Angola's interest rate spread (lending rate minus deposit rate, %) was 11.39% in 2025, the latest year in the World Bank's World Development Indicators. That is down 2.18 percentage points from 13.57% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 11.39% | 2025 |
| Five years earlier | 13.45% | 2020 |
| Ten years earlier | 13.57% | 2015 |
| Highest | 80.33% | 1995 |
| Lowest | 6% | 2008 |
| Average since 2016 | 11.86% | 2016–2025 |
| First recorded | 80.33% | 1995 |
What the numbers say
In 2025, Angola's interest rate spread (lending rate minus deposit rate, %) fell 0.61 percentage points on 2024 (from 12% to 11.39%).
Across the 29 yearly changes before that (1996 to 2024), the average change was −2.36 percentage points and a typical year strayed about 16.88 percentage points from that (the standard deviation). This year's change was 0.1 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
On record, the biggest yearly rise was 35.6 percentage points in 1999 and the biggest yearly fall was 62.25 percentage points in 1997. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.
From 2016 to 2025 there is no clear straight-line trend: a straight line explains 1% of the movement over 10 observed years, so the value is moving around more than it is heading anywhere.
Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.
How it compares
In 2025, Angola had the 10th highest value of the 72 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.
| Value | Year | |
|---|---|---|
| Angola | 11.39% | 2025 |
| World | 5.98% | 2019 |
| Sub-Saharan Africa | 7.11% | 2021 |
| Lower middle income | 6.55% | 2021 |
Closest to Angola in the 2025 ranking
- Sierra Leone — 6th of 72: 14.4%
- South Sudan — 7th of 72: 14.21%
- Mozambique — 8th of 72: 11.76%
- Argentina — 10th of 72: 11.16%
- Timor-Leste — 11th of 72: 9.95%
- Ukraine — 12th of 72: 9.75%
What this measures
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.
Limitations: Countries use a variety of reporting formats, sample designs, interest compounding formulas, averaging methods, and data presentations for indices and other data series on interest rates. The IMF's Monetary and Financial Statistics Manual does not provide guidelines beyond the general recommendation that such data should reflect market prices and effective (rather than nominal) interest rates and should be representative of the financial assets and markets to be covered. For more information, please see http://www.imf.org/external/pubs/ft/mfs/manual/index.htm.
Regional and income-group figures are computed by the World Bank as a median.
All 31 values
| Year | Interest rate spread (lending rate minus deposit rate, %) |
|---|---|
| 2025 | 11.39 |
| 2024 | 12 |
| 2023 | 10.04 |
| 2022 | 13.01 |
| 2021 | 12.36 |
| 2020 | 13.45 |
| 2019 | 12.88 |
| 2018 | 13.8 |
| 2017 | 9.46 |
| 2016 | 10.24 |
| 2015 |
Interest rate spread (lending rate minus deposit rate, %) in nearby economies
- Benin — 0.95% (2021)
- Botswana — 3.91% (2024)
- Burkina Faso — 0.95% (2021)
- Cabo Verde — 6.21% (2025)
- Comoros — 5.97% (2022)
- Congo, Dem. Rep. — 16.21% (2025)
- Côte d'Ivoire — -1.63% (2016)
- Eswatini — 6.97% (2024)
- Gambia, The — 15.5% (2025)
More financial sector data for Angola
- DEC alternative conversion factor (LCU per US$) — US$1,058 (2025)
- Official exchange rate (LCU per US$, period average) — US$911.99 (2025)
- GDP deflator (base year varies by country) — 766.8 (2025)
- Inflation, GDP deflator (annual % growth) — 20.49% (2025)
- Consumer price index (2010 = 100) — 1,240 (2025)
- Inflation, GDP deflator, linked series (annual % growth) — 20.49% (2025)
- GDP deflator, linked series (base year varies by country) — 766.8 (2025)
- Inflation, consumer prices (annual % growth) — 20.16% (2025)
- Domestic credit to private sector by banks (% of GDP) — 5.7% (2025)
Reading data like this
Questions people ask
- What is Angola's interest rate spread (lending rate minus deposit rate, %)?
- 11.39% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 1995?
- It is down 68.94 percentage points from 80.33% in 1995. The highest value was 80.33% in 1995 and the lowest 6% in 2008.
- How does Angola rank?
- 10th highest of 72 economies with data for 2025.
- Is the latest change in interest rate spread (lending rate minus deposit rate, %) unusual for Angola?
- In 2025, Angola's interest rate spread (lending rate minus deposit rate, %) fell 0.61 percentage points on 2024 (from 12% to 11.39%). Across the 29 yearly changes before that (1996 to 2024), the average change was −2.36 percentage points and a typical year strayed about 16.88 percentage points from that (the standard deviation). This year's change was 0.1 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
Source
World Bank, World Development Indicators, indicator FR.INR.LNDP, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF) Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.
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