Interest rate spread in Indonesia
Indonesia: Interest rate spread 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 98th of 140 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 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% |
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
- 95 Palestine, State of 3.3% compare
- 96 Romania 3.3% compare
- 97 South Africa 3.3% compare
- 99 Czechia 3.1% compare
- 100 San Marino 3.1% compare
- 101 Philippines 3.0% compare
More financial sector data for Indonesia
- Net domestic credit (current LCU), per capita 39.98 million current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 7,903 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 10.13 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 96.25 million SDR (2025)
- Gold reserves at market value 8.77 billion SDR (2025)
- Reserves excluding gold, foreign exchange 99.20 billion SDR (2025)
- Reserves excluding gold 105.53 billion SDR (2025)
- Total reserves (gold at market value) 114.31 billion SDR (2025)
- Total reserves (gold at national valuation) 114.25 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 399.86 SDR per person (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 98th out of 140 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.