Banking spreads (lending rate minus deposit rate)

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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.
Source: The World Bank: World Development Indicators    # of Reporting Countries: 209
Frequency: Annual    Earliest: 1960-12     Latest: 2016-12

2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12
1) Albania
6.4
6.57
5.45
5.66
6.74
7.33
8.82
2) Algeria
6.25
6.25
6.25
6.25
6.25
6.25
6.25
3) Angola
9.78
12.4
13
12.6
12.8
13.5
10.1
4) Antigua and Barbuda
7.62
7.53
6.99
6.9
7.17
7.36
7.64
5) Arab World
5.33
5.31
5
4.74
4.79
4.84
6) Argentina
1.39
3.4
2.03
2.29
3.59
3.74
6.95
7) Armenia
10.2
8.5
7.66
5.83
5.98
3.44
5.74
8) Aruba
8.07
7.98
7.64
7.09
6.05
6.3
6.1
9) Australia
3.06
3.4
3.05
2.92
3.04
3.27
3.27
10) Azerbaijan
9.06
8.11
8.13
8.31
8.68
8.53
8.64
11) Bahamas
2.05
2.42
2.73
3.07
3.33
3.34
3.5
12) Bahrain
6.02
5.76
4.95
4.87
4.88
4.16
13) Bangladesh
5
4.48
3.72
1.87
3.14
3.46
4.21
14) Barbados
6.03
6.02
6.13
6.18
5.87
6.73
7.7
15) Belarus
0.13
0.27
-2.8
-1.12
0.16
16) Belize
6.12
6.92
8.02
7.98
7.92
7.71
7.54
17) Benin
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
18) Bhutan
9.5
9.5
9
10.1
10.1
10.1
10.1
19) Bolivia
8.86
9.51
9.5
9.31
6.74
6.65
6.5
20) Bosnia Herzegovina
4.72
4.63
4.15
4.02
3.97
3.72
3.65
21) Botswana
5.86
5.85
7.39
7.07
6.46
5.44
5.17
22) Brazil
31.1
32.8
28.7
19.5
21.9
31.3
39.6
23) Brunei
5.02
5.1
5.26
5.21
5.2
5.16
5.16
24) Bulgaria
7.06
7.26
6.63
6.63
6.62
6.84
6.23
25) Burkina Faso
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
26) Canada
2.4
2.52
2.51
2.45
2.45
2.7
2.6
27) Cape Verde
7.92
6.45
6.11
6.34
7.41
7.53
6.97
28) Caribbean small states
6.31
6.46
6.44
6.18
6.19
6.73
7.22
29) Central Europe and the Baltics
6.7
5.83
5.15
5.79
30) Chile
3
3.74
4.26
4.09
4.17
1.9
1.77
31) China
3.06
3.06
3
3
2.85
2.85
2.85
32) Colombia
5.71
6.95
7.22
6.81
6.77
6.87
7.86
33) Comoros
8.75
8.75
8.75
8.75
8.75
8.75
8.75
34) Costa Rica
11.7
12.1
13.4
11.3
11.5
11.8
10.4
35) Croatia
8.61
7.98
7.59
7.72
36) Czech Republic
4.8
4.67
4.38
4.1
3.94
3.75
3.53
37) DR Congo
39.7
30.3
20.7
14.6
14.6
15.7
15.6
38) Djibouti
9.92
10.4
8.9
10.5
10.8
10.5
9.6
39) Dominica
6.19
5.63
5.94
6.02
6.06
6.21
6.37
40) Dominican Republic
7.28
7.67
7.98
7.57
7.17
8.31
7.9
41) East Asia & Pacific (all income levels)
5
5
5
42) East Asia & Pacific (developing only)
6.24
5.24
5.42
43) Egypt
4.77
4.29
4.35
4.6
4.79
4.71
5.74
44) Estonia
6.65
4.84
5.07
4.94
4.25
3.97
3.84
45) Europe & Central Asia (developing only)
6.58
7.06
6.06
46) Fiji
2.07
3.71
4.54
4.03
3.9
3.27
3.02
47) Fragile and conflict affected situations
8.28
8.48
8.48
8.03
8.16
7.87
7.72
48) Gambia
12.3
16.2
16.5
14.5
11.9
49) Georgia
5.78
3.45
4.1
3.86
3.48
3.57
2.68
50) Grenada
7.49
7.57
6.86
6.62
6.78
7.13
