Honduras Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
Honduras's interest rate spread was 7.40% in 2025, ranked 22nd globally. This represents a 4.4% increase from 2024. Data from World Bank, covering 1985–2025.
Overview
Honduras's interest rate spread stood at 7.40% in 2025, a rise of +0.31pp from 2024. Based on recent trends, this figure is projected to reach 7.40% by 2025. Honduras ranked 22nd globally.
Honduras’ interest‑rate spread has widened modestly over the 41‑year series, moving from an early‑record low of 5.93% in 1987 to a peak of 14.98% during the 1995 financial turbulence, before settling at 7.40% in 2025, which places it 22nd globally. The latest spread remains slightly above that of neighboring Guatemala (7.49%) and Mexico (7.50%), yet it exceeds the level observed in Seychelles (7.34%) and Eswatini (7.22%). The post‑peak decline reflects a gradual alignment of lending and policy rates as monetary authorities tightened inflation expectations after the mid‑1990s crisis. Nonetheless, the spread remains higher than the early‑era trough, indicating persistent credit‑risk premia in the banking sector. Should fiscal consolidation and deeper financial market development reduce borrower risk, the spread could continue to contract, nudging Honduras toward the lower end of the regional distribution.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2027* trend | 6.35% | - | - |
| 2026* trend | 6.87% | - | - |
| 2025* trend | 7.40% | - | - |
| 2025 | 7.40% | +0.31pp | #22 |
| 2024 | 7.09% | −1.37pp | #59 |
| 2023 | 8.46% | −1.87pp | #71 |
| 2022 | 10.33% | +0.17pp | #78 |
| 2021 | 10.16% | +1.28pp | #87 |
| 2020 | 8.88% | −0.04pp | #81 |
| 2019 | 8.92% | −0.58pp | #84 |
| 2018 | 9.51% | −1.50pp | #91 |
| 2017 | 11.00% | +0.32pp | #108 |
| 2016 | 10.69% | −0.27pp | #111 |
| 2015 | 10.96% | +1.17pp | #108 |
| 2014 | 9.79% | +1.36pp | #106 |
| 2013 | 8.43% | −1.08pp | #101 |
| 2012 | 9.52% | −0.86pp | #104 |
| 2011 | 10.38% | +1.32pp | #105 |
Detected Pattern
Analysis
Honduras matched the Orthodox Tightening Cycle pattern in 1997. Historically, 57% of countries showing this pattern (177 out of 311) saw interest rate spread improve within 24 months. View full analysis →
Frequently Asked Questions
Honduras's interest rate spread was 7.40% in 2025. Ranked 22nd globally. This represents a 4.4% increase from the previous year.
Honduras's interest rate spread peaked at 14.98% in 1995.
The lowest interest rate spread in Honduras was 5.93% in 1987.
Honduras ranks 22nd globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
Honduras's interest rate spread is projected to reach 7.40% by 2025 based on trend extrapolation.
The interest rate spread of Honduras in 2025 was 7.40%. This ranks 22nd in the world.
Cite this page
@misc{historysaid_honduras_interest-rate-spread,
title = {Honduras Interest Rate Spread},
url = {https://historysaid.com/honduras/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}