Bangladesh Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
Bangladesh's interest rate spread was 0.79% in 2025, ranked 91st globally. This represents a 41.0% decrease from 2024. Data from World Bank, covering 1976–2025.
Overview
Bangladesh's interest rate spread stood at 0.79% in 2025, a decline of +0.55pp from 2024. Based on recent trends, this figure is projected to reach 0.79% by 2025. Bangladesh ranked 91st globally.
Bangladesh’s interest‑rate spread has narrowed sharply over the past five decades, falling from an all‑time peak of 6.19% in 1994 to a trough of –2.47% in 1985, and reaching 0.79% in 2025, which places the country 91st globally. The decline reflects a gradual convergence of policy and market rates as the financial sector deepened and monetary policy became more credible. Compared with peers of similar rank, Bangladesh’s spread remains tighter than Qatar’s 1.06% and Korea’s 1.08%, suggesting a relatively lower risk premium on lending. The sustained compression of the spread points to continued improvements in banking efficiency and reduced volatility in short‑term financing costs. If the central bank maintains a stable policy framework and further enhances credit‑information systems, the spread is likely to stay low or contract modestly, reinforcing Bangladesh’s trajectory toward a more integrated financial market.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 0.18% | - | - |
| 2026* trend | 0.49% | - | - |
| 2025* trend | 0.79% | - | - |
| 2025 | 0.79% | −0.55pp | #91 |
| 2024 | 1.33% | +0.28pp | #3 |
| 2023 | 1.05% | −0.51pp | #2 |
| 2022 | 1.57% | −0.71pp | #3 |
| 2021 | 2.28% | +0.05pp | #13 |
| 2020 | 2.23% | −0.55pp | #12 |
| 2019 | 2.78% | −0.21pp | #18 |
| 2018 | 2.99% | −0.94pp | #22 |
| 2017 | 3.93% | −0.28pp | #41 |
| 2016 | 4.21% | +0.74pp | #44 |
| 2015 | 3.47% | +0.32pp | #40 |
| 2014 | 3.15% | +1.27pp | #30 |
| 2013 | 1.87% | −1.86pp | #19 |
| 2012 | 3.73% | −0.76pp | #35 |
| 2011 | 4.48% | −0.52pp | #42 |
Detected Pattern
Analysis
Bangladesh matched the Export Boom Cycle pattern in 2020. Historically, 71% of countries showing this pattern (546 out of 768) saw interest rate spread improve within 24 months. View full analysis →
Frequently Asked Questions
Bangladesh's interest rate spread was 0.79% in 2025. Ranked 91st globally. This represents a 41.0% decrease from the previous year.
Bangladesh's interest rate spread peaked at 6.19% in 1994.
The lowest interest rate spread in Bangladesh was -2.47% in 1981.
Bangladesh ranks 91st globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
Bangladesh's interest rate spread is projected to reach 0.79% by 2025 based on trend extrapolation.
The interest rate spread of Bangladesh in 2025 was 0.79%. This ranks 91st in the world.
Cite this page
@misc{historysaid_bangladesh_interest-rate-spread,
title = {Bangladesh Interest Rate Spread},
url = {https://historysaid.com/bangladesh/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}