Guyana Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
Guyana's interest rate spread was 7.15% in 2025, ranked 25th globally. This represents a 5.9% decrease from 2024. Data from World Bank, covering 1981–2025.
Overview
Guyana's interest rate spread stood at 7.15% in 2025, a decline of +0.45pp from 2024. Based on recent trends, this figure is projected to reach 7.15% by 2025. Guyana ranked 25th globally.
Guyana’s interest‑rate spread has widened markedly since the early 1980s, moving from an all‑time trough of 2.50% in 1981 to a peak of 12.51% in 2011, before easing to 7.15% in 2025, which places the country at 25th highest globally. The 45‑year series reflects a pattern of volatility that mirrors regional credit‑market dynamics, especially when compared with peers such as Colombia (7.02%) and Eswatini (7.22%) that posted similar spreads in the same year. The post‑peak contraction suggests that monetary‑policy tightening and improved fiscal discipline have moderated the gap between lending and deposit rates, yet the spread remains well above the long‑run trough, indicating persistent risk premiums and limited competition in the banking sector. Continued deepening of financial markets, higher foreign‑direct investment and structural reforms could further compress the spread, steering Guyana toward a more stable and lower‑cost credit environment.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 6.65% | - | - |
| 2026* trend | 6.90% | - | - |
| 2025* trend | 7.15% | - | - |
| 2025 | 7.15% | −0.45pp | #25 |
| 2024 | 7.60% | +0.00pp | #63 |
| 2023 | 7.60% | −0.04pp | #65 |
| 2022 | 7.64% | −0.44pp | #69 |
| 2021 | 8.08% | −0.54pp | #78 |
| 2020 | 8.62% | −0.98pp | #79 |
| 2019 | 9.60% | −2.40pp | #88 |
| 2018 | 12.01% | +0.06pp | #100 |
| 2017 | 11.95% | +0.12pp | #113 |
| 2016 | 11.83% | +0.11pp | #115 |
| 2015 | 11.72% | −0.04pp | #110 |
| 2014 | 11.76% | −0.61pp | #111 |
| 2013 | 12.37% | +0.03pp | #116 |
| 2012 | 12.34% | −0.17pp | #112 |
| 2011 | 12.51% | +0.24pp | #113 |
Detected Pattern
Analysis
Guyana matched the Export Boom Cycle pattern in 2024. 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
Guyana's interest rate spread was 7.15% in 2025. Ranked 25th globally. This represents a 5.9% decrease from the previous year.
Guyana's interest rate spread peaked at 12.51% in 2011.
The lowest interest rate spread in Guyana was 2.50% in 1981.
Guyana ranks 25th globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
Guyana's interest rate spread is projected to reach 7.15% by 2025 based on trend extrapolation.
The interest rate spread of Guyana in 2025 was 7.15%. This ranks 25th in the world.
Cite this page
@misc{historysaid_guyana_interest-rate-spread,
title = {Guyana Interest Rate Spread},
url = {https://historysaid.com/guyana/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}