Albania Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
Albania's interest rate spread was 4.48% in 2025, ranked 58th globally. This represents a 2.1% decrease from 2024. Data from World Bank, covering 1992–2025.
Overview
Albania's interest rate spread stood at 4.48% in 2025, a decline of +0.10pp from 2024. Based on recent trends, this figure is projected to reach 4.48% by 2025. Albania ranked 58th globally.
Albania's interest rate spread has fluctuated significantly over the past 33 years, with a peak of 13.80% in 2000 and a trough of 2.08% in 1992. As of 2025, the interest rate spread stands at 4.48%, ranking 58th globally, closely aligned with that of Azerbaijan at 4.48% and slightly lower than Kenya's 4.65%. This current value reflects a relatively stable monetary environment compared to the tumultuous early 2000s. The spread has remained relatively contained in recent years, suggesting a managed financial system. With peer countries like the Russian Federation having a slightly lower spread at 4.44%, Albania's financial landscape is closely intertwined with regional trends. Looking ahead, the trajectory of Albania's interest rate spread is likely to be influenced by global economic shifts and domestic monetary policy adjustments, which could alter the current stable trend.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 3.93% | - | - |
| 2026* trend | 4.20% | - | - |
| 2025* trend | 4.48% | - | - |
| 2025 | 4.48% | −0.10pp | #58 |
| 2024 | 4.58% | −0.43pp | #29 |
| 2023 | 5.00% | −0.77pp | #36 |
| 2022 | 5.78% | +0.23pp | #51 |
| 2021 | 5.54% | −0.16pp | #56 |
| 2020 | 5.71% | −0.08pp | #56 |
| 2019 | 5.78% | +0.60pp | #55 |
| 2018 | 5.18% | −0.27pp | #50 |
| 2017 | 5.45% | −0.45pp | #62 |
| 2016 | 5.90% | −0.58pp | #64 |
| 2015 | 6.48% | +0.43pp | #68 |
| 2014 | 6.06% | +0.40pp | #67 |
| 2013 | 5.66% | +0.21pp | #62 |
| 2012 | 5.46% | −1.11pp | #58 |
| 2011 | 6.57% | +0.17pp | #73 |
Detected Pattern
Analysis
Albania matched the Orthodox Tightening Cycle pattern in 1997. Historically, 57% of countries showing this pattern (177 out of 311) saw interest rate spread improve within 24 months. View full analysis →
Frequently Asked Questions
Albania's interest rate spread was 4.48% in 2025. Ranked 58th globally. This represents a 2.1% decrease from the previous year.
Albania's interest rate spread peaked at 13.80% in 2000.
The lowest interest rate spread in Albania was 2.08% in 1992.
Albania ranks 58th globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
Albania's interest rate spread is projected to reach 4.48% by 2025 based on trend extrapolation.
The interest rate spread of Albania in 2025 was 4.48%. This ranks 58th in the world.
Cite this page
@misc{historysaid_albania_interest-rate-spread,
title = {Albania Interest Rate Spread},
url = {https://historysaid.com/albania/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}