St. Lucia's interest rate spread (lending rate minus deposit rate, %) was 5.07% in 2025, the latest year in the World Bank's World Development Indicators. That is down 1.51 percentage points from 6.58% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 5.07% | 2025 |
| Five years earlier | 5.6% | 2020 |
| Ten years earlier | 6.58% | 2015 |
| Highest | 10.26% | 1986 |
| Lowest | 5.07% | 2025 |
| Average since 2016 | 5.76% | 2016–2025 |
| First recorded | 9.21% | 1981 |
What the numbers say
In 2025, St. Lucia's interest rate spread (lending rate minus deposit rate, %) fell 0.01 percentage points on 2024 (from 5.08% to 5.07%).
Across the 30 yearly changes before that (1995 to 2024), the average change was −0.07 percentage points and a typical year strayed about 0.63 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 1.43 percentage points in 1999 and the biggest yearly fall was 1.51 percentage points in 2004. 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 the straight-line trend is downward, about 0.21 percentage points a year. A straight line explains 91% 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
In 2025, St. Lucia had the 43rd 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 | |
|---|---|---|
| St. Lucia | 5.07% | 2025 |
| World | 5.98% | 2019 |
| Latin America & Caribbean | 6.07% | 2025 |
| Upper middle income | 5.82% | 2025 |
Closest to St. Lucia in the 2025 ranking
- Georgia — 40th of 72: 5.32%
- Brunei Darussalam — 41st of 72: 5.19%
- Macao SAR, China — 42nd of 72: 5.13%
- Antigua and Barbuda — 44th of 72: 5.06%
- Hong Kong SAR, China — 45th of 72: 4.98%
- Mauritius — 46th of 72: 4.46%
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 45 values
| Year | Interest rate spread (lending rate minus deposit rate, %) |
|---|---|
| 2025 | 5.07 |
| 2024 | 5.08 |
| 2023 | 5.17 |
| 2022 | 5.31 |
| 2021 | 5.36 |
| 2020 | 5.6 |
| 2019 | 6.22 |
| 2018 | 6.54 |
| 2017 | 6.68 |
| 2016 | 6.61 |
| 2015 |
Interest rate spread (lending rate minus deposit rate, %) in nearby economies
- Antigua and Barbuda — 5.06% (2025)
- Argentina — 11.16% (2025)
- Aruba — 3% (2023)
- Bahamas, The — 3.66% (2025)
- Barbados — 7.91% (2022)
- Belize — 6.5% (2025)
- Bolivia — 6.27% (2025)
- Brazil — 32.52% (2024)
- Chile — 1.48% (2018)
More financial sector data for St. Lucia
- DEC alternative conversion factor (LCU per US$) — US$2.7 (2025)
- Official exchange rate (LCU per US$, period average) — US$2.7 (2025)
- Consumer price index (2010 = 100) — 128.51 (2025)
- Inflation, consumer prices (annual % growth) — 2.03% (2025)
- Net domestic credit (current LCU) — 2.95 billion (2025)
- Net foreign assets (current LCU) — 3.04 billion (2025)
- Broad money (current LCU) — 4.78 billion (2025)
- Broad money to total reserves ratio — 3.96 (2025)
- Claims on central government (annual growth as % of broad money) — -0.37% (2025)
- Claims on private sector (annual growth as % of broad money)
Reading data like this
Questions people ask
- What is St. Lucia's interest rate spread (lending rate minus deposit rate, %)?
- 5.07% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 1981?
- It is down 4.14 percentage points from 9.21% in 1981. The highest value was 10.26% in 1986 and the lowest 5.07% in 2025.
- How does St. Lucia rank?
- 43rd highest of 72 economies with data for 2025.
- Is the latest change in interest rate spread (lending rate minus deposit rate, %) unusual for St. Lucia?
- In 2025, St. Lucia's interest rate spread (lending rate minus deposit rate, %) fell 0.01 percentage points on 2024 (from 5.08% to 5.07%). Across the 30 yearly changes before that (1995 to 2024), the average change was −0.07 percentage points and a typical year strayed about 0.63 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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