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.
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 |
Detected Pattern
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
Botswana's lending rate was 6.78% in 2025. Ranked 70th globally. This represents a 8.3% increase from the previous year.
Botswana's lending rate peaked at 24.21% in 1982.
The lowest lending rate in Botswana was 5.25% in 2021.
Botswana ranks 70th globally in lending rate as of 2025.
The World Bank indicator code is FR.INR.LEND. Data sourced from World Bank.
Botswana's lending rate is projected to reach 6.78% by 2025 based on trend extrapolation.
The lending rate of Botswana in 2025 was 6.78%. This ranks 70th in the world.
Cite this page
@misc{historysaid_botswana_lending-rate,
title = {Botswana Lending Rate},
url = {https://historysaid.com/botswana/lending-rate/},
publisher = {HistorySaid},
year = {2026}
}