |
| 2021 | 5.3% | +30.1% |
| 2022 | 5.3% | +1.0% |
| 2023 | 4.3% | -19.2% |
| 2024 | 3.4% | -21.5% |
| 2025 | 3.1% | -8.2% |
Indonesia compared with similar countries
- Indonesia's 3.1% is below the median for upper middle income countries, which is 5.4%, 58% of the median. (49 countries reporting)
- Indonesia's 3.1% is below the median for East Asia & Pacific, which is 5.0%, 62% of the median. (25 countries reporting)
Biggest year-on-year movements
Years where Interest rate spread (lending rate minus deposit rate, %) in Indonesia changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 1998 | -483.3% | 1.8% | -6.9% |
| 2000 | +209.2% | 1.9% | 6.0% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 2.2% | -6.9% | 6.0% | 10 |
| 2000s | 5.3% | 3.1% | 7.7% | 10 |
| 2010s | 4.8% | 3.7% | 6.2% | 10 |
| 2020s | 4.2% | 3.1% | 5.3% | 6 |
Countries ranked near Indonesia
- 97 Palestine 3.3% compare
- 98 Romania 3.3% compare
- 99 South Africa 3.2% compare
- 101 Czechia 3.1% compare
- 102 San Marino 3.1% compare
- 103 Philippines 3.0% compare
More financial sector data for Indonesia
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0008 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 3.8 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0005 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 2.78 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0008 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 3.8 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Indonesia?
- Interest rate spread in Indonesia was 3.1% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Indonesia?
- The highest recorded value was 7.7% in 2004.
- What is the lowest interest rate spread recorded in Indonesia?
- The lowest recorded value was -6.9% in 1998.
- How does Indonesia rank for interest rate spread?
- Indonesia ranks 100th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Indonesia?
- Over the last ten years it is down 28.5%. The long-run trend across the full record is volatile.
- Where does this Indonesia 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.