All💹 Interest rate spread
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.
1
🇲🇬Madagascar
47.9%
2
🇿🇼Zimbabwe
40.1%
3
🇨🇩DR Congo
16.2%
4
🇬🇲Gambia
15.5%
5
🇸🇹São Tomé and Príncipe
15.4%
6
🇸🇱Sierra Leone
14.4%
7
🇸🇸South Sudan
14.2%
8
🇲🇿Mozambique
11.8%
9
🇦🇴Angola
11.4%
10
🇦🇷Argentina
11.2%
11
🇹🇱Timor-Leste
10.0%
12
🇺🇦Ukraine
9.7%
13
🇱🇷Liberia
9.2%
14
🇭🇹Haiti
8.7%
15
🇻🇺Vanuatu
8.1%
16
🇲🇻Maldives
8.1%
17
🇸🇷Suriname
7.8%
18
🇬🇹Guatemala
7.7%
19
🇬🇾Guyana
7.5%
20
🇸🇨Seychelles
7.4%
21
🇧🇹Bhutan
7.3%
22
🇳🇬Nigeria
7.2%
23
🇯🇲Jamaica
7.0%
24
🇳🇮Nicaragua
6.9%
25
🇼🇸Samoa
6.8%
26
🇧🇿Belize
6.5%
27
🇧🇴Bolivia
6.3%
28
🇩🇿Algeria
6.3%
29
🇲🇽Mexico
6.2%
30
🇨🇻Cape Verde
6.2%
31
🇭🇳Honduras
6.1%
32
🇹🇴Tonga
6.1%
33
🇲🇪Montenegro
6.0%
34
🇹🇹Trinidad and Tobago
6.0%
35
🇦🇿Azerbaijan
6.0%
36
🇬🇩Grenada
5.9%
37
🇻🇨Saint Vincent and the Grenadines
5.8%
38
🇦🇲Armenia
5.8%
39
🇨🇴Colombia
5.4%
40
🇬🇪Georgia
5.3%
41
🇧🇳Brunei
5.2%
42
🇲🇴Macau
5.1%
43
🇱🇨Saint Lucia
5.1%
44
🇦🇬Antigua and Barbuda
5.1%
45
🇭🇰Hong Kong
5.0%
46
🇲🇺Mauritius
4.5%
47
🇰🇳Saint Kitts and Nevis
4.4%
48
🇩🇲Dominica
4.2%
49
🇲🇩Moldova
4.2%
50
🇧🇾Belarus
4.2%
Highlights
As of 2025, Madagascar ranks first with 47.9%, followed by Zimbabwe (40.1%) and DR Congo (16.2%).
Across 72 countries and territories, values run from 47.9% (Madagascar) to -3.9% (New Zealand), with a median of 5.9%.
By region, the top 10 is made up of 9 from Africa and 1 from the Americas.
Source: World Bank Open Data — Interest rate spread (lending rate minus deposit rate, %), 2025. Unit: %.
Source: World Bank Open Data — Interest rate spread (lending rate minus deposit rate, %) · CC BY 4.0 · fetched Oct 16, 2026