7.09
51) Guatemala
7.88
8.18
8.19
8.14
8.29
7.76
7.62
52) Guinea Bissau
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
53) Guyana
12.2
12.5
12.3
12.3
11.7
11.7
11.8
54) Haiti
16.7
11.3
8.48
8.03
8.15
8.63
7.59
55) Heavily indebted poor countries (HIPC)
9.02
8.76
8.75
8.39
8.45
8.63
8.17
56) Honduras
9.05
10.3
9.51
8.43
9.78
10.9
10.6
57) Hong Kong
4.99
4.99
4.99
4.99
4.99
4.99
58) Hungary
2.66
2.13
3.7
3.84
3.02
2.03
1.9
59) Indonesia
6.23
5.47
5.84
5.39
3.85
4.32
4.72
60) Iran
0.06
-0.16
-3.81
-3.76
-2.94
-2.09
5.2
61) Iraq
8.28
8.21
7.99
7.82
7.44
7.43
62) Israel
3.4
3.43
3.3
3.11
3.02
2.99
2.95
63) Ivory Coast
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
64) Jamaica
14
15.2
13.8
14
12.6
13
12.9
65) Japan
1.09
1.03
0.93
0.76
0.8
0.74
0.74
66) Jordan
5.49
5.31
5
4.16
4.47
4.97
5.08
67) Kenya
9.81
9.41
8.15
8.67
8.14
6.89
7.87
68) Kosovo
10.5
9.68
8.52
8.5
8.18
6.54
5.97
69) Kuwait
3.08
3.03
2.94
2.54
2.24
2.39
2.85
70) Kyrgyzstan
21.1
23
21.3
19.4
19.6
21.5
19.9
71) Laos
19.6
72) Latin America & Caribbean (all income levels)
7.29
6.96
7
73) Latin America & Caribbean (developing only)
7.89
8.19
8.19
74) Latvia
7.69
5.88
5.15
5.79
75) Least developed countries: UN classification
9
8.75
8.48
8.19
8.75
8.69
8.75
76) Lebanon
2.13
1.64
1.47
1.52
1.36
1.11
2.42
77) Lesotho
7.53
7.73
7.26
7.07
7.61
8.25
10.4
78) Liberia
10.7
10.7
10
9.61
9.34
9.55
9.74
79) Libya
3.5
3.5
3.5
3.5
3.5
80) Lithuania
4.27
81) Low & middle income
6.36
6.55
6.45
6.5
6.47
6.58
6.46
82) Low income
7.92
8.33
7.46
8.19
8.45
8.63
8.11
83) Lower middle income
8.45
8.11
7.05
6.83
6.72
6.71
6.5
84) Macau
5.23
5.2
5.2
5.2
5.2
5.21
85) Macedonia
2.41
2.95
3.4
3.62
3.75
4.19
4.11
86) Madagascar
38.5
41.85
49.5
49.2
47.6
45
45
87) Malawi
21
19.6
21.2
27.6
31.1
32.7
32.5
88) Malaysia
2.49
2
1.8
1.64
1.53
1.45
1.51
89) Maldives
6.32
6.02
6.75
7.33
7.27
6.98
6.98
90) Mali
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
91) Mauritania
9
9
11.1
92) Mauritius
0.53
1.8
2.43
1.68
1.71
2.41
3.34
93) Mexico
4.07
3.96
3.64
2.91
2.71
2.83
3.43
94) Micronesia
14.2
13.7
13.9
14.2
15.2
15.3
15.3
95) Middle East & North Africa (all income levels)
4.37
4.02
4.04
96) Middle East & North Africa (developing only)
5.14
5.32
5.01
97) Middle income
6.31
6.5
6.44
6.42
6.35
6.58
6.37
98) Moldova
8.69
6.86
5.78
5.06
5.29
2.17
3.55
99) Mongolia
8.2
6.13
6.84
6.43
6.71
6.58
6.46
100) Montenegro
5.83
6.55
6.29
6.47
7.27
7.47
6.9
101) Mozambique
6.57
6.11
5.38
6.52
6.21
6.33
10.4
102) Myanmar
5
5
5
5
5
5
5
103) Namibia
4.72
4.44
4.44
4.31
4.45
4.61
4.22
104) Nepal
4.37
105) Netherlands
-0.6
-0.61
-1.11
106) New Zealand
1.67
1.83
1.71
1.7
1.79
2.03
1.78
107) Nicaragua
10.3
8.69
10.9
13.9
12.4
11
10.3
108) Niger
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
109) Nigeria
