Interest rate spread (lending rate minus deposit rate, %)
Compare interest rate spread (lending rate minus deposit rate, %) across 65 countries using the latest fixed-year World Bank WDI observations for 2025.
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Key Insights
- •65 ISO-mapped countries or territories have a finite fixed-year observation.
- •Madagascar has the highest published value (47.9233 %).
- •Bangladesh has the lowest published value (-0.729891 %).
Country Rankings
Top 10 Countries
Bottom 10 Countries
Data Analysis
Value Distribution
How countries are distributed across the value range
Regional Comparison
Average values by world region (Global avg: 6.9%)
Percentile Profile
The curve shows how values change from the lowest to the highest country. Steep sections reveal inequality or outliers.
About This Statistic
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.
Values use one fixed 2025 reference year from World Development Indicators series FR.INR.LNDP. MapTheory excludes aggregates, missing/non-finite values, and geographies without an ISO 3166-1 numeric mapping; it does not interpolate missing countries.
Methodology
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.
Full Data
| Rank ↑ | Country ↕ | Value ↕ |
|---|---|---|
| 1 | Madagascar | 47.9% |
| 2 | Zimbabwe | 40.1% |
| 3 | Republic of The Gambia | 15.5% |
| 4 | Sierra Leone | 14.4% |
| 5 | South Sudan | 14.2% |
| 6 | Mozambique | 11.8% |
| 7 | Angola | 11.4% |
| 8 | Argentina | 11.2% |
| 9 | Timor-Leste | 10.0% |
| 10 | Ukraine | 9.7% |
| 11 | Haiti | 8.7% |
| 12 | Vanuatu | 8.1% |
| 13 | Maldives | 8.1% |
| 14 | Suriname | 7.8% |
| 15 | Guatemala | 7.7% |
| 16 | Guyana | 7.5% |
| 17 | Seychelles | 7.4% |
| 18 | Bhutan | 7.3% |
| 19 | Jamaica | 7.0% |
| 20 | Nicaragua | 6.9% |
| 21 | Samoa | 6.8% |
| 22 | Belize | 6.5% |
| 23 | Bolivia | 6.3% |
| 24 | Algeria | 6.3% |
| 25 | Mexico | 6.2% |
| 26 | Cape Verde | 6.2% |
| 27 | Honduras | 6.1% |
| 28 | Tonga | 6.1% |
| 29 | Montenegro | 6.0% |
| 30 | Azerbaijan | 6.0% |
| 31 | Grenada | 5.9% |
| 32 | Saint Vincent and the Grenadines | 5.8% |
| 33 | Armenia | 5.8% |
| 34 | Colombia | 5.4% |
| 35 | Georgia | 5.2% |
| 36 | Brunei Darussalam | 5.2% |
| 37 | Macao | 5.1% |
| 38 | Saint Lucia | 5.1% |
| 39 | Antigua and Barbuda | 5.1% |
| 40 | Hong Kong | 5.0% |
| 41 | Mauritius | 4.5% |
| 42 | Saint Kitts and Nevis | 4.4% |
| 43 | Dominica | 4.2% |
| 44 | Moldova, Republic of | 4.2% |
| 45 | Belarus | 4.2% |
| 46 | Bulgaria | 4.0% |
| 47 | Bahamas | 3.7% |
| 48 | Costa Rica | 3.4% |
| 49 | Romania | 3.3% |
| 50 | South Africa | 3.3% |
| 51 | Indonesia | 3.1% |
| 52 | Czech Republic | 3.1% |
| 53 | San Marino | 3.1% |
| 54 | Thailand | 2.8% |
| 55 | Uruguay | 2.8% |
| 56 | The Republic of North Macedonia | 2.7% |
| 57 | Norway | 2.7% |
| 58 | Jordan | 2.6% |
| 59 | Kuwait | 2.4% |
| 60 | Malaysia | 2.4% |
| 61 | Bosnia and Herzegovina | 2.3% |
| 62 | Hungary | 2.3% |
| 63 | South Korea | 1.5% |
| 64 | Qatar | 0.1% |
| 65 | Bangladesh | -0.7% |
Topics
Data Source
This data comes from World Bank World Development Indicators (2025).
View Original Source