Kosovo: Real interest rate (%)

Key figures

Over five years it is down 6.35 percentage points from 11.43% in 2013. Since 2009 it is down 12.65 percentage points from 17.73% in 2009.

What the numbers say

In 2018, Kosovo's real interest rate (%) fell 1.29 percentage points on 2017 (from 6.36% to 5.08%).

Across the 8 yearly changes before that (2010 to 2017), the average change was −1.42 percentage points and a typical year strayed about 3.93 percentage points from that (the standard deviation). This year's change was 0.0 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 2.6 percentage points in 2013 and the biggest yearly fall was 10.23 percentage points in 2010. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2009 to 2018 the straight-line trend is downward, about 0.79 percentage points a year. A straight line explains 44% 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.

Closest to Kosovo in the 2018 ranking

• Uganda — 1st of 3: 14.75%
• Chile — 3rd of 3: 2.55%

What this measures

An interest rate is the amount charged, expressed as a percentage of the principal over a period of time, by the owners of certain kinds of financial assets for putting the financial assets at the disposal of another institutional unit. The real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability. This indicator is expressed as a percentage (a÷b)*100.

All 10 values

Real interest rate (%) in nearby economies

• Albania — 4% (2024)
• Armenia — 9.86% (2025)
• Azerbaijan — 14.68% (2025)
• Belarus — 0.03% (2025)
• Bosnia and Herzegovina — 1.05% (2025)
• Bulgaria — -2.96% (2025)
• Czechia — 1.12% (2025)
• Georgia — 10.78% (2025)
• Hungary — 1.64% (2025)
• Iceland — 3.87% (2025)
• Italy — -1.29% (2023)
• Kyrgyz Republic

More financial sector data for Kosovo

• Bank liquid reserves to bank assets ratio (%) — 8.84% (2024)
• Net domestic credit (current LCU) — 5.61 billion (2024)
• Net foreign assets (current LCU) — 2.4 billion (2024)
• Broad money (current LCU) — 6.17 billion (2024)
• Consumer price index (2010 = 100) — 151.11 (2025)
• Official exchange rate (LCU per US$, period average) — US$0.89 (2025)
• Claims on central government (annual growth as % of broad money) — -1.23% (2024)
• Claims on other sectors of the domestic economy (annual growth as % of broad money) — 16.34% (2024)
• Claims on private sector (annual growth as % of broad money) — 15.85% (2024)

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Questions people ask

What is Kosovo's real interest rate (%)?

5.08% in 2018, according to the World Bank (World Development Indicators).

How has it changed since 2009?

It is down 12.65 percentage points from 17.73% in 2009. The highest value was 17.73% in 2009 and the lowest 5.08% in 2018.

Is the latest change in real interest rate (%) unusual for Kosovo?

In 2018, Kosovo's real interest rate (%) fell 1.29 percentage points on 2017 (from 6.36% to 5.08%). Across the 8 yearly changes before that (2010 to 2017), the average change was −1.42 percentage points and a typical year strayed about 3.93 percentage points from that (the standard deviation). This year's change was 0.0 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

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); World Development Indicators, World Bank (WB).

Source

World Bank, World Development Indicators, indicator FR.INR.RINR, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF); World Development Indicators, World Bank (WB) 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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