Interest rate spread (lending rate minus deposit rate, %) in Kosovo
Kosovo: Interest rate spread (lending rate minus deposit rate, %) was 5.3% in 2018. ▼ Falling
Interest rate spread in Kosovo, 2004–2018
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 Kosovo is 5.3%, measured in 2018. That is the lowest value across all 15 years on record.
Compared with earlier readings it is down 7.8% on the previous year and down 49.7% over ten years.
Over the whole period, interest rate spread in Kosovo peaked at 12.0% in 2004 and was at its lowest, 5.3%, in 2018.
Kosovo ranks 66th of 141 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 15 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Kosovo, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2004 | 12.0% | — |
| 2005 | 11.5% | -3.7% |
| 2006 | 11.5% | +0.0% |
| 2007 | 11.3% | -2.4% |
| 2008 | 10.6% | -5.7% |
| 2009 | 10.1% | -5.2% |
| 2010 | 10.7% | +6.0% |
| 2011 | 10.3% | -3.6% |
| 2012 | 9.1% | -11.8% |
| 2013 | 8.4% | -7.4% |
| 2014 | 9.5% | +13.2% |
| 2015 | 7.4% | -22.0% |
| 2016 | 6.4% | -13.2% |
| 2017 | 5.8% | -9.9% |
| 2018 | 5.3% | -7.8% |
Kosovo compared with similar countries
- Kosovo's 5.3% is below the median for upper middle income countries, which is 5.4%, 100% of the median. (49 countries reporting)
- Kosovo's 5.3% is above the median for Europe & Central Asia, which is 4.0%, 1.3× the median. (27 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 11.2% | 10.1% | 12.0% | 6 |
| 2010s | 8.1% | 5.3% | 10.7% | 9 |
Countries ranked near Kosovo
More financial sector data for Kosovo
- Total reserves in months of imports, annual growth rate -3.12 % 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, per capita 0 units per person (2025)
- Net domestic credit (current LCU), annual growth rate 17.34 % change on previous year (2024)
- Net domestic credit (current LCU), per unit of GDP 0.5007 current LCU per US$ of GDP (2024)
- Net domestic credit (current LCU), per capita 3,518 current LCU per person (2024)
- Net foreign assets (current LCU), annual growth rate -3.14 % change on previous year (2024)
- Net foreign assets (current LCU), per unit of GDP 0.2147 current LCU per US$ of GDP (2024)
- Net foreign assets (current LCU), per capita 1,508 current LCU per person (2024)
- Net migration, annual growth rate 17.13 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Kosovo?
- Interest rate spread in Kosovo was 5.3% in 2018, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Kosovo?
- The highest recorded value was 12.0% in 2004.
- What is the lowest interest rate spread recorded in Kosovo?
- The lowest recorded value was 5.3% in 2018.
- How does Kosovo rank for interest rate spread?
- Kosovo ranks 66th out of 141 countries with data for 2018.
- Is interest rate spread rising or falling in Kosovo?
- Over the last ten years it is down 49.7%. The long-run trend across the full record is falling.
- Where does this Kosovo 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.