Interest rate spread (lending rate minus deposit rate, %) in Nicaragua
Nicaragua: Interest rate spread (lending rate minus deposit rate, %) was 6.9% in 2025. ◆ Volatile
Interest rate spread in Nicaragua, 1988–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
Nicaragua recorded 6.9% for interest rate spread in 2025.
That represents a change of down 23.3% on the previous year and down 37.4% over ten years.
Over the whole period, interest rate spread in Nicaragua peaked at 14.0% in 2013 and was at its lowest, -30,827.4%, in 1988.
That places Nicaragua 43rd out of 141 countries with data for 2025, putting it 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 Nicaragua, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1988 | -30,827.4% | — |
| 1989 | -1,472.1% | -95.2% |
| 1990 | 6.5% | -100.4% |
| 1991 | 0.5% | -91.9% |
| 1992 | 1.2% | +129.2% |
| 1993 | 2.4% | +102.3% |
| 1994 | 2.3% | -7.2% |
| 1995 | 2.7% | +20.6% |
| 1996 | 1.9% | -28.7% |
| 1997 | 2.1% | +8.9% |
| 1998 | 4.6% | +118.1% |
| 1999 | 5.7% | +24.8% |
| 2000 | 7.3% | +27.8% |
| 2001 | 7.0% | -4.8% |
| 2002 | 10.5% | +50.2% |
| 2003 | 10.0% | -4.8% |
| 2004 | 8.8% | -12.2% |
| 2005 | 8.1% | -8.0% |
| 2006 | 6.7% | -16.9% |
| 2007 | 7.0% | +3.8% |
| 2008 | 6.6% | -5.3% |
| 2009 | 8.0% | +21.8% |
| 2010 | 10.3% | +28.5% |
| 2011 | 8.7% | -15.9% |
| 2012 | 11.0% | +26.6% |
| 2013 | 14.0% | +27.1% |
| 2014 | 12.5% | -10.6% |
| 2015 | 11.0% | -11.9% |
| 2016 | 10.3% | -6.1% |
| 2017 | 9.5% | -7.8% |
| 2018 | 9.6% | +0.6% |
| 2019 | 9.4% | -2.0% |
| 2020 | 9.0% | -3.8% |
| 2021 | 8.1% | -10.0% |
| 2022 | 8.1% | -0.8% |
| 2023 | 7.4% | -8.7% |
| 2024 | 9.0% | +22.1% |
| 2025 | 6.9% | -23.3% |
Nicaragua compared with similar countries
- Nicaragua's 6.9% is above the median for lower middle income countries, which is 6.3%, 1.1× the median. (37 countries reporting)
- Nicaragua's 6.9% is above the median for Latin America & Caribbean, which is 6.1%, 1.1× the median. (31 countries reporting)
Biggest year-on-year movements
Years where Interest rate spread (lending rate minus deposit rate, %) in Nicaragua 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 |
|---|---|---|---|
| 1992 | +129.2% | 0.5% | 1.2% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | -16,149.7% | -30,827.4% | -1,472.1% | 2 |
| 1990s | 3.0% | 0.5% | 6.5% | 10 |
| 2000s | 8.0% | 6.6% | 10.5% | 10 |
| 2010s | 10.6% | 8.7% | 14.0% | 10 |
| 2020s | 8.1% | 6.9% | 9.0% | 6 |
Countries ranked near Nicaragua
More financial sector data for Nicaragua
- 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 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 6.35 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 0.0015 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 4.64 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 0.002 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 6.35 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 Nicaragua?
- Interest rate spread in Nicaragua was 6.9% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Nicaragua?
- The highest recorded value was 14.0% in 2013.
- What is the lowest interest rate spread recorded in Nicaragua?
- The lowest recorded value was -30,827.4% in 1988.
- How does Nicaragua rank for interest rate spread?
- Nicaragua ranks 43rd out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Nicaragua?
- Over the last ten years it is down 37.4%. The long-run trend across the full record is volatile.
- Where does this Nicaragua 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.