Interest rate spread in Upper middle income
Upper middle income: Interest rate spread was 5.8% in 2025. ▼ Falling
Interest rate spread in Upper middle income, 1997–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in Upper middle income stood at 5.8%.
The figure is up 6.1% on the previous year and down 6.4% over ten years.
Over the whole period, interest rate spread in Upper middle income peaked at 8.3% in 2000 and was at its lowest, 5.2%, in 2023.
Upper middle income ranks 26th of 40 groups on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 29 years of available data.
Interest rate spread in Upper middle income, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1997 | 7.1% | — |
| 1998 | 7.7% | +7.8% |
| 1999 | 8.0% | +4.6% |
| 2000 | 8.3% | +3.4% |
| 2001 | 7.3% | -12.1% |
| 2002 | 7.2% | -1.1% |
| 2003 | 6.8% | -5.6% |
| 2004 | 6.5% | -4.1% |
| 2005 | 6.8% | +4.5% |
| 2006 | 6.8% | -0.1% |
| 2007 | 6.3% | -7.3% |
| 2008 | 6.2% | -1.5% |
| 2009 | 6.2% | +0.5% |
| 2010 | 6.0% | -4.1% |
| 2011 | 6.1% | +2.4% |
| 2012 | 6.0% | -1.7% |
| 2013 | 5.9% | -1.3% |
| 2014 | 6.0% | +1.2% |
| 2015 | 6.2% | +3.3% |
| 2016 | 6.1% | -2.3% |
| 2017 | 5.8% | -4.6% |
| 2018 | 5.3% | -9.0% |
| 2019 | 5.8% | +9.5% |
| 2020 | 5.6% | -2.5% |
| 2021 | 5.5% | -3.0% |
| 2022 | 5.3% | -2.1% |
| 2023 | 5.2% | -2.4% |
| 2024 | 5.5% | +5.0% |
| 2025 | 5.8% | +6.1% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 7.6% | 7.1% | 8.0% | 3 |
| 2000s | 6.9% | 6.2% | 8.3% | 10 |
| 2010s | 5.9% | 5.3% | 6.2% | 10 |
| 2020s | 5.5% | 5.2% | 5.8% | 6 |
Countries ranked near Upper middle income
More financial sector data for Upper middle income
- Net migration 576,949 (2025)
- Domestic credit to private sector by banks 136.8% (2024)
- Total reserves in months of imports 10.37 (2025)
- Monetary Sector credit to private sector 136.9% (2024)
- Broad money 167.9% (2024)
- Claims on central government, etc. 37.8% (2024)
- Total reserves in months of imports, per capita 0 units per person (2025)
- Total reserves in months of imports, annual growth rate 10.98 % change on previous year (2025)
- Total reserves in months of imports, per unit of GDP 0 units per US$ of GDP (2025)
- Domestic credit to private sector 139.0% (2024)
Frequently asked questions
- What is interest rate spread in Upper middle income?
- Interest rate spread in Upper middle income was 5.8% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Upper middle income?
- The highest recorded value was 8.3% in 2000.
- What is the lowest interest rate spread recorded in Upper middle income?
- The lowest recorded value was 5.2% in 2023.
- How does Upper middle income rank for interest rate spread?
- Upper middle income ranks 26th out of 40 groups with data for 2025.
- Is interest rate spread rising or falling in Upper middle income?
- Over the last ten years it is down 6.4%. The long-run trend across the full record is falling.
- Where does this Upper middle income 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.