Czechia Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
Czechia's interest rate spread was 2.33% in 2025, ranked 84th globally. This represents a 13.0% decrease from 2024. Data from World Bank, covering 1993–2025.
Overview
Czechia's interest rate spread stood at 2.33% in 2025, a decline of +0.35pp from 2024. Based on recent trends, this figure is projected to reach 2.33% by 2025. Czechia ranked 84th globally.
Czechia's interest rate spread has exhibited a notable decline over the past three decades, with the indicator registering a significant all-time trough of 2.27% in 2023. This represents a substantial decrease from the country's all-time peak of 7.04% in 1993, marking a reduction of approximately 68%. The current interest rate spread of 2.33% places Czechia at the 84th position globally, closely ranking with peer countries such as Israel at 2.24% and Kuwait at 2.41%. The downward trend in Czechia's interest rate spread reflects the country's growing financial stability and increasing integration into the European economy. However, a potential rise in interest rates in response to economic growth or inflationary pressures could alter this trajectory, potentially pushing the interest rate spread upwards and impacting Czechia's economic competitiveness.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 2.05% | - | - |
| 2026* trend | 2.19% | - | - |
| 2025* trend | 2.33% | - | - |
| 2025 | 2.33% | −0.35pp | #84 |
| 2024 | 2.68% | +0.41pp | #11 |
| 2023 | 2.27% | −0.56pp | #8 |
| 2022 | 2.83% | −0.14pp | #16 |
| 2021 | 2.97% | −0.07pp | #21 |
| 2020 | 3.04% | −0.26pp | #23 |
| 2019 | 3.30% | +0.03pp | #28 |
| 2018 | 3.27% | −0.05pp | #27 |
| 2017 | 3.31% | −0.22pp | #36 |
| 2016 | 3.53% | −0.22pp | #38 |
| 2015 | 3.75% | −0.19pp | #44 |
| 2014 | 3.94% | −0.16pp | #40 |
| 2013 | 4.11% | −0.27pp | #45 |
| 2012 | 4.38% | −0.30pp | #41 |
| 2011 | 4.68% | −0.13pp | #44 |
Detected Pattern
Analysis
Czechia matched the Fiscal Dominance Trap pattern in 2023. 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
Czechia's interest rate spread was 2.33% in 2025. Ranked 84th globally. This represents a 13.0% decrease from the previous year.
Czechia's interest rate spread peaked at 7.04% in 1993.
The lowest interest rate spread in Czechia was 2.27% in 2023.
Czechia ranks 84th globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
Czechia's interest rate spread is projected to reach 2.33% by 2025 based on trend extrapolation.
The interest rate spread of Czechia in 2025 was 2.33%. This ranks 84th in the world.
Cite this page
@misc{historysaid_czechia_interest-rate-spread,
title = {Czechia Interest Rate Spread},
url = {https://historysaid.com/czechia/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}