IDA total: Interest rate spread (lending rate minus deposit rate, %)

Key figures

What the numbers say

In 2021, IDA total's interest rate spread (lending rate minus deposit rate, %) fell 1.04 percentage points on 2020 (from 8.62% to 7.58%).

Across the 19 yearly changes before that (2002 to 2020), the average change was −0.02 percentage points and a typical year strayed about 0.45 percentage points from that (the standard deviation). This year's change was 2.3 standard deviations below that average, so it was unusually large compared with the rest of the record.

On record, the biggest yearly rise was 0.7 percentage points in 2009 and the biggest yearly fall was 1.16 percentage points in 2005. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2012 to 2021 the straight-line trend is upward, about 0.08 percentage points a year. A straight line explains 37% of the movement over 10 observed years.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

How it compares

See how every economy compares in the full ranking.

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 21 values

Interest rate spread (lending rate minus deposit rate, %) in nearby economies

• Algeria — 6.25% (2025)
• Bahrain — 4.17% (2015)
• Egypt, Arab Rep. — 5.13% (2024)
• Iran, Islamic Rep. — 5.2% (2016)
• Iraq — 7.44% (2015)
• Israel — 2.52% (2022)
• Jordan — 2.62% (2025)
• Kuwait — 2.41% (2025)
• Lebanon — 0.82% (2019)

More financial sector data for IDA total

• Inflation, GDP deflator (annual % growth) — 4.29% (2025)
• Domestic credit to private sector by banks (% of GDP) — 27.12% (2024)
• Monetary sector credit to private sector (% of GDP) — 27.23% (2024)
• Broad money (% of GDP) — 40.55% (2025)
• Domestic credit to private sector (% of GDP) — 27.67% (2024)
• Claims on central government, etc. (% of GDP) — 14.46% (2024)
• Inflation, consumer prices (annual % growth) — 3.39% (2025)
• Stocks traded, turnover ratio of domestic shares (%) — 13.04% (2024)
• Bank liquid reserves to bank assets ratio (%) — 20.37% (2025)

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Questions people ask

What is IDA total's interest rate spread (lending rate minus deposit rate, %)?

7.58% in 2021, according to the World Bank (World Development Indicators).

How has it changed since 2001?

It is down 1.42 percentage points from 9% in 2001. The highest value was 9.15% in 2003 and the lowest 7.08% in 2008.

Is the latest change in interest rate spread (lending rate minus deposit rate, %) unusual for IDA total?

In 2021, IDA total's interest rate spread (lending rate minus deposit rate, %) fell 1.04 percentage points on 2020 (from 8.62% to 7.58%). Across the 19 yearly changes before that (2002 to 2020), the average change was −0.02 percentage points and a typical year strayed about 0.45 percentage points from that (the standard deviation). This year's change was 2.3 standard deviations below that average, so it was unusually large compared with the rest of the record.

Where does this data come from?

The World Bank's World Development Indicators, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF).

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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