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Botswana Lending Rate

Lending interest rate  FR.INR.LEND

Botswana's lending rate was 6.78% in 2025, ranked 70th globally. This represents a 8.3% increase from 2024. Data from World Bank, covering 1980–2025.

6.78% +0.52pp (+8.3%)
Year 2025 Rank #70 Global Peak 24.21% (1982) Source World Bank

Botswana Lending Rate (1980–2025)

Overview

Botswana's lending rate stood at 6.78% in 2025, a rise of +0.52pp from 2024. Based on recent trends, this figure is projected to reach 6.78% by 2025. Botswana ranked 70th globally.

Botswana’s lending rate has fallen sharply from an all‑time peak of 24.21% in 1982 to a trough of 5.25% in 2021, reflecting a long‑term decline in monetary tightening after the early 1980s inflationary shock. The latest World Bank figure for 2025 stands at 6.78%, placing the country 70th globally and slightly above peers such as Grenada (6.87%) and St. Vincent and the Grenadines (6.77%). Over the 46‑year coverage period the rate has moved from an early‑period high of 8.47% in 1980 to its current level, indicating a gradual easing of credit conditions while still remaining above the 2021 low. This moderation aligns with Botswana’s broader macro‑economic stability and modest inflation expectations. Future movements will likely hinge on the Reserve Bank’s response to external price pressures and any shifts in fiscal policy that could alter the cost of borrowing and reshape the downward trajectory.

Data & projection

Year Lending Rate YoY change Rank
2027* trend 7.28% - -
2026* trend 7.03% - -
2025* trend 6.78% - -
2025 6.78% +0.52pp #70
2024 6.26% −0.48pp #21
2023 6.74% +0.61pp #27
2022 6.13% +0.88pp #23
2021 5.25% −0.50pp #22
2020 5.75% −0.65pp #25
2019 6.40% −0.10pp #30
2018 6.50% −0.38pp #31
2017 6.88% −0.43pp #44
2016 7.30% −0.65pp #47
2015 7.95% −1.05pp #50
2014 9.00% −1.19pp #63
2013 10.19% −0.81pp #74
2012 11.00% +0.00pp #75
2011 11.00% −0.46pp #76
Show all years (1980-2025)
* Linear trend extrapolation

Detected Pattern

Export Boom Cycle
Current account surplus with strong export growth (>15% YoY), reserve accumulation, and moderate GDP growth. Typical of commodity exporters during price surges.
Reserves YoY +11.1% GDP growth 3.2% C/A balance 1.5%
Occurred 768 times, 546 successful
Reserves YoY
+25.6%
GDP growth
4.0%
C/A balance
14.5%
Reserves YoY
+14.6%
GDP growth
3.7%
C/A balance
2.9%
Reserves YoY
+12.8%
GDP growth
43.8%
C/A balance
16.4%
Reserves YoY
+12.6%
GDP growth
6.0%
C/A balance
0.5%
Reserves YoY
+38.3%
GDP growth
5.0%
C/A balance
1.2%
Reserves YoY
+18.0%
GDP growth
2.9%
C/A balance
3.9%

Analysis

Botswana matched the Export Boom Cycle pattern in 2023. Historically, 71% of countries showing this pattern (546 out of 768) saw lending rate improve within 24 months. View full analysis →

Frequently Asked Questions

What is Botswana's lending rate?▾

Botswana's lending rate was 6.78% in 2025. Ranked 70th globally. This represents a 8.3% increase from the previous year.

What was the highest lending rate in Botswana?▾

Botswana's lending rate peaked at 24.21% in 1982.

What was the lowest lending rate in Botswana?▾

The lowest lending rate in Botswana was 5.25% in 2021.

How does Botswana rank in lending rate?▾

Botswana ranks 70th globally in lending rate as of 2025.

What is the World Bank indicator code for lending rate?▾

The World Bank indicator code is FR.INR.LEND. Data sourced from World Bank.

What is the projected lending rate of Botswana in 2025?▾

Botswana's lending rate is projected to reach 6.78% by 2025 based on trend extrapolation.

What is the lending rate of Botswana in 2025?▾

The lending rate of Botswana in 2025 was 6.78%. This ranks 70th in the world.

Cite this page

APA
Botswana Lending Rate. HistorySaid. Retrieved November 11, 2026, from https://historysaid.com/botswana/lending-rate/
BibTeX
@misc{historysaid_botswana_lending-rate, title = {Botswana Lending Rate}, url = {https://historysaid.com/botswana/lending-rate/}, publisher = {HistorySaid}, year = {2026} }
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