Bahamas, The Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
Bahamas, The's interest rate spread was 3.68% in 2025, ranked 69th globally. This represents a 0.8% decrease from 2024. Data from World Bank, covering 1985–2025.
Overview
Bahamas, The's interest rate spread stood at 3.68% in 2025, a decline of +0.03pp from 2024. Based on recent trends, this figure is projected to reach 3.68% by 2025. Bahamas, The ranked 69th globally.
The Bahamas’ interest‑rate spread measured in 2025 stands at 3.68 percent, placing the nation 69th in the world ranking. This figure is only slightly below the country’s all‑time high of 3.93 percent recorded in 1985, yet markedly above the historical low of 1.39 percent reached in 1998, indicating a moderate widening of the gap between lending and deposit rates over the past four decades. Compared with peers of similar rank, the spread is marginally lower than Indonesia’s 3.76 percent and Costa Rica’s 3.77 percent, but higher than San Marino’s 3.54 percent, suggesting the Bahamas occupies a middle position within this cluster of economies. The gradual increase since the late‑1990s reflects a combination of monetary‑policy adjustments and evolving credit‑market conditions. If inflation pressures ease and the central bank maintains accommodative policy, the spread could stabilise or narrow, whereas renewed rate hikes would likely push it higher, shaping the trajectory of the Bahamas’ financial intermediation costs.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 3.64% | - | - |
| 2026* trend | 3.66% | - | - |
| 2025* trend | 3.68% | - | - |
| 2025 | 3.68% | −0.03pp | #69 |
| 2024 | 3.71% | −0.00pp | #23 |
| 2023 | 3.71% | −0.02pp | #20 |
| 2022 | 3.73% | +0.00pp | #25 |
| 2021 | 3.73% | −0.07pp | #31 |
| 2020 | 3.80% | +0.14pp | #33 |
| 2019 | 3.66% | +0.25pp | #34 |
| 2018 | 3.41% | +0.15pp | #30 |
| 2017 | 3.26% | −0.25pp | #35 |
| 2016 | 3.51% | +0.16pp | #37 |
| 2015 | 3.35% | +0.01pp | #38 |
| 2014 | 3.33% | +0.26pp | #33 |
| 2013 | 3.07% | +0.33pp | #33 |
| 2012 | 2.74% | +0.31pp | #24 |
| 2011 | 2.43% | +0.37pp | #18 |
Detected Pattern
Analysis
Bahamas, The matched the Fiscal Dominance Trap pattern in 1981. Historically, 72% of countries showing this pattern (278 out of 386) saw interest rate spread improve within 24 months. View full analysis →
Frequently Asked Questions
Bahamas, The's interest rate spread was 3.68% in 2025. Ranked 69th globally. This represents a 0.8% decrease from the previous year.
Bahamas, The's interest rate spread peaked at 3.93% in 1985.
The lowest interest rate spread in Bahamas, The was 1.39% in 1998.
Bahamas, The ranks 69th globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
Bahamas, The's interest rate spread is projected to reach 3.68% by 2025 based on trend extrapolation.
The interest rate spread of Bahamas, The in 2025 was 3.68%. This ranks 69th in the world.
Cite this page
@misc{historysaid_bahamas-the_interest-rate-spread,
title = {Bahamas, The Interest Rate Spread},
url = {https://historysaid.com/bahamas-the/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}