11
10.3
8.38
8.77
7.2
7.7
9.37
110) North America
2.67
2.73
2.74
111) Oman
3.46
3.39
3.02
3.02
3.06
2.82
1.89
112) Other small states
6.32
6.15
6.52
6.77
7.27
6.98
6.97
113) Pacific island small states
7.76
7.56
7.29
7.12
6.55
6.12
5.76
114) Pakistan
5.89
6.19
5.54
4.81
4.46
4.18
3.92
115) Panama
4.69
4.58
4.51
4.47
4.67
5.32
5.4
116) Papua New Guinea
9.06
9.88
10.3
9.8
9.04
8.3
7.72
117) Paraguay
24.8
13.3
13.2
15
16.8
16.2
14.3
118) Peru
17.4
16.3
16.7
15.8
13.4
13.8
13.8
119) Philippines
4.45
3.27
2.52
4.1
4.29
3.98
4.04
120) Qatar
4.37
3.73
3.71
3.69
3.61
2.82
1.59
121) Romania
6.75
5.83
5.82
5.97
5.44
4.87
4.59
122) Russia
4.8
4.01
3.56
3.87
5.1
6.52
5.62
123) Rwanda
9.84
8.77
6.45
8.35
9.9
9.44
124) Saint Lucia
7.29
6.5
6.44
6.14
6.19
6.58
6.6
125) Samoa
8.01
7.67
7.39
7.32
6.99
7.02
6.73
126) San Marino
4.67
4.83
127) Sao Tome and Principe
17.7
14.5
13.2
13.9
14.2
16.4
15.4
128) Senegal
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
129) Serbia
5.97
7.41
7.63
9.15
8
130) Seychelles
9.84
9.1
8.89
8.85
9.31
9.19
8.86
131) Sierra Leone
11.7
10.6
10.6
11.6
12.8
14.2
13.8
132) Singapore
5.17
5.21
5.24
5.24
5.2
5.18
5.16
133) Small states
6.49
6.46
6.53
6.62
6.5
6.87
6.98
134) Solomon Islands
11.1
11.1
10.4
10.4
10.6
10.1
9.39
135) South Africa
3.36
3.32
3.31
3.34
3.32
3.26
3.28
136) South Asia
5.45
6.02
5.54
4.81
4.46
4.18
4.21
137) South Korea
1.65
1.6
1.69
1.75
1.72
1.72
1.81
138) South Sudan
13.5
12.7
11.3
12.4
8.64
139) Sri Lanka
3.04
3.24
4.19
0.59
0.15
1.2
3.56
140) St Kitts Nevis
4.02
4.97
4.45
5.04
6.09
6.57
6.73
141) St Vincent Grenadines
6.31
6.14
6.53
6.7
6.5
7.18
7.22
142) Sub-Saharan Africa (all income levels)
9.79
9.05
8.57
143) Sub-Saharan Africa (developing only)
9.68
9
8.39
144) Suriname
5.42
5.37
4.95
4.89
4.93
5.08
5.4
145) Swaziland
5.89
6.15
6.28
6.42
6.48
6.77
7.31
146) Switzerland
2.65
2.68
2.65
2.65
2.67
2.86
2.85
147) Syria
3.68
148) Tajikistan
14.7
14.2
13.4
17.7
19
21.6
149) Tanzania
7.92
8.18
6.01
5.89
6.43
6.2
5.46
150) Thailand
4.92
4.64
4.3
4.08
4.81
5.15
151) Timor Leste
10.2
10.1
11.3
11.5
12
12.7
13.4
152) Togo
-3.04
-2.73
-3.16
-1.58
-1.91
-1.85
-1.51
153) Tonga
7.5
7.45
7.2
6.93
6.11
5.23
4.78
154) Trinidad and Tobago
7.77
6.46
6.2
6
6
6.68
7.5
155) Uganda
12.4
8.48
9.35
11.1
10.7
9.83
10.6
156) Ukraine
5.31
8.04
5.43
5.87
5.61
8.81
7.75
157) United States
2.93
2.94
2.96
158) Upper middle income
5.97
6.02
6.25
6.14
6.15
6.25
6.24
159) Uruguay
6.16
5.22
6.74
7.78
10.6
10.2
10.6
160) Vanuatu
3.91
4
4.73
3.75
3.58
2.2
1.78
161) Venezuela
3.54
2.56
1.87
1.39
2.53
4.5
5.69
162) Vietnam
1.94
2.96
2.96
3.23
2.9
2.37
1.92
163) West Bank and Gaza
5.9
6.3
6.5
6.9
5.6
5.9
5.5
164) World
5.99
6.02
5.83
5.98
5.99
6.21
5.74
165) Yemen
5.16
5
5
6.83
166) Zambia
13.5
11.8
5.14
3.02
3.69
4.25
4.71
CSV