Bosnia and Herzegovina Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
Bosnia and Herzegovina's interest rate spread was 3.11% in 2025, ranked 76th globally. This represents a 9.5% increase from 2024. Data from World Bank, covering 2002–2025.
Overview
Bosnia and Herzegovina's interest rate spread stood at 3.11% in 2025, a rise of +0.27pp from 2024. Based on recent trends, this figure is projected to reach 3.11% by 2025. Bosnia and Herzegovina ranked 76th globally.
Bosnia and Herzegovina's interest rate spread has exhibited a notable decline over the past two decades. Starting from an all-time peak of 8.17% in 2002, the spread narrowed to a low of 2.28% in 2020, marking a significant decrease of 5.89 percentage points. The spread has since rebounded, reaching 3.11% in 2025, still below its peak. Compared to its regional peers, Bosnia and Herzegovina's interest rate spread is relatively close to Hungary's at 3.12%. The narrowing spread during the 2020 trough was likely influenced by the country's efforts to stabilize its economy amidst the COVID-19 pandemic. However, the recent increase in the spread may be attributed to the Central Bank's monetary policy adjustments in response to inflationary pressures. A sustained economic growth and stable inflation environment would be crucial to maintain the downward trend in the interest rate spread and further reduce the country's borrowing costs.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 3.40% | - | - |
| 2026* trend | 3.25% | - | - |
| 2025* trend | 3.11% | - | - |
| 2025 | 3.11% | +0.27pp | #76 |
| 2024 | 2.84% | −0.10pp | #12 |
| 2023 | 2.94% | +0.22pp | #15 |
| 2022 | 2.72% | +0.09pp | #14 |
| 2021 | 2.62% | +0.35pp | #15 |
| 2020 | 2.28% | −0.10pp | #13 |
| 2019 | 2.37% | −0.43pp | #13 |
| 2018 | 2.81% | −0.36pp | #16 |
| 2017 | 3.17% | −0.49pp | #33 |
| 2016 | 3.66% | −0.07pp | #40 |
| 2015 | 3.73% | −0.25pp | #42 |
| 2014 | 3.98% | −0.05pp | #41 |
| 2013 | 4.03% | −0.12pp | #41 |
| 2012 | 4.15% | −0.48pp | #38 |
| 2011 | 4.64% | −0.09pp | #43 |
Detected Pattern
Analysis
Bosnia and Herzegovina matched the Fiscal Dominance Trap pattern in 2022. 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
Bosnia and Herzegovina's interest rate spread was 3.11% in 2025. Ranked 76th globally. This represents a 9.5% increase from the previous year.
Bosnia and Herzegovina's interest rate spread peaked at 8.17% in 2002.
The lowest interest rate spread in Bosnia and Herzegovina was 2.28% in 2020.
Bosnia and Herzegovina ranks 76th globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
Bosnia and Herzegovina's interest rate spread is projected to reach 3.11% by 2025 based on trend extrapolation.
The interest rate spread of Bosnia and Herzegovina in 2025 was 3.11%. This ranks 76th in the world.
Cite this page
@misc{historysaid_bosnia-and-herzegovina_interest-rate-spread,
title = {Bosnia and Herzegovina Interest Rate Spread},
url = {https://historysaid.com/bosnia-and-herzegovina/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}