Interest rate spread (lending rate minus deposit rate, %) in San Marino
San Marino: Interest rate spread (lending rate minus deposit rate, %) was 3.1% in 2025. ▼ Falling
Interest rate spread in San Marino, 2001–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in San Marino stood at 3.1%.
Compared with earlier readings it is down 4.1% on the previous year and up 5,418.9% over ten years.
Over the whole period, interest rate spread in San Marino peaked at 5.8% in 2003 and was at its lowest, 0.1%, in 2015.
San Marino ranks 102nd of 141 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 25 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in San Marino, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 2001 | 5.7% | — |
| 2002 | 5.3% | -7.5% |
| 2003 | 5.8% | +10.9% |
| 2004 | 5.7% | -2.6% |
| 2005 | 5.8% | +2.2% |
| 2006 | 4.6% | -21.3% |
| 2007 | 5.0% | +8.1% |
| 2008 | 5.7% | +14.3% |
| 2009 | 4.8% | -15.6% |
| 2010 | 4.7% | -2.2% |
| 2011 | 4.8% | +3.5% |
| 2012 | 5.2% | +8.0% |
| 2013 | 5.6% | +6.3% |
| 2014 | 4.8% | -13.8% |
| 2015 | 0.1% | -98.8% |
| 2016 | 1.1% | +1945.0% |
| 2017 | 3.0% | +164.0% |
| 2018 | 3.0% | -0.2% |
| 2019 | 3.0% | -0.9% |
| 2020 | 3.0% | -0.3% |
| 2021 | 2.9% | -1.4% |
| 2022 | 3.2% | +8.9% |
| 2023 | 3.6% | +14.2% |
| 2024 | 3.2% | -12.0% |
| 2025 | 3.1% | -4.1% |
San Marino compared with similar countries
- San Marino's 3.1% is below the median for high income countries, which is 3.1%, 100% of the median. (38 countries reporting)
- San Marino's 3.1% is below the median for Europe & Central Asia, which is 4.0%, 77% of the median. (27 countries reporting)
Biggest year-on-year movements
Years where Interest rate spread (lending rate minus deposit rate, %) in San Marino 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 |
|---|---|---|---|
| 2016 | +1945.0% | 0.1% | 1.1% |
| 2017 | +164.0% | 1.1% | 3.0% |
| 2015 | -98.8% | 4.8% | 0.1% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 5.4% | 4.6% | 5.8% | 9 |
| 2010s | 3.5% | 0.1% | 5.6% | 10 |
| 2020s | 3.2% | 2.9% | 3.6% | 6 |
Countries ranked near San Marino
More financial sector data for San Marino
- Reserve position in the IMF, US dollar, annual growth rate -100 % change on previous year (2020)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2023)
- Reserve position in the IMF, US dollar, per capita 0 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate -100 % change on previous year (2020)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2023)
- Reserve position in the IMF, SDR, per capita 0 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate -100 % change on previous year (2020)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2023)
- Reserve tranche position, US dollar, per capita 0 units per person (2025)
- Reserve tranche position, SDR, annual growth rate -100 % change on previous year (2020)
Frequently asked questions
- What is interest rate spread in San Marino?
- Interest rate spread in San Marino was 3.1% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in San Marino?
- The highest recorded value was 5.8% in 2003.
- What is the lowest interest rate spread recorded in San Marino?
- The lowest recorded value was 0.1% in 2015.
- How does San Marino rank for interest rate spread?
- San Marino ranks 102nd out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in San Marino?
- Over the last ten years it is up 5,418.9%. The long-run trend across the full record is falling.
- Where does this San Marino 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.