Interest rate spread (lending rate minus deposit rate, %) in Romania
Romania: Interest rate spread (lending rate minus deposit rate, %) was 3.3% in 2025. ◆ Volatile
Interest rate spread in Romania, 1993–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in Romania stood at 3.3%.
That represents a change of up 2.1% on the previous year and down 32.5% over ten years.
Over the whole period, interest rate spread in Romania peaked at 43.9% in 1993 and was at its lowest, 2.9%, in 2023.
Romania ranks 98th 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 Romania, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1993 | 43.9% | — |
| 1994 | 33.4% | -23.9% |
| 1995 | 6.0% | -82.1% |
| 1996 | 17.9% | +198.3% |
| 1997 | 16.7% | -6.6% |
| 1998 | 18.0% | +8.1% |
| 1999 | 19.8% | +9.6% |
| 2000 | 20.7% | +4.9% |
| 2001 | 18.5% | -10.6% |
| 2002 | 16.2% | -12.6% |
| 2003 | 14.4% | -11.0% |
| 2004 | 14.1% | -2.3% |
| 2005 | 13.2% | -6.3% |
| 2006 | 9.2% | -30.1% |
| 2007 | 6.6% | -27.8% |
| 2008 | 5.5% | -17.6% |
| 2009 | 5.3% | -3.4% |
| 2010 | 6.8% | +27.8% |
| 2011 | 5.8% | -13.7% |
| 2012 | 5.8% | -0.1% |
| 2013 | 6.0% | +2.5% |
| 2014 | 5.4% | -8.8% |
| 2015 | 4.9% | -10.4% |
| 2016 | 4.6% | -5.8% |
| 2017 | 4.7% | +1.8% |
| 2018 | 5.5% | +17.7% |
| 2019 | 5.4% | -2.3% |
| 2020 | 4.6% | -15.2% |
| 2021 | 4.0% | -11.5% |
| 2022 | 3.6% | -11.5% |
| 2023 | 2.9% | -19.2% |
| 2024 | 3.2% | +11.9% |
| 2025 | 3.3% | +2.1% |
Romania compared with similar countries
- Romania's 3.3% is above the median for high income countries, which is 3.1%, 1.1× the median. (38 countries reporting)
- Romania's 3.3% is below the median for Europe & Central Asia, which is 4.0%, 83% of the median. (27 countries reporting)
Biggest year-on-year movements
Years where Interest rate spread (lending rate minus deposit rate, %) in Romania 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 |
|---|---|---|---|
| 1996 | +198.3% | 6.0% | 17.9% |
| 1995 | -82.1% | 33.4% | 6.0% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 22.2% | 6.0% | 43.9% | 7 |
| 2000s | 12.4% | 5.3% | 20.7% | 10 |
| 2010s | 5.5% | 4.6% | 6.8% | 10 |
| 2020s | 3.6% | 2.9% | 4.6% | 6 |
Countries ranked near Romania
More financial sector data for Romania
- 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 units per person (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 units per person (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 units per person (2025)
- Reserve tranche position, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, SDR, per capita 0 units per person (2025)
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 12.7 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.1232 SDR per US$ of GDP (2025)
Frequently asked questions
- What is interest rate spread in Romania?
- Interest rate spread in Romania was 3.3% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Romania?
- The highest recorded value was 43.9% in 1993.
- What is the lowest interest rate spread recorded in Romania?
- The lowest recorded value was 2.9% in 2023.
- How does Romania rank for interest rate spread?
- Romania ranks 98th out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Romania?
- Over the last ten years it is down 32.5%. The long-run trend across the full record is volatile.
- Where does this Romania 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.