Interest rate spread (lending rate minus deposit rate, %) in Moldova
Moldova: Interest rate spread (lending rate minus deposit rate, %) was 4.2% in 2025. ▼ Falling
Interest rate spread in Moldova, 1995–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
Moldova recorded 4.2% for interest rate spread in 2025.
The figure is down 24.1% on the previous year and up 94.1% over ten years.
Over the whole period, interest rate spread in Moldova peaked at 14.3% in 1995 and was at its lowest, 2.2%, in 2015.
Moldova ranks 86th of 141 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 31 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Moldova, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1995 | 14.3% | — |
| 1996 | 11.2% | -21.2% |
| 1997 | 9.9% | -12.3% |
| 1998 | 9.2% | -7.2% |
| 1999 | 8.0% | -12.6% |
| 2000 | 8.9% | +11.5% |
| 2001 | 7.8% | -12.9% |
| 2002 | 9.3% | +20.1% |
| 2003 | 6.7% | -27.7% |
| 2004 | 5.8% | -13.6% |
| 2005 | 6.0% | +3.8% |
| 2006 | 6.2% | +3.3% |
| 2007 | 3.8% | -38.9% |
| 2008 | 3.1% | -18.0% |
| 2009 | 5.6% | +79.0% |
| 2010 | 8.7% | +55.1% |
| 2011 | 6.9% | -21.0% |
| 2012 | 5.8% | -15.7% |
| 2013 | 5.1% | -12.4% |
| 2014 | 5.3% | +4.5% |
| 2015 | 2.2% | -58.9% |
| 2016 | 3.6% | +63.0% |
| 2017 | 4.6% | +29.3% |
| 2018 | 4.4% | -5.1% |
| 2019 | 3.6% | -16.3% |
| 2020 | 4.4% | +19.3% |
| 2021 | 3.9% | -9.4% |
| 2022 | 2.5% | -37.1% |
| 2023 | 5.4% | +116.3% |
| 2024 | 5.6% | +3.8% |
| 2025 | 4.2% | -24.1% |
Moldova compared with similar countries
- Moldova's 4.2% is below the median for upper middle income countries, which is 5.4%, 79% of the median. (49 countries reporting)
- Moldova's 4.2% is above the median for Europe & Central Asia, which is 4.0%, 1.1× the median. (27 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 10.5% | 8.0% | 14.3% | 5 |
| 2000s | 6.3% | 3.1% | 9.3% | 10 |
| 2010s | 5.0% | 2.2% | 8.7% | 10 |
| 2020s | 4.3% | 2.5% | 5.6% | 6 |
Countries ranked near Moldova
More financial sector data for Moldova
- 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 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0029 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 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0021 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 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0029 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 Moldova?
- Interest rate spread in Moldova was 4.2% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Moldova?
- The highest recorded value was 14.3% in 1995.
- What is the lowest interest rate spread recorded in Moldova?
- The lowest recorded value was 2.2% in 2015.
- How does Moldova rank for interest rate spread?
- Moldova ranks 86th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Moldova?
- Over the last ten years it is up 94.1%. The long-run trend across the full record is falling.
- Where does this Moldova 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.
Download this data
CSV · JSON — 31 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.